davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

I received a bill from XXXX on XX/XX/XXXX for {$62.00}. I called XXXX to ask about the bill, and check their records. I did not have a phone number assigned with them, or any services or purchases, but was being charged a monthly bill. I made an account with XXXX to close the account in my name after I received the bill, but was unable to do so online. I requested and returned a fraud packet to XXXX in XXXX of XXXX. The debt was then sold to a company called XXXX, and then one called XXXX, and now a company called Jefferson which continues to send me bills for this account I never signed up for.
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (MD)

OnXX/XX/XXXX an order was placed on XXXX XXXX XXXX website with Klarna selected as the payment option. The total amount was {$2500.00}. The first payment was scheduled for XX/XX/XXXX. The item was returned to XXXX XXXX XXXX within the 30 day return period. The return was even reported to Klarna on XX/XX/XXXX and Klarna paused payments because I noted a return was in progress. Klarnas website state this allows the payment to be paused while the store is processing a return. On XX/XX/XXXX, XXXX completed the return and refunded Klarna {$2500.00} ( the full amount minus a XXXX delivery feel ). Klarna has adjusted my account however, did not cancel the payment plan and is charging me {$100.00} in interest. I have spoken with two representatives at Klarna on XX/XX/XXXX and XX/XX/XXXX who assured me that the interest just needs to be adjusted. On XX/XX/XXXX, I am being told the interest will not be adjusted. Why am I charged interest on an item that was returned before the payment due date and within the 30 day period. Klarna was notified of the return and even paused the payments. It is unduly just to charge {$100.00} in interest for an order that was returned to the store during the return period. I am also attaching the loan agreement that has total interest for 24 months of {$990.00}, even if the interest was prorated for one month, that would be {$42.00}, not {$100.00}. It is an unfair business practice to charge this amount. Please assist. Thank you.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

Been a customer with Wells Fargo since 2011 its basically a second chance Account and also XXXX the beneficiary over my daughter XXXX so its an XXXX account. They keep charging overdraft fees that they have to send it back also told him numerous of times on numerous occasions that I dont want that account being overdraft to take it off and they continue to let the account be overdraft had an issue with them before hand charging late fees on the account when is an XXXX account and its not supposed to be charged Also been reaching out to them to find out if Im a part of the Class lawsuit thats involved with them. They havent been giving me any information towards that either so I would like to know if my name is in the lawsuit or if Im owed anything
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

Throughout the past couple of weeks, I've been fighting XXXX in a lengthy dispute process. This started when I bought a flight ticket on XX/XX/year> from XXXX XXXX in the amount of {$200.00}. When I bought this ticket, the XXXX website can consistently stated that if I want to cancel for a full refund I can do so within a XXXX Window. When I called in later that day on XX/XX/year> to cancel the ticket with the goal of getting that full refund promised by the airline. When I went on their website, they stated that an error occurred and to come back later. Well how am I supposed to do that if I want a refund within a XXXX XXXX. When their website had an error, I called their customer service over XXXX times and each time they states that they had a system outage and weren't able to process refunds. With that being said, they stated, " Call back later and we will be able to cancel your ticket for a full refund. '' With this being said I called back later and to my surprise they stated that I needed to show proof that they had an outage and request a refund with time, not instantly like they took my money. When I sent the proof, the customer service representative was on the line with me for over an hour, and she stated that indeed they had a system outage and she promised I'd get a full refund and apologized for the mess this has created. When I get a confirmation of my refund, behold they state that I had a non-refundable ticket and could only get {$75.00}, this is unacceptable especially when the company representative has admitted fault. I've got proof of trying to cancel my ticket on XX/XX/year> for a full refund of {$200.00}, this can be proved with time-stamped screenshots and phone calls! I've requested numerous disputes through American Express and they have stated that it is my problem, they will not work with XXXX to resolve this dispute, I want an entire refund. XXXXXXXX XXXX mistake is not my price to pay, please understand how frustrating and stressful this can be!
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (WI)

Recieved text from XXXX claiming to be with PNC Banking. A XXXX XXXX  payment {$2500.00} to XXXX XXXX withdrew. Replied NO. Notified fraudulant PNC Case # XXXX.Also Fraudulant verification code XXXX. They also called to verify it was my phone number. No other information was given out. I notified the caller That I did not have a PNC account. They immediately hung up.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (PA)

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (PA)

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX.15 U.S. Code 1692e 10 False or Misleading Representations XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

Hi, I opened a card with CareCredit and was approved for XXXX. 

My credit limit was XXXX until XXXX 

On XXXX statement, the credit limit was changed to {$810.00} without notice. 

Without any missed payments or any notices, they lowered my credit limit. 

This is a deceptive practice they are continuing to do for many consumers and needs to be investigated
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (GA)

I thought I was agreeing to a credit balance transfer at a lower interest rate and higher credit limit. However, they issued me a predatory a higher interest rate. Due to the pandemic, paying this predatory credit line was unsustainable. 
Due to this action, I suffered a lower credit score and have been unable to access credit for buying a home, car, and other credit cards.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I was a victim of identity theft. I lost my wallet in XXXX which led someone to have access to alot of my documents including my social security card. I am in the start-up process of wanting to buy a home but upon doing a credit check, I see accounts on my credit report that have no affiliation to me. I made a police report. The police report DC # is XXXX. Please note that I am currently waiting on a physical copy. 
These accounts were all disputed. These accounts consist of : COLLECTIONS : LVNV Funding ( original creditor XXXX XXXX XXXX ) {$470.00} ; started reporting on credit XX/XX/XXXX. 
XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) {$8600.00} started reporting on credit XX/XX/XXXX. 

ACCOUNTS : XXXX XXXXXXXX XXXX " paid/closed '' ; reporting on credit XX/XX/XXXX. 
XXXX {$2400.00} & {$3300.00} XX/XX/XXXX. 
XXXX {$4500.00} XX/XX/XXXX. 
XXXX  XXXX {$1300.00} XX/XX/XXXX. 
XXXX XXXX {$1700.00} XX/XX/XXXX. 
I have disputed these accounts with the bureaus and no action has been taken. Again, I am a victim of identity theft. Very important documents were in the hands of people other than myself and have been used to open accounts in my name. Which is why I filed the police report. photo of police report number is attached
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (OH)

I sent a letter to Transworld system inc ( TSI ) via certified mail on XX/XX/year> to verify this account belongs to me and proof with a contract along with my signature. I have yet to receive a response. They are reporting this negatively on my credit report and haven't started an investigation.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NV)

So I sent a letter off on XXXX XXXX XXXXTo remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NJ)

2021, there were accounts opened in my name without my consent. I started receiving emails saying, " Thank you for opening an account. '' I immediately called and the rep told me it was nothing to worry about but I was already frantic because I was getting alerts that my ssn was being used on the dark web. So when I received another email saying your card is on its way, I was livid! I called again to see what the address was where the card was going to, the rep didn't give me the address, once again I was told not to worry. Then she said it is something that happens, and I was highly upset. So, people are just allowed to open accounts in your name WITHOUT your consent? I've been fighting to get my credit repaired for XXXX years now.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (TX)

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 
There is no contract between Cavalry Portfolio Services LLC also known as CAVALRY SPV I , LLC and myself ( name as listed within the attached OPT OUT letter ), nor is there any contract novation in place between the original creditor XXXX, XXXX, third party Cavalry Portfolio Services LLC and myself ( name as listed within the attached OPT OUT letter ) ; therefore I have no obligation with this non-affiliated third party Cavalry Portfolio Services LLC.

Per 15 U.S. Code 6802 section b ( 2 ) states, This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. Cavalry Portfolio Services LLC has not provided a contract with the original creditor stating they are contractually obligated to collect on the original debt on behalf of the original creditor.

15 U.S. Code 1681:604 section a ( 2 ) states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I invoke my right to opt out at any time of my non -public personally identifiable financial information as defined in 15 U.S. Code 6809 4 ( a ) from being reported on and to credit reporting agencies from the third party Cavalry Portfolio Services LLC . 
Cavalry Portfolio Services LLC and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Cavalry Portfolio Services LLC whether it is verbal, non-verbal, written, implied or otherwise is revoked. As the consumer per 12 CFR 1016.7 ( g-i1 ) which states that, A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This opt out shall be in effect for any past present and future endeavors of, between and through Cavalry Portfolio Services LLC, XXXX, XXXX and XXXX pertaining to me ( name as listed within the attached OPT OUT letter ) and any variations of the name.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I charged {$80.00} on XX/XX/23 at XXXX for groceries on my Capital One Quicksilver credit card. I used my Capital One checking account XXXX XXXX XXXX to pay the {$80.00}, and {$80.00} was deducted from my checking account. The payment had not registered on my credit card by XX/XX/23, so I called Capital One to find out why. They started an investigation, meanwhile crediting my credit card with the {$80.00} payment subject to their investigation. On XX/XX/23, the bank informed me that the payment had been processed correctly and my claim was denied. They then took back the {$80.00} credit that has been temporarily issued to my credit card. The {$80.00} payment made through the XXXX XXXX XXXX never showed up on my credit card, but WAS subtracted from my checking account. The bank refuses to accept any responsibility for where my {$80.00} went, instead bouncing it back and forth between the credit card division and the checking account division with no resolution for me. I want an admission from the bank that they made a mistake and the {$80.00} refunded to my checking account. They stole this money and they refuse to do anything to fix the problem. One more thing : I got one of their XXXX  to get the bank to credit another {$80.00} to my credit card. This action still leaves me vulnerable to their whim regarding taking back that credit. They can have that {$80.00} back as soon as I am refunded the {$80.00} to my checking account where they can no longer access it. And banks wonder why we do not trust them.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MS)

Navient student loans have been in IDR for the past year... I have had no late payments on this loan until XX/XX/2024 when the company reported the account was 90 days past due. How is this possible? How do you go from one month paid on time to automatic 90 days late. Do this mark on my credit report it has made me unable to purchase a home. I have already suffered major loss. I reached out to Navient to ensure that my loans where in fact in forbearance and request that in writing as well. IDR plan has been reapplied for and awaiting approval.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX