davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am not liable and should not be held liable in any form for this debt with Santander Consumer USA. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

The new response from Citizens bank is another intentional harassment. Request to e-mail a copy of my driving license is impossible because we do not have scanning service in our residence. Telephone conversation on important subjects I avoid because of hearing problems at my XXXX XXXX  of age, problem well known to the previous communicator from the bank!
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I was informed of credit applications made in several stores online and in person. I contacted banks and issuers and informed them of breach. All said it would be handled. A fraud alert was put with the credit bureaus. On XX/XX/XXXX XXXX received a credit card from Home Depot and when I inquired I was told that a person applied for credit in store was approved and was able to charge over XXXX on card. As of now only Home Depot has issued a card that I know of, the other was XXXX and supposedly the application was held
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (WI)

Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan .... XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  account XXXX with these accounts I've been trying to get them off my credit report for the last couple of 3 years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against First Progress for misrepresentation, non-disclosure, mail fraud, securities theft, interference of beneficiary right to benefit of proceeds, and breach of contract. 

CFPB Consumer Codes Misrepresentation : 1026.24 ( a ) ( 2 ) Non-disclosure : 1026.18 ( a ) ( 1 ) Mail fraud : 18 U.S.C. 1341 Securities theft : 17 C.F.R. 240.10b-5 Interference of beneficiary right to benefit of proceeds : 50 U.S.C. App. 501 Breach of contract : Uniform Commercial Code ( UCC ) 2-207 Supporting United States Codes , CFR Codes, and UCC Provisions United States Code : 18 U.S.C. 1341 ( Mail fraud ), 17 C.F.R. 240.10b-5 ( Securities fraud ), 50 U.S.C. App. 501 ( Interference with beneficiary 's right to benefit from proceeds ) Code of Federal Regulations : 1026.24 ( a ) ( 2 ) ( Misrepresentation ), 1026.18 ( a ) ( 1 ) ( Non-disclosure ) Uniform Commercial Code : UCC 2-207 ( Breach of contract ) Allegations I allege that First Progress has violated the law in the following ways : Misrepresentation : First Progress misrepresented to me that they would not bundle and sell my securities on the primary and secondary market. 
Non-disclosure : First Progress failed to disclose to me that they would be charging the obligation to me instead of the principle.

Mail fraud : First Progress mailed statements to me using deceptive language and implying that I owed a debt.

Securities theft : First Progress stole my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent.

Interference of beneficiary right to benefit of proceeds : First Progress interfered with my right to benefit from the proceeds of my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent.

Breach of contract : First Progress breached our contract by charging the obligation to me instead of the principle and by bundling and selling my securities without my consent.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As you may know as a consumer reporting agency there is a need to insure that Transunion excise their grave responsibility with fairness, impartiality and respect for my right to privacy. All of which Transunion has failed to do, they have disregarded my confidentiality, the accuracy, relevancy, and proper utilization of information being reported on my consumer report. Between XXXX I disputed the bankruptcy reporting and everything related to the bankruptcy as it was and still is unverified, inaccurate, irrelevant, unfair and inequitable. I have reached out to the Bankruptcy court myself and received a letter that verifies that no information was provided to the consumer reporting agencies but instead they continue to report and state that the information " is verified '' by the court that is allegedly reporting when no one can verify it as it was not given to them. I further sent a dispute to XXXX XXXX who is the holder of this information ( not the court ) has sent me a letter stating that all the information for the bankruptcy records determinate that the data being reported is " UNVERIFIABLE '' ( See letter from XXXX XXXX ATTACHED ) My reputation and character has been intentionally ruined since XXXX because of the false, misleading, inaccurate, and irrelevant reporting. I have suffered alot from this as I am not able to get into my own place, I am also not able to get anything for my personal, family and household purposes due to their negligence to apply reasonable procedures to properly investigate this matter.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX  OF XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$780.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX  XXXX XXXX Owed : {$2200.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-01-04
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPMORGAN CHASE & CO. (CA)

I have previously requested Chase not call me on numerous occasions, all of which have been ignored.

I received a call from Chase on Monday, XX/XX/2018 at XXXX XXXX  PST, clearly a violation of the FDCPA. 

See the attached screenshots from my phone, documenting the time they called.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I contacted Synchrony regarding changes in interest rates on my card. I had believed that I was paying off the balance in equal installments to avoid any interest fees. It turns out that this payment plan only applied to one of the promotions on the card, and Synchrony was allocating my payments in a way that was not beneficial to me, resulting in a significant interest fee. If I had known that my payments were being split between two separate promotions, I would have made adjustments. Unfortunately, I was not given the opportunity to make payments against each promotion individually, as all payments were processed under a single payment.
Consumer complaint received 2023-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lennar Financial Services, LLC (FL)

I am writing to report an issue with my mortgage loan, initially taken out with Lennar Mortgage LLC. The agreed-upon payment was {$1700.00}. However, after the loan was transferred to two other companies, now serviced by XXXX, my monthly payment has escalated to {$2300.00}. This increase was first attributed to insurance, which I was not informed about, and now to taxes, despite my payments into an escrow account. 

I have attempted to resolve this with XXXX, including notifying them of a year-long absence due to XXXX XXXX XXXX XXXX, but have received no response. Additionally, I was never notified of any impending changes to my payment. The lack of response and transparency is concerning, and I seek your guidance on how to address this issue.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Today, XX/XX/2023, a handyman who did some work for me improperly sent me money as a " trade or service '' transaction. We contacted PayPal to get this reversed. We were told he could not cancel the transaction, and my only option was to enter tax ID information into PayPal, to issue him a refund, I would be charged a fee for the $ as a business transfer for XXXX and I would receive an IRS Tax form 1099 regarding the " business '' income for this transaction. 

I did not ask for this XXXX I did not accept this money. I am not a business. this money was sent by mistake by the other individual and now he can not access as well. I want this resolved without entering my tax information, without receiving a 1099 and the charge reversed for the handyman who made a mistake.

How can someone just send $ to another as a trade or service and impose tax liability on another individual? PayPal needs to correct this and allow someone to opt out of receiving funds like this if not desired - and should require approval or other means to decline. Please help me correct this. I imagine I am not the only person who has dealt with this issue and this is unfair to me as a consumer and individual using a service to pay for purchases etc., not to receive funds.
Consumer complaint received 2023-02-13
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 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
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

Chase freedom advertises that all prescription drugs get 3 % cash back. I noticed on my bill that they only have given me 1.5 % cash back on these purchases. When I brought this to their attention, they stated that the prescription drugs were bought at a grocery store, therefore they are not giving me my 3 % cash back on my prescription purchases. This is false advertisement since my receipts says jewel osco drug and should be categorized as a drug store.
Consumer complaint received 2023-11-01
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$780.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Balance Owed : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX  XXXX XXXX Owed : {$2200.00} ; According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

On XX/XX/XXXX I received correspondence from Collections company XXXX regarding a debt in the the amount of {$10000.00} for a rental property. I ask them to validate the debt, in which they failed to do so. they could not provide a breakdown of the balance. Advise them verbally to cease and desist all communication until debt is validated. 
On XX/XX/XXXX they called from XXXX, On XX/XX/XXXX called from XXXX, on XX/XX/XXXX called from XXXX this time XXXX left a message. I asked her during that call to please once again validate the debt. She stated a ledger was sent and i advise her it showed a bunch of fees but nothing that would make $ XXXX sense and that it stated XX/XX/XXXX as the start of charges and i advise her XX/XX/XXXX we were out the home so make it make sense. She stated she would research and notate I was still disputing the debt. Final call from them was on XX/XX/XXXX. they failed to cease and desist communication. They failed to accurately validate the debt and placed this my credit, my husband credit and my mothers credit with our consent.
Consumer complaint received 2024-04-23
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. (NY)

I recently reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was alerted by Capital One that my Venture Credit Card was compromise on XX/XX/XXXX and I was instructed to report the fraudulent charges made to Amway one for {$770.00} and other for {$76.00}. In doing so my card was deactivated and a new one was to be mailed to me. 

On Monday XX/XX/XXXX, In noticing that the charge for {$76.00} was holding a pending status, I was told not to worry about it, that this charge will also be delete from the account in 3 days and, to call again then if the issue was not resolved by that time. 

On Wednesday XXXX, The pending charge went from pending to a definite in my account. I was told by the fraud department supervisor that they are still investigating this fraudulent charge and that could take up to 90 days for a resolution on that matter. 

Capital One one knew that these were fraudulent charges and they alert me about it. I reported the charges and they deactivated my credit card and issue me a new one. In addition, they remove the {$770.00} charge but kept the {$76.00} as pending charge on the account. 

In my conversations with Capital One I'm getting different answers to this issue. 

Taking into consideration that both charges are made to the same company and to the same time, only one was removed. Capital One says that they are still investigating the charge but they already posted the {$76.00} as valid to my account.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

I called on numerous occasions to AR resources to find out what medical debt they are trying to collect. I am XXXX XXXX XXXXXXXX veteran and I can not go anywhere except the VA hospital systems without their permission. I do not go outside of this network, and it is impossible for me to have any outstanding medical debt. If I go to the emergency room for anything they bill the VA. All bills are covered and paid 100 % by the VA .
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.