davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report, I never gave them written consent to report them.
Consumer complaint received 2024-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I want capital one to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from capital one or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I applied for a PayPal Credit Card. I was denied because Synchrony Bank claimed that I had a previous PayPal Credit card that was not paid as agreed. This is a false statement because my previous experience with Pay Pal Credit was covered by the CFPB lawsuit : PayPal to Refund {$15.00} Million to Consumers and Pay {$10.00} Million Fine XXXX  , D.C. Today the Consumer Financial Protection Bureau ( CFPB ) filed a complaint and proposed consent order in federal court against PayPal , Inc. for illegally signing up consumers for its online credit product, PayPal Credit, formerly known as Bill Me Later. The CFPB alleges that PayPal deceptively advertised promotional benefits that it failed to honor, signed consumers up for credit without their permission, made them use PayPal Credit instead of their preferred payment method, and then mishandled billing disputes. Under the proposed order, PayPal would pay {$15.00} million in consumer redress and a {$10.00} million penalty, and it would be required to improve its disclosures and procedures.
Consumer complaint received 2018-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

OnXX/XX/ I opened an online IRA certificate of deposit ( 12 month with an APY 2.50 % ) for {$1.00} with Capital One bank and completed an IRA deposit form. I mailed my XXXX disbursement check from XXXX XXXX for {$240000.00} instructing Capital One bank to deposit this check into the new CD as indicated on the IRA form that was attached. 

On XX/XX/XXXX, Capital One received the check and to my dismay they deposited the funds in to a regular savings account at 1 % interest without my knowledge. Even though Capital One had all of my contact information they neglected to advise me of any problems. Also, I never even received any acknowledgment that they even processed my funds - I had to call them. 
On XX/XX/XXXX I contacted their call center and found out that a regular IRA savings was opened. Apparently, they could not add the check to the account that I had opened. I indicated that an adjustment of accrued interest was due and had to escalate the problem to a Manager - XXXX XXXX explaining that I should be compensated for the loss of interest ( 1 % vs 2.50 % ). Several days later, XXXX explained that they can only credit 8 days from XX/XX/XXXX when the funds became available ( {$79.00} )? I believe that I should have been compensated for the loss of interest from the day of deposit which was XX/XX/XXXX.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

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.

I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX company is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT IDENTIFIER ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been 2 occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than 45 days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require. 

According to federal law I have the right to access all these documents. They have from 30 to 45 by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (MS)

XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted from my credit report immediately.
Consumer complaint received 2024-05-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MD)

In 2021 by XXXX or XXXX i went to my nearest XXXX 's XXXX and there was an XXXX XXXX XXXX stand and they had a promotion that came with XXXX new cellphones and i signed up for it. Within a week i received the XXXX new devices and they were able to activate only XXXX line. They couldn't activate my XXXX  line and since they couldn't fix the problem i told them that i wanted to cancel my plan with them and also i was going to return the XXXX new devices which i did. They told me not to worry about it that they were going to take care of that and at the same time they sent me tha labels and boxes to ship back the devices. All that happened within a month and in the second month they sent an invoice of XXXX dollars. I call them multiple times about that and they kept saying it was an error that they were going to take care of that and they never did. Now i just realized they sent me to collection and i also contacted the collection agency I.C. System Inc and they told me to reach out XXXX XXXX XXXX  again and when i called XXXX XXXX XXXX and sent me back to the agency I.C. System. They are just playing with me back and forth. This is just a scam, if they do this to everybody this is thousands of dollars scam
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/XXXX, I noticed significant fraudulent activity on my Chase debit card, I found that there were over 200 transactions totaling {$26000.00} from XXXX and their subsidiaries ( XXXX, XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX ). I reached out to Chase immediately to stop payment and close my card. As we could not get a hold of anyone at XXXX, we filed a complaint with the XXXX  on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, from XXXX contacted me. In our discussions with him, we learned that 61 accounts were opened with XXXX ( and their subsidiaries ). The transactions started on XX/XX/XXXX and ended when we closed the card on XX/XX/XXXX. XXXX also told us that only a valid US credit card is needed to open an account and they dont authenticate the card owner. At no point during this time period did Chase report suspicious activity with these transactions and vendors we had not done business with before. We also filed a police report with our local Police Department on XX/XX/XXXX. 

We also noted fraudulent accounts were opened with XXXX and XXXX. This activity, XXXX transactions, occurred between XX/XX/XXXX and XX/XX/XXXX for a total {$220.00}. Neither of these companies will share information with me. However, on an electronic communication with XXXX they said the email associated with the fraudulent account set up with my debit card was, XXXX. XXXX told me the email looks fraudulent as it only contains random numbers and letters. 

Even though the nature, scope, activity and dollar amount are significantly different, Chase has linked these claims together. Their final decision is that as we did not notify them of the XXXX activity within 60 days of the first transaction on our statement none of the fraudulent charges will be reversed. Including all of the {$26000.00} XXXX transactions. 

We do not know the identity of the person who stole my debit card number. We have been talking to XXXX, but they will not share account information with me and will only provide it to Chase or Law enforcement. To date, no one from Chase has reached out to XXXX. Chase will not refund me the stolen funds. Total amount is XXXX $ {$26000.00}, XXXX {$220.00}, so a total loss for us of {$27000.00}.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NJ)

It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for years by being denied open-ended credit, and car loans for the enjoyment of my family. 
Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic Federal Court Case.

12 CFR 1016.4 Initial privacy notice to consumers required.

( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or
Consumer complaint received 2024-05-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AL)

home depot credit services- new store credit card I can NOT create a login for my new credit card account on their site because of " technical difficulties '' on Their end. they state they have had issue for over a month and have no idea when it will be fixed. I can not login to pay my card, view my statements, freeze my card, file a complaint for fraud or dispute a charge. their website is unavailable to me. a modern credit card carrier working with a modern day corporation should NEVER HAVE a 16 % website down time. ITS A WEBSITE IT IS 2 0 2 4! -- - get your XXXX together and hire some competent web developers.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX auto leasing company is still consistently reporting a NON COLLECTABLE debt on my credit report. They have called me leaving me messages to call them to settle this debt. I have voluntarily surrendered the vehicle in good condition. Please remove this from my credit report immediately
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

My XXXX XXXX XXXX credit card limit was decreased from {$15000.00} to {$1000.00}. There were fraudulent accounts opened on my credit report that caused my score to go down. This is not truthful to what my true creditworthiness is. I have been with the company for over 3 years now and I demand an increase back to my original {$15000.00} limit.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (WI)

A debt collector continuously calls me at least XXXX times throughout the week. They have begun contacting my grandparents and parents. The debt collector asks them for my information and informs them that I owe a large amount of debt. The debt collector informs them who I owe the debt to but not the amount. The debt collector leaves voicemails at least twice a week if my grandparents or parents do not answer. My mother had asked them to stop calling her, but they continue doing so. My grandparents feel the debt collector is intimidating them by saying that they are trying to locate me and found their information so they know they are my grandparents. The debt collector told my mother, we found your information so you are her mother, and when my mother told them she was not providing my personal information to them and asked for their name, the debt collector disconnected the call ; however, they continue to call. 

I do not let any companies know about my family relations, so I am unsure where they received the contact information for my family members. Any financial matters are personal ; therefore, the debt collector is releasing my personal matters to others without my consent. This complaint has not been communicated to the debt collector that continuously harasses my family because we do not know who the debt collector is since they fail to identify themselves other than saying XXXX.
Consumer complaint received 2018-10-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

A company has reported false information to all 3 credit bureaus. This company claims that I owe a balance of {$130.00} of which I do not know anything about. The open date is XX/XX/2018. I have disputed the account with all 3 major credit bureaus, and they have all come back verified. On my XXXX  credit report the account status updated to charge-off ; after my dispute exclaiming the account not belonging to me.
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (MI)

I started a loan assumption with Wells Fargo in XX/XX/year>, in XXXX I started sending information to XXXX XXXX to be sent to underwriting. I was given a closing date of XX/XX/year> at the beginning of XXXX. I am still being requested to send documents to be sent to underwriting. Recently I was asked for pay stubs from XXXX!!! Why wasn't that asked for months ago? In general, they just keep asking for more bank statements, then more checks, I keep providing the information and they just keep asking. This is getting very frustrating for me and the seller who is stuck in the hospital and can't afford hospital bill and to keep paying the current mortgage.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/year> for WestLake Financial Auto Loan was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could grant me a second chance and make goodwill in removing the late payment in XX/XX/year>. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MA)

I went to XXXX XXXX which was a fraudulent school. My federal loans were recently XXXX but I still have private loans that cant be XXXX. The school was found to be fraudulent and I believe all loans should be forgiven. I joined the military late in life to get money for school so I didnt have to fall into the same trap. navient is my loan provider and I owe over {$7000.00}
Consumer complaint received 2024-01-20
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: CITIBANK, N.A. (MN)

Fraudulent charges on card occurring XX/XX/XXXX for {$200.00}, XX/XX/XXXX for {$130.00}, {$110.00}, {$25.00}, {$10.00} and {$18.00}, XX/XX/XXXX for {$41.00} and {$2.00}, and one for {$130.00} on XX/XX/XXXX. Disputes were filed on XX/XX/XXXX and XXXX but claim was denied and was never told why.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.