davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

For one Experian have multiple accounts on my report that are incorrect and I disputed them which are negatively affecting my credit. Then they put a fraud alert on my account years ago and I requested for it to be removed. I recently applied for a business credit card and I was denied and had a hard inquiry pull on my report because Experian still has the alert on my account and then never notified me after me requesting for it to be removed. Now I have to reapply for the card again with another hard inquiry. Now after having to reapply for a credit card I called Experian and was advised that my security questions were answered incorrectly My old address is correct but the apartment is incorrect Then the fraud prevention they placed on my account states they are supposed to notify me if someone applies for credit in my name no matter day or night and they havent
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION XXXX ( XXXX ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NC)

This morning I logged into my account to make a payment and was shocked to see my balance was negative {$110.00}. 
I had a positive balance on XX/XX/XXXX and have not made any purchases. 
I just called the bank, and they adamantly refuse to explain why my balance is suddenly negative. They also refused to let me talk to a supervisor. 
My problems with this bank are many. 
XXXX. I have not received any letter, email or phone call about my negative balance. 
XXXX. The branch where I opened this account has told me repeatedly that " we do not give business loans '', even though they advertise them everywhere. They do this so I am forced to use my overdraft and pay the bank 's usuary fees. 
XXXX. " Customer service '' agents refuse to let me talk to a supervisor. 
XXXX. The bank refuses to explain how my positive balance became negative suddenly without me spending a XXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Collection agency XXXX XXXX XXXX whom I never had an account with have failed on 2 attempts to provide written proof with my signature that I had a account with them. Experian states on 2 disputes that the information is correct and has been verified but have not provided me with written proof. I would like for Experian to provide me with written proof with my signature showing that I had a contract with XXXX XXXX XXXX.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have hard inquiries on my credit report The names of these hard inquiries are Capital one & XXXX the dates of the these fraudulent inquiries as of today. 

capital one auto finance XXXX Sales financing company XXXX On my XXXX i currently getting it disputed Im trying to get a police report, I was told to file a police report. Also on my XXXX I have only three hard inquiries they are capital one ( bank ),, capital one auto finance and XXXX.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-02-14
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXXXXXX XXXX {$910.00} XXXX XXXX XXXX {$240.00} These accounts are being reported inaccurately and have violated my rights according to the laws listed below. 
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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( CAPITAL ONE ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 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. '' CAPITAL ONE the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( CAPITAL ONE ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( CAPITAL ONE ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to CAPITAL ONE.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX 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 2023-03-03
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: Experian Information Solutions Inc. (CA)

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I used to have a XXXX checking account from XXXX onwards. I left us in XXXX and in a few years time, my account with XXXX $ in it was gone. My social security no is XXXX. I contacted them and they said they have no record of the account. I have a cheque book from them to prove it. 

Thanks XXXX
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I'm trying to login to my account but can't get past the XXXX step verification because somebody changed my phone number. So, Chime is sending the verification code to the wrong phone number. I've called them numerous times, chatted with them and still have no resolution. I get put on hold for an hour here and an hour there and told that the boss is too busy, then I was asked to show my ID with a selfie of me and a piece of paper with the date and time on it and my social security card. Something very fishy going on.
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (MS)

LVNV Funding I get XXXX calls daily - I answer every time I say hello several times and they hang up I called back - I told them if this is the {$97.00} XXXX balance it was paid years ago and has been disputed since 2019 - I have spent years trying to resolve this and no one ever does the research to mark this paid and remove it from my file and STOP calling me 3 times a day They call on Sunday- they never speak to me I always have to call back - they are harassing and bothering me by calling but refusing to speak to me These collection tactics violate the 7:7 rule and it needs to stop - I have hired and attorney to file a counter claim against them for damages
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (AZ)

There are 2 things that happened : the biggest thing was, i was lied to on the phone when I was called to settle on my business credit card with chase bank. I asked three times if the XXXX $ and some change they requested would close the card and be done, and person said yes. I asked there times. I went to check a few days later and the card was charged a XXXX $ something but there was still a balance. I called and talk to a manager XXXX. He ; pulled call and said wow you are right you asked three times. So he said he would send in to get balance taken off. It got denied by however was above them. I felt lied to and it should have taken care of balance as i was led to believe. I was so mad I asked to close my personal account, leaving my business account open. I called earlier this week to tell bank i had a XXXX $ return coming back into account but i wanted it rejected or sent to business account. I was told since the account was close it would auto reject and i need to do nothing. Well it went through, when i called to day to explain they said there was nothing i could do because the account was not fully closed yet. Its been over a week since I requested it closed.
Consumer complaint received 2023-02-15
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: Duvera Billing Services, LLC (TX)

I had my account on auto pay and didn't have to worry about manually making the payments. Once I see the payment was missed in XXXX for XXXX, I asked them why it was turned off of auto pay and if they can remove it off of my credit and they said no due to it being expired? Its hurting my credit and the account is up to balance.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I have submitted a modification packet since  XXXX / XXXX / 2017 . I was told my packet was going to be review for a modification. However ; SLS schedule a sale date 15 days after they had acknowledge my application. SLS does not want to put my sale date on hold or push it back until I get a decision. I am very upset of the way SLS is reviewing my loan at this point I dont even believe SLS intentions are to help me. Since SLS has done this to me in the pass, I am very scare to lose my home. I dont have any where else to go, and my intentions are to keep my house with an affordable mortgage payment. I am still willing to work with SLS however they are just prolonging my case so my home can finally foreclosed.
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (DC)

On XX/XX/XXXX XXXX XXXX XXXX collected payment for a procedure that was supposed to take place on XX/XX/XXXX so the date of the service was XX/XX/XXXX. 
I made this payment on the basis of the XXXX telling me i would receive a XXXX procedure. 
Instead he used a XXXX XXXX on me whcih has XXXX XXXX XXXX. XXXX XXXX are used to remove XXXX and are not XXXX XXXX. I did not pay for a XXXX treatment but a XXXX treatment that clearly was not conducted on my skin as evidenced by multiple photos & acknoweldgements by the office of XXXX XXXX. 
The use of this unconsented treatment was ackowledge by XXXX, the assistant to XXXX XXXX in the scan attached to this complaint. 
This was an advance fee scam that has XXXX XXXX XXXX and is not aligned with the terns agreed to under the care credit card. I became suspicious of what type of XXXX  was used given the XXXX XXXX XXXX XXXX XXXX, There are photos taken in XX/XX/XXXX that show the bad XXXX XXXX XXXX XXXX & support my claim i did not receive a XXXX XXXX As such I am due a refund of all of my monies as they were obtained under fraudulent cirumstances. This does not even address the thousand of dollars of loss that i experienced as a result of receiving this fraudulent XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-01
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. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I noticed that one of my creditors, Synchrony Bank, in association with Venmo for my Venmo credit card pulled my credit report without my consent and used it to lower my credit limit. I have not recently applied for a new card nor applied for a credit limit increase that would warrant them pulling the report.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

On XX/XX/XXXX, I received a letter from Georgia Mortgage assistant that I will need to have SLS sign a Workout Agreement to be considered for Partial Reinstatement. I emailed the letter to SLS on Tuesday, XX/XX/XXXX to XXXX. I spoke with XXXX XXXX number XXXX, he stated they received the letter and transferred me to the loss mitigation team. I spoke with XXXX and I told him I would complete a request for Mortgage Assistance. The Mortgage Assistant application, workout agreement and other supporting documentation was sent on received on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, HUD counselor XXXX XXXX and I spoke with XXXX, SLS representative concerning documentation received from Georgia Mortgage Assistance for Partial HAF Agreement to loss mitigation department. I informed him that I completed an application for Request for Mortgage Assistance on XX/XX/XXXX and I must have the Loss Mitigation Manager complete the Partial HAF Mortgage Agreement to be considered for HAF Assistance. The letter states they will pay {$50000.00} ; however, SLS will have to sign the agreement for the remaining balance of {$16000.00}. He stated he could not transfer me to the manager because they were busy with other applicants. He also stated I was denied the loan modification because of the amount of {$65000.00}. I informed him that if SLS signs the workout agreement that will help me stay in my home because I received a letter from SLS and attorney that the have stated the foreclosure process. He attempted to transfer us to the department and also gave us telephone number XXXX to call if we get disconnected. I left message and have not received a call back. I have been attempted to get a modification from this organization since XX/XX/XXXX. It seems as if they do not want to assist me in the reinstatement of my home. I lost my job with XXXX on XX/XX/XXXX. As I stated to SLS, I would like to stay in my home. The main reason that caused me to be late on my home is loss of job and income. XX/XX/XXXX, I found new employment. In XXXX, XXXX XXXX XXXX, certified HUD counselor, called on my behalf to speak with SLS and he was informed that I was denied modification because I defaulted on a modification. This is untrue. On XX/XX/XXXX, I spoke with XXXX, and she stated they were unable to provide modification because they could not apply the amount owed onto the back of the loan and it was nowhere SLS can put the monies owed. Also, XXXX stated I had a loan modification in XXXX and XXXX. I have made payments to SLS until XX/XX/XXXX ; however, they state I owe for XXXX. I feel my account has been mishandled by SLS. Georgia Mortgage Assistance is willing to assist with getting me back on track with my mortgage ; however, SLS is stalling. Please assist me with this matter. I do not want to loose my home.
Consumer complaint received 2017-05-12
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. (AZ)

My wife ( we are divorcing ) had  XXXX  in  XXXX , AZ, in  2016   . She refused to pay the surgeon 's bill as she was dissatisfied with the outcome.     All  XXXX  major credit reporting agencies, then put her debt ( it was then {$430.00}  ) o n my credit report as well.     I wrote all   XXXX   agencies and explained that this was not my debt.  XXXX  and  XXXX  immediately removed this debt from my credit history, but so far, after 3 attempts to remove this debt from my Experian Credit Report, they have steadfastly refused, even though it is not my debt. They have lowered my FICO score to approximately  XXXX , while the other  XXXX  agencies are reporting my FICO score  as  XXXX - XXXX .      Experian is harming my ability to obtain a better mortgage rate, and lower credit card rates.     Thank you