davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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. (NV)

In XXXX of 2020, I disputed the XXXX XXXX account and the XXXX account as incorrect and unverified. 

Experian responded both as " verified '' and correct, yet they are reporting these in multiple ways. They are reporting them as " closed Accounts '' as '' charge offs '' and also ALSO as " unsecured loans ''. 
They are also claiming there is a current balance on these charge offs. 

Additionally, they continue to " renew '' this debt, instead of keeping the original date. 


I sent the request via certified mail ( unfortunately i am in the middle of packing and cant find the certified mail receipt right now, but do have it )
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (AZ)

I communicated with Spotloan representatives on XX/XX/19, XX/XX/19 and XX/XX/19. I signed my multiple loan contracts with this company, and have paid past debts with overdraft. However, I was unable to do that for some reason this time, and now I am still collecting unemployment. I thought I could get a hardship break and have requested to have all interest and other fees removed. I am currently 65 days past due and after 90 days my account goes to collections.
Consumer complaint received 2022-05-28
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: CITIZENS FINANCIAL GROUP, INC. (MA)

XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... XXXXIN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... XXXX15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status
Consumer complaint received 2023-03-10
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. (OH)

in accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX bankruptcy filing ) has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 28 usc 4852 A party may remove any claim or cause of action in a civil action other than a proceeding before the United States Tax Court or a civil action by a governmental unit to enforce such governmental units police or regulatory power, to the district court for the district where such civil action is pending, if such district court has jurisdiction of such claim or cause of action under section 1334 of this title.

( b ) The court to which such claim or cause of action is removed may remand such claim or cause of action on any equitable ground. An order entered under this subsection remanding a claim or cause of action, or a decision to not remand, is not reviewable by appeal or otherwise by the court of appeals under section 158 ( d ), 1291, or 1292 of this title or by the Supreme Court of the United States under section 1254 of this title.
Consumer complaint received 2017-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, I discover that there were 2 transaction on my checking account " Chase Bank '' ATM withdrawal for {$200.00} each. Each transaction only separated by just several minutes apart. The next day I called the bank and reported it and the bank refunded me the amount. The following week someone did a quick pay using my account with a name that I do not know for {$400.00} and the bank also did returned the funds. Before this transaction made, someone already requested an new ATM without my approval.The bank charged me {$5.00} which also they refunded. I requested to closed the account but bank refused to closed it because of ongoing investigation according to them. I waited for them to finish they 're investigation and I just found out that they are charging me back the 2 separated {$200.00} transaction worth of {$400.00} without receiving a courtesy call or anything to informed me. I went to the bank and asked what is going on. The banker told me to call the executive office XXXX to find out. The person I spoke with told me that the decision was already made by the bank to reversed what they refunded me because my ATM has a chip and can not be hacked. I explain my side but with no avail, they said they already made the decision based with the chip. I can not understand why I suffer for the bank that they can not protect my account. I leave here in XXXX, California and the transaction was made in XXXX Texas according to the bank customer service I spoke with from the Executive office. I told him it 's absolutely not me and I have never been in XXXX Texas. I am sure this is not only happened to me, I am sure there are lots of consumer suffering this particular problems. Please call me at XXXX or email me at XXXX
Consumer complaint received 2022-05-28
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: Colony Brands, Inc. (MA)

XXXX, XXXX # XXXX, ... date ; XX/XX/22 ( collection ) ... .in accordance with the fair credit reporting act XXXX XXXX has violated my rightt!, ..15 U.S.C.1618 section602A states that i have the right to privacy ... ..15 U.S.C.1618 section604A section2 also states that a consumer reporting agencycan NOTfurnish an account with out my consent and/or instruction and they've obtained niether!
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

Hi This is XXXX XXXX. I am discussing about ongoing issue and complain to CFPB Complaint Number XXXX. I have not received any response or result of my previous complain from SYNCHRONY BANK, now they have discriminated me, I used to get PRE-QUALIFICATION from SYNCHRONY BANK and now they have stopped, e from other STORE sites. Every company has given me PRE-QUALIFICATION approved except SYNCHRONY BANK, nor they response me my current/existing complain. They removed me from PRE-QUALIFICATION. I am monitoring their discrimination carefully. Because I have complained about them, they do not like me, otherwise I have XXXX plus score on XXXX. They shouldn't have removed me from pre-qualification if there is any on-going complain. XXXX XXXX, XXXX, and others pre-qualification approvals including I got XXXX XXXX, and XXXX XXXX, including Balance of Transfers offers. XXXX did not like me.
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (FL)

I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (TX)

We refinanced our home and got extra cash to pay off all other debts. We continued to pay while the work was in progress. The last statement says we were to receive a check for the amount left in the account of {$580.00}. We did not receive the check and have called several times. They said they would send it but never did. 
This is the third of three accounts that did the same thing. The other two were XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (GA)

I contacted PHH Mortgage Servicing the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, PHH Mortgage placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to PHH Mortgage asking them to remove the inaccurate 30 day late payments from all 3 credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the Federal Register for publication the notice stated that the national emergency declared in Proclamation XXXX of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease 2019 ( COVID-19 ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been using Capital One Credit card for awhile now. I have always made my payments through their payment portal system. I went to make a payment in XXXX of 2024 and seen my payment was proceed but continues to sync and never gave me a confirmation of payment. I realized at end of XXXX, that my credit was marked as late. I called Capital One Spark customer service and disputed the late payment and they would not take accountability for their system being flawed. I have no late payment history with this company and feel my complaint or concern was not addressed properly and the customer service would not honor their mistake and fix the late payment repotted to my credit or statements.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

The following is the chronology of events. 

Interested in opening a consumer checking account to take advantage of up to {$500.00} of account opening bonus depending on total of direct deposits. Promotion excludes consumers who " had a U.S. Bank consumer checking account in the last two years, or received other U.S. Bank bonus offers within the past two years. '' I had attempted to open a consumer checking account in XX/XX/XXXX which was never officially opened due to initial account opening 's ACH funding issue. 

XX/XX/XXXX : As account as never funded, spoke with XXXX of Promotion Dept to confirm qualification for bonus. XXXX confirmed that I qualified for the bonus as prior account was never opened since it was never funded. She was adamant that for an account to be officially opened, it needs to be funded with a completed signature card. 

XX/XX/XXXX : Opened Easy Checking account and funded initial {$25.00} deposit via debit card XX/XX/XXXX : {$25.00} initial funding posted XX/XX/XXXX : Met qualification for {$500.00} bonus via two direct deposits XX/XX/XXXX : Inquired with XXXX of Relationship Banking dept about the status of bonus XX/XX/XXXX : XXXX XXXX XXXX ) left voice message saying unqualified due to account opening XX/XX/XXXX. 

XX/XX/XXXX : Escalated to manager ( XXXX XXXX who claimed that Bank didn't have record of my of conversation with XXXX on XX/XX/XXXX. 

XX/XX/XXXX : Spoke with another representative who submitted another Customer Care Unit request with full explanation of the XXXX account opening and referenced the XXXX conversation with XXXX. Representative also disclosed that Bank 's written, internal policy is to pay bonus if promised. 

XX/XX/XXXX : Posted via XXXX 's @ XXXX asking for assistance on the matter. 

XX/XX/XXXX : XXXX ( Social Media Relationship ) reached out discuss the case. He indicated that he will look for recorded conversation of my call with XXXX on XXXX. 

XX/XX/XXXX : XXXX called to confirmed that Bank located the recorded call with XXXX on XXXX. He stated Bank will still not pay out earned bonus even after confirming that I was assured of bonus qualification prior to account opening. He said the agent has been coached. Told him that their written internal, written policy requires payout when a customer has been promised a bonus. 

In summary, this case revolves around the issues of lack of proper disclosure of what constitutes " open '' account and obligation to deliver on verified promises.
Consumer complaint received 2022-05-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX XXXX Is our website address URL
Consumer complaint received 2019-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (SC)

ID Data International- {$390.00}, XX/XX/2018 I have no clue about this debt with IQ Data International and it has damaged my credit tremendously. I have tried to contact them several times about this matter and they usually are very hasty on the phone and not willing to cooperate. I also attempted to contact several times through letters as well to validate the debt. I also sent them a copy of my identity theft report, and still they refuse to resolve this matter. I was out of the country for a few years and when I returned I realized that my Identity had been stolen.
Consumer complaint received 2022-05-28
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: Colony Brands, Inc. (MA)

XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... .IN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... ..15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I sent in a conditional acceptance validation of debt letter to the financial institution Credit Acceptance Corporation for a vehicle that was purchased on XX/XX/XXXX, which was delivered on XX/XX/XXXX, asking them to validate the debt they claim I owe before any more payment is made. It is now XX/XX/XXXX and I have not received a sufficient response even after requesting for so multiple times. I then proceeded to put them in default with a way to cure the problem but they wrote back and told me they were not going to respond back to me because they showed me all they can provide which was a fraudulent contract. So I sent a cease & desist on XX/XX/XXXX. On XX/XX/XXXX around XXXX XXXX there was a repossession attempt on my vehicle. My vehicle was up for repossession which should not be because the debt was never validated and I was not notified about my car being up for repossession.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (PA)

MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY AGENY PLEASE SEE ATTACHED DOCUMENTS AND OD AS IT CONTAINS MY FULL COMPLAINT REQUEST
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (MN)

The following accounts and credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX  XXXX, XX/XX/2020, XXXX  XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020