davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FinCo Services Inc DBA Current (NJ)

Months ago in XXXX my ballast blew on my car I bought a universal on for time and convenience. I got a guarantee from XXXX it would fit. It did not. Not at all. I figured I bought the wrong one bought a DIFFERENT ONE. With another guarantee to fit.it did not. Not at all. I requested refunds for both. XXXX SENT ME REPLACEMENTS INSTEAD. I requested refunds AGAIN. Keep that in mind, to even have the items I MUST have paid for them. Okay. They said when I RETURN the items I will get my refund. GRANTED it slipped my mind and I never returned them. yesterday I was RECHARGED for both, informed my card company, current. It was purchased through my XXXX XXXX XXXX They tell me they wont put the balance back and if it ends not in my favor Itll be put into my next months balance so understand theres the original charge ( to accquire ) the second charge ( unauthorized ) and they say if the dispute ends not in my favor it goes in the my next month billing statement as well and thats after a possible 90 day investigation. So TECHNICALLY I would be charged 3 times for that one productThat didnt fit as it was GUARANTEED TO and MY creditor is giving my money out unauthorized. I need help.
Consumer complaint received 2023-06-14
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. ()

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. NO CONTRACT XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I have called Chase bank ( XXXX GA ) several times to clarify the details of my account. I have spoken to ( I believe XXXX The XXXX lady ) several times in reference to my account status. Im constantly receiving emails from this bank that I had years ago and forgot about but Im being denied access to my bank account information and status. I have left several messages.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (NY)

XX/XX/XXXX at XXXX my chime accounts was hacked and XXXX was taken out. I have disputed 3 times and chime refuses to credit my money to my account. I need to escalate this because this is highway robbery. These were fraudulent transactions. I submitted documentation of my transactions and they have not resolved my issue. I call everyday and nonone is doing their XXXX right.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I'm currently banking with Chime. I had some payments to take care of and transfer funds from one account to another. One of the transfer did not showed. I contacted a phone number that allegedly was chime 's customer services. I was a fraudulent/scam number. They took all of my funds and personal information. I shortly contacted the bank. They told me they had to open two disputes and that it would take XXXX business ' days and they have up to XXXX  days to investigate. One of my disputes was close the following day which they did not respect the time frame to investigate. I have resubmitted the dispute and made the appropriate changes. It is very frustrating and the first two agents that assist me were not very helpful. Please advised.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.
Consumer complaint received 2023-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Bread Financial Holdings, Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account ending in # XXXX, has violated my rights. 

15 U.S.C. 1

681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15. U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CT)

XXXX XXXX is is reporting my acct late on XXXX and XXXX. The information is incorrect because my account was never let because they put one month of deferred payment. I need them to update my account to current asap. Thank you.
Consumer complaint received 2021-12-20
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. (GA)

I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by XXXX data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank credit card is still not calculating interest correctly. I submitted a previous CFPB complaint on this issue, which they only provided a partial explanation for. 

You can see on the attached statements that they have been charging " purchase interest '' every month when I have made no purchases.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I have always been set up on automatic payment for my account but i have a late payment on my report with this one company. It is inaccurate. The company shows that the payment was on auto payment but that it was received late. I have tried disputing it with the company as well as thru the bureaus but it has not been removed. Please assist me in getting this removed any way that you can as it is hurting my credit score and it was not by any fault of my own. Thank you.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (IL)

I have an optum bank health savings account. Through optum, I established a XXXX brokerage XXXX  to invest excess funds. The XXXX brokerage account is linked to my Optum Bank XXXX, and in the past I have been able to transfer any balances in excess of {$2000.00} to that brokerage account. I recently deposited {$8300.00} into that account. 

I have attempted multiple times on the website to transfer funds. However, my transfers have been unsuccessful. On XX/XX/year>, I requested a transfer to the XXXX  brokerage account. However, it was transferred to a mutual fund account that is unaffiliated with the XXXX  brokerage account. I transferred the funds back into the XXXX  account to re-initiate the transfer to the brokerage account. I re-initiated the transfer around XX/XX/year>, and it was rejected. I have called optimum multiple times, spoken to multiple people, and no one has any idea why this is happening. Theres a link on the optum website titled transfer from XXXX to XXXX brokerage. That link does not work and no one can provide me an explanation.
Consumer complaint received 2023-08-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to Portfolio Recovery Assiciates, LLC on XX/XX/XXXX. I attached such exhibit below. 

Portfolio Recovery Account # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. 

Portfolio Recovery Associates , LLC has only provided me with statements and transactions from XXXX XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. 

According to XXXX XXXX XXXX. XXXX transactions and experiences are not reported on the consumer report. This is a violation of my rights, reputation, and my mode of living. 

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 


( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The notice is to inform that Portfolio Recovery Associates LLC have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You Portfolio Recovery Associates , LLC have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (GA)

This account was charged off on my credit reports. The creditor reduced the balance to XXXX. That's what is reporting to the bureaus. Now they filed a lawsuit in the magistrate court. The date of the summons is XX/XX/2023. The paper was taped to my front door at home on XX/XX/2023. 30 days have passed to respond to this report. Service was not proper. I am asking the debt collector to withdraw the lawsuit.
Consumer complaint received 2024-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (AL)

Company claims to be a debt collection agency collecting for XXXX XXXX XXXX XXXX in Georgia. 

Company claims I had a hospital stay at some point in the past. 

Company provided no signed documents or proof that the medical debt belongs to me. 

I haven't been to this hospital. 

I haven't been to a hospital in Georgia. 

Company provided only letterhead with medical information attached. 

Company has not followed through with any proof that I owe this false debt beyond what very well could be someone having used my information through identity theft.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (SC)

So I sent a letter ( s ) off on XXXX XXXX XXXX Here is my tracking # XXXX # XXXX # XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (GA)

To whom it may concern.

Sequium Asset Solutions have placed a derogatory remark on my credit report claiming I owe the company a {$240.00}. The company claims the account was opened XX/XX/2021. 
I have not had any dealings or signed any contracts with Sequium Asset Solutions. I am requesting for Sequium Asset Solutions to remove every derogatory marks made on my credit, to be removed immediately.
Consumer complaint received 2023-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I re-submitted a PSLF application to MOHELA on XX/XX/XXXX after my prior submission was incorrectly processed, after which MOHELA responded over 60 days later, letting me know ( once again incorrectly ) that I was ineligible for loan discharge at that time due to processing only 1 of 3 submitted Employment Certification Forms. I tried without success to get through to them over the phone for the following month. I was finally able to speak to a supervisor on XX/XX/XXXX. The supervisor looked up my account and conceded that my forms had been processed incorrectly, that I was eligible for loan discharge, and said he would resubmit my application. I asked whether I would have to go through another 60-90 day waiting period and he said no, it would take at most 30 days but could take as little as 2 days. It has now been 2.5 months and my forms have still not been processed even though I have well over 120 qualifying payments and was eligible for loan discharge back in XX/XX/XXXX. This has been an ongoing saga for nearly a year with my forms being repeatedly incorrectly processed and MOHELA being impossible to reach.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been a customer with capital one for almost 3 years. I have always been on time never late. Always paid off my balance every month. So a year ago I reached my limit of XXXX. After having that credit limit for almost a year before reaching it. I even paid over the minimum required payment every month. So when I applied for a credit increase I was denied by capital one stating that my previous balance on a line of credit was to high?? The line of credit was capital one. So now that Im at XXXX they charge me the interest of XXXX or whatever they decide, then they have the nerve to charge Me enormous late fees. Which ever they decide and report this to the credit bureau. They are extremely bias on who they give credit increases too. And they really initiate high late fees and dont offer a solution to its customers at all.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (GA)

I just recently updated my report and I noticed there are several items that reappeared on my report after being deleted several months back. How is this possible? This has caused me to stress out because I was in the process of home buying and now I have to push back and find another place until this is corrected. Im sure my information was impacted by Equifax data breach so this had to be an error but this error occurred at the wrong time. Ive reached out to the bureaus but obviously they keep givng me the run around. I need this problem solved immediately.
Consumer complaint received 2023-08-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX XXXX am filing this claim against Capital One Auto Finance. Over the last couple of months, Capital One Auto Finance has been wrongfully and fraudulently attempting to collect a debt that I do not owe to them. After researching their claim, I have come to realize that their claims are tied to securities fraud. I have sent out correspondence through certified mail as an attempt to have Capital Auto One Finance resolve the issue and produce undeniable evidence of their claim and they have failed to do so. I DO NOT have any contracts that bind me to any obligations or duty to perform with Capital One Auto Finance, yet they have gone as far as to falsely report false and damaging information to the credit reporting agencies, of which I also DO NOT have any binding contracts giving consent, that I've sent a cease and desist. They have also sent a cease and desist that stated they will no longer contact me regarding this matter, and yet they still do make contact. And during my research, I realized that Capital One Auto Finance does not have a license to collect debt in Florida. I have also communicated my disapproval with said credit reporting agencies ( XXXX, XXXX, XXXX ) that I have not given consent to disclose any of my private information. 
This is my third attempt to try and resolve the issue with Capital One Auto Finance. 
I would like some help in addressing the matter.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (FL)

I request Physical Verification of this debt that was report to my credit by Equifax, XXXX and XXXX. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that Equifax, XXXX and XXXX say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you.

Agencies fail to follow guidelines for handling disputes.

Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.
Consumer complaint received 2023-02-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I am complaining about Equifax 's refusal to provide information about why my credit score dropped and how I can restore my old, higher score. I spoke to Equifax on XXXX XXXX, XXXX  as soon as I was notified by XXXX  about the drop in my credit score. 
Both the agent and supervisor I spoke to at Equifax refused to inform me what factor caused my credit score to drop and what actions I might take to restore my credit score to the old higher score. The supervisor told me that only XXXX XXXX  has that information. Only when I asked for contact information for XXXX XXXX, did the supervisor reveal that XXXX XXXX is not a separate company ; it is the model that Equifax uses to calculate credit scores. I feel that the supervisor was being cagey by not telling me originally that XXXX XXXX  is Equifax 's own internal secret model, and that, therefore, the supervisor has no way of telling me, the consumer, how to reverse the drop in my credit score. The supervisor said it could be that my opening a new credit card caused my score to drop and I might be able to figure that out when I get a copy of my credit report. When I asked if it turned out it was the new credit card that caused the drop in my score, could I improve my credit score by closing the new credit card account, the supervisor said he had no way of knowing. In fact, he said, closing the new credit card might cause my credit score to drop further rather than improve. This refusal to give specific information about what made your credit score drop and how ro repair your score is abusive.