davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (WI)

I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (OH)

XXXXRe : Follow-Up Report - Unauthorized Reporting and Refusal to Opt Out** Dear [ CFPB ], I hope this letter finds you well. I am writing to follow up on my previous communication regarding the unauthorized reporting of my information and the company 's refusal to honor my request to opt out, as detailed in your report ( attached ). 

**Background : ** On [ XX/XX/XXXX ], I submitted a request to opt out of reporting as per the procedure outlined in your company 's report. The report explicitly mentions that authorization is required for opting out. However, to my dismay, your company has refused to fulfill this request, contrary to your own stated procedure. 

XXXXCompany 's Response : ** Despite the clear instructions in your report, I received communication on [ XX/XX/XXXX ] indicating that my request to opt out was denied. This raises concerns about compliance with the Privacy Act, USC 1681, and 6802, which I have previously highlighted. 

**Legal Violations : ** I want to reiterate the importance of complying with the Privacy Act and relevant U.S . Codes, which require adherence to the procedures outlined by the company itself. Failing to honor the opt-out request as per your own guidelines may constitute a violation of these regulations.

**Request for Resolution : ** I kindly request that [ XXXX XXXX ] promptly rectify this situation by honoring my request to opt out, as clearly outlined in your own report. This will not only ensure compliance with applicable laws but also demonstrate a commitment to ethical and lawful business practices. 

**Documented Evidence : ** Attached to this letter is a copy of your report, where it explicitly states the requirement for authorization to opt out. I believe this documentation reinforces the legitimacy of my request and the company 's obligation to adhere to its own procedures. 

**CC to Regulatory Bodies : ** As a consumer concerned about the proper handling of personal information, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I am committed to resolving this issue through appropriate channels. 

I trust that [ XXXX XXXX ] will take swift action to rectify this matter. Your cooperation in promptly addressing this concern will be appreciated. 

Thank you for your attention to this matter. 




Complaint number XXXX
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

I called Paypal earlier this year and explained that a credit card had been opened in my name which I did not apply for. They investigated and closed the account and I was not responsible for any charges. They could not give me the email address used to apply for the card but it was not my email address.
Consumer complaint received 2022-11-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, 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 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for car loan on XX/XX/2024 with Navy Federal Credit Bureau and was denied. They claim it is due to not meeting their underwriting policy but I already have been pre approved by a competitor and believe I was denied retaliation for submitting a complaint for being embarrassed by a concierge at a branch for asking about being pre-approved for a home loan ( I was pre-approved by a competitor with no issue ) and filing a different complaint for their discriminatory behavior with my secured credit card. They have not once sent me any correspondence by mail or digitally explaining their actions and what requirements i need to meet in order to meet their " underwriting standards ''. This behavior is parallel to class action lawsuit that they are facing for discrimination against XXXX and XXXX customers. I am reaching out to the consumer XXXXinance protection bureau to assist me from becoming another victim of their practices.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER HOLDINGS USA, INC. (MA)

Hello, my Name I XXXX XXXX I'm writing to you because of fraud on my bank account for {$3000.00}. Some how some got in to my bank account and transfer the money to another account. I reported this to the bank but then got a letter denying my claim. I don't make External Transfers there should be no Inconsistencies
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (IN)

I was a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was incarcerated have contacted and sent proper documents to XXXX XXXX XXXX they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

ordered clothes for my XXXX year old mother. clothes did not fit. returned entire order. charged a restocking fee, then continued to charge me interest and late charges on a restock fee. paid on the account. sent a pymt on XX/XX/20 of {$75.00}. called several times the week of XX/XX/XXXX - XX/XX/XXXX. still no payment on file. called morning of XX/XX/XXXX, still no payment received and charged me another late fee of XXXX called back after lunch on XX/XX/XXXX. they had received my {$75.00} as of XX/XX/XXXX, but as of morning of XX/XX/XXXX, still not showing my payment. took them 2 days to post my payment. called and asked them to remove {$35.00} fee, refused. This company is horrible. When you order clothes online, and they don't fit, you should not be subject to a restocking fee.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (OR)

Under the stipulation of 15 US code 1681i ( 6 ) ( B ) ( III ), it is mandated that consumer reporting agencies ( namely Experian, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted durning the verification process along with their contact number. over 30 days ago i solicited documentation to substaniate this account yet I have received no such documentation, without legitiment poof or backing these accounts, it has no basis to be included in my credit report XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Spoke with XXXX XXXX at XXXX XXXX to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/2018 and final payment was made on XX/XX/2018. I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am complaining about the company Portfolio Recovery Associates, LLC ; XXXX XXXX XXXX, XXXX, VA XXXX. Their parent company is PRA Group , INC., which is a for profit stock-based group which answers to shareholders. According to their Q1 XX/XX/XXXXEarnings Call, In the Americas, the cash collections in core  and insolvency were {$340.00} XXXX, a new record for PRA. We broke the old record from Q2 of XXXX. Our cash results have been so strong that any of the past 5 quarters would have been a new record, if it was compared to any quarter prior to XXXX. In the U.S.,  cash collected per hour paid increased 24 % from the first quarter of XXXX, which sets a new Q1 record. 

The reason I mention this is because it explains why I have been harassed by PRA for a debt that I do not owe them. PRA is obligated to their shareholders which means they need to do whatever means necessary in order to collect a debt. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. One of the accounts that I was enrolled with was XXXX XXXX, which was later purchased by PRA in XX/XX/XXXX. I was already enrolled with XXXX and PRA kept calling me. I kept telling them I was enrolled in XXXX. They did not listen and kept calling. In XX/XX/XXXX, PRA placed a collection on my credit report. I receive a monthly credit report with monitoring which is how I found out there was a change to my credit report. This XXXX account will be paid off in XX/XX/XXXX, but PRA waited until XX/XX/XXXX to place a collection on my credit report. First of all, it is not my fault they did not do their diligence by purchasing an account from XXXX that was enrolled with XXXX. Secondly, had I not have been in XXXX, why didnt they immediately place a collection on my credit report when they purchased my account from XXXX in XX/XX/XXXX? Why did they wait until XX/XX/XXXX when there was only five months of payments left? PRA is conducting nefarious business practices in order to appease their shareholders to maintain their increased YoY results. 

I filed a XX/XX/XXXXcomplaint a couple months ago, but it has gone nowhere. PRA is obligated to its shareholders and will do anything possible to attempt to collect this debt, even if it means trying to destroy my credit by placing a collection on my credit report. I have provided the supporting documentation that shows the account numbers from XXXX and my XXXX account. I also provided the letter PRA provided me which showed me when they purchased my account from XXXX. I would appreciate your assistance with this matter.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

t 's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2022-10-30
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. (FL)

Equifax has committed numerous violations of the XXXX. Its rules, orders, and standards governing consumer complaints adopted by the XXXX 's jurisdiction. As a result of this cyber theft my identity was stolen. My credit score has been severely affected by HARD impacts. I have had issues for applying for new Credit Cards, Or loans for my business. To make matters worse i was NEVER contacted by Equifax to make me aware of the situation. I found out via XXXX XXXX from a creator and had to utilize time to gain more information regarding this breach. Its terrifying to know FRAUD has taken place without the knowledge or consent of the people they are impacting, like myself. They must be held accountable.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One is reporting a business credit card account on my credit reports that does not belong to me. This credit card account belongs to the corporation, XXXX XXXX XXXX XXXX, XXXX. Admittedly, I was a minority shareholder for this company, however, I didn't sign for this card. Thus, I am not the responsible party. In XXXX of XXXX, I wrote Capital One a letter explaining that I didn't sign up for this card and in my letter I requested the original contract bearing my signature. In Capital One 's response, ( please see attached ) I didn't receive a copy of the original contract or any other documentation that makes me the responsible party. Finally, on XX/XX/XXXX I called and spoke with a Capital One XXXX, XXXX, ID # XXXX. Basically, XXXX stated that there was no signed contract and that the account was established online using my information. Please keep in mind, in the most recent XXXX data breach, all of my information was accessed.
Consumer complaint received 2023-03-08
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. (CA)

I refuse to pay the alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 


XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX Closed XXXX negative monthsAccount Info Account number XXXX XXXX XXXX XXXX negative monthsAccount InfoAccount XXXX
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (PA)

XXXX was taken out of my account on XX/XX/XXXXwhich was a scam I never recieved any item for money that was taken, 2nd XXXXtransaction taking {$150.00} from my account was never authorized by me at anytime, bank says they find no error I just had XXXX of my money given away bank declines to reimburse. These are known scams through XXXX, bank not honoring, then exactly how are they protecting my money?