davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
EXPERIAN : 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (CA)

Credit Collection on behalf of XXXX XXXX has placed erroneous information on my credit report and has yet to show validity with accuracy of said debt. The policy was cancelled and XXXX XXXX still attempted to collect an insurance payment, thereby engaging in a commission of fraud. Credit Collection wont listen to reason and is accessory to the commission of fraud.
Consumer complaint received 2019-09-13
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (TN)

XX/XX/2019. Pioneer Credit Recovery has called my neighbors that I dont even know. They literally just moved in in XXXX. They told them my personal business. They were not on my reference list as I dont know them. This can not be legal.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2024, Synchrony Bank falsely accused fraud on my high yield ( 4.75 % ) saving account and made a full withdrawal from the account. 
On XX/XX/2024, Synchrony Bank wrote me a letter confirming my saving account had been closed. However, they did not provide a reason for closing. They also did not provide any information or return my deposit. 
On XX/XX/2024, Synchrony Bank responded to my CFPB complaint with only a brief false fraud accusation they previously made on my accounts but they did not take any steps to finalize their investigation and return the withdrawal. 
Since XX/XX/2024, my accounts were restricted by Synchrony Bank, I have been making tremendous effort keeping contacts with their call center. I have spoken to about two dozen representatives and was given different answers each time. The last time I spoke to a representative several days ago, I was informed there wasnt anything wrong with your accounts. Bank just wants to close them. you will get your money back.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I purchased a vehicle and used credit acceptance to purchase the used vehicle. I also purchased gap insurance. I was told this would cover anything that was not covered by insurance. In XX/XX/XXXX they claimed I had not made payments in XXXX months and repossessed the car. They told me if I paid XXXX I could get the car back. I did as they asked and found my belongings stolen out of my car, my babies car seat had been XXXX in a pile of snow as well as documents tossed in a trash back in the same snow pile. After getting my car back they lost my key fob, and I had to get a new one. Fast forward XXXX of XXXX and, I am hit at a red light and the other persons insurance company claims a total loss. I get it all set up and record my conversations with credit acceptance. Fast forward to XXXX. I receive a call from the state and from the body shop asking why the car has never been touched. I call credit acceptance and they claim they know nothing about this and did not know where the car was. I emailed the insurance company and they confirmed as well as the body shop that Credit acceptance knew where it was. They finally have insurance company pick up the car and Pay the amount owed which was XXXX. So after that and my gap protection I am told I still owe XXXX on a loan I owed XXXX at the time of total loss. It is now XXXX and They have continued to mark on my credit report I am XXXX days late, they have closed it, opened it, marked as collections, marked as nothing, and they have sent letters with the amount going from XXXX to XXXX said I could settle for XXXX. Now its XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-13
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. (PA)

You're in violation of the law! 

Until you can show me that you gave XXXX XXXX XXXX and XXXX XXXX XXXX, I demand that this data be removed. According to HIPPA, the health insurance portability and accountability act of 1966. I reserve the right to preserve my medical records, personal information, and privacy from all outside authorities. Send the proof to the address you have provided for me, please. The letter I'm asking to be delivered serves as confirmation, and I ask for all the information you got from the provider regarding the purported debt. 

FCRA is broken if you keep reporting this supposed medical debt without properly confirming it and showing me proof of my consent. You just have 30 days to delete this material, and if you don't, I'll start legal action.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, I booked a hotel in XXXX through XXXX XXXX XXXX using my Chase Freedom Flex card. The transaction amounted to {$98.00} and was recorded under Trip ID XXXX. 

Due to a severe flight delay, I arrived in XXXX at XXXX XXXX  on XX/XX/year>. Given the significant disruption to my travel plans, I contacted XXXX customer service to inquire about canceling my hotel reservation and obtaining a refund. During this call, the customer service representative assured me that a refund was possible and initiated Case number XXXX to process my request. The representative informed me that I did not need to take any further action and that the case would be resolved within 48 hours. 

Based on this assurance, I did not check into the hotel and relied on the promise of a refund. However, after waiting beyond the promised timeframe without receiving any communication or updates, I contacted XXXX XXXX to follow up on the status of my refund request. To my frustration, I received conflicting information from XXXX XXXX representatives, contradicting the initial assurance that a refund would be processed. 

Despite multiple follow-up attempts, I have not received a satisfactory resolution or clear communication regarding the status of my refund request. The inconsistency and lack of transparency in handling this matter have caused significant inconvenience and frustration. 

I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX XXXX honors the initial assurance of a refund due to the exceptional circumstances caused by the flight delay. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-17
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. (MD)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-17
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. (WA)

I want to complain about the credit bureaus and companies that I have been submitting disputes against for falsely reporting information on my credit report. I started disputing on XX/XX/XXXX, with another dispute on XX/XX/XXXX then a round now that was submitted on XX/XX/XXXX. None of the bureaus have given me valid responses and the responses that I did get were stall tactics that are accusing me of using a 3rd party. This is upsetting because I'm trying to get my credit to a point that I can purchase a property and with this false information, I'm unable to do. There's also some late payments that I was promised would be removed within 72 hours and that still has not happened. I got behind on a few payments because my husband was in the hospital with a XXXX XXXX, my priority was taking care of him and getting him back to health. I have provided proof as well of this hoping this will help in removing the late payments as a courtesy.
Consumer complaint received 2019-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (VA)

This loan was originally opened around XX/XX/XXXX. As with another payday loan I have been having problems with paying this loan twice month. On XX/XX/XXXX I withdrew their ACH authorization to withdraw funds from my checking account. I have had to close that account. The payment negotiations they have provided still have twice a month payments. According to my records I have paid {$1600.00} on a {$750.00} loan. I live in Virginia.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Case XXXX last attempted to be addressed XX/XX/23 My checking accounts were all closed suddenly due to concerns about fraud when I fell for a scam and my account password was compromised. The scammers attempted to deposit and subsequently withdraw fake checks multiple times ( all in the same amount, remotely ). 

I understand closing the account for fraud concerns. I dont understand being prohibited from opening another checking account with them ever again. I have continued to make payments on my Line of Credit and credit card that is still active with them, which are much more difficult to use and/or pay without the ease of transferring funds instantly to and from a Wells Fargo account via the mobile app or online. I have to draw from my Line of Credit via a XXXX minute process inside a physical branch location each time in order to transfer to an outside bank. 

Im writing primarily to complain about the sudden account closures with no ability to appeal the closure and/or open a new checking account ever again.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (AZ)

Received email on XXXX from Chase Bank card services saying " thank you for applying for a credit card. '' Also on XXXX received alert from XXXX XXXX XXXX of an inquiry to my credit record. ( The is a fraud alert on the credit report ). Contacted Chase Protection Group at XXXX- they said there is no record of an application but were unable to explain the email and alert. XXXX Chase Card Services at XXXX- they said there is no record of an application in either me or my wife 's name but were unable to explain the email and alert. They suggested it may have been a phishing email but could not explain how that would trigger an XXXX alert. They transferred me to Chase " disputes. '' They stated there were no applications in either me or my wife 's name and said they would initiate a case to follow up. I filed a dispute with XXXX and they removed the inquiry. I have also frozen my record at XXXX, XXXX and XXXX.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Good afternoon, on XX/XX/2021 I opened a Select Checking account that offered the following : Get up to {$600.00} in cash bonuses. Receive {$400.00} by having direct deposits totaling {$6000.00} or more post to the new Santander Select Checking account within 90 days and get an additional {$200.00} by maintaining an average daily balance of {$6500.00} or more for the first 90 days. I have satisfied the requirements and it has been 90 days yet I was informed that I will not be eligible for this bonus because I am a signer of my wifes account and their terms state : Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening. However, the terms had no mention that being a signer on a spouses account disqualified me from the bonus. I had only added myself as a signer to my wifes account due to a an issue with a deposited check that was made out to the both of us. Ultimately, this is very misleading since the promotional offer was sent directly to me and my Addendum to your personal Deposit Account Agreement even included the promotional information. I have attached both the advertisement sent to me as well as the Addendum to my personal Deposit Account Agreement. I believe the terms need to be more specific and I should be in fact eligible for the bonus this time. Kindly look into this for me.
Consumer complaint received 2023-01-13
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. (FL)

I called the Experian after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this XXXX account on my personal profile, I noticed that there was a erroneous Account on my credit report which is misleading to me. I sent a letter to Experian on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this account will be corrected. 
XXXX XXXX XXXX {$370.00}
Consumer complaint received 2023-01-13
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/2023, I noticed an ATM charge in the amount of {$180.00} that was charged to my debit card on XX/XX/2023 in XXXX XXXX, XXXX When the charge was made, I was in XXXX, XXXX. After returning to the XXXX, I called Capital One to file a fraud claim. Capital One provided a provisional credit, then sent an email on XX/XX/2023 stating the claim was denied due to the assertion about the debit card possession and transaction information and the credit would be removed on XX/XX/2023. 

After receiving the denial email, I called Capital One to assess the reasoning behind the denial and request documents with evidence used to research my claim. The agents I spoke with said the claim was denied because the card chip and pin were used. I let them know that I was not in XXXX XXXX at the time the charge was made, and I had my boarding pass as proof. I sent an email with my boarding pass on XX/XX/2023 to prove that I was not in XXXX XXXX. My flight went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX ( XXXX ). 

Even though I provided my boarding passes as proof, Capital One still removed the provisional credit on XX/XX/2023. I called again that day to check whether my boarding pass was used to reopen the claim and inquire on why I had not received documents of their evidence. I resent my boarding pass and requested the documents once again. 

On XX/XX/2023, I received an email from Capital One card investigations with an attachment stating they were standing by the denial of my claim and provided a screenshot of an excel spreadsheet that was illegible.
Consumer complaint received 2017-08-29
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. (PA)

I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number XXXX
Consumer complaint received 2022-04-11
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. (NY)

Im accordance with the fair credit reporting act XXXX account numbers XXXX, XXXX, XXXX, XXXX violated my rights. 15 U.S.C 1681 602 A, states I have the RIGHT to privacy.. 15 U.S.C 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I was contacted by letter from a XXXX XXXX XXXX by the name of ( Offices of XXXX and XXXX ) This indicates the office is located in XXXX, CA. XXXX and has a phone # of XXXX. 

The letter was not certified, and came through normal mail. The letter starts by saying ( NOTICE OF INTENTION TO FILE AN I.R.S. XXXX FORM. 

It's obvious the letter is a strong arm tactic to get me to pay them {$410.00} on a debt that was charged off on XX/XX/2007. It states the original creditor is XXXX XXXX. They provide no real documentation that this account existed or that it was charged off. They state the original charge off balance was {$780.00} and with interest the amount is {$850.00} Then states the total amount owed is {$1600.00}. 

They provide an account number that I can't verify it existed. The later states. XXXX and XXXX are willing to offer you two lower settlement options then what's owed to the IRS. This is a one-time offer and our last attempt to settle this account before submitting a XXXX to the I.R.S. 

I do know that I settle with a collection company once and will get copies of that from the lawyer I used. I also know that I was contacted by several credit company 's who purchased the debt and tried to collect after settling with that particular company. 

I don't understand how they can simply send out a letter with numbers attached and that is supposed to be satisfactory validation that you owe them money. I don't like that fact this is a strong arm tactic. No different then I am going to tell the police you punched me and unless you give me money I am going to call them. If I owe taxes on a debt that wasn't paid back, shouldn't I have received the XXXX form the year is discharged. which according to them is XX/XX/2007. Why wait almost 11 years. 

In one of the boxes it says they have a federal identification # of XXXX. I think this is unfair collection attempt. If I owe the government taxes, then I should have to pay the taxes once I get legal notice from the I.R.S. not a collection company.