davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX @ XXXX there were 2 charges to my account totaling {$1400.00}. I was made aware of these charges when I received a text asking if I had made a purchase at a store I had never heard of. I replied NO at XXXX. Just prior to receiving the text from Capital One I had used my card at the XXXX XXXX kiosk at XXXX airport to do self check in. We walked away from the kiosk and left the card in the kiosk. We got the text about the charges and immediately went back to the kiosk and the card was gone. We contacted the XXXX & airport representatives and we all looked for the card but there was no sign of it. Then over the airport intercom I heard my name being announced and asking me to go to the Information Desk. On going there I found out that somebody had handed in my card. I then texted my response to Capital One that I did not make those purchases. I did not report the fraud charges in the airport because I do not speak any XXXX and I was afraid I would get delayed and miss my flight. I received 3 letters from Capital One, the first ( dated XX/XX/2022 ) said that a fraud investigation had been opened. The second ( dated XX/XX/2022 ) said they were happy to tell me that the fraud investigation had been resolved and implied that the charges would not be billed to my card. The third letter ( dated XX/XX/2022 ) indicating that insufficient evidence of fraud.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
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: Sa-Vit Enterprises, Inc. (NJ)

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I have mailed 3 certified letters to XXXX, XXXX and Equifax to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Names are inaccurate All those other spellings are inaccurate. XXXX AND XXXX   WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX  XXXX XXXX XXXX, XXXX, OHXXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation (CA)

The company call me at work. I have told them I can not get calls like this at work. XXXX XXXX calls me and I ended up having to hang up on him because even though I told him I am at work he just kept on talking. Calls to my work need to be stopped or I will lose my job. Their number that he called me from is XXXX - XXXX XXXX XXXX.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (UT)

I applied for the XXXX XXXX Credit Card two weeks ago. On the site it offered a {$200.00} STATEMENT CREDIT after spending {$500.00} in the first three months. I applied for this card and was approved. Upon approval the page loaded and now said that I would receive a {$200.00} XXXX GIFT CARD. Normally, this would not have been much of a big deal to me but because we are going to XXXX in less than a month, the gift card would arrive too late for us to use at the park. Since, the promotion being advertised was NOT what I was being given I decided to call the company and ask them to uphold the offer that I had been promised when applying. I worked with them ( was told I 'd need to meet all requirements BEFORE they could submit anything for me ) and after meeting ALL of the requirements I called back and submitted a request to receive the promised {$200.00} as a statement credit. They sent the issue to their Advertising Dept. where it was rejected. I called back and this time asked to speak with a supervisor. This supervisor was VERY HELPFUL, he went to the site that I had applied for the card from, saw that I had in fact been offered a different promotion and told me that he would push it through and make sure that they " did what they had promised. '' I felt assured that all would be resolved and waited. Then today I received another written notice that my request had been denied. I called and was informed by a supervisor that there was no other option for me to resolve this, that there was no one with more authority that I could speak with and no way for me to speak with someone in the department that rejected my claim. He told me there was nothing else that could be done regarding this situation and while I sat there in shock at being told that they would not continue to help me with this, he politely hung up on me. I can not believe that an established and trusted company such as CHASE bank would treat a customer this way. I did everything required and their promotion is falsely advertising something they are not willing to give. I also calmly tried to give them a chance to make this right and was treated very poorly AND they have done nothing to resolve the false advertising which can be easily viewed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole situation has left me feeling powerless and unheard so I am hoping that the CFPB will help me to hold CHASE accountable. The last supervisor I spoke with made it very clear that the company did not care what they had promised and that I could not do anything about it. I do not believe that this is appropriate or fair. 

Thank you so much for your time, XXXX XXXX
Consumer complaint received 2015-12-18
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BB&T CORPORATION (NC)

someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well.
Consumer complaint received 2022-08-29
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. (FL)

In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) 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 a account without my written instructions I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2022-08-29
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. (FL)

In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) 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 a account without my written instructions I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-29
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX 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. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** 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 2022-08-29
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: AmeriCollect (IL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2022-02-24
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. (NY)

Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I tried to pay the account in full by cashiers check XXXX thru XXXX, however they returned my check because USAA alleged says they only accept checks from members in the XXXX states. They dont accept checks in Alaska XXXX Hawaii XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. I have been subjected to interest and having to write on the back on the check not for its intended purpose. I have paid the account off in full. I am asking usaa for the interest return due to 3rd party agents always giving wrong information they do not represent USAA adequately. Every time I call I get wrong info.
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

Back in XX/XX/XXXX I applied for Income Drive Repayment. I received an email XX/XX/XXXX letting me know based on my income I would be on a Pay as you Earn Plan and my payments would be totaling XXXX. In XX/XX/XXXX I was hit with a bill for XXXX. When I called they assured me that I did not need to make this payment and their supervisor 's were looking into it but they had no idea why that was happening. They took me off direct debit and told me NOT to make the payment. When it still was not resolved in XX/XX/XXXX I called again. This time I asked to talk to a supervisor. The supervisor I talked to basically told me there were two bills in XX/XX/XXXX one for my PAYE amount of XXXX and another large one that made the total over {$800.00} and because I did n't make the payment of XXXX that it was my fault the issue still had n't been resolved! She told me to keep making the payments of my approved PAYE amount but my account still says I am past due and I owe XXXX. On top of my past due amount my account now says I owe XXXX for the month of XX/XX/XXXX. I have no idea where they are getting this number? It is not what I was approved to pay. I have called several times and each time they tell me something different about my loan total. I just want the issue resolved.
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (AZ)

In the past 3 years I have contacted this company at least 3 times to have this late payment information removed from my credit report. I was told that they couldn't do anything. Here I am. I have had an excellent credit score until I accidentally missed one payment on this credit card. I was in the midst of a move and the mail did not get to me in time and having so much to do and on my mind, the charge was forgotten. When notified, I immediately paid the balance which I don't clearly remember but I think it was approximately {$100.00} and was not given a chance to continue using the card. I opened the account in XX/XX/XXXX and paid on time EVERY time, but on XX/XX/XXXX I made my last payment and the company closed my account. It was 120 days late. Not fair! My credit score went down significantly due to this mistake and I understand it will stay down for at least 4 more years. Please help! I would really appreciate it if you could clear this up and restore my good credit again. Thanks in advance!!
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

I have a paypal credit account I took out a paypal credit for {$3800.00} and made a deal to pay it over the period of 6 months with 0 % interest. Now I have paid in full the balance and took a new Paypal credit out for approximatley {$3400.00} with the plan for 0 % interest over six months and they have now closed my account and stripped the deal from me demanding me to pay the full balance within one month with no warning.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX
Consumer complaint received 2018-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Around XX/XX/2017, my car was repossessed for non-payment. I was not notified of what would happen after the repossession as far as if my car was sold to an auction, if i had a remaining balance, but they were so eager to call me ten times a day harassing me for payment. I am sure that there is a law in Florida for this. My car was repossessed twice by these people, Santander/XXXX. I told them that I was having financial hardship. Customer service XXXX. They are reporting two different amounts due, which I will be showing proof of. It is making my credit score look terrible and this needs to be resolved.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North Shore Agency, LLC (NY)

The North Shore Agency debt collection agency attempts to collect {$100.00} for the XXXX XXXX ( Creditor ) Account # XXXX It claimed that they sent me jewelry in which I had never ordered nor did I receive it.

The debt collection agency web is XXXX The automated attendant toll free number is XXXX The address is North Shore Agency -- XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX