davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (IL)

Hi, I received an email from Chime in XX/XX/2021 about a debit card that was being sent to my address. I did not open any such account in addition, that address they had on file was old. I immediately emailed them and told them I did not open an account. 
I am currently undergoing other complaints of someone opening up bank accounts in my name, using my old address.
Consumer complaint received 2024-02-07
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. (KY)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma (AL)

I called credit karma since the beginning of XXXX my card was stolen and used on someones XXXX XXXX One amount XXXX  dollars and then XXXX dollars I call twice a week and the say they cant help me because its a third party transaction but I do not have a XXXX XXXX and XXXX XXXX will not help me because I am not a customer but credit karma will not file a dispute or help me in any way
Consumer complaint received 2019-08-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IL)

I arranged a payment for my vehicle and the operator assured me that I will not get a late payment reported on my credit report because I completed a promise to pay and set up my account information so that the funds will be taken out of my account and they still reported a 30 day late payment on my credit report I asked them if possible to remove because someone told me from their team that I will not receive a penalty because I set up a promise to pay. They denied to remove the penalty. Ive been calling them for a week and after I provide my information so someone can access my account they hang up the phone on me. Ive been trying for at least a week. My payment was due on XX/XX/XXXX but because I was experiencing financial issues my pay date fell on XX/XX/XXXX which I stated to ally auto which caused my credit score to  drop 78 points I believe. And since XX/XX/XXXX Ive been calling and I havent spoken to a representative from ally auto yet
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX XXXX # XXXX.
Consumer complaint received 2020-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (VA)

I have emailed and spoke to Prosper about calling my work. They continued to call even after payment arrangements were made online. I have the email ( XX/XX/20 ) where I asked them to stop calling my work which they acknowledged and I have spoke to them about calling me at work ( XX/XX/20 ) he said he saw a payment and will put to stop calling at work. They have been told several times to stop calling my work. I have the email, date of the phone call where I spoke to a representative and several phone pics of them calling my work. I would like to file an FDCPA complaint for harassment. The calls often times are no one saying anything or they will speak to my coworker, but not me when i get on the phone.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good Day, XXXX XXXX, XXXX negotiated a settlement on my Capital One Credit Card account dated XX/XX/XXXX for an amount of {$3000.00}. The first 24 payments were to be {$120.00} and the final payment due XX/XX/XXXX is {$120.00}. For some reason, in XX/XX/XXXX Capital one sent me a refund check for the amount of the XX/XX/XXXX indicating " no open account found ''. The first 3 payments in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) were paid on my behalf by the law firm and then I continued payments, always on time for the amount shown via my bank bill pay function. Documents to support proper, complete payments attached to this complaint. When the refund check was received in late XX/XX/XXXX, I sent a letter via certified mail to the Debt Settlement Negotiator of Capital One, XXXX XXXX on XX/XX/XXXX via certified mail ( copy attached to this complaint ). Enclosed with this letter was the Capital One refund check. To date, no written response has been received from Capital One ; however, Capital One is now negatively reporting this account on my credit reports. Please help. I want to pay the remaining payments as agreed to this creditor. Many thanks!
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

I have contacted speedy cash, as well as XXXX XXXX XXXX XXXX, fraud department with no success! I am a victim of identity theft someone took out a loan online using different phone number, different email, different work number there for speedy cash can not give me information! When it was in fact taken out in my name and is in collections. Ive tried several attempts to communicate and inform them this is not my account!! XXXX Please help XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted documents that includes a copy of my U.S, identification, social security card as well as a copy of my FTC report. along, with a letter informing Transunion that I am a victim of identity theft. They have failed to acknowledge my mail. All mail was submitted by United States postal services. I have sent data in twice and have tracking confirmation that all mail was received. Each time XXXX contact Transunion, they state they have not received any documents. Today, I spoke with ( XXXX XXXX at XXXX XXXX at XXXX. In which, this agent has also stated documents has not been received. I have attached tracking confirmation.
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called XXXX XXXX XXXX saying that they represent Citizens Bank. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a Citizens bank account which was paid off on XX/XX/2017 according to my XXXX  report. And the account with Citizens bank   is XXXX. I also checked my credit report that shows my Citizen bank  education account was paid off already. I had tried calling this company with no person picking up the phone.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

Resurgent Receivables LLC elicited a company by the name of XXXX XXXX XXXX XXXX to attempt to collect a debt from me that I do not owe them. 

XXXX XXXX XXXX sent correspondence to me dated XX/XX/2022 that I received in the mail today XX/XX/2022. The correspondence states that Resurgent Receivables LLC is the creditor of the account. And that I owe them money. This is false, misleading, and deceptive statement. I do not and have not ever entered into a credit contract with Resurgent Receivables LLC for any debts. 

They are not the original credit of the debt they are attempting to collect, and the laws are very clear about Collection Agencies dealing in false, misleading and deceptive practices. 

In addition to their false claims about being the alleged creditor, they sent XXXX XXXX XXXX after me to collect on their behalf. 

To add insult to injury, XXXX XXXX XXXX is in violation of North Carolina General Statute 58-70-01 which prohibits them from practicing debt collection in North Carolina without filing a surety bond with the North Carolina XXXX of XXXX 's office. In addition to their violation of NC General Statute 58-70-01, they are also in violation of North Carolina General Statute 58-70-50 which requires them to place their permit number showing that they have a registered surety bond on file on any correspondence they send me. 

XXXX XXXX XXXX 's correspondence dated XX/XX/2022 has no such permit number on it. Under North Carolina law " a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony ''. 

I am DEMANDING that Resurgent Receivables LLC delete their inaccurate, un-validated collections from all consumer reporting agencies under my social security number. I am also requesting that they cancel the alleged debts, and cease from selling the debts due to their violation of Federal law that states that " debt collectors are prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt '' which they have clearly done. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA. 

If they do not delete the negative tradelines they are reporting under my social security number, I will be seeking all legal remedies afforded to me by law and will have to appear in a venue local to me to defend themselves.
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Bank offers overdraft protection. The line of credit account is listed along with the checking accounts. The full-service access online and the mobile app allow the transfer of funds between all accounts entrusted to Capital One. 

Over the last two payment cycles, the online ability to transfer money and pay off the line of credit has not been functioning. You can choose the " account from '' to begin the transfer process but the " account to '' does not include the line of credit account. 

I called and alerted Capital One. They informed me that Capital One is having issues with the feature, which allows customers to transfer money and pay down their line of credit. 

After I paid the balance over the phone, I registered a complaint with the Capital One customer service representative. I informed them that the inability for customers to complete the transaction online is suspect and that " it was convenient for Capital One to sit on this money and draw interest. '' The representative said that there was a way to pay by calling customer service. I responded by informing the customer service agent : 1. At no time was I informed that Capital One was having issues with the online feature, which allowed me to pay down my line of credit through the online transfer of funds option.

2. At no time was I informed via email or some other mechanisms while in the act of transferring funds online that the feature was not working and to call customer service. 

Capital One is not informing their customers about issues with the online transfer of funds and causing unsuspecting consumers to become delinquent. In addition, I feel I have the right to pay off the balance of my line of credit, and if there are technical issues with the ability to do so, Capital One should inform their customer immediately as to how to proceed.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I had a Chase XXXX XXXX credit card from Chase. A few months ago, Chase made a materially adverse change to the credit card 's terms. 

Specifically, Chase limited the number of guests allowed with the XXXX  XXXX airline lounge benefit and also disallowed points earning on the {$300.00} in travel charges each year that normally result in travel credits. 

Under the terms of the agreement, I could refuse to accept these changes - which I did. I called Chase to request that my card type be changed to one without an annual fee and that the annual fee be refunded. 

Despite making this request 4-5 times, the request was not processed. I finally escalated my request to a supervisor and it was processed however the annual fee refunded was pro-rated as of the date the change as made where as, under the terms of the agreement, I was entitled to a full refund of the annual fee.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-04-13
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. (TX)

Sent a dispute to Experian asking for physical evidence of accounts in my file that I have no knowledge of and they ask me for written documentation? HOW AND WHERE DO I GET DOCUMENTATION ON ACCOUNTS I HAVE NEVER SEEN? According to the FCRA, I am allowed to request this information and yet I am denied, asked for information that I need to pull out of thin air. They obviously are shirking their responsibilities and greeting paid by these creditors or just XXXX.
Consumer complaint received 2022-03-30
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. (WI)

I am reporting to have the following accounts attached in this complaint to be removed from my account. They were added there without proper verification and with discrepancies. This goes to show that not much investigation was done and therefor a violation of my FCRA. I already informed bureaus but to no avail.
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I was told I wasn't eligible for any type of loan forgiveness in any manner after having XXXX   in XXXX XXXX and a XXXX XXXX school district for over 25 years. I was offered loan consolidation, which did nothing. I am currently retired and on a fixed income with an upcoming loan payment of over {$1400.00} in XX/XX/2019. This denial occurred approximately 5-6 years ago, after the superintendent of human resources from my school district completed verification of employment, etc., I was denied and told the only program I was eligible for was loan consolidation, which I have done
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was never late payment account was paid off as reflected by my proof. XXXX reported account was current and no past due. However XXXX and TransUnion does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. TransUnion and XXXX are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2022-03-30
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-30
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018 around XXXX XXXX, I went to Capital One bank, branch located at XXXX on XXXX XXXX to make a payment using the ATM machine that they have inside of the bank, so I followed the instruction of the ATM and I put XXXX XXXX dollars ( XXXX ) inside the ATM machine.Soon after I put the money in, the ATM went down, I reported that to one of the bank employees who was walking back and forth inside the bank, so she said to me, I should not have any problem, if the ATM read my card, you just can go home and wait for your statement.I did exactly what she said to me. Two weeks later when I got my statement, I was charged for late fee.So the next day I went to the branch and reported that, they had me putting my name on the paper after a few minutes, somebody called me and she called the card number representative to report the issue. they said to me that, they investigated twice, no money was found, the fact that I did not have any receipt and the only evidence that I still have is the footage, I asked them to check the footage, they denied my request. I had to pay them XXXX XXXX XXXX XXXX dollars ( XXXX ) the full balance, the card was closed and they still charging me. However I have not been used the card for 9 months.
Consumer complaint received 2019-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A CAPITAL ONE ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT 500 DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX  BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, XXXX XXXX
Consumer complaint received 2019-08-31
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. (MO)

The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company XXXX XXXX XXXX XXXX ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.
Consumer complaint received 2023-04-01
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.