davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (PA)

Equifax XXXX and XXXX furnished information on my consumer report without my prior written consent. This is a violation of my consumer rights pursuant to 15 USC 1681b. You can not furnish information without the consent of a consumer. they willingly did so. I did not consent nor benefit from the following accounts. I have already notified the federal trade commission. 

XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-11
Product: Credit 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: SYNCHRONY FINANCIAL (TX)

After submitting a claim again for canceling a charge for defective goods I returned to retailer ( using their prepaid shipping label ), my claim was approved by card issuer. The retailer then refunded half the money to my account for the returned goods. Then the retailer submitted a new transaction for the full amount of the charge for goods that they still possessed. I am getting charged for merchandise that the retailer has. A dispute was filed again to the lender but no decision was ever even sent to me. I have requested any data related to this case to be sent to me so that I can file a lawsuit, but the lender has not provided me with any documentation for this case. The last time I called the lender just stated that I should be receiving a letter in a couple of days but none has ever arrived. The lender was not able to even give a decision to the case over the phone, but I am receiving notices of past due amounts. The last time I tried contact lender the person that answer was just silent the entire time and then hung up without saying a word.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (IL)

I experienced a technical difficulty with linking my new credit card ( Mastercard ) with my existing Victorias Secret Account. When attempting to link the new card to this account, I was asked for identifying information including the card number and the last XXXX digits of my social security number but received an error after submitting this information. The only data regarding my account that I was ever able to view was a XXXX balance that displayed on my home account screen dashboard. 

Because of the difficulty with linking my new card and accessing my true balance information, I was effectively unable to view or make payments on the account. I now understand, from speaking with a support agent, that there is in fact a separate website login for MasterCards that were issued to members. The agent had to manually provide the new address to me, as this was not clearly explained to me anytime before this point. I find this process complicated and cumbersome and believe that I should not be held liable for system inefficiencies leading to my inability to see or pay my balance. 

I would like to request that an AUD be filed to remove the delinquencies that arose from this technical issue. I had hoped to resolve this issue directly with the vendor, but was instructed to submit my request in writing ; again, a cumbersome process for an issue that was not my fault.
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resource Management Group (GA)

First, I received a call from RMG ( resource management group ) about a medical bill from XX/XX/2012, from XXXX XXXX. I was not notified about this bill at all via mail or email. I did not know who they were, so I told the rep to send me more information, and she did via email while I was on the phone with her. I hung up on her because I did not know RMG, and they kept calling. 

I decided to call Dekalb Medical, now XXXX, about this debt. I called the finance department, and they said that they see something but could not give me more information as the case was too old for their current system. I also mention RMG giving me call but they said they never heard of them and I spoke to two different reps.They gave me a name and number that they handed the case to, XXXX XXXX XXXX. I called them, and they said that they did, in fact, had a debt that I owe even though I was XXXX years old at the time and was under my father 's insurance. The rep said that I had to pay not to affect my score or turn into a lien. I was not advised that I could make a payment plan or dispute it. So I paid for it, and now my parents said that I should have insurance and that they register me as self-pay at the time. 

I do not want this on my credit, and I want to dispute it, especially since I never received a letter in the mail or anything like that, and it was back in 2012 past the limitation. I would want copies of them taking this off my credit. 

I am still getting calls from RMG.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I sent a Cease and Desist letter to Portfolio Recovery Associates because they continuously call my cell phone when I am at work. I have attempted to block their numbers but they have many different numbers from multiple states and they just call from other numbers. This is for debts that are past statute. I disputed them with the Credit Reporting Bureaus and had them removed from my Credit Report. The Cease and Desist letter was dated XX/XX/2018. It was sent certified mail. The return receipt was signed and dated XX/XX/2018. I received letters from Portfolio Recovery Associates dated XX/XX/2018, stating they were closing my accounts. I have continued to receive phone calls from them, the most recent just a few minutes ago from a new number I haven't seen before and once again at work.
Consumer complaint received 2022-08-27
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: AMERICAN EXPRESS COMPANY (AZ)

in accordance with the fair credit reporting act 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 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted XXXX ) XXXX XXXX dated XX/XX/XXXX XXXX ) XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted XXXX ) Capital One dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX ) XXXX XXXX dated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Companies are put in falsified information on my credit report and it is destroying my credit score also school loans that is on my credit report that does not belong to me I have tried to dispute the several times and also fraudulent items I have disputed on my credit report that dont belong to me also my report is being used on a XXXX webpage that I have no knowledge of I also have disputed that and its still not getting nowhere
Consumer complaint received 2023-07-31
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. (IN)

I am submitting this complaint for these two bureaus to remove the unauthorized inquiries that do not and never belonged to me! 

XXXX : XXXXXXXX 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 Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

This company is reporting me to credit burros with out letting me know of the supposed debt I never received notification or authorize any of this charges believe if I knew it was gon na be XXXX dollars I wouldn't allow it second I never authorize for the debt to be sold to them to my knowledge is ilegal
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: EQUIFAX, INC. (TX)

Equifax is reporting the same account from XXXX XXXX XXXX twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. Equifax added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as Equifax states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

When making an additional payment online for my principal Quicken loans took another additional regular payment out of my bank for {$2000.00}. My mortgage is up to date and there was no need for an additional payment. It has caused charges against my bank account and they refused to pay. XXXX XXXX was the " executive Customer Service Agent ''
Consumer complaint received 2022-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act, CAPITAL ONE AUTO FINANCE has Violated my rights. 15 U.S.C. 1681, Sec 602A States I have the right to my privacy. 15 U.S.C. 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

It is Bank of America. I paid of outstanding balance and they charged me interest the next month. I called to no avail. Bank of America 's website and my statement states if you pay off balance, you will not be charged interest. 

Attached is the letter I sent. I have heard nothing back. 

Thanks XXXX XXXX
Consumer complaint received 2022-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (TX)

Central Portfolio Control is the debt collector for XXXX XXXX XXXX. I recently refiled a dispute with XXXX because the collection agency said it was the correct information. The first late payment was reported in XXXX. I did not go to any hospital in XXXX and I believe it is fraud or theft on behalf of my identity. The amount is for {$6600.00}. The account was opened on XX/XX/XXXX and is 2 months old but a representative of XXXX said the first late payment was reported in XXXX. I have not received any documentation on this issue from the creditor but it is on my credit report. That is how i found out about it through an additional credit report website.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

I opened a cashApp account to get payment from my renter in Illinois. I gave them my bank debit card info so the money will go directly into my bank account. Received a payment of {$700.00} into my cashApp account but the cashApp will not deposit into my bank account but instead wants me to open a credit card account to access my money. My contact with cashApp left me with no results because their biometrics can not verify me through a picture of my drivers license because I grew a mustache. They didn't require that, when XXXX setup the account and I am XXXX XXXX XXXX with a physical XXXX and they are holding my money with no recourse. I have lived at the same address for over 30 years and have excellent credit. I suspect they are holding the money to gain interest on my money. Need help.
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

On XX/XX/2023 XXXX XXXX XXXX requested that PRMG disclose the information to the bank issuing the certificates of indebtedness. 
On XX/XX/2023 PRMG responded by disclosing the information. PRMG disclosed that XXXX XXXX was the loan owner. 
On XX/XX/2023 PRMG sent notice of Servicing Transfer. 
On XX/XX/2023 I, XXXX XXXX sent PRMG notice, that I did not consent to the transfer and I requested that the Credit Balance be applied to the Consumer Account. 

PRMG has sold the loan to XXXX XXXX  without my approval or consent. I do not waive my rights nor have I waived my rights under 1002.2 Paragraph 2 ( c ) ( 2 ) ( ii ). Nor do I waive my rights to a Servicing Transfer. PRMG is in default, PRMG has sold the loan without my approval.
Consumer complaint received 2023-07-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-08-27
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. (MD)

In accordance with the fair credit reporting act, 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 an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-27
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. (GA)

Hello I did a investigation into my credit report and found that there were inaccuracies on my credit report. 

======================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions ==================================================================================================== Account Name : XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions ===================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions ======================================================================================================= XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 ==================================================================================================== XXXX XXXX  In accordance with the Fair Credit Reporting act, XXXX Account # 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 =============================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2018-11-07
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. (MO)

Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.
Consumer complaint received 2022-08-27
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. (MD)

In accordance with the fair credit reporting act, 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 an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (AR)

I applied for an HSBC Premier Checking account on XX/XX/XXXX under a promotional offer whereby HSBC Bank promised to pay a welcome bonus for completing direct deposits. They are refusing to pay the bonus because they say I didn't apply by following a link that would make my account eligible. This is not true. I have followed all terms and conditions and the bank refuses to pay the bonus. See attached terms of the bonus offer.
Consumer complaint received 2023-07-31
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. (FL)

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX A Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-08
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.