davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (PA)

Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Commenity Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Commenity Bank has continued to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 

This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Commenity Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

On XX/XX/21 I wanted to contact Vanderbilt Mortgage back about the information they gave regarding contacting HUD to see if they were able to help me during my hardship due to Covid-19.I am currently 3 month behind since XX/XX/21. I spoke with XXXX XXXX about my situation. I told XXXX my unemployment stopped XXXX XXXX he did not believe me and went to my states unemployment page and told me that it did not stop and it didn't state anywhere on the page. From that point I felt he did not have any empathy towards my situation and basically made me feel I was lying. He continued to talk over me when I told him I have a job interview in a couple of days. XXXX continued to be very rude to me. I asked him his first and last name because I wanted to speak to a supervisor because of his actions. By this point I was livid because I could not believe the way he talked to me and continued ignoring my question about his name telling me he will not answer my question until I answer his.. He finally placed me on hold and no one ever came to the phone. I had to call back to get someone else that did not want to hear about my complaint but only wanted to talk about my balance. No one apologized but I called back again and was able to submit a loss mitigation request on XX/XX/21. During these unprecedented times I have loss my job, loss unemployment and had to deal with my daughter having XXXX. I am a very pleasant person and I have over 20 years of Customer service skills and clearly I was not treated like I should have been treated and this isn't the first time this has happened with this company.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CO)

Hello, I'm contacting this federal agency because what I believe to be mismanagement and lackthereof control of private keys regarding digital asset securities known as 'cryptocurrency transfer accounts '. There was a mismanagement of my personal property of XXXX Hex ( non-security similar to bitcoin ) ; a Erc-20 token on the Ethereum network. Kraken blatantly withheld my funds amounting to roughly XXXX USD at the time of XX/XX/2021. The Hex they have withheld from me is now worth {$8100.00} USD and growing. Kraken is a cryptocurrency exchange ( Owned by Payward Ventures Inc. ). The SEC and FinCEN have stated that digital asset security exchanges that handle virtual currency like bitcoin must be able to prove and provide full control and responsible management of private keys and wallets while transferring and handling of private funds. I sent a ERC-20 token to my Kraken ethereum wallet address that they provided me on my kraken account on 'XXXX ' around XXXX, XX/XX/2021. I have a confirmation transaction address on Ethereum to confirm that the funds were deposited in the eth address kraken assigned me at that time. I was unable to access the funds after being locked out of my kraken account. Soon after, I opened up a support ticket asking Kraken support for a reversal or migration of my XXXX  ERC-20 token funds and to unlock my account. I wanted my XXXX erc-20 tokens to be transferred to my personal eth address instead of the kraken address they provided me. Kraken support told me to fill out a service ticket to send to the Kraken support team for further review around XXXX ( MT ), XX/XX/2021. XXXX from Kraken support followed up on a confirmation of receipt of ticket at XXXX, XX/XX/2021. He said their team was reviewing my case and will get back to me. On XX/XX/XXXX, around XXXX ( MT ) XXXX ( Kraken support ) stated Kraken could not use the private keys to the Ethereum address to send my funds back to me and closed my ticket # XXXX. I went to their kraken  XXXX support page to see if anyone had the same issue, and many users are having the same problem. Some have been waiting months or even years to get a response back from Kraken. I'm in communication with 12 other individuals on a private forum that have had the same situation and their erc-20 tokens withheld from them with the same robotic response.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

I had an account with a communications company for about 3 years, I moved transferred service and continued for a few months. Paid off entire bill ( XX/XX/XXXX. {$44.00} ) everything was then closed. I then applied for a small loan, ( XX/XX/XXXX ) this was then I was told by the bank that I had a debt in collections for {$100.00}. My credit is destroyed, and the biggest problem is that the company, or collection agency NEVER called, or sent any type of notice. All my bills are always paid on time. I would have handled the bill originally when it came. After finding out about this, I called the company and asked them about this. They stated they cant look up anything about this bill because they dont have it anymore, they will however, accept a payment from me!! This has completely destroyed my credit and I am now in dire straits. The collection agency violated the fdcpa by not making ANY TYPE of communication to me about this supposed debt.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Today ( XX/XX/2019 XXXX as of XXXX a debt collection company has called me from various numbers 15 times, today alone. The numbers and times are as followed : >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) x2 ( They called twice from this number in less than a minute ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) x2 ( They called me twice from this number in less than a minute ) >XXXX ( XXXX ) This harassing behavior has been going on for several weeks and has been getting more frequent everyday. 

Yesterday ( XX/XX/2019 ) they called me 16 times, as follows : >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 ) This behavior has been going on since the middle of XX/XX/XXXX. For the first few weeks, they only called a couple times a day, but this week they have been incessantly calling me, as you can see above. This harassing behavior isn't going to get them their money any faster. I will pay it when I can and as of now I just sold the only thing I own that has material value in order to pay rent. This harassing behavior is only causing me more emotional distress than I am already experiencing during this difficult and overwhelming time in my life and it isn't only unfair to me but it is also unfair to the poor souls that have to waste their time harassing me for the collection agency. 

I am unsure who the collection agency is because I can hardly understand the collectors when I am able to answer the phone ( which is rare because they are typically disrupting me at work ). However, I do know that the debt they are trying to collect is my credit card debt from Capital One. Hopefully that and the phone numbers listed above will help you to identify who the collector that is so terribly harassing me is. 

The collector has even called an additional 7 times just in the amount of time is has taken me to type this complain. 
>XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) >XXXX ( XXXX ) That makes 22 calls today alone. 

Thank you for your time. Any help is appreciated because this frequent calling is blatant harassment and is completely inappropriate.
Consumer complaint received 2019-06-20
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: LEXISNEXIS (TX)

XXXXNearly every account on my credit report still have inaccurate, incomplete information regardless of several disputes this year and a phone call today. They always come back accurate/verified and then nothing else happens. Failing to report things as important as opening date, closing date, highest balance, etc. as required to do. When asking who the 3rd party was that was verifying this information, the rep did not know who. From my research it appears to LexisNexis previously and now XXXX. When I look at my LexisNexis Report, the information does NOT match what is on any of my credit reports. The Bankruptcy Court said they do not report to anyone so the data is not coming from there and would be wrong anyway. Are the credit bureaus taking short cuts? *phone call recorded XXXX2019XXXX was a dispute, closed XXXX.19 stating accurate and remains. I found that to NOT be true. Over the last several months there were many, many errors I had to dispute. I did so via the mail, online and on the phone.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Colony Brands, Inc. (AR)

XXXX XXXX, XXXX AND COLONY BRANDS ARE VIOATING ALL CONSUMER PROTECTION LAWS, THE BANKRUPTCY XXXX WAS DELETED FROM XXXX AND WAS RE-INSERTED INTO MY CREDIT FILES WITHOUT 5 DAY NOTICE TO CONSUMER THUS VIOLATING THE F.C.R.A. AND XXXX IS ALLOWING CLONY BRANDS REPORT 4 RETAIL ACCOUNTS LISTED IN INSTALLMENT LOAN SECTION BY CHANGING ACCOUNT TYPE. SEE ATTACHED.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (IN)

I called in on XX/XX/14 which was the XXXX day to make my payment for XXXX. i was advised that the check for my payoff will be backdated to XX/XX/14 and my credit will not be effected due to backdating the payoff. i spoke with sup XXXX ID XXXX today and she advised me that the rep did misinform me and there was nothing chase could do on their end to correct the reporting. had i been advised to make the payment that day i would have. i offered to send in proof of closing from XX/XX/14 with my new car as well as bank statement proving funds were available to make payment on XX/XX/14. i am begging for some assistance as my father is on this loan as well. he is a veteran and this could impact his clearance. this is my first time ever trading in a car so i was unaware as rep should have coaching me to make payment.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (GA)

I called on or around XX/XX/2019 to close out my BestBuy credit card. I did not authorize the closing out of the account. 
I wanted to get a replacement card. Instead my entire account was cancelled. When I called to ask them to send me a new card I was told they would have to replay the recording of the original phone conversation. I made a follow up call after 7 days. When I spoke with them I was told they couldnt pull the original call and therefore would not reinstate my account. This leaves me with no option but to reach out for the help of CFPB.
Consumer complaint received 2024-03-04
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. (MN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681a ( 2 ) ( 3 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by a consumer. 
( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( XXXX ) In accordance with the written instructions of theconsumerto whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

For the purposes of 15 USC 1681b et seq., this Notice has the same effect as a dispute to the validity of the erroneous reports and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires. Furthermore, present your proof and send me copies of my written signature giving consent to this matter please.

The items included herein should all be removed from my consumer report under 15 U.S. Code 1681a ( 2 ) ( 3 ) ( a ) ( i ( 2 ) and 15 U.S Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

15 U.S.C. 1681i and 1681j : These provisions mandate that credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO. (AL)

I purchased a Refrigerator on a store Credit Card. I mistakenly decided that I would use my ability to use cash advance to pay off another credit card to transfer the store card balance to my Chase MC that offered no interest for 12 months. I payed the XXXX " process '' fee. I should have had a red flag then. I have paid on my balance for 6 months now and have no discernable difference in the balance of the transferred to 0 percent APR balance. I called them about this and I have NEVER had such a go around the bush explanation for why this is happening. Once XXXX get 's here I'll be paying major interest on this purchase, more than if I had left it on the store card. This is a sham of a way to get you in a spiral upward issue with interest on one 's Credit Card. 

I am at this point just going to pay all but XXXX of the balance and be done with this completely by XXXX and not use the Chase card again, even for my Amazon XXXX unless I can pay off within the month. I certainly will NEVER use a convenience check/cash advance on this card. 

This type of usury should be outlawed, or the CFPB do something about. This is akin to payday loans.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GreenSky, LLC (TX)

On XX/XX/18 we purchased a water softener system with local company that offered interest free for 6months a payments of {$35.00} for 3 years at 9.9 %. Supposedly on their home improvement card that turned out to be a regular credit card. The company sent a copy only after the unit was installed but I was shown an XXXX disclosure stating the terms. The purchase was {$3600.00}. It states that the finance charge will be {$3600.00}. Thats very close to 50 %. The term was NOT 3 years it was 12 years and the finance charge is the same amount as the purchase with total payments being {$8600.00} for a water softener. Very close to the amount of the purchase. The payments were not {$35.00}. There were laddered payments going up to {$60.00} until XX/XX/XXXX. 

We made minimum payments of {$35.00} during interest free period. When we received the statement after the 6 month period we were surprised to see that the amount owed went up not down. I called I was first told I didnt understand. My wife is a retired banker who is over XX/XX/XXXX. When the sales person found that out he arranged to put the transaction in my name. I would not have agreed to the terms if fully disclosed per regulations. My wife was present to see the approval. We received the full disclosures only AFTER the unit was installed. Turns out Greensky is a front for XXXXXX/XX/XXXX, an XX/XX/XXXX XXXX XXXX subject to federal lending regulations. 

14 months later the amount owed has gone down {$5.00}. I sent an email to customer service to Greensky customer support and requested an explanation of exactly how they were calculating the interest. I received a phone call saying they were happy to talk about it but they were not allowed to answer anything in writing. 

More recently I sent an electronic payment showing it was received the same day it was sent. They processed it for 7 days and then charged me a late fee requesting two payments. 

This company is not disclosing per regulations. It is cheating seniors and new home owners. The correct interest rate being charged is not 9.9 % for 3 year term. The idea that this term was changed to 12 years with altered payments by the time any written disclosure was issued is scary for any consumer. I urge you to take action. We would never apply to some undisclosed out of state bank disguising its subprime lending under a Greensky consumer finance company. I will be happy to send any documents requested.
Consumer complaint received 2019-06-21
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. (TX)

I HAVE NOTIFIED THE DIFFERENT CREDIT BUREAUS THAT MY SOCIAL SECURITY NUMBER HAS BEEN USED BY OTHER PERSON, USING MY CREDIT AS THEY WANT, THEY FAIL TO VERIFY IDENTITY AND I AM HAVING BAD REPUTATION, FOR THINGS I DO NOT EVEN OWN. I HAVE PLACE A POLICE REPORT, THIS PERSON REPORTS DIFFERENT NAMES, ADDRESS WHERE I HAVE NEVER LIVED AND HAS BAD DEBT, ALL UNDER MY SOCIAL SECURITY NUMBER. THE CREDIT BUREAU AGENCIES HAVE FAILED TO PROTECT MY WELL BEING, AND DUE TO THIS I BEEN HARRASSED, SEND TO COLLECTIONS, DENIED CREDIT. THIS PERSON HAS A MORTGAGE, CARS LOANS, DEBTS IN BANKS BUT I DO NOT HAVE ANY OF THIS.
Consumer complaint received 2019-06-21
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. (TX)

I HAVE NOTIFIED THE DIFFERENT CREDIT BUREAUS THAT MY SOCIAL SECURITY NUMBER HAS BEEN USED BY OTHER PERSON, USING MY CREDIT AS THEY WANT, THEY FAIL TO VERIFY IDENTITY AND I AM HAVING BAD REPUTATION, FOR THINGS I DO NOT EVEN OWN. I HAVE PLACE A POLICE REPORT, THIS PERSON REPORTS DIFFERENT NAMES, ADDRESS WHERE I HAVE NEVER LIVED AND HAS BAD DEBT, ALL UNDER MY SOCIAL SECURITY NUMBER. THE CREDIT BUREAU AGENCIES HAVE FAILED TO PROTECT MY WELL BEING, AND DUE TO THIS I BEEN HARRASSED, SEND TO COLLECTIONS, DENIED CREDIT. THIS PERSON HAS A MORTGAGE, CARS LOANS, DEBTS IN BANKS BUT I DO NOT HAVE ANY OF THIS.