davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was sent a very professional looking letter via US mail dated XX/XX/2019 from Saks Fifth Avenue stating I had been denied approval of a credit card for which I did not apply for. It offers a number ( XXXX ) to get details on the denial and when I called it is just a message stating to leave name, number and social security number. I ended the call and did not leave my information, but I'm certain others are getting this same letter and unknowingly offering criminals their private information.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

company is fully aware this is identity fraud, but are refusing to remove erroneous debt. They are trying to extort me to pay a debt I don't owe. Moreover, they are still using harassing calls and intimidation to force me to pay a debt I do not owe. In addition, they were force to remove previously and replaced it back on my profile.
Consumer complaint received 2017-07-23
Product: Credit card or prepaid card — Store credit card
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In early in XXXX, I received a call from Kohls collections letting me know that I had an overdue payment due. I told the representative that I was surprised to hear this and I must have overlooked something. I have a perfect payment history with Kohls and all other creditors. I asked the woman on the phone that if I made a payment on that day, would it be reported to my credit score? She verified with a supervisor that as long as I made the payment on that day, it would not be reported to my credit score. I was relieved to hear this and gladly made the payment. When I checked my credit score a month later, I was shocked to see that Kohls had indeed reported it as a delinquent payment. I immediately called Kohls and spoke to another representative. I explained the situation and how the first rep assured me it wouldnt be reported. She then also checked with her supervisor and said that they would redact the negative credit report. I was relieved to hear this and was pleased Kohls was honoring what the first rep told me. Today, I received a letter in the mail telling me that they have decided not to honor what either rep told me and the negative credit reporting would stick. I immediately called in and spoke to a supervisor named XXXX and told him the story. He then says to me, Maam you know this is recorded call right? Well we have you on recording admitting that you missed a payment My complaint is this : I was lied to by the first representative when she said it wouldnt be reported to my credit. Then I was lied to AGAIN when I was told that it would redacted. But worst of all, your supervisor XXXX THREATENED me by saying you have on recording that I said I know I missed a payment. This is disgusting and insulting to a Consumer. My issue is not with your credit reporting practices. I understand the need for that to be consistent. However, it is deceptive to the customer to have representatives lie or provide false information to them. On the second call, the rep could have easily let me know there was a decision making process and I could expect to receive a decision in the mail.
Consumer complaint received 2019-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

Navient has been harassing me daily calling me at my workplace where I am not allowed to take personal calls risking my job. They have also called people who I have no relationship to or know and giving them my information for them to get in contact with me. When I was spoke to the representative at navient he was very rude and told me I needed to be man and step up. I told him I had made arrangements and they said they had no record of this. I told them what I could pay and he continued to give me and attitude and said he would keep calling until they got what they wanted and did not want to accept what I would pay and hung up the phone on me after I told them to stop calling my job and reference 's who I did not give to them. They have been calling randomly non stop from random unknown numbers from all over the country and calling and all times of the night and early morning. This harassment is out of control and they are jeopardizing my job by continuing to call job as well as ruining my name here at work. I would please like this to stop
Consumer complaint received 2019-07-19
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. (VA)

XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with Experian and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXXXX XXXX
Consumer complaint received 2019-07-19
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: CITIBANK, N.A. (NC)

Dear CFBP I am filing a complaint against Citi Cards for failing to remove an unauthorized inquiry on my XXXX credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. 


Thanks for you help in this matter, XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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: NAVY FEDERAL CREDIT UNION (SC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Hi, I have a problem with Equifax that has been going on for over a year now. Equifax do not report me. I have been a lawful permanent resident of the USA since XX/XX/XXXX, and they have never reported me since that time ( unlike XXXX and XXXX ). At first I was told that Equifax have stricter guidelines than XXXX and XXXX, so I patiently waited. But at some point last year I called them to find out what needs to be done so that they could start reporting me, and after I declined using their paid services to see my reports ( because I am a customer of XXXX and very happy with them ) they said that there was an issue with my identity verification. So on XXXX I sent all the documents to their dispute department to prove my identity, and received a response that they still can not verify that! Their reason was that my social security card has a note saying that for employment purposes I can use my SSN only with the employment authorization card. Again, after millions of calls and unsuccessful attempts to resolve the matter with them, on XXXX I sent another fax to dispute department, explaining to them that my social security number is real and that my SSN card was issued before the green card, that is why it has a note on it. Because again the employment authorization card was issued earlier than the green card itself ( because the green card allows you to work, but if you are legally in the country but your green card was not processed yet, the government sends you the employment authorization card so that you can find a job ). Anyways, I tried to explain all that to them and requested a free annual credit report. I called them a week after and talked to a supervisor in the dispute department. I was told I need to wait for 10 to 12 days. I did, and have just now pulled our my credit scores, and Equifax does not report me, and I never got that free report I requested.. I don't think I can win this battle fighting with Equifax directly, because all they do, even when you answer all the questions for identity verification, send them all the possible documents, is try to push their paid services of your credit score monitoring. This is very upsetting and it very negatively affects my life. I would be very grateful if you could help me resolve the situation. Thank you.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Equifax never provided me with contracts for fraudulent Student loans taken out in my name online so I filed a bankruptcy because I refuse to pay for something I never applied for. Now Im paying for student loans as though I applied, I told the attorneys I did not apply for student loans and with the bankruptcy Equifax is still reporting these loans on my credit report and other accounts that are included and have been denied through the bankruptcy.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (OH)

I recently applied for a car loan, and was denied due to a credit information and score provided by XXXX XXXX XXXX. This company is reporting scores on average of 100+ points below the 3 major credit reporting agencies which is resulting in my being denied for credit when my scores are medium with a good pay history on a auto loan for 2 years. First, I have never heard of this compsny and the documentation asked to provide my free credit report is basically giving them all of my personal and pertinent data. Listed below is the documentation that is asked for in order to receive my credit score : legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. 

If your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. 
If you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. 
Category 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current  mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. 

I would like to know is this company approved by the CFPB as a legitimate reportjng agency? Is there a way to block this company from providing data to lenders? 

Thank you
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I contacted Chase again about either stopping all contact with me or about a mortgage. I spoke to XXXX who transferred my call to their XXXX dept. The XXXX dept refused to accommodate my XXXX and transferred my call to their abuse line because I had asked to be accommodated as a XXXX person.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I just turned XXXX last month.In an effort to and monitor my credit and protect it. I have been subjected to apparent ID Theft. I have contacted each collection who tries to collect this particular account with XXXX XXXX XXXX and each time the item is removed and then placed on my credit by another collection Co. Because XXXX XXXX XXXX is passing the collection on to various collection agencies. My plans are two file suit immediately. My personal information is being sold and passed along to various companies making the risk even greater for my ID Theft.
Consumer complaint received 2017-07-23
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: Bread Financial Holdings, Inc. (CA)

I got a recent latter from Comenity Capital Bank c/o PayPal Credit so I received the later XX/XX/2017 that  I XXXX XXXX recently requested to open a PayPal account. Our records show that I requested to open an account or make a purchase using PayPal Credit payment on XX/XX/2017 so ... This is fraud and hucking my account ... I do n't open any account in this day or nor have a PayPal Credit Card ... That day this state that I am opening an account is not true due to we are on Vacation and not intending to have a reason to have a new credit card or PayPal. So XX/XX/2017 at around XXXX XXXX I contact the Company Comenity Capital Bank c/o PayPal so the costumer service put me on hold for few minutes and gave me to another costumer service who just ask about my complain and said nothing regarding how to resolve or help me but instead after I gave my reference number just said nothing and hang the phone so when I am trying to call again nobody is answering ... Be ware to this kind of Bank to all who sees my letter ... hope to hear from your answer ... Thanks XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (DE)

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
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

I authorized PNC Bank via Online Banking Pay Bills to issue a check XX/XX/2019 to XXXX XXXX for a maintenance fee. The check never reached the payee and was cashed at XXXX XXXX  on XX/XX/19 with an endorsement " XXXX XXXX XXXX '' on the back. I reported these facts to XXXX XXXX, Manager of the XXXX branch of PNC Bank on XX/XX/19 and after signing a notarized affidavit was assured the money would be replaced in my account within the week. On XX/XX/19, I received a request for the payee to sign an affidavit which he did. After many calls to the Fraud office of PNC, reassurances by multiple PNC Branch managers, the answer is " XXXX refuses to reimburse PNC. '' And until that happens, I will not get reimbursed for their mistake. In addition to the stress and aggravation, late charges are accruing. In addition to the possible adverse effect on my credit rating, if this was a mortgage payment or insurance payment, more serious consequences could occur. I think the public should be made aware of the careless handling of our money. 
I am appealing to your office to investigate this matter as it does not show signs of being resolved.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-02
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX  Balance : {$1000.00} ; If Equifax feels there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I bought an airplane ticket for a friend of mine with my Chase credit card in XX/XX/XXXX. The flight was cancelled due to the pandemic. In XX/XX/XXXX I cancelled that credit card account. According to XXXX XXXX the ticket was refunded to Chase one year later on XX/XX/XXXX. 
I contacted the Chase Credit card and they said because my credit card account was cancelled they returned the money to XXXX XXXX on XX/XX/XXXX, XXXX.However, XXXX XXXX  said they never received the the money back. Here are my questions : 1. Why did Chase not issue a refund check on my name? Or, why they did not apply the refund to one of my another credit cards I have with them? 

2. Where is my money? According to the latest email received from XXXX XXXX the refund never got back from Chase credit Cards to them.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit 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 (NY)

I had an Amazon charge card, and purchased several items with it and paid for all items. Amazon made an unauthorized charge to the card pertaining to a purchase that was made ; Amazon charged me twice for an item. I told the finance company the charge was not valid, yet Synchrony financial refuses to remove the charge. The amount in dispute is XXXX Synchrony has increased the amount to over 700 dollars. I demanded Synchrony provide proof of authorization for the charge and they ignored me.
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (LA)

ate opened : XX/XX/2019 amount : {$710.00} violations : 1 ) fair Debt collection Practices Act : Section 802 ( a ) 15 U.S.C. 1692. Using Abusive debt collection practices. called to collect a debt by refusing to tell me what the call was about until i told them my social security number.

2 ) 15 U.S.C. 1692g Section 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). this company never provided me with any validation of debt.

3 ) 15 U.S.C. 1692g section 809 ( c ) this company had attributed my name and my social with fraudulent debts 4 ) section 812 ( a ) ( b ) debt bought and moved from creditor to creditors without my knowledge and my written signature.

5 ) fair credit reporting act Section 609 ( a ) ( 1 ) and section 611 ( a ) ( 1 ) ( A ) the law requires a physical verification of the original signed consumer-contract on all acounts posted on my credit report.
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (GA)

My servicer is Ditech Financial LLC. I received Trial Period Plan for a mortgage modification XX/XX/XXXX with this company. I made all three of the payments as required for XXXX- XXXX, XXXX and XXXX. I was suppose to receive a permanent modification in XX/XX/XXXX. When I did not receive said documents at the conclusion of my trial payments, I called Ditech and spoke with a representative to inform them of the situation. The representative told me she would have another copy sent out to me. It is now, XX/XX/XXXX and I did not receive the documents. I called Ditech today, this morning and spoke with a represented named XXXX extension XXXX and informed her of my situation of no permanent modification documents. XXXX told me she would have another copy sent out again. I am seeking CFPB assistance in this matter, because even though I believe XXXX will do her job, the previous representative at Ditech told me the same thing and nothing happened. In fact, XXXX informed me that the last communication in my file was that the document were delivered back in XXXX ; and no new copy was requested or sent out. I already informed the first Ditech representative that I did not receive this package and that was why I was calling her for another one. However, that conversation I had with the first Ditech representative was not noted in my file and this worries me. It is as if Ditech is refusing to send me my modification documents if they would erase the conversation I had with the representative stating I did not receive them. Why would they erase the call? This behavior worries me.