davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

For the last XXXX or XXXX months in a daily basis I get phone calls from Portfolio Recovery from many different phone numbers. Some times I get as many as XXXX calls in one day. Today I answered and had the same conversation as I have had on two other occasions. After being ran through a million questions for them to verify who they called they inform me that they recieved my payment for the month. They then review my balance which I am well aware of. They then proceed to tell me they are going to continue to call me day after day because they don't have my bank card or bank information on file so I don't have a payment arrangement. They then tell me my payment due date and the amount of my payment which they already get every month by check or money order. I am not required by law to give them my bank information and I told them I don't have a bank account. They asked for a prepaid card. I don't have that either. Why are they being allowed to harass me when I am sending the payments??
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX for the month of XX/XX/2023 be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have repeatedly told XXXX XXXX XXXX ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. XXXX XXXX XXXX calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IN)

date -- XXXX amount -- - {$3000.00} actions taken -- -Wells Fargo was notified XXXX was notified -- they sent me the fraud alert email FTC notified CFPB notified XXXX froze my accounts
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (VA)

This complaint is in reference to my Lowes card financed by Synchrony bank. I called Synchrony bank on XX/XX/2021 due to a statement received. I was informed by there customer service that my account has been automatically enrolled by Synchrony in paperless billing by Synchrony. This was unauthorized by me and I was not notified of the change of billing nor were I given options to decline this service. The phone representative informed me that I was notified by email which was not received or read by my self. This is an unauthorized sales/service practice by Synchrony bank, in which they are forcing customers to electronic services with out the customers permission or knowledge. I was advised by phone that Synchrony will not provide documented proof that this Illegal activity will not negatively effect my account, Credit reporting and that interest and fees will continue to accrue on this account. This activity is Synchrony Bank 's way of obtaining additional interest income and fees from its customers and negatively affecting there customers credit and should be dealt with sever punishment. Other US banks have been through multi million dollar law suits due to Unauthorized sales and service practices and here we go again with Synchrony. I am asking for you to levy a {$400.00} executive order against Synchrony bank that is payable to me for this illegal activity to me. Further more, Synchrony bank should not be allowed to charge fees and interest on this or report any negative credit reporting. My {$400.00} complementation request is only valid for the month of XX/XX/2021. I am currently seeking a Mortgage on a home and if any negative reporting is sent to the credit bureaus about my account with Synchrony I will be obligated to increase my compensation request to {$400000.00} to {>= $1,000,000} depending on my lenders review of the updated credit reporting.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DISCOVERBANK with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

On XX/XX/22 a payoff letter was sent to me from Carrington Mortgage Services. On XX/XX/22 my Bank sent an official check to Carrington to payoff the mortgage. An additional {$37.00} was added to the payoff figure from Carrington since they were going to receive it after XX/XX/22. 
The payoff check from my bank was processed as monthly payments and not a payoff.
Consumer complaint received 2021-05-26
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: SYNCHRONY FINANCIAL (IN)

I've been an upstanding JCPenney customer for years with a credit limit of {$700.00} and I've always paid my bill on time and my purchases have always stayed at XXXX XXXX of my limit or less. I just found out that they reduced my limit from XXXX to XXXX because my credit score dropped due to an inquiry. They are the only one of my merchants to do this and I have an excellent record for paying all of my bills on time. I called JCPenney to discuss this and I even spoke to a manager but they said there was nothing they could do.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/2015 {$770.00} dollars I rarely check my credit score and I happen to do so as of late and I noticed a derogatory mark on an account I am not familiar with. just wanted some help
Consumer complaint received 2021-04-05
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. (SC)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment on it. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.
Consumer complaint received 2020-07-22
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (SC)

In XX/XX/2017, I opened a secured credit card with Citicards for the amount of {$200.00}. Shortly after the account was closed. I do not understand why Citicards continues to show a balance on my credit report for {$250.00}. I've disputed this account numerous times with all agencies. They are suppose to take the secured funds to pay off the balance, but as my credit report shows it looks like this hasn't been done and the amount showing is more than the secured amount.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (ID)

Hunter Warfield is reporting a debt from a property management company for excessive debt to credit agencies. They claim I owe {$8000.00} dollars, but I was never notified of this debt, never received any billing or notice of the debt before two days ago when I did a credit check on myself to see what my score was. I told the person I talked to over the phone today that I wanted to dispute the debt and that my wife XXXX XXXX XXXX isn't being effected by this or had any knowledge of the debt either. They then told me over the phone that they intended on suing me and were taking the steps to do so as of the XXXX of last month. I pulled my own credit to find out about this false debt and was threatened. 
The court case was mediated and we came to an agreement and not once did anyone inform me I was to pay anything considering we all agreed to part ways and that was it and the court case for the agreement was dismissed outright. The agreement was made in court to just leave the residence with my wife. We did that with no issues, we didn't damage anything we didn't take anything from them, we agreed to the terms to leave and we did just that. Not once did the judge say anything about paying them this horrendous amount, the mediator didn't mention anything about paying XXXX over what my rent was ands they didn't ask for anything in court. They are reporting a debt that isn't real and i was never informed of before two days ago, it's excessive, they have threatened to sue me now and I've attached the court order and court minutes along with copies of the receipts from paying in person with my wife 's name on them to.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.
Consumer complaint received 2020-07-22
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. (NY)

XXXX XXXXXXXX Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, equifax, XXXX and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (FL)

In cfpb Complaint No. # XXXX, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, I sent the plaintiff and requested for " VALIDATION '' of debt. They refused to send in anything but summary of the said account by the CITIBank. Yet, per the court case ( # XXXX, Attached copies ), I have been summoned to appear in court. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been 90 days today I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-10-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FMA Alliance, Ltd. (NJ)

Dear Madam/ Sir, CFPB : This matter is in regards to a loan that was purchased on/or about 4 to 5 months ago to pay most of my medical coopayments that are not covered by my insurance company. And Also medications need it, for me, in and out of the counter. Also to pay some of my car payments and also to pay my rent. This debt collector is calling me day and night harrasing me and thretening me to pay the loan. Do to my XXXX and do to the Covic 19, rules and regulations. I dicide it to settle the loan, in {$1.00}, that is as much as I can pay, .I cant pay any more. This debt collector is abusive in language. And this is against the consumer protection laws. Thank you. Respectfully yours : XXXX.
Consumer complaint received 2021-07-17
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX Acc # XXXX {$16000.00}, XXXX XXXX Acc # XXXX {$660.00}, SYNCB / Car Care XXXX I Acc # XXXX {$470.00}, SYNCB / XXXX Acc # XXXX {$500.00}, SYNCB / Old Navy Acc # XXXX {$350.00}, SYNCB /Waltmart Acc # XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one bank had promotion for opening a new saving account during XXXX. They advertised that getting a new account bonus {$500.00} for depositing {$50000.00} or more of external funds within 15 days of account opening and maintain {$50000.00} or more in your account for at least 90 days. I opened that account on XX/XX/XXXX and transferred fund XXXX from my external XXXX  account on XX/XX/XXXX. I kept fund ( which above XXXX ) till XX/XX/XXXX ( which is over 90 days ). However, I only received XXXX XXXX  bonus on XX/XX/XXXX ( which is the lower tier of the promotion ). Then I called customer service on XX/XX/XXXX. The customer service told me that the reason why I could not get the {$500.00} bonus is that in Capital one term the 90 days starts after the 15 days opening period is over. For example, I opened the account on XX/XX/XXXX, the 90 days period started on XX/XX/XXXX. This does not make sense to me because there are only two requirement on its promotion : 1 ) putting fund into the new account in 15 days after the account is opened. ( I met ) 2 ) keeping the balance at least 90 days ( I met ). The promotion never mentioned that starting date of 90 days period starts the XXXX day after the account opening date. Even though the customer service apologized to me and agreed that this does not make sense, she could not do anything due to capital one system setup. I think this is false advertisement which mislead customer.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NM)

At the end of XXXX, 2021, two unauthorized, unidentified charges were made on my Chime bank account. In early XXXX, the moment I saw them I reported them as unauthorized and disputed them. Chime 's customer service stated it verified the charges as accurate and refuses to credit them. 
I requested documentation that was used to reach their decision. The " documentation '' provided to me was essentially nothing ; they only gave me a document from their own internal system, saying, " POSSESSED CARD AT TIME OF PURCHASE : YES UNAUTHORIZED CARD HOLDER PIN LOCATION : NOWHERE '' They have refused to comment further, despite my many, many repeat attempts to discuss this " document '' with them. The document simply says that it was not a POS transaction ; it was an ACH type of debit transaction made from my account. They are suggesting that the fact that it was an ACH type of charge is proof against my dispute, and that makes no sense. 


These charges were not authorized whatsoever by me, and I am requesting they be reversed and credited as required.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (CA)

I am a consumer and natural person. I have sent out a Cease and Desist to Dynamic Recovery Solutions LLC XX/XX/2022, they received this correspondence XX/XX/2022. They have not acknowledged nor sent me any information to validate this alleged debt. They have continued to call me without my consent, after receiving said correspondence in attempt to illegally collect this alleged debt.
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (TX)

I disputed the XXXX XXXX with equifax waited 30 days never got a response in the mail I called equifax on the phone spoke with the repsentative would not give me information on dispute told me i got a response in the mail online my credit reports customer dispute .. but there is no action taken if the account was verified or not its XX/XX/XXXX no answer .. I also disputed XXXX XXXX  and with a 609 letter waiting to see proof that the account belongs to me i never got a responed i sent in information in XXXX XXXX and i was suppose to get a a disputed response by XX/XX/XXXX no response in the mail the loan company XXXX XXXX is a fraud account i never open or signed for i also tried to get in touch with possible finance and i cant get through to them