davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

We signed up for a plan with XXXX phones with XXXX, as offered by a XXXX salesman . One of the phones did not work upon arrival, and the other never worked properly. The first phone was returned but we never received a replacement, even though they continued charging us. We were also told that the terms of the plan as described be salesman were not accurate. After weeks more of phones calls and broken promises, we began asking how we might terminate the contract. Finally, an associate, on a recorded line, agreed to terminate the plan with no further charges so long as we returned the second phone, which we did. We received a partial refund, for the phones and some for the phone line we were never able to use because we never had onXXXX of the phones. Later, XXXX began trying to recover the funds ( over {$200.00} ) through my husband 's credit card company, XXXX. They lost multiple disputes. After they lost one, they tried to reapply the charge as a " recurring charge '' even though the account had been terminated ; the credit card company again sided with us. He was also able to recover a bit more money in the process by disputing the older XXXX charges with XXXX. Now they are pursuing this through a collections agency.
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXXXXXXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX 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 2020-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I called XXXX XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th
Consumer complaint received 2018-02-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Critical Resolution Mediation LLC (IN)

Company illegally accessed the records of XXXX XXXX and subsequently illegally pursued collection activities against him. Company charged an additional {$24.00} in fees and then debited the bank account of XXXX XXXX for a total of {$300.00}. XXXX XXXX became aware of this fraudulent action on XX/XX/2017 and contacted company. Company insisted they had the right to collection on the account, having never provided the FDCPA requirement of a letter within 5 days of calling the debtor ( nor at any time thereafter ), that XXXX XXXX had agreed to payment in writing and they would debit the account based on that. XXXX XXXX was unaware of his rights or options until the TRUE legal owner of the debt, XXXX   XXXX XXXX reviewed the matter and educated him. DEMAND was made to Critical Resolution Mediation to refund XXXX XXXX in the full amount of {$300.00} so that he could pay the legal owner of the account the lesser amount of {$130.00}. Company failed to respond to all demand letters, therefore this is step one in a series to start the process of GOVERNMENTAL ACTION AGAINST THE COMPANY. 

There are NUMEROUS complaints against this company on file through the XXXX  and other websites. CRITICAL RESOLUTION MEDIATION MUST BE STOPPED!
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (AL)

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

I am also a victim of identity theft in 2020 and a victim of identity theft in 2020.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (OK)

Application Reference Number : XXXX On XX/XX/2021 I walked into a XXXX XXXX XXXX  located in XXXX, Oklahoma and applied for a JC Penny credit card at the counter. The Sales person was instructed to call somewhere and get further verification. I was handed the phone and gave all information pertaining to the application. I was then told that further review was needed and it would be 7 days before a decision would be made. 

I would agree with this process if " all '' who applied went through the same experience. But, this is not the case. I know other JC Penny customers how had no issues and were approved at the time of purchase. My complaint hinges on the fact that I feel Discriminated against. I understand everyone carries a unique credit history but I also know my credit history is just as good or better than those who have no problems getting a JC Penny credit card. 

On XX/XX/2021, I called to follow up on my credit approval status and after many calls I finally spoke to a Synchrony Bank supervisor in the Account Specialist Dept. named XXXX ( XXXX ID XXXX ). I politely conveyed my feelings about being singled out and just wanted to inquire as to why? XXXX just kept repeating that it would take seven days for review and there was nothing else she could offer me. I just wanted to learn why and what problems existed to subside any feelings of discrimination. 

My complaint is that a JC Penny credit approval process should not take 7 days to complete. Not in today 's real-time processing environment. If indeed, this is Synchrony 's Bank policy, it's discriminating. Not in the approval or denial decision but in the time this decision is made. The decision " time '' I believe is the discriminating factor here. It's therefore, I'm demanding a decision be made in the next 48 hours as of XX/XX/2021 XXXX pm XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion is showing 5 open accounts on my credit report. I filed XXXX XXXX  on XXXX  and ALL accounts should be reporting as CLOSED, never late and included in XXXX XXXX  petition.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint TransUnion responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper will not file with HUD the claim for our forbearance modification so that we can close on our house as of XX/XX/2022. Theyre telling me that it could take up to at least 4 months before submitting. And refuse to allow me to speak with a XXXX. Also under the CARES act they were not supposed to report to the credit bureaus due to the covid relief plan.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Experian responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Tona Mortgage, LLC (FL)

My husband and I applied for a refinance of of home and it has been a nightmare with the company called The Lender. Every item they requested we submitted and then they came back saying not right and wanted other documents. We started in XXXX and finally they sent a notary to close on the XXXX of XXXX. Unbelievable, the notary forgot to have us sign about XXXX pages and then the mortgage company said we didn't sign papers back in XXXX. So notary came to house again, to sign his missing pages and then we had to sign about XXXX pages and date the XXXX of XXXX. Plus they had sent the form for payment to be XX/XX/XXXX their error was supposed to be XX/XX/XXXX so had to resign that also. Her it is XX/XX/XXXX and we have not received our money. I did give them info to direct deposit and still no money. 
It has been a nightmare working with The Lender. So since they have not full filled contract and give us the money on the first of XXXX as stated in contact do we have any recourse? supposedly looking into what happened to money.
Consumer complaint received 2020-10-26
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Self Lender Inc (WV)

Theres an account that has been open fraudulently in my name and my debit info was used I contacted them and even disputed this threw XXXX and nothing has changed. 
This is not right by far I'm a victim of identity theft and XXXX XXXX is keeping my money and now this XXXX, when I contacted self lender they was very rude.
Consumer complaint received 2021-05-07
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: AMERICAN HONDA FINANCE CORP (FL)

I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then AMERICAN HONDA FINANCE # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (CA)

I made a purchase on PayPal using the 4 pay plan where I would make 4 payments on a purchase over a specified time frame. I ordered I item from a vendor, however PayPal duplicated the order twice, however the vendor confirmed I only placed for one item, not three items. PayPal is now attempting to charge me late fees on the two additional purchases they fraudulently added to my order with the vendor. Ive communicated with PayPal more than several times and over a month has passed without any corrections made to my account. I filed a dispute with my bank and they stopped Paypay from taking out automatic payments. I have paid in full for the one item that I did in fact order, however PayPal can not seem to to correct the issue on their end and can not explain to me how my order was duplicated twice. I keep getting late charges on items that I never purchased. I would appreciate assistance to resolve this matter that of no fault of mine.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS.

ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE. IVE ALWAYS HAD HEALTH INSURANCE AND THERE WAS AN ACCOUNT OF XXXX XXXX THAT I REPORTED TO THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT. THEY HAVE NOT CONTACTED ME AND I HAVE A LAWYER WHO IS WORKING WITH ME.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I disputed some addresses that I have never been associated with and experian said over the phone they would remove them well now they refuse to remove these addresses. They even put the wrong address as my current. I am sending copies of what I sent them, please make them do their job and remove these illegally reported addresses My only legal address is XXXX XXXX XXXXXXXX XXXX Ga XXXX
Consumer complaint received 2021-05-07
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: JPMORGAN CHASE & CO. (IN)

The CFPB closed my complaint with this company. The inquiry they put on my credit is fraudulent and the information used was incorrect so again, I want it removed from my report. Chase sent me a letter in the mail saying I was denied credit for various ( untrue ) reasons, and they said the date it was calculated was XX/XX/2021. My credit score as of today ( XX/XX/2021 ) is XXXX according to XXXX. So not only was I incorrectly denied when I requested my removal, I also had them place a hard inquiry on my credit report for someone that isn't me. I've tried calling them multiple times and they have been no help, so here I am trying to get all these random inquiries off of my account. Either someone has stolen my identity, or someone isn't telling me the truth about my accounts. This is the first of many inquiries I have to take care of and that I have proof of incorrect information which is a good sign of XXXX XXXX. 

I've even attached the letter they sent to my old home in the mail. The address they have on file from when I used to have a Chase checking account a couple years ago.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MN)

I have spent countless hours on the phone, and emails, and tweets, and no one can seem to help me - I just get " sorry, we don't know, we'll let you know if anything changes '' - I am out of ideas, so I am trying the CFPB. I pay $ XXXX/year fee for my Sapphire Reserve card. This allows me a 1.5x redeem multiplier on travel. I have nearly XXXX points I wished to use for travel in XX/XX/XXXX ( ~ {$3000.00} in travel rewards ). I try to be very cordial on the phone, but I am at my wits end. This is easily the worst customer support situation I have ever encountered in my life. I have attached a detailed summary of interactions with dates/times/events which I have been compiling in the zip file, it is titled events.txt
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Credit Card Holding Account # XXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXXXXXXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX 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 2017-12-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northern Alliance Management, LLC (KY)

Northern alliance group called saying they were going to notify employer. They wouldnt tell me what loan was for ( amount ) and who it was from. Just what I could pay to take of it. They just wanted me to make arrangements for payment, not interested in sending me information on so called loan. Nor would they give their address and original amount of loan
Consumer complaint received 2023-02-23
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. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (FL)

After noticing the derogatory remark on my Credit report I contacted them. to try to resolve the matter and was made to feel very uncomfortable and threatened to pay. So I made a payment to have it removed to only see that a month later I is back on my report but with another collection company .It went from Frost to XXXX XXXX XXXX  . I feel like my personal medical information is being passed around and used to get money from me in these tough times. I have been very irresponsible in the pass but I have learned to be more careful with my finances. Please help me to correct this situation