davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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: BARCLAYS BANK DELAWARE (TX)

XX/XX/19 I received an email from my banking institution that informed me that Barclay Card US had changed my credit card number and they had updated that information on the bank site where I pay my bills. I was notified in the same email that there was no need for further action. Further stating if I had questions to contact the credit card company directly.

I immediately made that call to Barclay only to be met with " a why worry attitude '' by every representative ( I spoke to 3 ), regarding this change. I further expressed my concerns that they could go in and change a card number without notice, that I had not initiated due to a lost or stolen or fraudulent event. Expressing that this was " NOT NORMAL '' procedure, they caused me a great deal of momentary grief and concern as I attempted to find the answer to " why ''. Their only response was " it was a security measure that they commonly practice to insure my card was secure. '' I stated I'd been doing business with them for at least 10 years and never had this happened. I have had ample credit cards throughout my life and NONE had ever taken such a measure to secure my card unless " I initiated '' the change due to a lost/stolen or possible fraudulent transaction. All I kept getting from them was apologies for the inconvenience and nary a legitimate engagement regarding my concern this happened in the first place. 

When I asked them to make sure that the powers that be get my escalated complaint of this poorly initiated changed and failure to communicate that it was happening I could not help but feel like they were humoring me only by saying they'd submit a report of my complaint and call. 

To clarify I also left an email ON THEIR WEBSITE from my login area that was secure. In that note, I stated that I received an email from them -- -THAT WAS AN ERROR and oversite on my part and incorrectly stated. I immediately saw red, became concerned and overlooked who the email was actually from which was my banking institution. I have saved a copy of it and will attach, along with the last copy of my billing statement from Barclay that has the last 4 of the old number, and a snapshot of the new barclay page reflecting the last 4 of the new number. They said the new card is in the mail as of XX/XX/19 and that the old card would still be good until XX/XX/2019. I expressed my grave concern that to me, they had INCREASED my possibility of being compromised having TWO active number cards circulating, of which I DO NOT EVEN HAVE THE ENTIRE NEW card number yet!!! Again, a very wrong way to go about " securing '' a clients card.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

As with other Comenity Bank cards, I had a Zale 's card and others, before they were closed it during a mortgage application process. After reapplying I was told they could not access my credit report. My report is open and unlocked, but they claim it has a freeze on the report or they can not get it or it is blank. 

When I try to call them I get a recording claiming that I am not authorized to call the number. So that is not allowing me a chance to communicate with them to take care of the issue and it is also blocking me from maintenance on other account with them. 

Is this fair under the FCRA rules? 

Enclosed are the supporting documentations. 

This also happening with any account I apply for with Comenity, they keep sending the same information denying my application.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2022, {$15000.00}, I called the company to let them know I didn't authorize a wire transfer of the funds out of my account. I could see that they had the funds pending at that time. I was told that the funds wouldn't leave my account sense it had been flagged as fraud. Than my account was locked and I couldn't log in anymore. when I went down to the bank the funds had been transferred from my account. And they declined to refund me the money. Talking about I know the person. Which is a lie in itself. So I filed for a appeal for them to review the case again. Got a email today XX/XX/2022 and they said they still declined to hive me the funds back
Consumer complaint received 2019-08-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC (UT)

So I recieved an email from my employer that my wages were to be garnished. It was stated that they would be garnished by Reliant Capital Solutions. The document attached to the email indicated it was a court order issued by Reliant Capital Solutions back in XXXX. I nor did my wife receive contact from them at all regarding the attempt to collect the student loan debt. This email was the first indicator that my wages were to be garnished. They were as of XX/XX/2019 garnished without contacting me by email, mail or phone call. I haven't take any action as of yet but I plan on calling my HR payoll rep about this tomorrow morning XX/XX/XXXX and see what course of action I can take.
Consumer complaint received 2019-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

JPMORGAN FINANCIAL CORP HAS BEEN exposing ALL MY PERSONAL INFORMATION TO OPEN LINES OF CREDIT, CREDIT CARDS, XXXX XXXX XXXX XXXX XXXX # XXXX MY OLD # WITH XXXX XXXX SINCE 1993!!! MY NEW PHONE IS XXXX. PLEASE CALL ME. THESE CROOKS HAVE ALSO CHANGED MY CREDIT REPORT INFO THRU XXXX AND XXXX FOR THE PAST YEAR IVE BEEN TRYING TO GET THEM. Pain and suffering for LOSS TIME N HEALTH ISSUES TOO
Consumer complaint received 2021-08-03
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: ECMC GROUP, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

Good morning, To whom it may concern, I have been paying my debts/obligations for a year now. My goal is to purchase a home, being a first time buyer. I went thru classes /and credit counseling to prepare for it. My credit score has increased, but by few points and it had decreased a few times because of the collection agencies. 
The creditor is XXXX. XXXX was paid in XX/XX/2019.But to this day 3 collection agencies are threatening me and sending me correspondence to pay up, and calling me. I called and XXXX to confirm in XXXX, XXXX, XXXX, XXXX, XXXX that i dont owe nothing, and the have. 
XXXX XXXX ( XXXX ) XXXX XXXX, FL. ) - stating that i owed XXXX and that i owed $ 360- $ 500..I argiued with them that i did not.I called XXXX tthey told me to look in my account history and print it. I did and sent it to XXXX  and to XXXX. Still XXXX has it on my account and now a new Collection agency .. CREDIT COLLECTION SERVICE  ( XXXX ) XXXX-IN in XXXX MA ) Has that i owe XXXX ... .i argued with them, they have me opened a XXXX account in XX/XX/2019 owing XXXX! They called me, threatened to take legal action and trying to collect the amount. ( XXXX ) now my credit score has gone down.i have paid my bills on time as agreed, cleared up my obligations, disputed errors .When score goes up, these collection agencies hit my credit report and it goes down.how can i stop them from hitting my report, and get back my points! this is unfair, deceptive and abusive practices. Im not giving these people a dime, and i fear the will go into my account. They tell me that XXXX AUTHORIZED the collection! XXXX say they did not! I HAVEN'T OWED XXXX SINCE XX/XX/2019 ... .I NEED HELP!!!! I WANT MY OVER 20 POINTS BACK THAT I WORKED HARD TO IMPROVE WITH FINANCIAL HARDSHIP!!!!!!!!! NOW I HAVE TO EXPLAIN THIS TO UNDERWRITTERS THAT IM NOT LATE PAYING THIS BILL THAT I DONT OWE.MY SCORE WAS IN 600 'S NOW ITS 580 'S!!!!!!!! THIS IS IS UNFAIR! BUT I HAVE TO WAIT TIL SCORE GO BACK IN 600 'S ... .BUT HOW???? i HAVE ADDRESSED MY CONCERNS, MULTPLE TIMES WITH XXXX, CREDIT BUREAU, AND COLLECTION AGENCIES.XXXX   BLAMING COLLECTIONS AGENCIES AND CREDIT BUREAUS PLEASE RESPOND IN KIND XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2020 2020
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I paid off the promotional balance of my Care Credit card ( Synchrony Bank ) prior to the date when I would have to pay interest ( 1 year ) ( promotional balance was approx {$4500.00} ) and then they closed my account once I had a {$0.00} balance, citing my credit score, even though my credit had gone significantly UP since I opened my account with them. I feel they did this because they did not make interest off of me because I paid off the balance in less than a year.
Consumer complaint received 2019-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have tried from the beginning of XX/XX/XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

In 2019 of this year, I noticed a alleged debt was placed on my credit report ( s ) from named debt collector in the amount of {$1800.00} from XXXX. I never received proper information stating this debt was mine or that i signed anything. A copy of a phone bill isn't proof of ownership of debt.I know my rights as a consumer.I disputed this alleged debt to credit bureaus but haven't shown proper verification that this company is allowed to collect alleged debt.
Consumer complaint received 2019-08-23
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: Harley Davidson Financial Services Inc (CT)

There are two addresses on my report ; one which I have no relation to : XXXX XXXX XXXX XXXX, TX XXXX Address ID # XXXX Single family. 

I also have a hard inquiry on my report that does not belong to me : XXXX XXXX CRED Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

Received a call today to my personal cell phone for a credit card that they claim my husband XXXX took out. The representative that called me from XXXX Legal Proceedings states that they were in the process of filing a civil lawsuit against my husband within 48 hours. I asked what the proceeds were for and they advised that due to Third Party disclosure, they were unable to tell me what the debt was for. I told them that they had already disclosed that they were in the process of court proceedings which is disclosing information to an unidentified third party. I then told the lady that I was XXXX 's wife and she then proceeded to tell me she was filing a lawsuit for a XXXX credit card that was last paid on XX/XX/2013. I told her that if her information was true, them we are far past the statue of limitations to file any sort of judgment. She told me that they are going to file the judgment in 48 hours and she disconnected the call.
Consumer complaint received 2019-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I have been disputing this issue with all three bureaus they keep saying the information is correct and accurate from the creditor point of view this is the problem I felt behind on my payments they repossessed my car but before they repossessed it I asked for and extension before I got behind they told me I had to make the full payment then they would see If they could set it up I told them if I had the full amount I wouldn't need and extension then I felt behind they repossessed the car called me and said how much I had to pay to get it back I paid it we talked on the phone and I paid it took three days to get it after I paid the money I agreed to pay XXXX a month until I catch up with the past due payments I did that for a few months and I couldn't afford it so we worked out another agreement that I would pay XXXX by weekly starting my next pay date so I split the payments but they have been reporting to the bureau like I'm not paying at all they have all x, s since the repo and I have been making payments and on some of the balances after the payment it didn't change it went down a few dollars or in some cases after I paid it went up so I even asked if I had any extra fees they said no then I called again and one rep said I had interest I asked how then they hung up I called back they connected me to someone else l keep trying to get this straight and everyone making me feel like I'm crazy like I can't add or see what's going on and they also have on my report that I have 29 missed payments and I would like to have that corrected as well if I would've had that many missed payment they would have repossessed my car again
Consumer complaint received 2019-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I was hospitalized, had XXXX, XXXX XXXX into my XXXX, developed XXXX, the hospital call for air transport knowing that I had no insurance and so did the air transport. i am now XXXX, have XXXX   due to XXXX damage. XXXX XXXX excused debts and granted me one year of follow up treatment. At the end of that year they attempted to collect the debts. The doctors that were used thru XXXX. XXXX should have also been excused through their letter. I live on a very fixed income and try to work part time just to keep up with the expenses that have come with the XXXX equipment and co-pays of medication that i now have to take, I tried to get XXXX and was denied. Finally got it after i was released from the hospital but would not cover any of the hospital bills, I paying off other bills that were necessary after this. Had to have some expensive blood work done to try to determine high white blood counts. almost have them taken care of. These debts were excused by XXXX XXXX and then brought up again. I ask that they stop contacting me.
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

Toyota Financials website advertises a {$500.00} rebate for recent college graduates and deferred payment for up to 90 days. 

When I purchased my new XXXX last month, the salesman confirmed the existence of this program in the state of Colorado. However, when I finalized my loan with the finance department, the representative denied the existence of such a program. I meet all of the following criteria outlined on Toyota Financialss website : XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2019-08-06
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: EQUIFAX, INC. (IL)

The accounts on my credit file indicated as " bankruptcy '' or " closed '' should be deleted and removed immediately as they are closed and no longer active or valid. I have made several attempts to delete and remove them by asking the creditors in question to remove them. I have disputed all of the accounts and have been ignored. Under the FCRA these accounts should be removed due to inaccurate reporting. 

The reporting agencies have also had a breach in their data systems allowing access to my accounts which was the result of unwanted hard inquiries.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OR)

I have a Costco Visa card issued by Citi. I have spent more than {$100000.00} on the card over the last two years and have paid my balance fully every month and never missed a payment. The bank closed my card last week. I called to ask why and they said to wait foe a letter in the mail. I just received the letter which says that they closed the account based on my request. I never asked them to close the account and I can not get an explanation why they closed it.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (AZ)

On XX/XX/XXXX, D & A Services sent me a letter stating a XXXX XXXX XXXX account had been placed with their company for collections. The debt listed in the letter was for the amount of {$3000.00}. 

I have never before applied for my own XXXX XXXX XXXX credit card and therefore believe this debt to be invalid. 

On XX/XX/XXXX, I sent D & A Services a certified letter asking for additional information about the account and to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt. I specifically asked them to provide a copy of the written agreement that created my original requirement to pay as well as a copy of the billing statement sent to me by the original creditor. I also asked them to provide details about their authority to collect this debt such as their debt collection license information. 

On XX/XX/XXXX I received a response from D & A services. They included a photocopy of what they claim to be billing statements sent to me from XXXX  XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. These statements have my name and address on them, but I never once received them. In addition, the statements show payments were made on XX/XX/XXXX ( {$160.00} ), XX/XX/XXXX ( {$350.00} ), and XX/XX/XXXX ( {$150.00} ). I would like to know who made these payments and what account they came from because it was not from my bank account. Also, these statements do not have one single charge on them toward the original debt in question. It only shows the debt amount and the monthly fees & interest charged throughout the year which have now increased the debt from {$2600.00} in XX/XX/XXXX to the {$3000.00} that is said to be owed today. I don't understand how they can claim I owe this debt without showing me a single one of the charges they claim are past due. They also failed to include a copy of the original written agreement showing it was indeed me who opened the card and that I agreed to the terms and conditions and my requirement to pay. Finally, D & A Services did not provide any information regarding their license and their authority to collect this debt. 

It is of my opinion the credit card statements they provided are falsified to look as if they were originally sent to me. Each statement provided is a copy and double sided, however, on some of the statements, the dates do not match what is on the front versus the back. For example, one statement is dated on the front as XX/XX/XXXX - XX/XX/XXXX, but on the back of the page the date is listed as XX/XX/XXXX - XX/XX/XXXX. On another one of the statements, the front is dated XX/XX/XXXX - XX/XX/XXXX while the back is dated XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2019-08-23
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.