davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I have disputed SEVERAL time with Equifax concerning the same issue. I have a XXXX XXXXXXXX XXXX XXXX that went into default. They have reported the same account XXXX times on my report. Just for clarification, I have XXXX credit card with XXXX XXXX that went into default and is now being reported XXXX times. Same account number, may I add. I have disputed this several times advising them that they are duplicating the same account. I have always been advised that the information was verified and correct, which is completely inaccurate.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to formally address an issue concerning the handling of my claim # XXXX. Capital One has consistently ignored my emails and calls in regards to this claim and even claimed the reason for denial was due to me not sending them any information in regards to the dispute. I opened over XXXX complaints with the CFPB in regards to this and in the latest XXXX they did not respond back at all. 

On XX/XX/2024, I submitted detailed information related to this claim via email to XXXX, as directed by earlier correspondence. However, I received a denial notice dated XX/XX/2024, which incorrectly states that I did not provide supporting information for my claim.I would like to address the following points : Submission of Documentation : I have attached copies of the emails I sent on XX/XX/2024, along with the relevant documentation to support my claim. It appears there have been an issue with the receipt or processing of this information on XXXX XXXX end but their solution is to blame the consumer/customer and put all fault on them. 

However, I have not been provided with any written documentation or specifics from the merchant to contest this amount. This lack of transparency prevents me from adequately addressing the validity of the disputed amount. It has also come to my attention that despite my attempts to resolve this matter, there has been no meaningful review of the complaint. Additionally, I have not received a thorough investigation into the details of my dispute, as indicated by the lack of response or review of my recent complaint. 

Given these issues, I respectfully request the following : Re-evaluation of the Claim : Please re-evaluate my claim in light of the attached documentation and the concerns raised regarding the lack of proper investigation. Provision of Merchant Documentation : Provide me with written documentation from the merchant regarding the {$100.00} deemed valid, so that I can address and refute any discrepancies. Confirmation of Receipt : Confirm the receipt of the attached documentation and ensure that it is reviewed as part of the claim process. 

I believe Capital One to be practicing in bad faith of its consumers and not properly investigating issues/complaints that arise and also lying about receiving information.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/2024 Amount Charged Off : {$16000.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the XXXX form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (NJ)

AMERICAN EXPRESS XXXX  {$690.00} $ XXXXthis card is not late. I had ID theft so my debt to income ratio increased of no FAULT OF MY own! Needs to be removed off my credit report as negative
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OK)

I redeemed XXXX points from my American Express rewards account for a {$50.00} gift card on XX/XX/year> around XXXX. I received the confirmation email for order # XXXX, but I have never received the card. I have spoken with roughly XXXX different Amex customer service reps to resolve this and am only left frustrated with XXXX resolution. They ask questions they already have the answers too, then forward you to another department only to be asked more questions and then told Ill have to speak with another department. It is unethical and bad faith business practices.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TN)

I REACHED OUT TO NAMED COMPANIES AND ASK THEM IF THEY COULD PROVIDE ME EVIDENCE THAT I SEEK TO OBTAIN CRDIT FROM THEM AND IT STILL WAS NOT PROVIDED
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

I moved from XXXX XXXX XXXXXXXX XXXX at the end of XX/XX/XXXX. I closed my XXXX XXXX XXXX and paid my final bill however they did not close the account and continued to bill. I reached out back in XX/XX/XXXX, and informed the above. I was asked to submit proof which I did of my eversource account as I moved to XXXX XXXX They agreed the account should have been closed however there was still usage from the owners of the residence. It was removed from my account and now in XX/XX/XXXX they reopened another collections against me for the same debt. This is ridiculous. I can prove when I relocated. I can prove when I registered in XXXX XXXX Why after 6 years can they open up a whole new collections that I have to again fight to have removed off my report?! They have started harassing me via text and calls yet again.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I filed a claim for charges on my account that I did not do. I gave every bit of info I could in detail and they denied my claim due to third-party charges. now Im completely broke and waited two weeks for them to refund me. Ive banked with Wells Fargo for so many years and the one time I have to dispute charges that I didnt do I cant get my money back
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Financial Management Solutions, LLC (MD)

I 'm writing to request an investigation into XXXX XXXX XXXX and FMS Financial Solutions ' business and debt collection practices. I believe that their practices violate the Fair Credit Reporting Act found at 15 United States Code XXXX U.S.C. XXXX XX/XX/XXXX as well as the Consumer Credit Protection Act found at 15. U.S.C. XX/XX/XXXX XXXX Title VIII - Debt Collection Practices [ Fair Debt Collection Practices Act ]. XXXX XXXX has entered and received a judgment against me in order to garnish my wages at 25 % per instance with interest accruing daily on the outstanding balance. However, this comes after several phone calls and letters from my lawyers at XXXX, XXXX and XXXX to attempt to re-instate the pre-arranged payment plan of {$60.00} per month ; XXXX XXXX did not deign to reply to my lawyer 's correspondence or phone calls. XXXX XXXX 's office claims that I defaulted on my payment plan. However, this is not true. XXXX XXXX/FMS Financial Solutions had my information and permission to withdraw funds directly from my account on a monthly basis. However, they never withdrew funds from my account on a constant basis. On XX/XX/XXXX I get a letter in the mail from the XXXX XXXX 's XXXX Court that a judgment was entered against me due to my " defaulting '' on the agreed upon payment plan. I never received any phone calls, emails or mail from XXXX XXXX/FMS Financial Solutions stating that there was a problem with receiving payment. So, they basically waited 9 months to " inform '' me that I had " defaulted '' on my payment plan by using the court system.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (AL)

ASSET RECOVERY ASSOCIATES, XXXXXXXX XXXX, XXXX XXXX, IL, XXXX, XXXX, CONTACTED ME ABOUT A XXXX XXXX DEBT FROM XX/XX/XXXX. THEY TOLD ME THEY WERE LAWYERS WHO WERE GOING TO SUE ME AND GARNISH MY WAGES IF I DID N'T AGREE TO A SETTLEMENT. XXXX XXXX XXXX XXXX. XXXX ) CONTACTED ME ON MY JOB AFTER I TOLD HIM NOT TO. HE CALLED BACK AND ASKED FOR XXXX XXXX STATING THAT HE NEEDED TO SEND A GARNISHMENT ORDER ON ME. I HUNG UP AND HE CALLED AGAIN. HE CONVINCED ME THAT THE LAWYERS HAD A LEGITIMATE CLAIM AGAINST ME. XXXX XXXX HAD MY SS #, ADDRESS, EMPLOYER INFO, INFORMATION ABOUT RECENT PURCHASES, AND MY CREDIT REPORT. I AGREED TO PAY {$1200.00}. I HAVE MADE XXXX PAYMENTS ; XX/XX/XXXX - {$400.00}, XX/XX/XXXX - {$400.00}, AND XX/XX/XXXX - {$200.00}. MY LAST PAYMENT WAS SCHEDULED FOR XX/XX/XXXX - {$200.00}, BUT I HAVE INSTRUCTED MY BANK NOT TO PAY. I FOUND OUT THAT THEY ARE NOT SUPPOSE TO COLLECT ON THIS DEBT DUE TO THE STATUTE OF LIMITATIONS NOR WERE THEY SUPPOSE TO SET UP REOCCURING BANK DRAFTS WITHOUT WRITTEN CONSENT. I WAS TOLD TO REPORT THEM TO MY ATTORNEY GENERAL ( DONE ) AND YOUR AGENCY. THANKING YOU IN ADVANCE FOR ANY HELP YOU CAN GIVE. HOPEFULLY YOU CANHELP PREVENT THIS FROM HAPPENING TO ANYONE ELSE.
Consumer complaint received 2024-09-20
Product: Credit 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. (NY)

This is regarding to the closed dispute made from XXXX in the amount of XXXX dollars on XX/XX/year>. I opened the dispute with Chase Credit Card XXXX because I have not received the merchandise as promised by the merchant up until now. 
The merchandise is for XXXX ounces of silver purchased from a merchant named XXXX. Even though the merchant provided the tracking information from the post carrier, the tracking information does not show any signature from myself nor anyone of my family. Furthermore, I asked my family and neighbors around and no one saw any package left around the delivery date. Also the proof of delivery does not show my full home address : XXXX XXXX XXXX XXXX XXXX XXXX 
I hereby certify the above statement is true and best of my knowledge. However, it's almost XXXX months which have passed, Chase closed my dispute without issuing any credit. I should not be paying for something that I have not received.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (FL)

I stopped payment on a check that I did not present XXXX. The drivers license number or birth date or signature are not mine on the check. Have contacted Trident Asset Management numerous times they are very rude and wo n't listen to me. They reported this stop payment check XXXX and the refuse to delete it.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I have had numerous problems getting Equifax to fix errors on my credit report. They take a long time, do not do a proper investigation and are causing me distress and financial problems. I am unable to secure housing for my son and myself because they will not fix the errors. I am going to have to retain an attorney to address these issues in court but that is going to take months. Meanwhile the damage continues to affect my livelihood. Below is the list of errors:1. For 5 years they reported a charge off account on my credit report twice. For 5 years I disputed this error and they never corrected it. I was informed by the creditor that Equifax was aware of the problem but never took the necessary steps to correct it. 
2. I had an account with XXXX XXXX which was paid off XX/XX/XXXX. Equifax continues to report this account as being open and XXXX days late. This is incorrect. 
3. I had an XXXX account that is paid off that they are reporting as a charge off. THe other XXXX credit reporting agencies are reporting it correctly, the account is paid and closed. 
4. I have another account with XXXX Bank whic Equifax is reporting as a charge off. They claim the last activity was XX/XX/XXXX but have no payment activity recorded prior to that. They dates of last activity are incorrect. Again, this account is past the statute of limitations and should be deleted from my file. However because Equifax has the wrong information they have not done so. They had removed it once but then it was reinserted. 

I have asked them to investigate every negative entry on my credit file because of their errors I need to have every account investigated to ensure that the items are properly reported. I am a XXXX veteran, and a single mother trying to provide for my son and this is threatened because Equifax is negligent.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

Equifax is reporting that my XXXX account was charged off twice once in XXXX XXXX and then after going positive for over a year the macys account was once again charged off in XXXX XXXX. How can a account that is alledgedly charged off go positive again, and then once again charge off?. This info is inacurate and is causing my credit score to not improve. I have included supporting documentation to support my claime. My loan officer can not figur this out either.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

There are delinquency and credit cards on my file I dont have no credit card serious delinquency on one or more of your accounts. 
The ratio of revolving account balances to their credit limits is too high. 
There are too few accounts currently paid as agreed. 
The number of accounts that have or had a delinquency.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC (DC)

Today on XXXX/XXXX/XXXX I returned a call to XXXX XXXX of Premium Asset Services LLC. I told her that this debt was paid to the original company I asked her for the information to contact said company. XXXX transferred me to a XXXX XXXX who as soon as he got on the phone was belligerent I said to him that all I needed from him was the phone number to the CC company and his response was that he was not going to give me anything, and he did n't give XXXX because they had talked to me in XXXX and I owed them $ XXXX and they were going to collect. He also threatened me to sue me for this debt. I told him that it was not necessary for him to talk to me like that and I hung up the phone on him. I am in the middle of purchasing a home this debt was not on my credit in XXXX XXXX or previous to. I do n't understand why if I paid this to the original debtor and it been longer than 7 year how is this even allowed. I did n't not entered in a credit contract with Premium Asset Services , LLC so they should not be able to call and threaten me. Also the Statute of Limitations in XXXX DC XXXX in which I live is 3 years. This is unbelievable that a company that you have no contract with can call harass, and threaten you. In conclusion I called XXXX back to let her know that I will be back in touch with her once I receive Bank Statements from XXXX from my bank.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Not updating info purchase XXXX car in last 3 years and every bank that the car dealer sent application to also pulled credit and they are charging my credit for every hit how is that fair to me plus stuff on my report from 20 years ago paid bills never updated
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (OH)

I went to Walmart as I always do to get my weekly shopping done. I have a Walmart credit card through Synchrony Bank that I use all the time for this. I use this card and pay it off at the end of each month. The cashier informed me that the card does not work and is not good. This was very embarrassing, deplorable and shocking for me. Only then did I know that something was wrong and Synchrony had closed my account. After a lengthy conversation the Synchrony representative told me that a third party Debt Consolidation company had contact them and advised that I was in counseling with them and Synchrony had made an agreement with them to settle my debt. I was shocked! This is not right and Walmart/Synchrony explained they could do nothing more for me, that was also shocking. I have been an exemplary customer. I then explained that they clearly have the wrong person. They finally provided me the Debt company info that was on the other side of the United States called XXXX XXXX in California. XXXX XXXX stated they used their clients credit report to obtain the credit card number that they sent to Walmart/Synchrony Bank. I continued to be the middle person ( as the innocent person ) for the XXXX companies and they XXXX seemed to not know what to do. I since found out that the person has nothing in common with me XXXX other than the account number error ) and that this has been reported to my credit report as an adverse event. Negatively impacting my credit. SO to date, Walmart/Synchrony bank has been reporting my credit to this other persons credit report and my report, they closed my account on the word of a third party sharing information with that third party without contacting me and will not correct this serious mistake that has impacted me ( the innocent person XXXX negatively! Everyone admits that this was wrong and errors in security have taken place, but no one is willing to fix this or compensate me for this embarrassment. Now I live with this for 7 years? I need some assistance with this horrific error and violation of my credit security.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (AZ)

On XX/XX/year> I opened a line of credit with XXXX to pay off a credit card with higher interest rate. XXXX offered a XXXX interest. The amount on the credit line was XXXX but tally used XXXX to pay XXXX credit cards. In a matter of XXXX  months I paid over XXXX to XXXX and what is now showing as a balance with the company they sold my credit line to ( SST ) is over {$5000.00} with 19.49 % interest. 

I called SST to get the contract XXXX and they signed and to see exactly how much XXXX sold to them because the balance does not seem reasonable. Additionally, how can a company agree to 12.49 % interest and then sell the loan for a higher interest amount with out giving the consumer any other options before choosing to sell it. 

SST said they would email me the contract but that they could not change the interest rate. I did not receive the contract.