davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CA)

I am requesting a courtesy adjustment to my credit reports ( XXXX, XXXX, XXXX ) for the 30 day and 60 day late reporting : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) My mother XXXX in XX/XX/XXXX. She was on XXXX and social security, so when she XXXX, I, being her only child and closest living relative, took-on 100 % of the funeral, burial and administrative costs. This caused me to fall behind on my credit card payments with XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and explained my hardship. In fact, when I signed-on to the payment portal a red banner came across the screen ; here is a copy/paste : " Alert 1 of 3 : If you're facing financial challenges, we may be able to help. Please call our Customer Care team at XXXX ( TDD/TTY : XXXX ) for more information. Alert 2 of 3 : Your Account is past due. Make a payment now. Alert 3 of 3 : Please confirm your contact information. Confirm Now '' I called XXXX customer service in good faith, explained my hardship, and the call was elevated to the collections department, where I explained my hardship yet again. I expected, at the very least, a TEMPORARY courtesy modification of ANY sort, just so that it would be easier to catch-up on payments. This was not offered. All I was told was ( 1 ) how much I owed, and ( 2 ) whether I could set-up an electronic payment with the agent on the phone. In short, the agent did not help. I was reported to the credit bureaus as 30 and 60 days late. This is truly heartbreaking, especially when I reached-out for help -- the banner said " call us, we may be able to help. '' I had perfect credit and perfect payment history with XXXX until this episode. If they pull my credit reports, you will see that I have 100 % on-time payments with ALL my creditors over the last 6 years, including all of my XXXX cards. I have no collections, no judgments, nothing. I had a clean history until my mom 's XXXX. 
I want to pay my bills. I take pride in paying my bills on-time, and I work hard to keep a clean credit report. 

As of XX/XX/XXXX, I have been getting caught-up and expect to be 100 % caught-up by XX/XX/XXXX. 

I am respectfully requesting that XXXX extend this ONE-TIME courtesy to me : removing the 30 days and 60 days late payments on all three credit bureaus. I would greatly appreciate it. 

Thank you.
Consumer complaint received 2018-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUN LOAN COMPANY INC. (TX)

I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.
Consumer complaint received 2022-02-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A-L FINANCIAL CORP (CA)

Hello, amount in dispute : XXXX $ In XXXX, I bought a car and a loan from A-L financial based in California. 
in the spring of XXXX, the car got repossessed after a month delay to pay as I was abroad. 
I had moved from the place where I was staying when I bought the car. 
soon, in XX/XX/XXXX, the company went to court. 
Case notifications were sent to a wrong address ( former address ). 
on XX/XX/XXXX, a default judgement was entered. 
in XX/XX/XXXX, the police came to look for me at my new address and was told to go to court. 
when I went to court on XX/XX/XXXX, I was examined and was released. I insisted that I was not served. 
after that, A-L financial went quiet for 2 years. 
in XXXX, A-l financial again filed an order of examination, it was sent to a wrong address again, an arrest warrant was issued again. the police found me to the right address again. 
I went to court, I repeated my claim of not receiving any notification. I was let go home. 
on XX/XX/XXXX, XXXX XXXX XXXX was assigned of the collection of the debt. 
in XXXX XXXX, XXXX XXXX XXXX posted on my credit report. 
I never received a notification or there is no indication that they even tried to reach out to me. 
once I realize this, I went to court to have the motion to vacate of the judgement but it was too late as the judge claimed. 
however, I was misled as even the two times I went to court I was only interviewed and responded that I did not receive notification. I have shown proof to courts that I had moved long before the case was filed, but they argue on the statute of limitation to appeal. 
since the credit reporting from XXXX XXXX XXXX was posted I have suffered negatively. 
I am a small business own, I can get credit I can't get travel credit ( my sister got married and her kids could not travel due to this ) I can't get my speaking gigs as I used to be I have sent a letter to both these companies but since my motion was denied, no cooperation. 
all I am asking to get the record be removed since I was not notified and even if the notice was sent, it was sent to a wrong address as evidenced in the court records XXXX XXXX XXXX provided ( it had my old address ). 

note : I believe it is a deliberate effort because I have been arrested ( 2 warrants ) and was at the same address. even, when I came to court, I provided my correct address. 
I have not refused to pay except that we are still in courts. 

why would they post on my credit report? 
thank you.
Consumer complaint received 2018-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (FL)

AAFES, XXXX XXXXr Credit Card was issued to me. After I used the card and paid much of the debt, I had used the card again and was in good standing for 2 years with the company. 
My husband and I separated in 2016. I fell behind in payments and the debt went to collections. They harrass me and threatened to garnish my wages. 
I am now going through a divorce and I am unemployed. I have NOTHING! 
AAFES, and their collection agency ( TOPS ) make threats and say they will take my Federal Income Tax Return.

The debt is {$4000.00} with over {$1500.00} in interest! 
They are crooks!
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (CA)

Hi ... this is in regards to medical collections debts from XX/XX/XXXX or XX/XX/XXXX that show up on my credit report. About 4-5 years ago when i first checked my credit report..i saw these charges and was in shock!! ... I know that i did get medical attention at XXXX XXXX Hospital in XXXX, Ca. ( where i live ) and was covered with Medi-cal Insurance ... ..so i called the hospital to see why I was in collections and they had no knowledge of me getting any bills ... so i called the agency from my credit report and the guy said its from hospital bills and that just because i had a government Medi-cal insurance didn't mean they cover everything ... I asked him why I had never received any bills and he didn't know why..I confirmed my address and I asked him to please send me all the bills. He was very rude and said he would but he never did. I ended up calling my social worker and she did verify that I was fully covered with no share of costs and to call XXXX, Ca where there main headquarters are located because there computers only went back to 4 years..however being on hold for almost 1 hour I gave up. Now I am trying to get a loan for a home and all those fees are showing up and making it very difficult to be approved so my mortgage broker referred me to your organization for help ... please see my attached credit report that was just sent to me from my broker..thank you
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for SYNCHRONY BANK credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called SYNCHRONY XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CITI BANK credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CITI BANK XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my  exact name.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Hi : XXXX XXXX XXXX  put my account in forbearance. I never requested this or wanted it but thought to look at my account status after reading this article : XXXX XXXX XXXX I was shocked to see my account was put into forebearance without my request to do so. My account is in good standing. There have been no missed payments. I want forbearance off my account because this was a gross mistake by XXXX XXXX. 

Thank you, XXXX
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I purchase a car for son from XXXX XXXX used car I was finance with credit acceptance for amount that I was not aware about and now I can not afford it I try over and over to refinance this balance but unable to please help me
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

This account was closed in XX/XX/2020. My billing cycle is the XXXX of the month. The balance was {$4.00} which I paid in XXXX. On XX/XX/XXXX I was given a refund of {$36.00}. When my billing cycle came around and my credit report updated and shows I owe them {$36.00}. Its now XXXX my refund was never issued, my billing statement still says - {$36.00}. I called and ask why my statement isnt saying {$0.00} because its now past the XXXX of XXXX. They should stop reporting that I owe or a late payment will be posted to my credit report.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (AR)

This all started after I pulled my credit report in XX/XX/XXXX I noticed there was a credit card for Citibank/AACBNA. The account was opened on XX/XX/XXXX. The balance for the credit card was {$2500.00}. I did not open this card nor did I authorize this card to be open in my name. Then I called the number on my credit report for this company. I then got the run around I was transferred all of the company. I then got sent to the correct department and was told this card was for XXXX XXXX with Citibank. I gave them a verbal dispute over the phone. I called my monitoring service and told them what I found on my credit report. They told me what to do for my monitoring service to step in and do casework. I got all of my documents together and sent them to my monitoring service so they could send out a dispute package. I sent my monitoring service the documents they requested which were police, power of attorney, identity theft affidavit, proof of address, drivers, and my social security card all copies. The dispute was sent on XX/XX/XXXX, and was sent certified mail. I received a letter from cardmember services stating they flagged my credit report as disputed and did not give me a reason on my why my dispute was denied. Also there was not a phone number for me to call to see why my dispute was not honored. This leads me to believe my dispute was not read or investigated
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian has violated and continues to be in violation of the Fair Credit Reporting Act ( FCRA ). experian has not been honest with who the source of this information is from, as I have received now 2 notices from US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, THIS IS THE SECOND TIME THAT EXPERIAN HAS LIED ABOUT THE SOURCE OF ITS INFORMATION in its investigation of Bankruptcy Ref. # XXXX Despite my three written requests, the unverified item Bankruptcy Ref. # XXXX still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them? also you continue to lie about the furnisher of your information The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this unverified account is not deleted immediately I will attached the letter that was received from the federal courts by myself and my counsil and now submitted x 2 to the CFPB as a part of my complaint
Consumer complaint received 2020-05-14
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. (FL)

In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified Equifax & XXXX, to which neither took action nor contacted me. Equifax has since prohibited me from pulling my free annual ( now weekly with COVID ) credit report from XXXX and they refuse to tell me why they did this. I am now unable to obtain my Equifax report online. 

On XX/XX/XXXX, I filed an online dispute via myEquifax.com to remove 2 fraudulent hard inquires on my account ( XXXX XXXX & XXXX ) ; however, myEquifax.com does not allow documentation to be uploaded for dispute investigation. On XX/XX/XXXX, Equifax denied those requests, stating that I need to contact these creditors on my own and ask they contact Equifax to remove this hard inquiry. Back in XXXX, XXXX XXXX was contacted and my identity was verified, thus the fraud application was denied. Equifax refuses to use XXXX XXXX 's investigation from the date in which the fraudulent activity occurred. On XX/XX/XXXX, I both filed an online dispute again and tried to file a dispute via telephone call, but both were rejected for the same excuse. Per XXXX ( employee ID : XXXX ) with the Equifax Fraud Department, I need to verify my identity with these companies, but she refuses to assist in that process. Equifax will not allow previous investigation work, nor will it assist me, as the real consumer, in getting my Equifax report updated to reflect accurate information. Additionally, since these are hard pulls, they negatively impact my credit score.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (AL)

Starting on or about XX/XX/2020 and over the course of the next 5 days, I received via USPS, 3 separate debit cards from Chase bank that were tied to checking accounts that I did not open. 

I called the customer service number ( XXXX ) XXXX listed on the attached sheet with the cards to report that I did not open these accounts and wanted to speak to someone in the fraud department about how checking accounts could have been opened in my name. The first person I spoke to I don't think understood that I really had not opened these checking accounts even though I did my best to express concern over getting 3 debit cards tied to 3 different checking accounts. He did tell me that the checking accounts contained a Zero ( {$0.00} ) balance, which seemed suspect to me.He sent me to another department that handles my issue and after waiting for 45 + minutes to finally get connected to the right person, the audio quality was so poor the call was disconnected before any meaningful communication transpired. I have since tried to call several other times and experienced similar wait times and so had to hang up before someone answered. 

We do not have Chase ( brick & mortar ) banks in my area of the country and I have never opened an online or in person account at any Chase bank in my 39 years of being an adult.

I am concerned that there is some serious fraud going on with Chase, presumably in their online banking dept., that they could open 3 accounts in my name without my knowledge. I guard my personal information and monitor my credit frequently and feel these bank accounts would have shown up on the reports but they have not as of this date.

I am asking that this agency investigate Chase Bank 's requirements for opening checking accounts. I am willing to provide any additional information I have to help with this investigation.

The file I have attached below is of one of the letters I received with the debit card ( the debit card is removed )
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My Capital One Credit card was being phased out ( XXXX ) and they put me into another one, XXXX  ( XXXX ) and trying to pay my bill it tried to force me to validate the card. They say they have sent me a new XXXX card. Unknownst to me my last payment on my Capital One XXXX card validated the XXXX account.
Consumer complaint received 2020-04-03
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. (SC)

I called XXXX  XXXX XXXX and asked for them to remove my late payments from 2014 due to negligence from a third party company who was supposed to have a " proven program '' to eliminate or reduce monthly student loan payments. I also learned that the company was fraudulent and doing basic income driven repayment plans that anyone could do. I paid less than {$50.00} a year for them to do this but learned from the news coverage they were cheating the wealthier out of thousands a month. All my account have exceptional payment history and this company has scared my credit report and I have been back and forth between XXXX XXXX XXXX as well as the credit bureaus and they are both telling me that it is the other responsibility to update the files. I am lost at this point with no resolution and no way to go from here. I thank you for your assistance and any help that you can offer.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: ACIMA CREDIT, LLC (GA)

To Whom It May Concern : Im writing this letter regarding the consumer XXXX  and the creditor ACIMA CREDIT. At first I was looking for an eyeglasses and saw this ad from XXXX. It only cost {$59.00}, but then on the actual cost when you set your appointment with them, it will balloon up the payment from {$59.00} up to {$1600.00}. This is the reason why Im writing this dispute letter to inform about the misleading advertisement and how they get money from my credit card for the payment, almost weekly and without my consent they keep charging my credit card. They even report me to my credit score which affects my credit score last XXXX of XXXX which is now it already added to credit report. 

Payment dates : 1st payment - XXXX - {$50.00} XXXX. XXXX = {$26.00} XXXX. XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} XX/XX/XXXX = {$26.00} Dear, Your early purchase option ends on XX/XX/2020. 

Today 's payoff amount is {$450.00} + applicable taxes. 

To take advantage of our early buyout option, please contact us immediately to make the appropriate payment arrangements. After XX/XX/2020, you will no longer be eligible for the first early buyout discount. 

If you have any questions you can chat with us ( Monday - Friday XXXX XXXX - XXXX XXXX, Saturday XXXX XXXX - XXXX XXXX  MT ). 

Sincerely, Acima Credit | Customer Service XXXX For your information and investigation