davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Hello, we are having challenges with Synchrony Bank/JCP ( the Mastercard company for JC Penney ).
The have charged unauthorized *Card Security Fees of {$30.00} per month* for 78 months. ( approximately {$2300.00} ) We have only just discovered this. The total of the fees exceeds the amount we owe the company. Synchrony/JCP says they will investigate and it may take up to two weeks. 

**Additionally we have paid interest fees as a result of these card security fees. We believe the fees have cause us to pay unnecessary interest. 

When we called the number associated with the fees they say they have " no enrollment in the system '' under this account number or name.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-23
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. (CA)

Complaint about an unauthorized transaction My name is XXXX XXXX and I hold a business account named XXXX XXXX XXXX XXXX in CHASE bank ; it is a restaurant business account. 
I am writing this to bring to your concern that transactions by Logoconcave.com were unauthorized. Logoconcave.com have scammed me, I only authorized them to charge {$2000.00} to build my restaurants website, unfortunately they hacked and connected my website to adult sites that caused a lot of trouble and ruined my restaurants reputation! They also hacked my personal email, they disappeared after that. I had to shut down the restaurants website and pay a lot to build a new one. I reported the case to the police department located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. The case number is XXXX and XXXX XXXX XXXX is taking care of this issue. I previously disputed the charges but logoconcave.com provided fake documents to CHASE that I authorized them to take {$26000.00} from the restaurants account, which I didnt. I had to change my credit card and get a new one. 
By a written request I asked CHASE bank to dispute all payments from my bank account to Logoconcave.com, but since XX/XX/2023 over XXXX times I have gone to the bank or called their customer service but no one takes this problem seriously. 
The CHASE case number is XXXX XXXX the dispute department.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Proof of me signing documents. Opened collection i have not been paying since i seen this company but it says i paid XXXX never sent anything. Tell them to send payment details please if cant remove this company i dont even know them
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BRCLYSBANKDE with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018 ), also I was never 60 days late ( XX/XX/2018 ), lastly I was never 90 days late ( XX/XX/2018 )
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NRA Group, LLC (NY)

I paid off National Recovery and they started calling every month for XXXX after stating I owe them I paid 3x 's after I recovered my credit National Recovery Agency in Pa reported it to Credit Bureau all but XXXX have removed it. 
I had bank statement receipts of the payments its like they're systemically trying to sabotage my score. Also I have these ppl at XXXX who are harassing me. 
I canceled ent them and sent receipts stating I had insurance with another company days before my next payment was due I canceled I got a settlement of XXXX and I cleared my credit with it all I had was XXXX worth of debt. 
I'm going through health problems and I am not doing this, I don't need anybody extorting me for money I don't owe.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

After reviewing my credit report, I noticed that I have a late payment being reported by Capital One Credit card XX/XX/year>. I have been a Capital One credit card holder for almost 10 years with excellent payment history. I was a victim of XXXX XXXX and I was forced to make some life changes immediately. I reached out to the company and unfortunately they were unable to help me. 




15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2020-08-20
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: I.C. System, Inc. (MD)

I have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX XXXXXXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX   XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX  I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX  ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no  successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-20
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: STERLING JEWELERS, INC. (FL)

Reached out to company via mail XX/XX/2020 in regards to incorrect reporting on my credit reports though credit bureaus are reporting the creditor verified the account. Reached out to find out how the creditor verified the account and requested documentation of the investigations. 
The company never replied, though they are not following METRO 2 reporting protocols.
Consumer complaint received 2020-08-20
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. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent my first response on XX/XX/2020 and a follow up letter on XX/XX/2020
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (NY)

Chase bank is refusing to send my credit reports to the credit bureau because my last name is just a single letter. 

I've been using the credit cards from Chase for many years and they never sent me any notification regarding to it, I only found out about this because I checked on my credit scores recently and called them about this issue. I've filed a complaint with Chase regarding to this, and I was told that because my last name is a single letter and it is not the letter 'XXXX  ', Chase would not send my credit reports to the credit bureau. They ended my complaint without giving any proper justification nor any actionable item to fix the issue. 

I've also called the credit bureaus ( XXXX  and XXXX  ) and they have confirmed that their systems have no problem taking single letter last name. I then opened up a credit card with XXXX XXXX  and they have no problem sending my credit reports to the credit bureau. So this confirms the problem is on the Chase side.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (VA)

XXXX XXXX. Received call from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, trying to deliver papers for me to sign from company named XXXX XXXX  XXXX. 
I asked what papers. He said he didn't know. Gave some file # XXXX. Told him I didn't sign papers don't know abt. 
Did a check on them found out since 2008 same people doing same thing to others. 
Another call XX/XX/XXXX. Same number, XXXX XXXX XXXX. I asked for company name address guy wouldnt give it to me.Told him not to call back. He gets angry say I owe some debt from " XXXX '' which I don't. Gave a date over 10 yrs. Told him not to call back. He gets angry, name calling. I record some part of message. Seems these guys been doing this for years. XXXX. 
I blocked number. I don't owe XXXX. 
Need to request Do Not Contact. Trying to collect debts that may have been written off. 
Request an investigation to stop calls.
Consumer complaint received 2024-10-31
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 previously disputed an inaccurate debt on my credit report with Equifax, XXXX, XXXX. The debt, reported by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, was verified without sufficient validation. 

Upon requesting documentation, XXXX XXXX XXXX provided two conflicting documents : A summary statement showing a balance of {$2400.00}.

An additional statement with a different balance of {$1400.00} and an incorrect apartment unit number, and a different name.

These inconsistencies raise serious doubts about the debts validity. Despite these issues, the bureaus did not correct or remove the debt from my report, causing significant harm to my credit and affecting my ability to obtain a mortgage.

I am requesting a thorough reinvestigation, requiring legally binding documentation ( e.g., a signed lease or detailed account ledger ) to verify the debts accuracy.
Consumer complaint received 2020-08-19
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. (GA)

i sent a le/tter out XX/XX/2020 with no reponse now by law it states the bureaus have 30 to respond and if not it must be deleted.
Consumer complaint received 2020-08-20
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. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 and 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RENASANT CORPORATION (AL)

I opened a " Simple Checking Account '' from Renasant Bank. When opening this account I made it clear that this was an account I would not use much, so I was concerned about minimum balance fees, etc... I was assured that if I kept either {$1000.00} in the account or had electronic statements then I wouldn't have to worry about fees. So I signed up for electronic statements. 

They publish these terms right on their website. 
Simple Checking is a simple and straightforward account with no strings attached. 
Simple Checking Features Low opening balance of {$50.00} No monthly maintenance fee when enrolling in eStatements, having a monthly direct deposit, or maintaining a daily account balance of {$1000.00} or more. Otherwise, its {$10.00} per month. 
Unlimited check writing Renasant Bank Mastercard Debit Card Mobile Banking Online Banking Online Bill Pay I signed into my account for the first time in several months and realized that Renasant had been taking {$10.00} from my account each month for several months. I received no notification that this was taking place. Also, when you sign up for Renasant 's electronic statements, they don't email you anything. You have to login to your account if you want to see a statement or get a notice. To me this violates the notification rules instituted on banks. I contacted the bank and they said this was because I haven't been using the account enough, something they did not mention either in person or in their advertisements.
Consumer complaint received 2020-08-19
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. (TX)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX
Consumer complaint received 2020-08-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

Care Credit/ Synchrony Bank . I called in to ask about a Mastercard option for my credit card when I spoke to the rep, they told me it's a system who randomly picks customers for the Mastercard option. I have been a loyal customer for over 4 years and have never been picked, when I asked how they make sure the system is equally choosing the right people and not just choosing based on race, amount of money they make or where they live, they were unable to answer that. That type of response made me wonder if that system is tested to see if it's being offered to a wide variety of groups or is it based on the amount of money you make per year, your balance, etc. I requested a call back but never got a call back, the request was sent over to their fair lending compliance department. I am not putting this in simply because I did not get an offer, but to make sure they are being compliant and fair to every single consumer they have. As of now it seems like they need to be audited to ensure they are following regulations.
Consumer complaint received 2021-07-02
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: DISCOVER BANK (MA)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.