davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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: Rocket Mortgage, LLC (IL)

I was working with rocket mortgage to get a pre-approval letter explicitly stating that only a soft credit pull was authorized in order to obtain the letter. Despite clear instructions, Rocket Mortgage conducted a hard credit inquiry without my consent, resulting in a decrease in my credit score. 


I have documented evidence ( email and text conversations ) confirming my authorization for only a soft credit check and preapproval letter. Rocket Mortgage disregarded my instructions, damaging my credit score and impacting future mortgage applications.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department Dear XXXXXXXX XXXX  Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXX XXXX  account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXX XXXX. 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My sister tried to used my debit card to make a purchase on XXXX XXXX. It was declined, so she called me. I checked my account and noticed a fraudulent charge from XXXX for XXXX. It was processed yesterday and there are no orders on my Walmart account since last week. I called Capital One about my debit card and the representatives I spoke with only wanted to process my fraud claim versus holding the claim until i returned from a conference on the XXXX-I leave on the XXXX. I locked my card prior to calling and asked both representatives if they could see my locked status. The second representative who identified herself as a supervisor saw my card locked but refused to hold off on submitting the claim as I made her aware that transferring money to another account would not process prior to the XXXX and neither would receiving a new debit card. The " supervisor '' ended the call mid-discussion, submitted th3 claim, and cancelled my debit card-all without my permission or approval.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (SC)

Who handles this? Im tryna get a car, and yall put this dispute comment on my account. Now Im stuck, and I need yall to remove it now. Why yall always doin this to people? This situation is wild.
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (IA)

I cashed a check with the agency, and it was a check from my bank which was cashed agency then said i certified for repayment when that's my check they said insufficient funds i said no its not i received my funds and my bank said check was cashed and good check into cash in XXXX XXXX  soon called me about this matter in XX/XX/XXXX when i cashed my check with them in XX/XX/year> they issued out a warrant saying it's a bad check when it's not false accusations
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The INQUIRIESlisted below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
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. (DE)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-24
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: Experian Information Solutions Inc. (SC)

Starting on XX/XX/XXXX I started the process of Disputing debt being reported by XXXX XXXX XXXX  who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/XX/XX/XXXX to XXXX  XXXX XXXX  and again on XX/XX/XXXX to all 3 credit reporting agencies Experian, XXXX and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via UPS along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having a problem getting my free annual credit and consumer report from Chex Systems and XXXX XXXX XXXX. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having an issue getting my free annual credit and consumer report from Chex Systems and XXXX XXXX XXXX. I want Chex Systems and XXXX XXXX XXXX to mail me a copy of my free annual credit report. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXXXXXX XXXX  Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Consumer complaint received 2024-07-25
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. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MIDCOUNTRY FINANCIAL CORP (IL)

XXXX, at the Heights Finance office in XXXX XXXX, lies to consumers about the law and the terms of ther contract and tries to bully them into additional commitments. First of all, my interest rate is greater than what I was told it was when I took the loan. Second, my payments are due on the XXXX of the month. I have been a day or two late in the past, but never more than that. This month ( XXXX ) I notified them that my payment would be 12 days late and that I would make it on the XXXX. I was informed by XXXX that I could skip the {$80.00} payment if I made a {$27.00} payment over the phone and my maturation date would just be moved to a month later. I told her I didn't want to do that because it was another month of high interest rates. She then informed me that I was then *required* to come in to the office ( which is 40 miles away ) for a " good faith visit '' today. When I told her that wasn't legal, she said it was part of my agreement with them and I disagreed pointing out it was nowhere in the paperwork and I would not do it. Then she told me they were going to call me every day until they " got their money ''. I reminded her that at that point I was only 2 days past my due date, not 30, and calling me every day would constitute harrassment. I would pay my regular payment and any late fee on the XXXX. She told me she could and would call me every day whether I liked it or not, unless I came in for a good faith visit. She has called several times since, and I just haven't answered, but today, after she called me and I ignored it, I called back hoping for a better interaction. She informed me that if I didn't pay within 7 days of my due date they would report me to the credit bureau and I needed to come in for a " good faith visit '' or pay immedately to avoid my credit being damaged. I told her that I was already past 7 days as it was due on the XXXX and it is now the XXXX and that they legally can not report me until I am 30 days past due and I am only 10 days past due. She said I was wrong and that I had to " come in or pay right now or they'll report me. '' I told her that is not true and I know the law. She then said " You better pay on the XXXX or we'll report you! '' in a very angry voice. As I said, I am only 10 days late. I notified them in advance that I would be, and I have never been more than a day or two late with them in the past. This predatory lender lies to consumers about the terms of their contract, and tries to bully them and lies to them about the law. XXXX at the XXXX XXXX office, in particular, is rude and dishonest. I am very concerned that she will vindictively damage my credit when I have not ever been 30 days late with them.
Consumer complaint received 2024-10-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received a debt collection call from TSI about an overdue XXXX account alleging that I owed over {$8300.00} - I told the agent it is not my debt and is fraudulent. The address they had is not my address. I do not have a XXXX account and so informed the debt collector. Even so, the debt collector reported the debt to XXXX- and I have filed a dispute with XXXX. My credit score has now dropped XXXX points. The XXXX amount was charged when my credit files with all three agencies were locked.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-30
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I applied for a Care Credit card through Synchrony under promotional advertising of 48 months 0 % no interest. I received approval email and was told card would arrive in the mail 7-10 days. 
on XX/XX/XXXX Synchrony Bank issued a letter indicating they were unable to assign the credit amount requested. I took this to mean I was denied. 
on XX/XX/XXXX I received card credit card in the mail. I logged into my Synchrony cards portal and it was already loaded in there. I never activated this card and thought I had been denied. Yet, here it is - ready for me to make a charge under the assumption of the promotional balance. 
The terms and conditions received in email approval reference multiple promotional balance offers but do not indicate what promotional balance offer this card has on it right now. 
This occurred on a previous card which I opened in XXXX. I applied for ( and thought I received since it was approved ) the promotional balance offer of 48 months no interest. I set up auto balance pay to ensure I would pay off this card in the promotional period. In XX/XX/XXXX, the promotional balance ended ( so was 18 months not the 48 months to which I applied ). This cost me over {$8000.00} in deferred interest when I was on track to pay off timely. 
They are misleading people upon application for their cards - " you're approved '' but not approved for what you applied for. And, they go ahead with opening a card under alternative promotional plans to which you did not agree to ... .banking on that you will make a charge and thereby accepting the new terms. This care credit appears on my credit report, was a hard pull and was not what I applied for. I've spent multiple rounds on customer support to get this cancelled. 
I am cancelling all Synchrony cards for misleading me despite my timely payments, good credit and payoff ability.
Consumer complaint received 2024-10-07
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)

Ordered items on XXXX XXXX. Item was charged, waited for delivery. On day of delivery XXXX tracking shows it is delivered but the photo is of another location that is not my residence. I contact XXXX but they say XXXX. The seller has shipped the item with no ability to file a claim, and that only the seller can make a claim if anything goes wrong. XXXX. They can not give any information due to privacy about who the seller is or where it was delivered, but with my number they could confirm the address shipped, and the name of the person it was shipped to were not mine. Attempted to contact seller and no response. Filed dispute with Chase, uploaded all this information and somehow the institution claims that the charge is valid for goods and services rendered with which I never received.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldridge PIte Haan, LLP (TN)

I disputed the debt with XXXX and the other credit companies. They will not show in my credit file that it has been settled. Ive tried several times. I work hard to try and work in my credit. I also pay off my XXXX  XXXX cards every month but this has not helped my credit scores.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC (TX)

I had money sent to my zelle from family so I can pay my bills to my XXXX. XXXX won't allow me to receive the funds that were sent to my account. It's my money and I feel as though I am being taking advantage of and I just want my money and to close my account out immediately.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid 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)

XX/XX/22 Charge from XXXX XXXX XXXX for {$300.00} on a card that had been blocked due to fraudulent activity. I had previously had Chase successfully dispute the initial portion of this charge as it is for an installment payment on an item I never received. I gave Chase this information multiple times over the phone and in writing. Chase first claimed they would handle it, then claimed they never received the dispute, and ultimately claimed that it was processed too late for them to do anything about it. I have submitted statements to chase after numerous phone calls. 

XXXX {$750.00} from XXXX I had chase successfully dispute {$310.00} of this and requested that they dispute and remove the {$450.00} balance as the vendor had not provided the insurance, restitution, or services included with their shipping plan. I sent Chase the receipts showing the damages that I incurred and offered to send them chat scripts and e-mail information. Chase never followed up or contacted me with regard to these items. Once again, after not properly handling the dispute or following up in the manner that they are required to and advertised, they closed it out and claimed that it was too late do anything. I made numerous phone calls to them. They didn't even promptly let me know they had closed the issue out.