davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

Messages can not be read or found at Synchrony Bank website which they sent me. Also, i have sent messages to Office of the President XXXX XXXX XXXXXXXX ) but today for the first time i get this reply saying : this is not a monitored email, yet XXXX XXXXXXXX - XXXX XXXX sent me the following email from this address on XXXX : Hi XXXX XXXX, I am responding to two voicemails I received from you on XX/XX/2024, where you requested to settle your remaining CareCredit account balance for {$600.00}. You also advised you wished to discuss the matter via email.... 

Sincerely, XXXX XXXX. 
Corporate Consumer Relations, Senior XXXX XXXX, i got the following reply from this same OFFICE OF THE PRESIDENT XXXX XXXX XXXXXXXX ) : Hello XXXX XXXX, We have received an inquiry from you or someone on your behalf. Communication is important to us, and we are beginning our investigation process.... 

Sincerely, Synchrony Corporate Consumer Relations ( XXXX ) XXXX This e-mail is being sent from an UNMONITORED E-MAIL ADDRESS. Please do not send any emails in response to this notification.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (VA)

Unauthorized charges made to my chase bank debit card. Chase came back and told me the charges were authorized and overdrew my account in response to this. I was not even in the same location at the time the charges had been made. I have disputed this three times but chase says that the charges were authorized when they were not. They refuse to help me any further.
Consumer complaint received 2023-11-02
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. (CA)

Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. The following is the error that I have identified : XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Also please take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-19
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-12
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: DISCOVER BANK (FL)

I am disputing the amount of {$90.00} from the XXXX transaction for earbuds. Reason because I get a bad XXXX XXXXXXXX XXXX XXXX that I never have before until I started using the earbuds that I'm disputing. I tried to resolve with XXXX by asking to return the item for a full refund they did not corruperate earbuds was sent out to XXXX and they sent it back so therefore I'm requesting for the amount of {$90.00} to be disputed effectively thank you.I am writing to dispute a charge of {$90.00} for a pair of earbuds purchased from XXXX. The reason for this dispute is that I experienced a XXXX  XXXX XXXXXXXX XXXX  XXXX  after using the earbuds, which I had never experienced before. 

I attempted to resolve the issue with XXXX by requesting a return of the item for a full refund. However, they did not cooperate, and the earbuds were sent back to me. 

Therefore, I am requesting that the amount of {$90.00} be disputed effectively. Thank you for your attention to this matter. 


These are documents that was sent out to discover to resolve. 

I have sent all information that was needed and everything I have said is correct. XX/XX/XXXX I call XXXX about XXXX XXXX I was getting while using there profucts and I wanted to return for a full refund! I was told I have to sent out the product for it to get evaluated I made it clear that after whatever evaluation that was going to get perform that I did not want the products back due to the XXXX that I get from it. I sent the product back and sent all pictures to the XXXX which was the case XXXX XXXX XXXX XXXX would call and leave voicemail in an unknown number to let me know updates etc. XX/XX/XXXX was the last voicemail and update I received from her letter me know that they have received the product back. Then on XX/XX/XXXX I recieve a call from a number letting me know they have sent the product back because evaluation is cleared I told them I have made it clear that I don't want the product back do not sent it back. As I read through XXXX evidence it state that I only call about the status of order that is all false and incorrect and I demand that a full refund be posted to my account at this time because I did everything on my end to resolve this issue!
Consumer complaint received 2024-07-22
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: I.C. System, Inc. (OH)

Someone fraudulently used my information to open a account with XXXX XXXX that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information on the account listed below. 

XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-09-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company (MA)

In XXXX of this year, I received a communication from Freedom Mortgage offering to refinance my existing loan at a lower interest rate. The loan officer assured me that all associated costs would be covered by their company. We proceeded to schedule a closing date for XX/XX/XXXX. However, the day prior to the scheduled closing, I was informed that an additional amount of {$270.00} was required. Despite our dissatisfaction with this development, we agreed to move forward. 

Regrettably, a document that required our signature was overlooked, necessitating the rescheduling of the closing to XX/XX/XXXX. At this point, the amount required for closing has unexpectedly escalated to {$4400.00}. Throughout this process, no explanation was provided regarding this increase, nor were the documents we were required to sign adequately explained. I have made numerous attempts to contact their office to address these issues, but have not received a response during business hours. It appears that the initial loan offer was misrepresented or not as represented.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My account was created XX/XX/XXXX with Coinbase XXXX Account changed to XXXX around XXXX could still login up until XX/XX/XXXX XX/XX/XXXX tried logging in from XXXX, account blocked contacted support several times and told it would be resolved, it was not XX/XX/XXXX I contact support via new coinbase account, follow steps to set up account and pass quiz. Support tell me that since my account is high value it will be resolved urgently and funds transferred to my new account. I send a selfie with passport and todays date to support to finish security. Told that specialist team will follow up with email after funds transferred No follow up email 3 weeks later I contact support again and Im told my funds were liquidated because I set my account up with Coinbase XXXX XXXX XXXX and all funds were sent to the State of Wyoming on this date XXXX XXXX XXXX I highly suspect internal fraud at coinbase support
Consumer complaint received 2024-09-23
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: CITIBANK, N.A. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked my credit report and seen unknown inquiries on my credit report
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Around XX/XX/year> Capitol One placed a freeze/block on my checking XXXX account. Their reason for this freeze, I was told this by customer support, was a routine XXXX transfer from a third party. I regularly trade currency, RMB for USD, on a website called swapsy.com as I live and work in XXXX. I have used this service receiving many XXXX transfers into other bank accounts for 5 years and have never had a single problem. The XXXX transfer I received was initially credited to my bank account with no problems, I debited the money for a purchase, and only XXXX days later the account was frozen with the account having a balance of roughly {$7.00}. The XXXX transfer can be fully trusted and vetted by contacting XXXX or XXXX. 

At the time of the account freeze, I had just initiated a {$5000.00} transfer from another checking account and I could not stop this process. So, unfortunately, my {$5000.00} arrived into a bank account that was frozen. This money I desperately need for my finances and I am in severe mental and financial distress at the loss of my money. When I ask Capitol One when this can be resolved, I am only told that the account is under " investigation '' and they will not give me a timeline for how long this will take. Despite my desperate pleas to customer service I am repeatedly told, " We are ending our banking relationship and will not provide a timeline for access to your funds. '' I am demanding that you unfreeze my bank account and/or release my funds immediately as this is my hard earned money. As well, I have emailed and am mailing the same demand letter for release of my funds. I will continue to pursue this money endlessly. I will not stop until justice is served. I am prepared to report this matter to relevant media sources including but not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX, XXXX, XXXX. In addition to media contact, I have searched the web and found Capitol One has done this to many people, victims. I intend to begin an online forum to find victims of Capitol One fraud and begin a class action lawsuit against Capitol One. I will not rest until my money is returned and other victims of fraud inflicted by Capitol One are given justice. 

I only consider myself lucky to have other funds. Unfortunately, I am now using my stock portfolio to pay bills at a great percentage loss. 

I offer Capitol One the opportunity to lawfully return my money to avoid further legal actions.
Consumer complaint received 2024-09-23
Product: Credit reporting 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: LEXISNEXIS (CT)

Around XX/XX/year> I requested my insurance score report from Lexis Nexis after receiving insurance from XXXX XXXX XXXX sent a letter with a link. The link didn't work. Called customer service, they couldn't get it to work. They said they will send over another link by snail mail. 

XXXX? I received the XXXX letter with the link, letter is dated XXXX which is weird because it was after the 1st link didn't work and that letter was dated XXXX. I Are they back dating letters they send out to consumers? 
The 2nd link didn't work, Called customer service, they coul n't get it to work. They told me they would send me a PRINTED REPORT. This was XX/XX/XXXX I waited for the snail mail, no report arrived. Called them and they said they see that the report went out. I told them I haven't received it, they say they are going to send out ANOTHER? printed report. 

XXXX - no report received. Called them, they said they would send out a ANOTHER copy of the printed report XXXX NO REPORT RECEIVED, filing a complaint
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. ()

I am writing to formally dispute a {$400.00} debt that has appeared on my credit report, allegedly associated with an apartment complex I vacated over a year and a half XXXX XXXX XXXX in XXXXXXXX XXXX. After investigating, I discovered that I was never notified of this debt nor provided any opportunity to dispute it before it was sent to collections. This failure to notify me violates several provisions of federal and state consumer protection laws. 

Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I should have received written notice of this debt, including the amount owed and the name of the creditor, within five days of the debt collector 's initial communication. I never received such notice, and therefore was not given the legally required opportunity to dispute the validity of the debt within 30 days of that communication.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information, such as debt collectors, have a legal obligation to ensure the accuracy and completeness of the information provided on a credit report. The fact that I was not informed of any outstanding balance prior to vacating the premisesconfirmed by property management at the timefurther suggests that the reported debt is inaccurate. 

Upon reviewing public feedback from former tenants, it appears that XXXX XXXX XXXX has a documented history of engaging in similar questionable practices, raising concerns of fraudulent or deceptive conduct that may violate state consumer protection laws as well. 

I demand that this debt be removed from my credit report immediately, as it was reported without proper legal notice and is invalid. I also request confirmation that this matter has been resolved, and the erroneous debt has been cleared from my credit report. 

If this issue is not addressed promptly, I am prepared to pursue legal action under the aforementioned statutes for the damages caused by these violations.
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (NV)

I have communicated multiple times with them and the havent send me my request for debt validation showing my signature my self opening that account or that I did any transaction with my signature. Picture its from my last interaction with this company that I have proven they dont have my phone number their base because the email.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I am writing to submit a formal complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, EQUIFAX, XXXX AND XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of EQUIFAX, XXXX AND XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.