davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chime Financial Inc (PA)

I am writing to request the immediate closure of my XXXX XXXX account, which I have never used, and to demand the cessation of inaccurate reporting of this account as a loan to any credit bureaus. The {$XXXX  reported on my credit report is not a loan and its representation as such is false and unauthorized. 
The continued presence of this inaccurate information on my credit report is causing me undue hardship and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
Therefore, I am requesting the following actions be taken immediately : Close the Account : Close my Credit Builder account with XXXX XXXXXXXX XXXX XXXX. 
Cease Reporting : Stop reporting any information related to this account to any credit bureaus. 
Notify Credit Bureaus : Contact all credit bureaus to which you have reported my information and request the removal of any records related to this account that you have submitted. 
Provide Confirmation : Provide me with written confirmation that the above actions have been taken within 15 days of receiving this letter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, XXXX, and Equifax. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. This is a dispute that DEPT OF EDXXXX XXXX also known as Department of Education XXXX XXXX is reporting late payments on my personal credit report that are inaccurate, incorrect, and false. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). The reported dates of the late payments are inaccurate. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (FL)

I am a XXXX  that went to the XXXX  with prior XXXX  XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX. I gave them all of my insurance information ( XXXX  ), including where to send the bill. Several months later, I started receiving bills for this visit. At that time XX/XX/XXXX, I called XXXX, who handles XXXX  XXXX claims and we got the medical center 's billing department on the call with us to make sure they had all the correct billing information again. They were informed at that time that they were not allowed to bill me per XXXX XXXX, but if they sent the bill according to the instructions, they would be paid. I got another bill XX/XX/XXXX, at which time I again got XXXX and the Medical billing department on a 3 way call and repeated the process and was assured it would ber handled. I received an Explanation of Benefits showing my responsibility as XXXX, so I thought it was handled, however, it did not get paid and is now on my credit reports as a collection account. This is against Federal Regulation 38CFR17.1008, according to XXXX. After further investigation, the medical facility still did not bill the correct place! They sent it to XXXX instead of XXXX. I can not get through to XXXX XXXX XXXX XXXX, so I called XXXX XXXX my case manager ) at Credit Management Company. When I told him reporting this to a credit reporting agency violates a Federal Regulation, he said it doesn't apply to them, and they've been in business for XXXX  XXXX. I wouldn't have brought this issue here this fast, except that I'm in a XXXX XXXX XXXX with other XXXX patients and XXXX out of XXXX of us are all dealing with similar situations! What good is a Federal Regulation if it's not being enforced? XXXX, and other medical bills take enough of a toll on our credit without these types of things. I hope you can help XXXX across our nation!!!
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I Im an executor of my moms estate. Nobody lives at the home for the moment. Its currently for sale. My brother checked the mail for the address and it appears someone is attempting to open multiple credit cards and Internet service through XXXX. Ill attach information. The names on these letters arent mine but the address is my moms address.
Consumer complaint received 2024-06-06
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: Global Lending Services LLC (MD)

I was looking over my consumer report and found hard inquires that i do not recognize. According to the 15 USC 1681 law the companies are violating my consumer right to privacy and the companies has no permission to report anything using my information.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (MI)

I applied online on XX/XX/year> for a Chase Saphire Reserve credit card from Chase bank, and I received an email that day thanking me for applying. On XX/XX/year>, I received an email stating that I " have a new letter, '' which I was unable to access online due to not having any accounts currently open with Chase. I called customer service inquiring about the contents of the letter, and they said that the letter said I would hear a determination on my credit card approval or denial in writing within 14 days. Today, XX/XX/year>, I called Chase customer service again due to not heard anything from Chase via mail or email regarding the status of my application since my last contact with them on XXXX, and I have not received any communication requesting additional information, which I am willing to provide if needed to verify my income, etc. I was told by customer service that my application is still " under review. '' I inquired about a timeline for hearing a determination, and they were unable to provide any information. I also asked to speak with someone about the possible timeline, reasons for this delay in approval/denial, and any information that they might need from me, and they said there was no one I could talk to.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TN)

XX/XX/24 while purchasing airline tickets on XXXX, a Special Offer was made on my computer screen to receive a {$400.00} statement credit on the ticket I was purchasing ( I have a screen shot ). I read the conditions for the statement credit ( I also have a screen shot of this ) and decided to proceed XX/XX/24 I clicked on the offer and completed the credit application for Platinum Select Citi Card XX/XX/24 I was approved and given a temporary digital card which I used to complete the ticket purchase ( I have a receipt ) I then waited the required XXXX weeks for a statement credit to be given on my new account The statement falling within the XXXX weeks waiting period closed on XX/XX/24 When I received that statement, I contacted customer service on XX/XX/24 and spoke with XXXX. She advised me to email XXXX XX/XX/24 I emailed XXXX from my personal email explaining I had been offered the special statement credit while applying for a NEW card XX/XX/24 I had not received a response to my email, so I followed up with a second request XX/XX/24 I still had received no response to my email, so I called customer service again. XXXX advised me that they have XXXX BUSINESS DAYS to respond to my email XX/XX/24 I received a letter dated XX/XX/24 and post marked XX/XX/24 ( which XXXX knew nothing about ) denying the {$400.00} new account offer to be applied to my EXISTING account I only opened the account because of the offer and I have no other existing accounts with Citi. 
XX/XX/24 after receiving the letter, I called the number given in the letter to receive further assistance as instructed and spoke with XXXX. He advised that new account inquiries need to be submitted within 90 days. At the 90 day point, I was waiting for the required XXXX weeks to receive the statement credit as explained above. He offered to transfer me to a supervisor and I then spoke with XXXX. She advised she could not help and that I needed to start the process all over by emailing the same email as before. 
XX/XX/24 - I received a second letter denying to honor the offer saying it was a generic online offer and I was not solicited for it. My screen shot says differently. 

To advertise a promotional statement credit and then not honor the promotion is fraudulent and misleading. Consumers should beware.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (MI)

On XX/XX/XXXX, VW CREDIT INC reported a charge off on my credit for a vehicle lease that ended in XXXX XXXX. This was a 36 month lease that I satisfied on XXXX XXXX with my final payment. I have attached the following documents to support my claim/complaint : 1. ) original lease agreement 2. ) the final statement that shows that I had one payment remaining and a bank statement that shows the final payment. ( The vehicle was returned on XXXX XXXX, XXXX ). 

On XX/XX/XXXX as a direct result of this erroneous change my XXXX credit card reduced my credit limit due to this being reported to my credit as a charge off. This has created an inconvenience to me.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (MO)

On XX/XX/XXXX a fraudulent loan from Advance America was taken out in my name using my social security number for {$1000.00} It was deposited into a XXXX XXXXXXXX XXXX account I was first contacted by advance America on XX/XX/XXXX requesting I provide them additional personal information to verify my loan, I refused and told them I dont have any business with them. They continued to harass me on XX/XX/XXXX and again on XX/XX/XXXX resulting in being placed on hold for long waits while they attempted to contact a supervisor who fished for more of my personal information. 
On XX/XX/XXXX i received a notice of default letter. There was an address for a local branch I traveled to seek additional information and request this be removed from my name and record as this is fraud/identity theft. They refused to help me and forced me to go to the local police department and file a police report. 
I filed the report with wildwood precinct # XXXX with XXXX XXXX # XXXX police report number XXXX I shared this information on XX/XX/XXXX with the local advance America branch representative XXXX XXXX and he said he would share it with his manager. He had no additional information on how this would be rectified.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (GA)

I called requested the 1099-C for a vehicle that was repossessed. The customer representative refused each time I contacted them. Stating that they do not do that. Also the pursuit of this debt is more than 6 years old according to XXXX XXXX XXXX, XXXX, and XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing regarding the alleged debt referenced in attachment below. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state. 
XXXX. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. 
XXXX. A complete payment history, detailing all payments made and any credits applied to the account. 
XXXX. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. 

Please note that my request is not an acknowledgment of the debt 's validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested in-formation, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter. 

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 

PLEASE SEE THE ATTACHMENT
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s )
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX - I reported my Citi Double Cash Card lost, and requested a replacement utilizing the Citi Mobile App. My previous credit card number is deactivated at this time. 

On XX/XX/XXXX - I received a text saying my replacement card has shipped, which Citi says will arrive in XXXX business days. 

On XX/XX/XXXX - I notice two fraud charges on my new Citi card that I have not received in the mail and do not have in my possession, at XXXX in Texas on XX/XX/XXXX for {$470.00} and at XXXX again in Texas for the same amount {$470.00} on XX/XX/XXXX. I immediately contact Citi to notify them of fraud and to dispute the charges. I do not live in Texas and have not received my new Citi replacement credit card yet during this time. This new card never arrived in the mail before the fraudulent activity occurred, and the Citi Replacement Card XXXX never updates to show that this card has been delivered to my address in XXXX XXXX, NY. They cancel and shipped me out another card during this time upon reporting the fraud. 

On XX/XX/XXXX - I'm notified by Citi my second replacement card had shipped. 

This card does not arrive in the notified XXXX business day window. 

On XX/XX/XXXX - I contacted and spoke to Citi at XXXX to check on my XXXX Dispute, and they notified me no additional information is needed. During this time I also informed them my card from XX/XX/XXXX never arrived. They canceled the card and again tried to ship another replacement. 

On XX/XX/XXXX - Notified by text my third replacement card attempt has been shipped, which arrived on XX/XX/XXXX. 

On XX/XX/XXXX - I received a mail letter from Citi dated XX/XX/XXXX stating me that I had notified Citi about the unauthorized transactions and that Citi is looking into the dispute and would notify me if they needed any additional information. 

On XX/XX/XXXX - I received a mail letter from Citi dated XX/XX/XXXX notifying me of the conclusion of my Fraud Dispute and that the dispute is closed. The letter states that they were unable to contact me which is the reason the result is not favorable, and I am now responsible for the fraud charges. I immediately contacted Citi at XXXX the same day over this verdict, and the operator is unable to prove with dates or contact methods that Citi contacted me over missing information but tells me that is the reason for the outcome. I assured her that I contacted Citi in the past few weeks and that I was never in possession of this credit card ever as the fraud charges occurred during them shipping me out a replacement card.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (CA)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (VA)

I paid off my bill early. Then they refunded my paying the credit card without letting me know. On the fidelity website. Then made sure I couldn't pay it off that way. I got proof I tried to call multiple times and from different numbers they provided. They then charged me with a late fee. My screenshot proves that. Plus i posted the one that proves i paid off the bill without a refund. The 3rd one proves i paid off the credit card bill in full the day i typed about this. I just saw all of this today on the fidelity website. I am unsure that my payment paying it off from the elan website area went through either ( hence the screenshot ). I took screenshots of all of this including what makes me think it went through when I created the account on their elan website. The only way I am able to think of making this stop is by making a law that forces them to create physical places mainly in the bank itself. A place for credit card incidences of any kind. That way the credit card companies must follow all laws and unable to mess with anyone 's credit. I haven't given up on trying to contact them. I am also unsure that I got the money back in my account from the first payment to them I got XXXX proof to that. I am trying my best to keep perfect credit. I doubt I am the only one having issues with the fidelity credit card. It seems like elan financial services shutdown but kept their credit cards around. That is why I am unable to contact them. That needs to be illegal. That allows them to give people bad credit with nobody to sue and fidelity gets to say not their fault elan a 3rd party place. They need to not be allowed to use them anymore until elan fixes itself and all credit cards like mine needs to be forgiven as long as this continues. I don't know what is going on with the payment I put in and that is partly what scares me. I need that XXXX XXXX  forgiven because I got proof to paying it off on time. I am fine with everybody knowing about this because contacting fidelity 's credit card company absolutely impossible. It also explains how to fix all issues including fraud instead of filling out this form and XXXX willing it goes somewhere and fixes stuff.
Consumer complaint received 2024-06-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

This account was created fraudulently and I have disputed the account via the XXXX app but company refuses to remove account or verify identification methods used to create the account. I can attest under penalty of perjury that I have not signed any contracts for phone service with XXXX at any time. I would like this account removed from my credit reports.
Consumer complaint received 2024-05-30
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: Happy Money, Inc. (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX distress that this negative rating has caused me and will continue to cause until it is resolved.