davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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: M&T BANK CORPORATION (MD)

Original creditor : M & T Bank Credit Reporting Agency in violation : XXXX XXXX I have an auto loan with M & T Bank, that I just refinanced because Ive had to sue the dealership placed loan with M & T bank ( despite our presence of lenders ( XXXX ) ) and now them for numerous violations and fraud. I was issued a checking acct. My daughters was attached to my account, but I NEVER had any business with XXXX or the fraudulent charges to my account in my name. My daughter recorded the incident in which she paid through her debit card. Her card was swiped for payment and responsibilities. My daughter used my card once for an extension but I NEVR AUTHORIZED any use of my checking debit card for responsibility or any other payments charges, final billing, or use by XXXX for any reason. I have no signed contract with XXXX and I am not liable to them for any funds. XXXX is notorious for using old hold authorizations far after the contract has been closed out of force extra charges that they can not explain. M & T Bank filed this collections account with XXXX XXXX who is still reporting this erroneous collections account that isnt my responsibility. This account was fraudulently charged accessed ( see card swipes and manual charges ). Highly illegal unlawful.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: AutoNation Enterprises Incorporated (FL)

Autonation XXXX XXXX XXXX XXXX XXXX XXXX, FL Auto loan application- denial of credit application after several approval and lied that I was not approved and also discriminated about my income and bank statement submitted to them, was approved by Autonation  but the dealership refused to grant the sales making false claims and false information that I do have a total lost on my credit report which is not true and serval discrimination statement about my credit and income. I went to the store on XX/XX/year> to the store to report the ongoing situation to the store manager but he also did the same thing kept lying and making false statements so I left politely to another autonation  store but when I got there the car price was increased. 

Date of incident- XX/XX/year> to XX/XX/year>
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I received a call from Chase bank, where I hold several accounts. They asked me to verify a large XXXX payment that was trying to be made through my checking account. I absolutely did not authorize any XXXX  payments and so the customer service agent put a stop to the funds being transferred. I asked her how this could happen ... she did not know but told me to cancel my current account and open a new one with new passwords and new debit card... I immediately went to the branch to do as instructed. When the person at the bank pulled up my accounts to make the changes he informed me that there was a XXXX  payment made the day before which did go through my account. Upon examining the date and name, I confirmed that I DID NOT authorize or submit any XXXX payments to anyone. I do not ever use XXXX. He called the fraud department, explained my situation... I spoke to the agent and verified that I NEVER authorized any XXXX tranfers from my account. The transaction was for {$4700.00}, an enormous amount for me. I was horrified and expected the bank to credit me back that money. They told me it would take 7-10 business days for a credit to be issued. I was not happy with that since it is alot of money to be without, but I had n choice but to wait. Three days later I received a letter stating that I would not be receiving my money back. I was very upset and called immediately. The agent told me when they investigated they found the transfer was made from my IP address and so, they would not be crediting me since it shows on their end that I did the transfer. I believe that is very unfair to a valued long standing customer. I have banked with Chase since 1983 and I have a substantial amount of accounts/money with this bank. I use them because I expect Chase to guard my money... isn't that what we use a bank for. I do not know how my account was hacked or compromised or whatever happens in this cyber world we live in, but it is completing unfair for me to lose my hard earned money. It is not a small, insignificant amount to me. Doesn't Chase have insurance for these purposes and furthermore, I believe they should try to recover the loss from the " person '' who the money was sent to. Shouldn't they find out the account it went into and get it back from them.
Consumer complaint received 2024-08-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I received a letter from this company called Eastern Account back in XXXX of XXXX  and I responded back with a letter asking that under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). As of today Eastern Account System has yet to validate this request or send me out anything that shows proof that this alleged account is actually mines. I have sent out numerous dispute letters asking them for this information to show me something displaying my signature, a proof of purchase and have not received anything but a bill from them, which not proof that I owe this debt and it is mines. 
I have also request from all three credit bureaus the same information and sent out the same letters and they alway reply back with a updated report stating that it has been verified but yet so show proof of how it has been verified as accurate. 
On XX/XX/year> I also filed and Identity theft report and mailed a copy to the Eastern account system and all three credit reports and they have yet to remove this item from my report or to acknowledge the fact I have filed this report assuring them this is not my account.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (PA)

CHASE BANK CREDIT CARDS ( BOTH UNITED AIRLINES { UA } XXXX XXXX XXXX have had multiple fraudulent charges. I've stopped using UA CHASE VISA because they are not removing fraud charges. And XXXX card has me calling them every few days because for no rerason they stop my USE. I find this discriminatory and an ELDER CRIME as they are not practicing any fiduciary responsibility, in fact, I call it now FINANCIAL ABUSE
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.
Consumer complaint received 2024-08-14
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (SC)

I applied for a BestBuy credit card in the XXXX XXXX XXXX  store to receive 18 months interest free financing on a laptop computer on XXXX XXXX. I was told by the store employee that I would have to put down my fiscal address on the credit card application, but I had 5 days to change my mailing address to a Post Office box to receive my mailed statement each month, I was also told that I could set up an online account to pay at my convenance. I called into Citi / BestBuy credit card phone number to change my address. I was told that my card and billing statements would go to my post office box form this point on. I have yet to receive a statement for my first payment, I attempted to set up a online account to pay my monthly bill, but for almost a month the website only gave me error messages that the information that I entered from my card was incorrect. I called in on the number listed on the credit card to get help and guidance to get my online account set up. I was not helped by anyone at Citi XXXX BestBuy to resolve the issue. My payment was coming due on the XXXX XX/XX/year>, and I wasn't provided any technical support to resolve the issues I was having setting up my online account. On XXXX XX/XX/year> I escalated the issue to a manager named XXXX. I explained to XXXX that I had no way to pay my bill online or thru the mail due to website issues setting up my online account, or by mail as I hadn't received a statement, XXXX said there was a technical issue with their website, and that, I should try later. I cancelled my account and ask to pay off my account in full using another credit card. I was told they don't allow payments to be made with a competitor 's credit card, I was told that they would only accept a check by mail, or a payment by phone from my bank account. I was also told that I could keep the original terms of the agreement and still get the 18 months interest free payment plan after cancelling my account. I now have been informed that I won't be allowed to set up an online account after cancelling my card, and that I'll have to either pay by mail, or drive to the local store and pay in person. I think that Citi/BestBuy are setting policy to make it difficult to pay your payments so they can charge late fees, and practice predatory lending. I was forced to make a payment by phone at the last moment to avoid late fees and negative credit reporting. i filed a complaint with XXXX about their predatory lending practices. and I received an email with a Citi XXXX XXXX XXXX XXXX that they would look into my complaint. I have not received a response so far.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

Hello I disputed this to XXXXXXXX XXXX and XXXX  I havent heard anything back. This is not my account. I never had a XXXX XXXX XXXX account for {$3000.00}
Consumer complaint received 2024-08-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received two {$100.00} gift cards ( total of {$200.00} ) that are American Express. I have tried using them in-store and online with multiple retailers and they get declined no matter what. I have activated them and have confirmed their status as active via Amex 's online site. I have confirmed the balance is on the card electronically and I confirm that I have not used them and have kept them in my possession at all times. I have tried to use these cards multiple times. These cards are not expired. The company has not helped me resolve it. American Express has told me that they see no issue on their side but they are unable to tell me why the cards continue to get declined, nor have they advised where the cards can successfully be used. This is not acceptable.
Consumer complaint received 2024-07-04
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I have also filed a police report with the XXXX Police Department XXXX precinct the police report number is XXXX. 

XXXX. XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXXXXXX XXXX  XXXX {$180.00} XXXX. XXXX  XXXX XXXX / XXXX {$110.00} XXXX XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX XXXX XXXX {$490.00} XXXX. XXXX XXXX XXXX {$2100.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XXXX XXXX I submitted a credit card application to Citizens bank ( bank ). 
The denial letter dated XX/XX/year> ( same as application date ) states UNABLE TO VERIFY INFORMATION ON CREDIT APPLICATION I called the bank and a customer service representative ( rep ) verified and confirmed the following information : First and Last names Social Security Number Date of birth Home address Mothers maiden name. 
He transferred me directly to a supervisor ( sup ) who identified him/her self as XXXX XXXX XXXX spelling might be incorrect ). The sup stated that the bank is not able to identify myself. She refused to state any particular details stipulating that I can use that information to correct my personal data in order to obtain credit. This is a violation of the Equal Credit Opportunity Act ( ECOA ). Answering my question, she confirmed that the bank may use applicants origin and ethnicity data based upon how applicants name sound and their addresses in credit decisions. Please note that it is a direct violation of ECOA. She stated that that the refusal is based on the information from my XXXX credit report. Please note that the personal information I provided on the credit application and verified by the bank rep matches exactly XXXX data. In addition, I have an excellent credit rating based upon all three credit agencies data. 
Furthermore, the banks credit application contains XXXX ( legally troubled company known to provide incorrect information ) style questions such as asking about the make of the car I driven XXXX years ago, the street of an address I was affiliated with XXXX years ago and people I do not know. 
In conclusion, the bank obtained my credit report with no intent to consider my credit application in violation of Section 604 the FCRA.
Consumer complaint received 2023-12-06
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. (NY)

I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. 
I have no knowledge how the theft took place. I also have no awareness of any suspects. 
I did not obtain any money, goods, or services as an outcome of identity theft. 
Please remove the following accounts : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$200.00} XXXX XXXXXXXX Date Opened : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$2600.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} XXXX XXXX XXXX Date Opened : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$950.00}
Consumer complaint received 2024-06-26
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: Experian Information Solutions Inc. (MI)

XXXX, Experian, & XXXX are reporting 2 inaccurate accounts and they refuse to remove them. This accounts do not belong on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX. I demand they actually documents used to state these account belong to me. You have 7 days from the filing of this complaint to turn it over or I am filing a lawsuit because you are causing me problems. Experian I have already filed a lawsuit against you.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

I paid collection agency True Accord who had my AFFIRM ACCOUNT in full. It has not been corrected on my credit report under AFFIRM. I have disputed this twice and AFFIRM will not correct that balance has been paid in full. They wont reach out to the collection company XXXX XXXX to verify this. I want this account removed from my credit report as they are not following FCRA rules. I have rights. I also have a receipt from XXXX XXXX showing I paid in full to clear this account balance. XXXX is not following FCRA rules either or checking facts with this account which I have disputed twice
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccuracy on my credit report that has not been corrected despite my efforts. The account in question is Exeter Finance, which is inaccurately reported with an incorrect balance and late payments. 

I have provided evidence proving that the account balance was paid off in full as of XX/XX/year>, and that any late payments and associated fees were voided as per the agreement with the creditor. Despite submitting this documentation to the credit reporting agency, they have refused to update the account information correctly. 

Additionally, as of XX/XX/year>, the account was confirmed to be correct and accurate. However, the current credit report reflects inaccuracies that contradict this confirmed status. 

Under the Fair Credit Reporting Act ( FCRA ), your rights related to correcting inaccuracies on your credit report are specified in several key sections : XXXX. Section 611 ( 15 U.S.C. 1681i ) - Procedure in case of disputed accuracy : This section outlines your right to dispute inaccurate or incomplete information on your credit report. It requires credit reporting agencies to investigate the dispute and correct any inaccuracies found.

2. Section 605 ( 15 U.S.C. 1681c ) - Information excluded from consumer reports : This section specifies what information can and can not be included in a credit report, reinforcing that only accurate and current information should be reported.

3. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of furnishers of information : This section requires creditors and other furnishers of information to provide accurate information and to correct any errors reported to credit bureaus.The
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (PA)

I was disheartened to find unauthorized inquiries on my credit report this morning, completely out of the blue. I double-checked by refreshing the browser, hoping it was just a glitch, but the discrepancies remained. I am incredibly frustrated and request a thorough review of the documents I've provided to resolve this issue once and for all, so I can stop worrying.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (TX)

XX/XX/year> the amount of XXXX by XXXX XXXX  and was filed for dispute and it fell under FCRA requirements and they account was closed as well as XXXX XXXX XXXX, and Rentdebt automated collection but they are still reporting on my credit report. I have reached out to XXXX and XXXX to get the matter resolved as well but they have done nothing.
Consumer complaint received 2024-09-12
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)

Errors in identity data such as wrong name phone number or address. In counts account from identity theft. I am reporting all my credit reports using XXXX XXXX. XXXX and Equifax, XXXXI was hacked by XXXX XXXX XXXX XXXX which exposed all my information.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Best Buy regarding fraudulent practices and mishandling of my credit card information. Below are the details of the incident : **Incident Details : ** - **Date of Incident : XXXX - **Location : ** Best Buy, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX **Description XXXX ** In XXXX, I visited Best Buy and was offered a discount if I applied for a Best Buy credit card. Despite clearly expressing my intention to pay for my purchase with my debit card, the cashier, who appeared to be inexperienced and possibly underage, illegally charged the purchase to the newly opened Best Buy credit card instead. This action was taken against my explicit instructions and without my consent to use the credit card. 

**Subsequent Actions Taken : ** - Following the incident, I immediately contacted Best Buy customer service and filed multiple complaints over the phone. During these conversations, I specifically requested that all communications be documented and preserved. 
- Best Buy acknowledged their error in charging the incorrect payment method and assured me that the credit charge would be rectified. However, despite their assurances, the charges continued to appear intermittently on my account, leading to confusion and frustration. 
- Furthermore, the erroneous charges have resulted in late fees being reported on my credit report, adversely affecting my credit score.