davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Braviant Holdings, LLC (MS)

This matter has been ongoing with Balance Credit since XX/XX/XXXX. Now, Balance Credit has shared my personal information with the XXXX XXXX XXXX, which I did not know. Now I'm receiving threatened voicemails and emails until today XX/XX/XXXX!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Around XXXX of XXXX  my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within 2 business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX. TD still has failed to properly investigate the matter.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX. I logged into my account app and it said account restricted after a {$600.00} payment posted and nothing else was told other than restricted and XXXX credit available when I called they told me the account was closed and I would never receive a letter in the mail as to why the account was closed. I was also told the reason that it was closed was too suspicious activity on my account, I was just using my card. I went over my limit, but I immediately made a payment as mentioned above of {$600.00}. I believe they closed my account because my credit score to XXXX and a couple days later it jumped back up to XXXX. This was nowhere mentioned to me, and I believe this account should stay open
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/24 my computer came up with a notice that it had XXXX viruses, so I googled XXXX XXXX on another device and called who I thought was XXXX XXXX, but it wasn't, it was a hacker. He downloaded an app called "XX/XX/XXXX '' and was able to access my computer. I repeatedly asked if he was for sure working with XXXX XXXX and each time he replied " Yes ''. Once he had access he stated that he had to generate charges to track the hackers IP address. Between XX/XX/24 and XX/XX/24 he created {$14000.00} charges on my Chase Bank debit card from XXXX ( which XXXX concurs are fraud charges ) and on XX/XX/24 {$1600.00} worth of charges on XXXXXX/XX/XXXX ( which XXXXXX/XX/XXXX concurs are fraud charges ), but XXXX will not refund any money because they state I authorized the charges by letting them into my computer. The hacker also generated and {$83000.00} wire transfer to XXXX XXXX on XX/XX/24 that Chase Bank also will not refund. I also tried speaking with the XXXX at XXXX XXXX about the misrepresentation and he only stated he wasn't aware of any issues like that. My husband and I have filed reports with the FBI, local police,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX FTC, Identity Theft and anyone else that will listen or talk with us.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank stop me from accessing my account. Then when I ask Truist to take the hold off my account they give me run around I go to the different Truist bank branches they say there is nothing they can do. This been going on the whole week of XX/XX/XXXX and still going on. I cant get to my money
Consumer complaint received 2023-11-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UMB FINANCIAL CORPORATION (OK)

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX and transferred {$10000.00} into it, on XX/XX/XXXX I received confirmation they had my money and it showed up on my XXXX XXXX XXXX  dashboard. On Thursday morning XX/XX/XXXX I went to the XXXX XXXX XXXX dashboard and my {$10000.00} was missing. XXXX XXXX XXXX can not be contacted by phone, so I had to submit a support request via email at XXXX XXXX central time at XXXX XXXX XXXX responded that UMB their banking partner had closed my account to fix a problem ( no one informed me ) and were opening a new account for me ( no one asked me ), which should be done by the end of XXXX week. The problem is and was no one contacted me about a problem with my personal account or money and asked me for my permission to close/change my account and all I knew was my money was missing as it was not in my bank account and was not on their dashboard, my money was missing and no one could show me where it is. I tried talking via phone calls to XXXX  who has my XXXX ( different division ) and UMB Bank ( who fulfilled their obligation by informing XXXX XXXX XXXX ) who took my money somewhere without my permission and could not get anyone to show me my money, it was in corporate limbo. I informed them I had not given anyone the authority to close/change my account and I wanted my money back and to close my account after multiple phone calls and emails I was assured that my money would be back in account in 1 to 3 days, it is still missing and no one can tell me where my money is.I am XXXX and can not believe working in a related banking business for 47 years that they had any right to close my account for any reason without my permission. Waking up with {$10000.00} of my money missing was and is very stressful and I can't believe they had authroity to do so, please don't let this happen to anyone else and please help me get my money back.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

My bank chime won't help me. I purchased something online. Never received it. Multiple times I contacted the company but no resolve. Chime denied my dispute and provided me with no information. XXXX is all its over.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This is NOT a fraud complaint. Do not place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

15 USC 1681e ( b ) According to the IRS canceled debt ( Charge Off ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. These are the accounts and please stop letting them get away with updating these 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 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  ... Please delete these accounts Off my credit. Thank you.
Consumer complaint received 2023-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

On a letter dated, XX/XX/, I received a letter from PA Housing Finance Agency that read : Notice of Intention to Foreclose Mortgage. I contacted PHFA to inquire why I had received this notice when I had not missed a payment in five years. To which, I have all documentation to confirm. After I spoke with XXXX XXXX at PHFA she informed me to contact accounting via email at XXXX  to request a review of my account with information or statements regarding their claims of missed payments on my behalf. The email I sent to accounting was dated on XXXXXXXX XXXX XXXX As of today, XXXX XXXX, I have still not received even a reply from accounting at PHFA, and it's been a constant game of phone tag with PHFA in the last 10 days due to work and business hours.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I didnt apply or open up a capital one card ending in XXXX in my name and it hurting my credit report in my name it has a balaance of XXXX from a quicksliver in my name i need have this fraud case reopen and im willing to send in a police report if needed but capitol one isnt giving me the fax number and kept putting me on hold too long and would not open up a fraud case and i never use this card at all dont know who apply for this card in my name this is identiy theft
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (TX)

Unfortunately, I have been a victim of identity theft which has led to inaccuracies in my credit reports and driving records. 

I have sent checker important information that needs to get updated before I lose the opportunity to drive for XXXX. 

Until the DMV updates my files, I am allowed to use the Judges stamped court as a way prove my driving elegility.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

All my personal and business Amex accounts were suspended in XX/XX/2023. There were several disputed charges on two business cards ( XXXX and XXXX XXXX ) and I provided details about these charges as Amex requested. They kept my all accounts suspended. In all my correspondence with Amex regarding this issue, they never provided any explanation as to why all my accounts were suspended, particularly the personal cards. 

On XX/XX/2023, they closed all my accounts with no notice or reason provided. I am requesting an explanation for the account shutdown after 17 years as a customer. 

I also am requesting refunds for all unused credits on all my cards since XXXX including XXXX credits, hotel credits, wireless credits, XXXX credits and any other credits I was unable to use. I also would like my accounts reopened, particularly all my consumer accounts as none of them were affected by any of the disputed charges.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I am writing today in regards to my account with Shell Point Account # XXXX. 
A late payment is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/23, I applied for a credit card from CapitalOne with an introductory 15 month 0 % interest rate, a 3 % interest rate on any transfers and a welcome bonus. Knowing my credit score was already rated " excellent '', I applied. In less than 3 minutes, I received a letter indicating that I was not approved based on 2 reasons : 1. Based on information that I provided, my income is insufficient for the amount of credit requested. ( First, I did not request any amount of credit and second, there was no question about the amount. 
2. Based on information that I provided, I have previously earned a spend bonus on this product. ( I do currently have a CapitalOne credit which I received over 2 years ago, which their rules indicate that I can apply for card if it has been 24 months ago ) I do not understand how CapitalOne can make a fair assessment of my finances and credit worthiness in 3 minutes or less, especially when there are only 4 to 5 questions! On top of this, the inquiry for the CapitalOne credit card left a hard inquiry on my credit report, which I want removed! I know that there is definitely something wrong with their assessment process, as I went to my bank the next day and was approved immediately for a similar credit card.
Consumer complaint received 2023-11-18
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: Bridgecrest Acceptance Corporation (GA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
BRIDGECREST CREDIT C XXXX Balance : {$0.00}
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

BILL WAS OVER PAID AS SHOWN IN ATTACHED SCREENSHOT AND NOT APPLIED TO ELECTRIC BILL, AS A RESULT PENN CREDIT, XXXX XXXX INTENTIONALLY NEGLECTED TO MAKE DUE DILIGENCE TO RECTIFY AND ADD A COLLECTION ONTO MY CREDIT REPORT.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I have recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (IL)

I am writing regarding a bill that I received from a debt collection agency for {$290.00}. The bill pertains to a security system service that I received from XXXX XXXX XXXX XXXX XXXX. However, I am bringing to your attention that I had notified the company of my intention to cancel the service in XX/XX/2023. 
In XX/XX/2023, I contacted XXXX and was informed by their representative to take down the security equipment. The representative also told me that our service was disconnected. After giving notice of our intention to cancel service in XXXX, the representative never emailed us a cancellation request. Despite this, we received a bill from XXXX a month later for the security system service. We contacted XXXX again in XX/XX/2023 and were told we were still connected and needed to pay. In XX/XX/2023, XXXX finally sent an email to complete a cancellation request after requesting to cancel service for months. We sent the cancellation request via emailed to XXXX  the same day, and the representative confirmed they received the request. 
As you can see, we took all necessary steps to cancel the service, and we are unsure why we we being charged for a service we no longer have. It's my understanding the phone calls with XXXX customer service were recorded for quality assurance. We would appreciate it if you could investigate this matter and let us know the outcome as soon as possible. 
Thank you for your time and attention.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( XXXX, XXXX XXXX Equifax ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.
Consumer complaint received 2023-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (OH)

Please see the attached notice of arbitration & statement of claims, arbitration demand, and all exhibits. We are now in active litigation and will be assigned a case number soon. This is the official notice of arbitration and will also be mailing out another notice