davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm writing to ask that unapproved credit inquiry be taken off my credit record. I discovered inquiry on my credit report that I had not approved when I obtained a copy of my credit report. 
XXXX XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I don't recognize this inquiry I never apply foXXXX XXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

To whom it may concern, I am writing to formally dispute the presence of the XXXX XXXX XXXX. account on my ChexSystems report, as referenced under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account is associated with the name XXXX XXXX and the address XXXX XXXX XXXX, XXXX, XXXX  XXXX, with the reported SSN/ID XXXX. 

Account Details : - Date of Closure : XX/XX/2021 - XXXXACCT # : XXXX / XXXX - Original Charge Off Amount : {$9100.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/2021 Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), I assert my entitlement to a precise and equitable representation of my credit history. This statute imposes an obligation on information furnishers, such as XXXX XXXX XXXX, to furnish accurate and complete information to consumer reporting agencies. 

I challenge the accuracy of the reported information and dispute the veracity of the debt in question. Additionally, I request that, in accordance with the FCRA, a thorough investigation be conducted into the legitimacy of this debt. I seek assurance that, beyond any prescribed investigative timeframe stipulated by 15 U.S.C. 1681s-2 ( a ), if applicable, the contested account will be promptly removed from my ChexSystems report . 

Furthermore, I request validation of the debt in question. Kindly provide comprehensive documentation verifying the legitimacy of the reported account, including details on the original charge off amount and pertinent closure information. I have enclosed the following documents, -Current Utility BILL -Current State ID -Current SSN I am cognizant of my rights under the FCRA and anticipate that Chex Systems will undertake a diligent examination of this matter, adhering to the statutory provisions. A prompt written confirmation of the investigation 's outcome, as well as the removal of this account from my ChexSystems report, is earnestly requested. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

My XXXX practice suggested Care Credit as a solution for a {$7000.00} XXXX  procedure. I signed up in the office and immediately had the funds available for the procedures. After paying on time every month {$220.00} for a year with my balance looking like {$5000.00}, I received a notice the introductory offer was over and I now owed {$7100.00}. More than I originally agreed and with a new monthly due of over {$430.00}. What???? Nearly {$2000.00} in interest.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

XX/XX/23 XXXX in charges were charged to my account in the middle of the night - 9 charges to one merchant. I received a text asking if it was me which woke me up in the middle of the night. I responded no, immediately turned off transactions and cancelled the card. I filed a dispute, declined. I filed a rebuttal, declined. I filed a rebuttal which included a copy of my transaction history with the merchant and a police report, declined. On the phone just now they told me to file and insurance claim. When I asked what needed to be given to them outside of my first born child ( I was upset ) they just repeated the things I already submitted to them. Their literally is nothing else to give. 

I have attached a copy of the police report, XXXX complaint number, transaction history as well as account information.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

I was presented in an email from Chase Bank the Chase XXXX credit card application ( see attachment below ) and advertisements on television like on the XXXX XXXX channel. The email I received presented this like a credit card application. After I made my first purchase, I received a payment statement demanding the entire amount of the balance be paid. There appeared to be no month-to-month payment option. On XX/XX/23 at approximately XXXX I called the XXXX number on a letter sent to me and spoke to XXXX ( ID # XXXX ) who could not respond to my card payment options problem but instead transferred from his " payments '' department to XXXX in the " customer service '' department who insisted that I be transferred back to the payments department. This kind of misrepresentation in print, email and television and inability of Chase Bank representatives to address this problem is shameful and disgraceful. These misleading and aggressive practices that I liken to loan sharking tactics. I wish to have a payment program typical of a credit card with normal and customary interest rates and terms, not the 30 % and immediate payment as imposed by Chase Bank.
Consumer complaint received 2023-11-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

In XXXX, I applied for XXXX funds through the Commonwealth of Pennsylvania in order to achieve full reinstatement of my loan, along with six months of future payments. During the late spring of XXXX, Lakeview and/or Loan Care ( the sub-servicer ) confirmed to XXXX that {$13000.00} was needed to fully reinstate my loan and also confirmed that {$4800.00} was needed to maintain my account in current status for the following six monthsthrough XX/XX/XXXX. XXXX then provided said amounts to Lakeview and/or Loan Care. 

It is my understanding that Lakeview and/or Loan Care servicing provided the wrong amount to XXXX initially, and that XXXX actually made an overpayment. Lakeview and/or Loan Care nevertheless claims that the account is delinquent and that {$2400.00} is owed. 

In order to accept XXXX funds, Lakeview and/or Loan Care agreed that my account was current. Given that the full payment ( s ) have been made, I do not understand why my account is in delinquent status. 

Please immediately correct this failure, ensure that the mortgage delinquency as of todays date is set to {$0.00}, remove any and all late fees, and place my account in current status as of todays date, so that I may continue to make my normal monthly payments starting XX/XX/XXXX. 

If some genuine delinquency remains, please immediately contact XXXX to inform them of the shortage so that the issue can be rectified on their part. Please correct any erroneous reporting of my account status to the credit bureaus.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (KS)

I was advised my social security number and other financial information was leaked through the XXXX data breech. Ever since then, most of my banks end up with unrecognized charges. Someone is fraudulently accessing my accounts and doing major damage to me financially. 

My discover checking has more unauthorized transactions than I can count and my XXXX was also hacked. XXXX XXXX  sent me $ XXXX worth of payments but I didnt receive the first two, ( {$4000.00} & {$8400.00} ). Those two were stolen by a XXXX XXXX sent numerous emails and calls to XXXX and XXXX and I still havent got my money. You can see in the XXXX photos uploaded there is the name XXXX XXXX listed at the top of the notifications. 

This individual added my phone and email to her account so she could reroute my funds into XXXX account. XXXX advised my insurance company to take action and they have dropped the ball claiming that when they contact the issuing bank, which is XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX does not give them any access to the insurance companies financial information however, I have a document from XXXX instructing XXXX XXXX XXXX to take action, and to dispute the first two payments and question and XXXX would voluntarily without any issue. Go ahead and Refund those payments and send them to me, however, travelers insurance claims that their bank does not give them the option to do so If somebody could hold XXXX responsible and demand that they resend the {$12000.00}, I would be satisfied with XXXX, however, Discover, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX all have outstanding balances
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " I HAVE THE RIGHT TO PRIVACY ''. 15 U.S.C 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (VA)

I mailed XXXX {$70000.00} personal checks to my friend in MA to do a favor and send them to the hospital for the deposit on my friends XXXX XXXX. This was XX/XX/23. She put the checks in her account expecting a 5 day hold. My {$140000.00} cleared my bank in Virginia on XX/XX/23 but they have never received the checks. Santander Bank XXXX  MA has had a hold on my friends account with her pay checks and my XXXX {$70000.00} checks since they were deposited. Santander sent an email to my bank XXXX XXXX and told them for me to get my money they would have to file a fraud claim. My bank refused because they said I had done nothing fraudulent that my checks were fine because Santander had already cashed them. As of today my friends condition is worsening and they still refuse to give me my money they say it is under review. It has been almost for a month now. Please help me save my friend. Thank you so much. I have documentation if needed. One more thing XXXX XXXX closed my account this week,
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (LA)

After reviewing my credit profile on XX/XX/23 I identified a discrepancy with the account listed under HUNTER WARFIELD INC and validation was requested as this is an account that I did not recognize. The credit even threatened to sue me. I reviewed my credit report again on XX/XX/23 and the account continues to be reflected on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/23 there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (UT)

XXXX ACCT : XXXX XXXX XXXX I opened an account with XXXX, which turned out to be a HUGE mistake, a XXXX XXXX ago. I had a garnishment about to reach my old acct and wanted to remove the money quickly. I couldn't link a bank to XXXX to do wire transfers so I deposited XXXX checks for XXXX and XXXX. Immediately I had the deposits held for XXXX days. No big deal for a few days because I didn't have a debit card and just needed to move the money to new acct. The XXXX cleared. The XXXX did not because I couldn't keep waiting for XXXX to extend holds wk to wk to wk. I was locked out of my acct with the XXXX still in it. I was told I was a " fraud '' and I had to talk to the fraud department. This is my money in the acct. My deposits. From my own account elsewhere! I talked to fraud, explained things and they still told me I had to physically go to branch and sign a bunch of affidavits and statements like I had committed crime... with MY money! I will not do that and if my money in the acct isn't accessible within XXXX  days, I will sue XXXX over XXXX. Trust me. I've sued for less. I will report them to the XXXX and anything else I can think of. After being accused a fraud with my own money I won't be doing business with XXXX and I won't be going into a branch. The money needs to be returned immediately. XXXX needs to unlock access so I can transfer the Money out. I'm not messing around with this anymore.
Consumer complaint received 2024-01-05
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: Neon Newco Corporation (WV)

i bought the prepaid card for online purchases, i have tried to use it multiple times and it keeps getting declined, i tried to take my money back at an atm and it was declined and i was charged a fee for it being declined at the atm. i tried to rectify by calling the customer service number but there is no way to talk to a person to fix the problem, it is only automated replies, i went to their website to get answers and tried to use the chat feature, i got an XXXX chat bot that eventually told me to call the customer service number because it could not connect me to a live agent. and of course the customer service number doesnt allow you to talk to a live agent either, so i sent an email and the response said to call the customer service number. i just want to use my card for online purchases but it wont allow, also when i went through the account verification process on their website, it said there was a problem with the verification and to call the customer service line to fix it, again not any way to fix or talk to a live agent on the phone, this is very frustrating.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, a person called saying that he was an investigator from Bank of America 's Fraud department. He stated that someone used my information to apply for a loan on XX/XX/2023. This person attempted to make XXXX transactions on XXXX of {$500.00} each and to stop them he said I needed to enter " codes '' through XXXX. This occurred on XX/XX/XXXX, the same day as the phone call. He continued to call and asked to input these " codes '' which ended up being money taken out of my account. He said my account was violated and an employee from the bank had stolen my information and he was going to try to stop him because he said that the employee had taken from my account. This resulted in {$11000.00} being withdrawn from my account. Due to this, my bank account got locked and I was no longer able to access my funds which led to him asking me to cash some checks and send the money through XXXX XXXX, XXXX XXXX, and XXXX to XXXX to a supposed supervisor to put the money back into my account to " reactivate '' it. It was four checks of {$9700.00}. He said that if I didn't complete this request my account would be inaccessible for 7 months and he said I wouldn't be able to access my account to pay my bills. He never asked for any information, he was able to see my balance as well as my daughter 's balance and he got her involved and asked her to put in the last code that they needed to reimburse the money he had from my account. The number from where he was calling first had a recording claiming to be Bank of America, they would claim the phone call was being recorded, and each time they would say a code as if it was a secured employee code from Bank of America. At some point during all of this more people began to get involved saying they were general managers and supervisors from the Fraud department. My daughter and I had to open new accounts on XX/XX/2023. XXXX specific individual continued to call my daughter still claiming to be from Bank of America and that he wanted to finalize the process and put the money back into the account.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

There was a fraudulent transaction made on my debit card in the amount of XXXX through XXXX XXXX. It was made on XX/XX/2023. I checked my bank account that morning and found it. I immediately called my bank and reported it. They denied my fraud claim and said they were able to refund me any of the money because I have submitted too many fraud claims in the past.
Consumer complaint received 2024-01-05
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: CITIZENS FINANCIAL GROUP, INC. (RI)

I was involved in a case of identity theft and this involves my bank credit card, the bank gave someone else access to my account and he made fraud charges. 

The total amount is {$4000.00}, and my credit limit is only {$500.00} The Bank is Citizens Bank Credit Card Company.

I have a few statements on my account with someone else 's name on them. 

I have a police report and an Identity theft report as well. 

They wanted to provide Citizens Bank Credit Card with a copy of those but did not want them. 

This issue has been going on since XXXX.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I received a copy of my credit report and found item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Consumer complaint received 2018-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Good afternoon, I am writing because Credit Acceptance Corp has called me before XXXX XXXX on a Sunday morning to inquire about payment. I had previously instructed Credit Acceptance Corp to refrain from calling and they decided to do it anyway at XXXX XXXX  approximately this Sunday morning. I informed Credit Acceptance Corp to contact me in writing and not my cell phone in the past. I reminded the woman today  and she said she was going to keep calling and calling she did. After blocking out her number, she called from yet a different number. This is harassment and today is Sunday and they are calling outside of business hours. Based on my understanding of the telephone/bill collection rules, the company could be fined {$1000.00} each time for willfully violating collection laws via telephone. 

She called me from the following phone numbers : XXXX at XXXX XXXX CST and at XXXX XXXX CST. She called me from XXXX at XXXX XXXX and called me at XXXX at XXXX XXXX and at XXXX XXXX. 

I paid my XXXX bill one week in advance and I understand that the bill is due on the XXXX of the month and haven't paid it yet, however, that does not give them an excuse to call outside of business hours and call when I've requested everything in writing.