davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to formally request your assistance in resolving an ongoing issue with my credit reports. Specifically, I have noticed that XXXX and Capital One have been inaccurately reporting charge-offs on my credit reports. Despite my efforts to dispute these entries with the major credit bureaus, the disputes are resolved almost immediately, with no changes made to the reports. 

I am concerned that these incorrect charge-offs are negatively affecting my credit score and causing undue harm to my financial reputation. I have provided relevant documentation to the credit bureaus, yet they continue to uphold these inaccuracies without providing detailed explanations. This leads me to believe that the dispute resolution process may not be functioning as intended, or that the information reported by XXXX and Capital One is being processed inaccurately. 

In light of the aforementioned, I have reported these discrepancies to the Internal Revenue Service ( IRS ), as I suspect there could be tax implications related to these charge-offs. Additionally, I am reaching out to your office, as I believe this matter falls within your jurisdiction regarding the regulation and enforcement of consumer financial protection.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MI)

A scammer impersonated Chime customer service after putting a fake number for Chime online. They had me push buttons, then writr a confirmation number while they took over and took {$2700.00} from my account. I called Chime and they wouldn't investigate it or give me his info or anything at all. I'm closing my account as soon as I can. 
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Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (NJ)

My realtor got me in contact with XXXX XXXX from XXXX XXXX XXXX as I was looking into what I could get financed for or what the XXXX purchase price of a home would be under my name. Not once on the initial phone call I had with XXXX did she say she would be doing a hard pull on my credit to look into my details. I had assumed it would be a soft pull, but then I got a notification on my phone that it was a hard pull while I was talking to her. 
At the time I felt like I had to work with her since my credit was already pulled and affected by this. So I worked with XXXX to get her the documents she had requested as well. 
Several weeks go by and she had not gotten back to me. I emailed her on XX/XX/XXXX asking clarifying questions and she got back to me on XX/XX/XXXX stating she was ill and had helped family out but would get back to me the next business day, however she never did. 
Almost 3 weeks later I email her back to close out my application and remove the hard pull on my credit as I was not going to be conducting further business with them. 
Their Compliance XXXX XXXX XXXX stated that they would not remove the hard pull as they feel it was the correct thing to do. 
I do not agree with this, as I was just looking for preliminary information to start with before I would move forward with them as my mortgage company. I want this hard pull removed from my credit, XXXX ghosted me when she could've easily handed my application off to another person within her branch if she was so ill, it's not fair to have it on my credit report for 2 years before falling off.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

dear XXXX, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account XXXX XXXX  Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only XXXX XXXX accurate credit information and to investigate any claims of inaccuracy within XXXX XXXX of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within XXXX XXXX  of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XXXX synchrony bank- XXXX XXXX XXXX- closed my account. I had never been late, nor did I miss a payment- for them to just close my account- with a balance remaining. I had called, and a representative told me that they closed the account due to high balances on my credit. I had explained that if they had looked at my report- they will see that I have NEVER been late, or missed a payment! Not only did they close my account- they stopped me from having access through the app! I asked why would you stop me from accessing the app, when I make my payments through there, and the rep stated I needed to go directly to the website. But why?! How can they treat paying customers like this?!
Consumer complaint received 2023-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (NY)

Contrary to the records held by Exeter Finance, I, natural person XXXX XXXX XXXX, am the original creditor for the transaction involving the XXXX XXXX XXXX on XX/XX/XXXX. Exeter Finance received the authority to be a creditor by extending my open-end consumer credit plan via my credit card. As the card issuer, I issued my credit card to Exeter Finance, where this organization became the cardholder, for the purpose of obtaining property. As the original creditor, the vehicle has already been paid in full by I, XXXX XXXX XXXX, via the finance charge.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (NE)

On XX/XX/2023, I initiated a transfer from my newly verified external savings account to my PenFed savings account. This transfer was immediately returned on XX/XX/XXXX and I was given a {$30.00} ACH returned item fee. I called PenFed to inquire as to why this happened, as this account was verified with the trial deposits, and customer support informed me that the external account number was incorrect when I read back the account number to the customer support agent. 

On XX/XX/2023, I contacted them again to see if this could be removed prior to the closure of the account, as the verification process should have ensured that I was using the correct account, especially so since the trial deposits were successful. This fee was unable to be waived and I would be charged the {$30.00} fee, plus an additional {$5.00} fee for debit card usage, prior to closing my account. They were unable to tell me why the transfer was returned.
Consumer complaint received 2023-01-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

Have had XXXX XXXX XXXXXXXX with. Fraudulent account spoke to them it was reported fraud thru the government, my XXXX to my non profit XXXX and my business XXXX XXXX. They have took out student loans, my XXXX, rent relief, possibly changed my social and have changed their names to mine. Also have XXXX in my name and whole phone hacked
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KLS Financial Services, Inc (NY)

Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from KLS/XXXX and a charge off by XXXX all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's
Consumer complaint received 2023-12-27
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information ; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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: SYNCHRONY FINANCIAL (VA)

2 year argument with Sams Club/Synchrony credit I paid them in full back in APR XXXX 
Filed complaint in XX/XX/XXXX with CFPB Sams Club reduced amount owed from {$20000.00} to {$10000.00} Still incorrect. THey have noted delinquent remarks on my credit report which have prevented me from getting colege loans for my kids, home equity loans from XXXX XXXX and Auto loans from XXXX. 
Please help me get them to acknowledge their accounting was in error back in XXXX XXXX and they have been double billing me ever since. 
In the alternative, shouldn't they have to prove something in Court if they say I owe them money?
Consumer complaint received 2024-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm Inc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST FOR XXXX Dear Sir/Madam, I am writing to request a copy of the XXXX form for the debt that I owed to your company, which was charged off. The debt in question is related to several account numbers and have been charged off for the outstanding balance. 
Account Numbers : XXXX, XXXX As tax season is wrapping up, I noticed that I have not received the required forms for a reported charge off. It is illegal to withhold a XXXX. When you are the fiduciary you have a responsibility to the trust. If you have submitted a XXXX to charge off the debt on the IRS side but did not supply a copy to me that is willful negligence and you are preventing me from being in compliance with the IRS. If you have not submitted this debt on your profit and loss, then this is considered tax fraud for manipulating the loss with a failure to report. I will exercise my right to use form XXXX information referral & form XXXX which is reported to the whistleblower address for the IRS. I will also file a police report and report this to the Secretary of State in which your entity is registered. 
It is essential for me to have all the necessary documentation regarding my financial affairs, including the charged-off debt. I understand that it is a requirement that your company file a XXXX form for this debt, and I kindly request your assistance in providing me with a copy of this document. According to the IRS a XXXX is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more. You are blatantly enforcing an alleged debt after you have received a tax benefit from the charge off. 
Having the XXXX will enable me to accurately report the charged-off debt on my taxes and ensure compliance with all tax obligations. I would greatly appreciate your prompt attention to this matter and the timely provision of the requested documentation. I need to resolve this matter efficiently and appreciate your cooperation in helping me meet my tax responsibilities. 

Thank you for your attention to this request. I look forward to receiving the XXXX for the charged-off debt as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (AZ)

So, I've been checking my credit reports trying to fix my credit and was going alright, but then I see a notification for something new on my credit report and it comes up as FROST ARNETT Last reported XX/XX/XXXX {$780.00} Open balance XXXX XXXX XXXX Original creditor I've had insurance for years and during that time it says which was XXXX of XXXX, I was in a rehabilitation facility and I've had insurance that would cover anything, but now I have this in my credit report. I've never heard of XXXX radiology before. 

Could you please help me. I've tried to dispute this a couple times and still aren't getting anywhere.
Consumer complaint received 2023-12-27
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and accoun numbers and file Your complaint with the CFPB
Consumer complaint received 2023-04-22
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. (AZ)

Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information. This allowance is a violation of my rights and privacy. 
Said inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NM)

I closed my XXXX  account and returned equipment XXXX said balance was paid. 

Now Sunrise debt agency says i owe them {$55.00} and it shows as a collection on my XXXX  report. 

XXXX makes it impossible to file a dispute without a membership
Consumer complaint received 2023-12-26
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XXXX  ) - XX/XX/XXXX XXXX  ( XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I want to remove any late payments in my Capital One account, XXXXXXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (MD)

I was a victim of the XXXX XXXX Hack. TD Bank took my credit down over XXXX points. 

I had a XXXX account that is provided by TD Bank that had a {$2200.00} limit. I used it and paid it off. Then I ordered more on it. I was making my payments until a payment got returned. I knew I had enough in the account for the payment but, it returned. I didn't know what was going on at the time. TD Bank reduced my credit limit from {$2200.00} to {$1800.00}. When I called management I was told that they would restore it if I paid the returned amount. I checked the amount in the account to be sure and made the payment. This payment got returned also and they took my limit down to {$1300.00}. Every time they took down my limit it caused my credit score to drop. 

I found out that my account was 1 of the accounts in the XXXX XXXX hack. I called TD Bank to let them know XXXX XXXX shut my accounts down pending an investigation and all my money was taken. I didn't have any account for 3 months. Most of my accounts took action to make sure this wouldn't effect me. TD Bank instead charged penalties and wrote it onto my credit which caused other creditors to drop me and created a snowball effect on my credit score. Other accounts became more expensive due to the negatives filed and dropped accounts. XXXX XXXX wrote a letter explaining that I had no account during those months. 

Once I got my account I paid the back months minus the penalties TD Bank added and paid every month on time minus the over {$150.00} in penalties. I immediately filed a compliant with TD Bank 's Dispute Department about the penalties that ended up totaling over {$600.00}. This department won't talk to clients and took 3 months to mail results saying the amount was valid which is NOT what the complaint was about. I paid every month while this was being investigated again and they wrote negatives every month. 

There is NO way to talk to anyone with authority. You can't talk to the departments or anyone above them. I was even told by employees that it has to be done from the outside. TD Bank won't fix it.
Consumer complaint received 2024-04-17
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-17
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2018-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

I have contacted TOYOTA MOTOR CREDIT or Toyota Financial Services regarding a late reporting on my credit report. They reporting that on XXXX or XXXX that I was late. I sent the payment via check and they said they didn't receive it, I then made the payment with then and there. I have had this loan since XX/XX/2016 and never been late and I also had another loan with this company that I paid off and was never late on that one as well. I closely track my payments and are never late. It beyond my comprehension why Toyota Motor Credit or TFS would report me late when I was not. I have been a loyal customer for 2 loans  and that I paid on time this is how they treat me by falsely negatively reporting to credit reports when I was not late, after I pay off this loan, I will never do business with TFS again or buy any Toyota vehicles. Such a terrible experience.