davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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: JPMORGAN CHASE & CO. (IL)

I applied for an Amazon advertised " Cash Back '' Chase Credit Card with an incentive of a gift {$100.00} dollar Amazon debit card. I put that Chase Credit Card in a wallet and placed it in my bureau. ( I was using my XXXXXXXX XXXX  " cash back '' credit card at the time. ) That was back in XXXX, 2023. 

Today, XX/XX/2023, I opened what turned out to be a Chase Credit Card Statement indicating a balance of {$320.00} for this subject credit card : XXXX XXXX XXXX XXXX ( A credit card I never volitionally used ... Attached below will be the Chase Statements I can upload. ) This credit card is supposedly cancelled. 

What occurred is that this credit card dropped to my Amazon.com account and was automatically assigned as my " Default Payment ''. My next XXXX sequential Amazon Transactions ( Uploaded Below ) were as follows : XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$9.00} XX/XX/XXXX : {$29.00} and XX/XX/XXXX : {$25.00} ( This item was an Amazon gift card " reload ''. It is not something I would charge to a credit card. ) The aggregate authorized purchases were for {$74.00}, however I never authorized any of those purchases to be applied to the Chase Credit Card. What occurred is that in the " Joint Venture '' between Chase Credit and Amazon ( chase.com/amazon ) is that Amazon modified my Payment Defaults and placed this Chase Card as my Payment Method. ( It is my personal account information with billing and shipping addresses, telephone numbers and payment preferences. Yet Amazon entered my private account and took control of my account payment options without knowledge to me. I had no idea those four minor purchases had gone unpaid and were accruing Penalties and Interest with Chase Credit. ) I called Chase Credit and offered to pay the principal but Chase insisted I play the full amount of penalty charges. I called Amazon asked them to intervene and they told me they were powerless to influence the Credit Card issue with Chase. ( Attached below is Amazon 's email to me. ) It is incredulous that these two entities can form an alliance like this, modify my purchase selections and then purport to be powerless to do anything except collect the Penalties and Interest that I had no knowledge I was incurring. It is fraudulent on both of their parts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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)

They are reporting my {$170000.00} XXXX loan as DEFERRED WITH PAYMENTS TO BEGIN IN XX/XX/XXXX. I have requested correction several times. Each time they send me a form letter with no correction to my credit report. In addition they are reporting an extremely out dated account listed as last updated in XXXX so it should actually drop off completely? I even sent through this XXXX website proof showing that XXXX XXXX XXXX account as XXXX DUE PAID IN FULL WHICH THEY ARE IGNORING. I have been turned down for credit because of this and I have proof. I HAVE TRIED TO FIX THIS WITH ALL XXXX agencies several times with no success. 

I am on hold with XXXX. I am trying to get them to correct it as no one at XXXX WILL FIX IT.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

I have had a Care Credit card for several years and made several large purchases on the card. I paid it off, on time, every time. I never missed a payment once. The problem arose when I stopped using the account that my autopay was scheduled to come out of. I used the app, and it had no way of changing the autopay account. I decided to just set a reminder in my phone and pay the bill manually from a different account every month. I never missed a payment ever. Then I started seeing an extra charge on my account, and I called to ask what it was. They were charging me for non payment of my bill, regardless of the fact that I had paid my bill on time, without fail every month!! Then they closed my account for missing too many payments!! I have not yet checked, but I assume that they have likely reported this to the credit bureaus as well. This is completely unfair and undeserving.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

i was contacted by email to pay a debt i did not owe or recognize! i asked for proof and validity of debt! the debt collection company name used was XXXX i have an email to dated XXXX correspondence was XXXX XXXX at email XXXX The email states a company owner called : LVNVFunding LLC says they will not resume collection activity until i am informed of validity. i do not know or owe any money to LVNV Funding! i have requested validity of bill and never received a response! Now a company called Resurgent Capitol Services is attempting to collect the fake debt for LVNV Funding! i have continuously received phone calls by debt collectors and scammers from fake numbers all over the world! i have asked them to stop calling me and i then receive a call from a different number same scammers on XXXX XXXX i received a letter in the mail demanding payment of {$92.00} from Resurgent Capitol Services saying i have until XX/XX/XXXX to i have called the number to dispute the charge and sent to different operators XXXX XXXX XXXX refrence XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (TN)

Per the General sessions court I was served with a warrant and personally accepted service per the person that served the warrrant. 

I was never served and I contacted the company and was told that I accepted service and I was a XXXX XXXX male XXXX foot XXXX This is not acceptable as I was not served and had no opportunity to pay before I was garnished and now have a judgment against me.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc. (FL)

First Financial Asset Management has never once contacted me about my debt but had no issues contacting my father via Email. My Father 's email has his full name which is not mine. I am not a minor and I am long from being one. 

In this email the reason the company identified themselves as a debt collector. Revealed that not only did I owe debt, but also the companies I owed too. They included information to access my case with them. And after further research into what they provided my father could very easily with no effort simply log into my case with them and see the exact amount owed. 

The email has automatically subscribed him to regular emails as well. So he will be receiving these in the future. 

I know my rights as a debtor.
Consumer complaint received 2018-08-06
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. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

Received a notice that my Fixed Rate APR will be changing in less than XXXX XXXX. My options are to deal with it, or close the account. They have told me only that " market conditions '' have caused them to raise rates across the board and that the prime rate has affected it. Since the prime rate has not raised XXXX XXXX  ( they are changing my APR from XXXX XXXX to XXXX XXXX  ) I asked for further clarity as well as a formal response to my complaint. They refused to give any sort of confirmation or tracking for my complaint, stating that they don't have that capability and that my feedback " has been recorded '', though there is no way for me to access that information. It's absolutely disgusting that they can raise rates this much with just XXXX or so XXXX  until it goes into effect. Citigroup is not hurting financially.
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) is reporting false information on my credit report. I filed a XXXX  XXXX bankruptcy in XXXX of XXXX  and the vehicle was included in that. The vehicle was returned to the XXXX  XXXX XXXX after my discharge which was granted XX/XX/2023. 

The vehicle was removed off my Transunion credit report after vehicle was returned and a month later on or around XX/XX/XXXX they reported the vehicle back to my Transunion Credit report as being 30 days late, which also made my credit score drop over XXXX. 

I have filed a dispute with Transunion 3 times now and submitted my bankruptcy paperwork and they come back with the same results as account verified and accurate which is not true.
Consumer complaint received 2023-08-08
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: AMERICAN EXPRESS COMPANY (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, AMERICAN EXPRESS Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, XXXX XXXX Reported : XX/XX/2023, XXXXXXXX XXXX XXXX Reported XX/XX/2023, XXXXXXXX XXXX XXXX  Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (MI)

I filed a dispute against XXXXXXXX XXXX XXXX for XXXX transactions because I did not receive the service I thought I had paid for. XXXXXXXX XXXX  claims that they are regulated by the state when in fact because of a law passed in XXXX  allowing all tribal casinos in XXXX  to regulate themselves they are not. They are also not acredited with the XXXX  and have a D- rating with hundreds of complaints similar to mine. Money Lion investigated my dispute and found there was an error and credited my account for some of the transactions and stated any fees related to the transactions would be credited as well. They have now denied XXXX of them which I appealed and have asked me to submit more information, which I have. However, they already investigated the dispute as per their own documentation that I attached and found the dispute in my favor and have credited me some of the transactions. They also stated all fees related to those transactions would be credited as well.
Consumer complaint received 2023-09-14
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. (GA)

This is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX and XXXX XXXX and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

Reporting late or missed payment. Who are they? How can you pay your bills on time and your score still goes down? Like other credit reporting agencies are they too getting lazy and just going with boilerplate response. There seems to be a automatic roadblock for people of XXXX to get credit. Its not just XXXX XXXX.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (MA)

I received credit from Fortiva Credit Card to buy a couch at XXXXXXXX XXXX XXXX store. There was a deal for no interest if you paid it off in the one year period. The last payment was due on XX/XX/2023, however when I paid the balance left of {$100.00} they said that to have no interest I should've paid it by XX/XX/2023. After I paid, on the due date, the final payment I got a bill for {$310.00} in interest. They said I was late with the final payment so I didn't fulfill the no interest deal. I really believe they set the last payment date to purposely have me miss the interest free deal. I rely on my SSDI income, I purposely took strong efforts to pay it off on time with no interest, now they say if I don't pay the interest it will go to collections. I don't know how this is right, legal, or fair.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX of 2023 I XXXX XXXX applied for a Bank of America credit card and was declined upon decline I called and spoke to someone a customer service and advised them in good faith and understanding of my consumer law rights and how the decision for me being denied credit was in fact inaccurate and against my rights so due to the fact I have sent out an affidavit trying to resolve this manner and hopes that they will reverse their decision and choose to abide by the federal laws and my rights above their policy thank you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX  XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I recieved a letter from LVNV Funding aka RESURGENT regarding an XXXXXXXX XXXX XXXX  account and I sent in a dispute letter to them on XX/XX/2023 stating this proposed debt was originally disputed with the original creditor. I sent them this within the 30 days validation of debt notice. On XX/XX/2023, LVNV Funding listed this disputed debt on my credit bureaus with an open balance. Under the FDCPA which governs collection this is a violation of my rights as they can not report this to a consumers credit under a dispute. I want this removed from my personal credit file. 

I have attached my original letter that was sent to them within 30 days of first notice along with an attached screen shot of my credit bureau showing the collection account and balance
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

My Equifax report was mixed with someone else. There are multiple versions of their name showing up on my credit report. Additionally, there was an auto loan that I disputed. I have never used the name showing on my credit report, nor is it me. I disputed and they removed it from my current report, but now it is on all previous reports & may show as an alias.
Consumer complaint received 2023-12-14
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc. (VA)

Ive reached out to this company more than 4 times in the past 3-4 months and STILL havent received any assistance. To submit a ticket, they request a screenshot, but their system wont allow attachments and always throw back an 403 error. Ive explained multiple times that my email is full and will no longer accept emails on the email address I initially registered with. Additionally, I setup 2 factor identification, but I no longer have the phone number associated with the account and have been unable to login to the account to update any contact information for myself. Ive been patient, but this company takes money out of my checking account every XXXX of the month but are non-existent when it comes to providing customer support to their users.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

We sold our old home and our Land Transfer company gave us checks to send out. We sent them out priority mail with tracking numbers. They received the checks for both QVC and Lowe 's to payoff accounts and close them. They didn't do so. When I couldn't get ahold of them I contacted the XXXX and notified them they hadn't paid off the accounts. They finally contacted me and said they actually had the checks but the checks didn't have account numbers. ( the womans name was XXXX ) She stated she was putting the account numbers on them and would post the checks immediately. The next day when I checked the accounts it stated the checks would be returned within 60 days due to no account on them. I have tried to contact them. Tried to chat with them. I have gotten mixed chats. 1. Never got the checks they are missing. 2. Checks are being returned. 3. We have the checks but have no accounts and have to hold for 60 days. So no one knows what they are doing but my payments are in default, my credit is going into the toilet and all the while they have the money to pay it all off. As I check into this company I find out they do this a lot. This is absolute rubbish and they really need to be stopped. I need my money or they need to pay off my accounts and close them so I don't have to ever deal with them again. This is an outrage.