davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TomoCredit Inc. (NC)

On XXXX XXXX I unintentionally required with Tomo Credit XXXX 
On XXXX XXXX after realizing my mistake I tried to unsubscribe from the plan. 
I sent email to : XXXX because no other form of communication was listed. 
They never returned a message. 
But have been billing me for services never rendered. 
And I am powerless to stop the gushing of money from my credit card.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I review my report consistently. The score does not match the accounts listed nor is the account information correct. Meaning, the score is changed upon potentially negative information, however, when that information is corrected and/or updated after a dispute, etc., TransUnion is not adjusting the score. Additionally, my " insurance score '' is quite high, XXXX out XXXX, XXXX being the lowest possible, when there is no reason for such. I do not have that many accounts and/or information that would impact the score in such a way. The inaccuracy of my credit information that TransUnion continues to refuse to correct and/or properly report has impacted my insurance premiums, housing, etc.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Egon Singerman, Attorney at Law (TN)

Additional info on XXXX asked to refile XXXX XXXX Egon P Singerman Proceeded to sue me over a supposed debt late found to be represented by fictitious documents in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I brought up improper venue numerous times. Only to find out XXXX XXXX was using his office as my address to qualify me as an Ohio record When questioned about such tactics, XXXX XXXX proceeded to mention, that he was exempt from standard debt collection practice, and that it was not in his best interest to pursue licensing in all states and pursue suit in defendant 's home courts, and using his office 's address as plaintiffs was standard practice. Being a XXXX  resident I was unable to secure adequate counsel to defend me. Upon consulting with local attorneys in XXXX, but not licensed in XXXX, I was advised to not worry about it unless it was filed in Tennessee XXXX XXXX later used the fictitious/fraudulent exhibits against me. Fast forward to XX/XX/year>, and without notifying Tennessee courts or communications. XXXX XXXX proceeds to his office address as notice to execute a bank levy, of which I was abruptly notified today, XX/XX/year>, by my bank, XXXX XXXX. I attended a hearing on this XX/XX/year>, presided over by administrative law judge XXXX XXXX. The court was noticed about the previous death threats, and they upheld that termination of life by a bullet is an accepted debt collection method in XXXX. They were also noticed the fraudulent documents in the docket which they acknowledged they were in receipt, but acknowledged Ohio lawyers were exempt from prosecution if it helped prove their case. 
Attached Contract XXXX XXXX points to Paragraph XXXX where case it is to be heard in XXXX XXXX, Fraudulent accounting log provided by XXXX XXXX and my audit of said log
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Wal-Mart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i have store website i always shop on.I spend over XXXX XXXX dollars a month with our my XXXX, other goods.I shop using my Capital One Wal-Mart credit card online at this store.My order was on XXXX XXXX i order my 2nd purchase for identical Orbic cell phone prepaid XXXX, its same i bought my wife week before this one we got it by XXXXThis time Wal-Mart as i understand it was sold by Wal-Mart and website advertising, orders over {$35.00} gets 2day shipping fom XXXX  or XXXX.Today is Friday XXXX i tried getting support from ecommerce online Wal-Mart to cancel out order not got my XXXX XXXX XXXX took order my default address is XXXX, Utah ... XXXX  can't deliver me item they took pick-up from Wal-Mart should not take order, they done this so manytimes i never get my items.Wal-Mart email says its doesn't support since XX/XX/year> emails customer service..Trying to get full refunded unable.Capital one always ask for proof.
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I am a senior citizen living in the state of XXXX  and on XX/XX/year> my bank that monitors my credit notified me that a company called Eastern Account Syst accessed my credit bureau and put derogatory statements on my credit file. This company broke federal law and CFPB requirements because they never contacted by any of the 4 ways the CFPB requires. 
I have no idea who they are and the company they say they represent I have no balances with. This company illegally accessed my credit burea. 

I am asking that the CFPB demand that they remove the derogatory remarks they put on my credit and also I ask that Eastern Account Syst be fined and penalized for illegally accessing my credit without ever contacting me.
Consumer complaint received 2024-06-22
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. (AZ)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX For unknown reasons without my consent, this institution above submitted a Hard Inquiry for my credit report for Equifax only. I have NEVER dealt with them nor can I find information for this scam company. Equifax requires I create a report with FTC to be able to remove this. Please help me remove this.
Consumer complaint received 2024-07-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp. (GA)

Dear sir I am writing you this communication to inform you that I requested documents from united auto credit about XXXX ( XXXX ) to XXXX ( XXXX ) weeks ago in regard to XXXX  XXXX XXXX  that was repossessed i have not gotten a responce as of yet.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

I was a verified user and had many transactions, but after some years, they said that my verification failed and froze my funds. I have asked them to request all the necessary documents to verify me again and give me access to my funds. However, for the last two years, they have taken no action and have not even tried to verify me. After deeper research, I found that they are doing the same thing to many users, and there are many complaints against them
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tromberg, Morris & Parnters, PLLC (FL)

I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a retired armed services member and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax locked my credit file claiming something about fraud. Although they are able to verify my identity via phone and I can access my account and credit report, they still required me to mail in two verification documents. I am applying for apartments and can not afford to have my credit file locked as it already caused issues. Why wasnt I notified of this before I needed to have my credit checked? Why am I able to verify myself enough so that I can pull the report, yet they still require a mail in verification that takes up to a week so that other creditors can run the report. This is just plain ridiculous and I would consider it extortion.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I have attempted to access my Experian online account and the website gives an error : " Oops, we're sorry! Experian is committed to protecting your personal information. '' " Call us toll-free at XXXX. '' As such, I can not manage my Experian account, credit freezes, or request reports online. 

Calling the number to resolve this issue has yielded no results, as well as calling several other customer service numbers. The automated machine continues to go in circles, refusing to allow me to speak with a representative no matter the options I select and repeatedly asking for " Manager '' or " Representative ''.

This has been an ongoing issue since at least 2022. Last year, I was able speak to a representative and submit some verification documents online, however, this has not rectified the situation. At this point, I am fed up with Experian 's clear disregard for consumers. I recently had a similar account log-in issue with XXXX and this was cleared up within XXXX minutes of speaking with a representative via their posted customer service number.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

My credit file isn't being shared at all. Not to me or anyone else. when I tried to look up my credit file it returned as blank. I called Equifax in XXXXXXXX XXXX XXXXXXXX, Equifax requested that I send them a copy of my ID & social security card. I did that, yet the problem wasn't resolved. The second time I contacted them was in XXXXXXXX XXXX XXXXXXXX they requested me to send them a letter with my ID. I did that and again nothing was resolved. The third time I contacted them I was asked to send them another request, a copy of my ID and social again ( which is a FEDERAL LAW ). The agent then told me that I have an XXXX XXXX on my credit file that I may not be aware of. This is creating havoc in my life. I'm unable to handle the necessary business I need to conduct because of this problem. It violates my rights on so many levels. 

Someone from Equifax office told me they have me on some internal block which they're claiming they can use to block my accounts because they feel they're above the law. When questioned why would they do this without contacting me or telling me. They're claiming they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they didn't tell me and why my other letters weren't enough to remove the internal block because some of the agents may not have known I had one on there because it requires you to go to another screen and could have handled my letter as if I was asking to have a freeze or fraud alert removed ( even though I didn't have one that needed removal ) .So Equifax feels they're above the letter of the law & will not explain their policy... Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX  611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ),
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

m filing a complaint against Synchrony Bank on discrimination and trying to obtain my personal information for a XXXX Credit Card, that did not require a Personal Guarantor when I applied for the Business credit card 9 months ago. The XXXX XXXX Credit Card for XXXX XXXX is well known amongst business owners for building Business credit, without the need of the XXXX XXXX personal credit securing the credit card. 

I applied for this Business credit card 9 months ago and I was asked if I wanted to personally guarantee the card, I stated no as I wanted my own Business to stand by its own credit history. I was approved by Synchrony Bank at the time with no issues and apparently with a review of the account that Synchrony Bank approved with a $ XXXX staring credit line. 

I recently applied for a credit line and Synchrony Bank pulled my companies credit profile for the increase. Again Synchrony Bank reviewed my account and approved my credit line increase from $ XXXX to $ XXXX with no issues or requests for more information or personal information. 

I had my online access to my account blocked as I was checking to see if my payment has posted, I called into customer service to see what happened and the agents had no clue what was going nor indicted that my Business credit card had been turned off or required information. 

I was sent a letter from Synchrony Bank that a review was completed on my Business credit card account and stated that certain information is required regarding XXXX XXXX of the account holder is required or else they will close my account within 20 days. 

I called in and spoke to a Account XXXX, who stated the information that Synchrony Bank is requesting is Personal Guarantor that will secure the Business credit card. After 9 months and XXXX recent reviews Personal Guarantor is now being requested by Synchrony Bank? I asked the account manger if other business owners had this account without Synchrony Bank requesting a Personal GuarantoXXXX, she stated yes and doesnt understand after 9 months, why Personal Guarantor information is now being requested. 

I feel that Synchrony Bank now requesting a Personal Guarantor on my 9 month old business credit card is based off discrimination. This business account has been opened 9 months and has had XXXX reviews XXXX approval of the credit line and XXXX of a credit line increase. If other business owners are not required to have a Personal Guarantor on the account, discrimination is the number XXXX reason why Synchrony Bank is doing this. They have no explanations why after 9 months of the business credit card being active and perfect payment history, why they are requesting a Personal Guarantor
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: National Recovery Solutions, LLC (NC)

In XXXX and XX/XX/XXXX, a debt collection agency contacted me multiple times within a XXXX period, making four calls and leaving two voicemails. Additionally, they contacted my sister and mother without my consent, attempting to use them to reach me. These actions were distressing and felt harassing. I have been registered on the National Do Not Call list since XX/XX/XXXX. The debt collector 's conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), the Telephone Consumer Protection Act ( TCPA ), and potentially other consumer protection laws, given the unsolicited calls. Despite not initiating any direct contact with the debt collector, their aggressive attempts have caused significant emotional distress. I have retained call records, voicemails, and messages from my sister and mother as evidence of these incidents.
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc (FL)

On XX/XX/2024 I received a notification from my bank that I had {$300.00} charged from my savings account by Flexshopper, which put my account in the negative. I immediately reached out to the company for clarification and learned that when I had discussed a solution for addressing a past due amount of {$300.00} on XXXX XXXX that I would be charged twice that week on Friday the XXXX of XXXX. Since XX/XX/2024 where I used Flexshopper at XXXX XXXX  for critical auto repairs, I have been making weekly payments of {$100.00} ( which was already {$36.00} more than I was told I would have to pay on their website when I was approved for {$1700.00} / with monthly payments of {$64.00} ) and had missed a few payments due to employment issues and already had been struggling with them suddenly double charging me in a week so I would have {$200.00} being taken out of my savings and putting me in the negative, I wanted to get this issue sorted out as soon as possible. Instead not only was I not charged at all on that day but they had added an additional {$100.00} for this week, leading to the {$300.00}. 

I have reached my breaking point with this company as theyve throughly messed up my credit and my fathers credit as hes attached to my bank account, Ive missed rent and utilities days because theyve taken any savings Ive had out of my account and customer service was next to impossible to get ahold of. Especially as Im only {$180.00} away from paying back what I originally borrowed.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, I see two fraudulent transactions on my HSBC checking account ( XX/XX/XXXX and XX/XX/XXXX ). I reported ( by chat ) them immediately to HSBS. I have never used my debit card and the transaction were reccurent transaction of XXXX, which I also reported to HSBC as it means that they had a databreach or unauthorized access by an employee. The same happened to my partner for 6 months. 

A few days later, I received a conditional credit, then permanent credit for one charge as well as a letter. 

On XX/XX/XXXX, I chat with HSBC to inquiry about the second charge, the agent tells me that only one charge has been reported as fraudulent and that he reported the second charge as fraudulent. 

On XX/XX/XXXX, I chat with HSBC again, the agent tells me that the second charge has been reported as fraudulent but that " there is no notes on my profile regarding the additional fraud submitted '', the agent confirmed that the second charge is not reported. 

On XX/XX/XXXX, I chat with HSBC again, and the agent told me to wait a few mroe days. 

Today as XX/XX/XXXX, I have no news.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

Received a texted that our accounts would be closed, in a few minutes the accounts had all be closed. No money available and a " promise to issue a Cashier Check to us in 45 days ... Left us with no access to our money and no time to respond to withdrawal any money until this was sorted out. Called no answers other than the bank has the right to close any account for any reason. Went to the branch with same questions, not answers no money. Checks have still not arrived
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

To FTC Customer support, McCarthy, Burgess & Wolff is collecting debt from XXXX XXXX  which I never owed. 

I do have an XXXX account for my XXXX XXXX XXXX XXXXXXXX XXXX But It is enrolled on Autopay with My Credit card. I contacted XXXX books and they have no records of unpaid invoices or any other debts. 

I contacted McCarthy, Burgess & Wolff last year and explained to them to send me an explanation where, when and to whom do I owe any money but they could not give me any explanation. 

Attached are the following : 1 - copy of the debt collection letter 2. copy of all my receipts of payment for XXXX since I started the company back on XX/XX/2022 to present. 

Please advise regarding this matter and close my case without affecting my credibility. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

I pre paid a 60 month loan in XXXX which was about 20 months early and had XXXX balance on XX/XX/year>. At the end of XXXX they reported me as late which cause my credit score to drop around XXXX points the Bank is Santander. 

I was in the process of buying a new car and was hit with a higher interesr rate costing me aprx. {$2500.00} extra over the like of the loan.