davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (TX)

I tried ordering some shoes off a website called XXXX and I put everything on my card information and I had plenty of funds on it and it still declined my purchase and I am very unhappy about the customer service that is not helping me with the situation I want the funds on this XXXX XXXX XXXX XXXX  to be transferred to my XXXX XXXX because this company has been very unprofessional about this situation that been happening for some time now.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX   Account # XXXX, has violated my rights. 

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
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-08
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: Affirm Holdings, Inc (IL)

There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different
Consumer complaint received 2024-01-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ResidentCollect, Inc. (TX)

I have disputed and reached out to this company on multiple occasions regarding this item that appears on my XXXX credit report. I have sent multiple debt validation letters requesting specific information listed as follow : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the original signature of the alleged debtor wherein XXXX agreed to pay the creditor. Original contract with original signature of alleged debtor wherein XXXX agreed to terms with creditor. Original contract with original signature wherein XXXX agreed to enter into terms to pay debt collector. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of the alleged creditor. 
Name on the file of the alleged debtor. 
Alleged account number. 
Address on file for the alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
XXXX that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt/ledger from original creditor. 
Commission for debt collector if collection efforts are successful. 
Copy of bond and license to do business in my state and state where alleged debt was acquired. ( This is the bond and license that your company filed with the XXXX of XXXX where the alleged debtor resides. ) This company was also informed that this account with the original creditor was fraudulent and a part of a federally documented identity theft case in which a Federal Affidavit of Identity Theft was provided multiple times. Documentation as it relates to this account was also provided. This case was a part of a criminal case in which the person who stole my identity was prosecuted and sentence to a XXXX prison term for this account and several others. This collection agency refuses to remove this item and keeps updating this item on my credit report as to say that I owe this debt. At this point, I have reached out to a Consumer Finance Attorney to fully intend intend to exercise my right XXXX this collection agency under violating my rights as a consumer under the FCRA and FDCPA, defamation, mental and emotional distress caused by reporting this items falsely, failing to remove inaccurate account of this debt from XXXX credit bureau after sufficient proof was given, failure to provide notice of account deletion via postal mail, and wrecking my XXXX XXXX which resulted in denials for over XXXX from the date they added the account as a debt to all major credit bureaus. I fully intend to follow through with this federal lawsuit. I only asked that they remove the false and erroneous account from my credit report. There direct refusal to provide adequate proof that this debt belongs to me and refusal to remove this account have made it nearly impossible without taking full legal action.
Consumer complaint received 2024-01-06
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: GOLDMAN SACHS BANK USA (CA)

I sent a letter certified mail disputing XXXX charges on my Apple credit card. The tracking for the letter was XXXX, it was received in XXXX. The bank never investigated my dispute.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX 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 2023-07-16
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion/XXXX XXXXXXXX will not allow me the option to file disputes on-line on their web-site. I have tried in the past and currently trying to file disputes and they are requesting that I do so via USPS. I have no problems filing with XXXX or XXXX. This seems unfair and is causing me stress in that I am having to provide all sorts of documentation. They should not discriminate.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I made a check deposit on XX/XX/24 the bank applied the deposit, then took it back that the fund was not available. I went to the bank I wrote the check from and that bank says Wells Fargo had not presented the request for funds via the check. I took the funds out in cash and deposited them in the wells fargo account as it is the primary payer of my mortgage loan which I have had for XXXX years with wells fargo, so I called and ask them to cancel the check, they says the check is on hold and they will run it again on the XXXX. XXXX days after my mortgage auto debits. I told them I brought the funds in cash so the check needs to be cancel as they already have the funds in cash. they refused and told me that i will responsible bounce check fee from the other bank, we request a stop on the check at the XXXX XXXX XXXX XXXX but now we are being charge fees from both bank for the holding the check for XXXX  days
Consumer complaint received 2024-04-11
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (VA)

Grain has been reporting incorrectly to XXXX & XXXX for MONTHS! And this is messing up my credit profile. They originally had fixed this issue, but now they are reporting it as a charge off AGAIN! I have attached all my billing statements directly from grain to show that this account is active and not charged off and I have been making on time payments multiple times. I am interested in seeking legal help in this matter if it is not resolved. I would prefer the credit bureaus delete grain off my credit profile completely since the reporting has been an utter mess. The account has been paid and current for over a year. Please help me in getting this matter fixed. If you need every credit statement I have I can also send that over.

PLEASE HELP! The account is NOT charged off!!!
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

State Employee Credit Union mistakenly issued XXXX debit cards in my wife 's name on our joint checking account. She lost one of these cards but did not realize it because she still had another working debit card. Fraudulent charges were made on her card. We filed a dispute. SECU did not notify us of their response within 13 days required by the Electronic funds transfer act. SECU did not provide us with provisional credit required by the EFTA during their investigation. SECU took 60 days to investigate. SECU did not provide the documents it relied on to investigate the claim as I requested pursuant to the EFTA. SECU refuse d to return phone calls, refused to provide account information about what happened during their " investigation ''. SECU state son its website, and on the mailer when we receive new debit cards that it will notify us of any suspicious or irregular activity. Despite obvious fraudulent activity, SECU never notified us of any suspicious charges.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank took a double payment only one of which I consented to. Placing my bank account in negative and costing me fees for a charge I did not authorize. They have stone walled me on fixing their mess up.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XXXX XXXX I moved to Florida and attempted to open a checking and savings account online with Fifth Third Bank. I completed their online application and sent verification of my driver 's license and social security card. In order to open the account I had to deposit {$100.00} from another checking account at another bank. Fifth Third appeared to open the account online ( provided me with a check account and saving account number ) and withdrew {$100.00} from my other bank. Over the next few days I was not able to access my online account with Fifth Third and did not see my {$100.00} deposit reflected. I eventually went in person to the Fifth Third branch in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX ) to try and resolve my account issue. After numerous trips to the bank, I was told that I did not have the correct information to open the account so I requested that the account be closed and my {$100.00} returned. I waited months for my supposed {$100.00} check to be returned to me and it was never returned. I went into the Fifth Third location early this month and again tried to determine the whereabouts of my {$100.00} initial deposit. I again met with XXXX who ended up speaking with someone at Fifth Third via phone. I was told that a screen shot of the withdrawal taken from my other bank was not enough proof to issue my refund. I have been receiving a tremendous amount of runaround in my effort to get my {$100.00} refund for a checking and savings account that was never opened.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I received an email from a third party debt collection agency stating I owe XXXX {$190.00}. I do not owe them anything because I informed them before leaving to basic training that I would be joining the military. They tried to persuade me to move the services to a family member address but I informed them I do not trust that the bill will be paid. They told me to email my military orders which I did on XX/XX/2023. I left for basic training XX/XX/2023 and XXXX XX/XX/2023. From there I went to A XXXX XXXX XXXX my job in the military from XX/XX/XXXX, XXXX XX/XX/2023. I arrived at my permanent duty station in XXXX, California XX/XX/2023. I would like the balance to be explained as to how I owe when I did not have a permanent residence to set up services. This is absolutely ridiculous sending someone to collections when I clearly do not owe them anything.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX EQUIFAX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (MN)

I called to set up a payment plan because Im going through financial hardships right now and they were helping me set one up and they offer me a payment plan that I can not afford and I asked them if there was something else we can do and what other options can we do and they just kept repeating the same stuff over and over and ignoring my request and my help then they put me on hold for a while and then they told me they would contact me back through email about what they can do with my account. They couldnt answer my questions, and I feel like they dont care to answer my question or care to help me.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I moved to my current address on XX/XX/XXXX. I began receiving mail for previous tenant immediately from Capital One. As of tomorrow I will have been writing " not living here '' " not at this address '' etc for XXXX years. These aren't addressed to Or Current Resident. They are sending Personally Identifying Information of an account holder to a non-account holder. This is a serious breach of handling sensitive information that has been purposefully ignored and overlooked by Capital One. My first call about this was today on XX/XX/XXXX when I got hung up on. My second call the customer service rep kept wanting to know MY name, which he and Capital One really have no reason to know and then kept asking me what is in the letters, which I wouldn't know because I don't open other people 's mail but which they should sure darn know since it's their letters that have been getting returned nigh on 2 years. Oh and there was a tenant here before me for at least a year, so it's been 3 years of them sending this PII to a nonaccount holder.
Consumer complaint received 2024-01-06
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

In XXXX I received a letter stating that a dispute was filed on my behalf and that I would be receiving XXXX. XXXX then when I called to check the status of funds they told me i was not able to get verified over the phone. So I called everyday up until XX/XX/ I called and finally got threw to the right person and they were able to verify me by asking me multiple questions and they said they would expire the check so I would receive it in 10 days I call back today and now they are saying they can't verify me again and will not speak to me .I have been trying to get my money for months now. They have sent me payments in early XXXX and there's was no issue then. I was sent a compensation check for financial harm and there was not an issue then either that was in XXXX. Now there is another issue. I can't take much more of this I am losing my home because of this. My kids didn't have a XXXX because they do not document or communicate correctly
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Fraud alert from : disguised as 'Chase Fraud Alert ' XXXX " COPIED AND PASTED '' Fraud alert Chasedebit or ATM card Because the security of your account is our first priority, we have opened an investigation into this occurrence because we discovered that you signed into your online banking account from a different IP address, which is suspicious or could be fraudulent. 

Please log in using the details presently on file by clicking the link below in order to protect your account from fraudulent activities and unidentified devices. 

www.chase.comXXXX  Please be aware you will be logged out of all open sessions as part of this security procedure, which aims to protect you and your account information from fraud. 

Thank you for helping us protect your account fraud detection XXXX JPMorgan Chase Bank , N.A . Member FDIC & Co.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (OK)

In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (AL)

Hello I have emailed grain technology Trygrain.com because they have no agents available to agents to speak to regarding customer service. Back In XXXX XXXX XXXX they wrote my account as charged off because I needed to switch bank accounts. Then after that issue was handled I paid down the total balance of the account on XX/XX/XXXX which now only has a balance of {$10.00} and XXXX percent usage. Well grain hasnt issued me a statement since XXXXXXXX XXXX XXXX it is now XX/XX/2023 and I have yet to receive a current statement and update to my balance Im missing XX/XX/2023 and XX/XX/2023 statement. The reporting closes on the XXXX and I shouldve received current statements on the XXXX. They are also reporting the incorrect balance that Im using XXXX percent of credit and I owe {$250.00} which is incorrect. It is almost next to impossible to get anything resolved with this company and they shouldnt be able to report to any credit bureaus if they dont report information correctly or fix issues within a timely manner.