davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I went to XXXX XXXX on XXXX XXXX to withdraw money from their XXXX XXXX for rent. I frequent here & have never experienced this ATM or another, yet as I was counting the money that was coming out another {$200.00} came out & 3 seconds later returned to the machine. However, I received a receipt for that {$200.00} that I didnt even get! I informed the XXXX at XXXX XXXX XXXX employees who could do nothing & told me to contact XXXX XXXX Im not a customer there so when I called they said contact my bank ( mywisely ). XXXX said theyd do an investigation that would last approximately no more than 40 days. On XX/XX/XXXXXXXX  I called & they informed me they turned down my request & that I could resubmit another request. ( But Im not waiting another 40 days for the same answer when apparently they dont do a real investigation ) I dont have any proof they asked for except the faded receipt stating I got the money that I didnt receive. Also, I could try to go the store & see if they can show the cameras or remember me. Additionally, my mother in law is a witness as I informed her that day. But Im not losing my {$200.00} to no wealthy bank I needa my money back
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I received two gift cards for my birthday. The first one had {$150.00}, and the second had {$500.00}, both purchased from XXXX. When I opened them, both cards only had 12 digits instead of the required 16. I contacted customer service, opened a case, and submitted the required documentation. They provided a case number, but since then, there has been no further action despite multiple calls and emails. I have all the receipts and documentation.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (MN)

Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with XXXX, XXXX, and XXXX. This account was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft.

I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information.

As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed.

Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents.

Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history.

Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit.

Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt.

I appreciate your immediate attention to this matter and expect a response quickly. Please send all correspondence and proof related to this dispute to the above address.

Thank you for your cooperation.

Sincerely,
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc. (NV)

My fiance and I moved from the original creditor property on XX/XX/XXXX. We informed them prior to moving of our intent to do so and provided an address at which we could be contacted. We were not informed of any outstanding balance owed. On XX/XX/XXXX, my fiance and I moved into a different property owned by the creditor. Before we could move in, the manager at that property had to check our names for any unpaid balances with the creditor. Both of our names came up clear. On XX/XX/XXXX, a collections was reported to both my XXXX and XXXX credit reports from Sentry Recovery and Collections for {$1200.00}. The original creditor is XXXX XXXX XXXX with the original balance of {$960.00}. This debt was supposedly opened XX/XX/XXXX. XXXX XXXX states in their registration agreement that any person leaving with an outstanding balance will be consider a " non-eligible '' customer at all XXXX properties until the balance is current or a payment plan is arranged. The debt appears to be manufactured after the fact and false. We should not have been able to move in to the second property if this debt existed. To this date, we have not received anything in writing regarding this debt from either Sentry or XXXX. The balance is currently being reported on both my fiance 's and my credit reports as {$1200.00}. We are still able to receive mail at the address originally provided as it belongs to my mother. I've recently began receiving voicemails from someone saying they are from SRCI. The calls are sent to voicemail as my phone deemed the calls as likely scam calls. The phone number is always different and not the phone number listed for the company.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (TX)

Hello, On XXXX XXXX XXXX XXXX I called XXXXXXXX XXXX at XXXX, or so I believed. I must have dialed the wrong number. I did not know I dialed the wrong number, at this time. I told the person I spoke to I needed information about me and my wife 's car loan with XXXX. That person said they would help me. It was only after the phone call did I release I was speaking to a shady company named XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). The person on the other end asked for our Chase account and routing number. I mistakingly gave them this information. Again, I thought I was talking to a Truist service rep. They said they would send me a XXXX gift card. Little did I know they were signing us up for their fraudulent credit monitoring, discount network and magazine program. When I realized my mistake, I cancelled these services the next day. XXXX even gave me a cancellation number ( XXXX ). However, every month since then they have been taking money out of our Chase account. We are now having to do an account replacement to keep XXXX from taking any more money from us. I honestly believe XXXX is a predatory company. Can you help me? I have this info : ID XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. Their phone numbers are XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I attempted to deposit {$170.00} at a Bank of America ATM. The machine took my money but it didnt deposit the money in my account and the machine gave me a receipt that stated that it could not release my money from the machine. I contacted the bank immediately but nobody has returned my messages. I can not get customer service to help me.
Consumer complaint received 2019-06-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

We returned our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX XXXX, they took possession of the vehicle in XX/XX/XXXX and we obtained a new lease on the same day, XX/XX/XXXX. XXXX XXXX was our sales person, he took the keys to the XXXX XXXX and presented our keys to the XXXX XXXX XXXX that we began a new lease on. In XX/XX/XXXX we received a call from Nissan Finance followed by a letter stating that we owed them {$770.00} for rental and excess wear and tear. XXXX XXXX never communicated to Nissan Finance that they took possession of the vehicle in XX/XX/XXXX. Additionally, after taking possession of the vehicle XXXX never walked over the vehicle with us to let us know that there may be additional fees for wear and tear. By not walking around the vehicle with us and documenting any damage XXXX has prejudiced us as we had no ability to discuss the alleged damages. Also, since XXXX had possession of the vehicle from XX/XX/XXXX to XX/XX/XXXX they can not make any allegations of wear and tear against us. XXXX may have caused the alleged damages that Nissan is attempting to collect and has sent to a collections agency. 

We demand that XXXX XXXX of XXXX XXXX XXXX take care of this bill as it was due to their incompetence that a bill arose from this situation. Additionally, if there is anything against my credit, I demand that XXXX and Nissan remove any of this against my credit immediately.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX garnished my wages through the XXXX municipal court and released wage garnishment on XX/XX/2021 in the amount of {$1200.00}
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have submitted a dispute to all XXXX credit bureaus to have my payment history updated on my Bank of America credit card. The late payments on my report are effecting my ability to get a house. I have had stellar payment history for the last 4 years since Covid 19 and resume to be a good client of Bank of America. The payments that are affecting me are during the period of Covid 19 and were supposed to be covered under the Cares Act.
Consumer complaint received 2024-01-09
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. (TX)

Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company XXXX XXXX XXXX  XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite the previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Consumer complaint received 2023-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Subject : Urgent : Request for Expedited Reopening and Processing of Dispute - Scam and False Advertisement Case Number : Case Number : Case Number : Case Number : Case Number : Case Number : Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Capital One Dispute Management Team, I hope this message finds you well. I am writing to bring to your attention a matter of utmost urgency regarding a dispute that requires immediate resolution. I have been a victim of a scam involving the purchase of replica and unauthentic items, accompanied by false advertising. 
Details of the dispute are as follows : 1. Unauthorized Items and False Advertisement : I recently made a purchase, and upon receipt of the items, it became evident that they were replica and unauthentic, deviating significantly from the description provided in the advertisements. 
2. Contact with XXXX Authorities : To address this issue promptly, I have already contacted the XXXX authorities to report the fraudulent activities and seek their assistance in investigating the matter. 
3. Failed Attempts to Resolve with Merchant : Despite my attempts to contact the merchant for a resolution and return of the items, I have received no response. Their lack of communication and refusal to address the issue further necessitate your intervention. 

4. Providing Supporting Evidence : Attached to this email, you will find comprehensive evidence supporting my claim, including photographs of the received items, proof of the advertised item descriptions, and documentation highlighting discrepancies in the invoice numbers and items ordered. 
5. Confirmation from Authentic Brands : I have also acquired letters from the authentic brands, XXXX and XXXX, confirming that the items I received are indeed not authentic. These documents further solidify the fraudulent nature of the transaction. 
Considering these circumstances, I kindly request that you urgently reopen and expedite the processing of my dispute. The prompt resolution of this matter is crucial, as I am facing financial repercussions due to the fraudulent transaction. 
Your immediate attention to this issue is highly appreciated, and I am confident that, with the evidence provided, you will be able to facilitate the return of funds to my account without undue delay. 
Thank you for your prompt assistance in this matter. I am available for any additional information or clarification you may require. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Allied Financial Services Inc (NC)

This company told me I needed to have a professional with my case and charged me {$1200.00} and told me 12-20 months for the discharge of my loans. They agreed to assist me until the loans were discharged but it appears that the company has closed and my case is still pending. 

This company is Allied Financial Services-XXXX XXXX XXXX There was also another company called XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-13
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: JPMORGAN CHASE & CO. (KY)

These inquiries were unauthorized and I am a victim of identity theft JPMCB Card XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-17
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Im having an issue with Chexsystems. They have confirmed by phone that I have no freezes.. my portal also shows its not frozen but Ive applied at 4 places and all of them says that it shows A freeze. I then add

ed one and removed it to see if that would help and it didnt change the outcome. How am I supposed to open a bank ac
count if they cant access the report? 

Its not frozen according to chexsystem agents or my portal but no one can access my consumer report
Consumer complaint received 2023-12-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CT)

I had emergency XXXX on the XXXX of XXXX and came home a few days later. I had a girl that Cleaned my house once every XXXX weeks. She came and helped me with my bathing and cleaning. I received a message from my bank saying there was unusual use of my card. So I checked my account and there was many uses without my consent. I realized my wallet was missing. I got a hold of the bank and they took a report and told me what to do. 2 days later they sent me a letter stating that the card chip or something was checked and they declined me my funds. I spoke to XXXX different people about this at the bank and I got no where. I'm XXXX and XXXX yrs old. I count on my money to pay rent and utilities. Please help me to understand this. I also gave the bank the girls name that took it.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The XXXX XXXX account that shows on my credit report is my mothers account and she has removed me as a user several times. I uploaded a chat session that shows there are no cards in my name and verified that I am not a user but they refuse to remove the account from my report. I have tried 4 separate times and they just keep updating to the current date and not removing it. My mother XXXX XXXX has asked for documentation that I am not on the account or a user of the account and they stated they can not provide documentation other than the chat attached as he is not a user or on the account to remove so there is nothing to provide.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FactorTrust, Inc. (TX)

Inaccurate information reporting on my credit report. Reporting 22 negative accounts that have been discharged through bankruptcy. I only have 2 open accounts and they are not in bad or negative standing
Consumer complaint received 2023-12-10
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: DISCOVER BANK (FL)

While being in my bank account information i saw a different address where i do not live nor is it my mailing address I left it alone. A few days ago i get my credit score and i see that it went down a good amount i pay in time and have not had any problems what so ever until i see that i have 3 hard inquiries and thats why it went down. I would like this inquiries away because I didnt start any applications and havent opened one. This will not allow to get a mortgage and im looking into this but with the inquiries still there it wont be much of a help. I have already reported to identify theft. 

Thank you
Consumer complaint received 2023-05-10
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. (CA)

I have repeatedly contacted my mortgage servicer and I am currently on Loss Mitigation which protects from negative credit reporting, and they have reported me as 150 days late even though Im protected through Loss Mitigation. This has brought my credit score tremendously. I have an email from them stating that they will not do this and they keep doing it. Please update the credit report, this is really and has been a daunting process with this mortgage servicer. I have been approved by the state of California with a grant to pay my past due balance and they continue to report this even being on loss mitigation which protects negative credit reporting
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (DE)

Synchrony Bank did not proactivlely protect me from over seas fraud by freezing the Sams Club XXXX XXXX XXXX XXXX Credit Card when I could not be reached by phone. While I was under medical care on XXXX XXXX XXXX XXXX of fraud was committed.