davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
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: Credence Resource Management, LLC (AL)

I received a copy of my credit report in XX/XX/2018. I noticed that Credence Resource Management had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Credence ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Credence to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Credence has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, time and verifiable information. Per return receipt ( see attached ), Credence received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Credence is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (VA)

Good morning, I opened both a Chase total checking and chase savings account together with coupon code XXXX XXXX XXXX XXXX. The promotion said I would get {$900.00} total bonus after 90 days and qualifying activities. The accounts were opened XX/XX/year>, and funded per the terms of the advertisement on XX/XX/year>. Also, I've had direct deposits to the checking account per the terms of the advertisement. It has been over 90 days. 

Chase has not deposited the {$900.00} to my account. I have lost interest income by having my funds at Chase as I was counting on Chase fulfilling the terms of the advertised offer. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (NY)

On Fri, XX/XX/XXXX, I recd a letter from a Comenity Capital Bank telling me that my application for an " Alphaeon XXXX Account '' had been denied. I have never even heard of such an acct, and they claimed they didn't have any info as to who applied on my behalf.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

I bank with USAA, the app told me I could deposit cash at a local XXXX XXXX  ATM, on XX/XX/2023 I attempted to deposit {$1700.00}. It came back with an error and attempted to refund my cash. In the process the machine jammed and I only got {$200.00} back. When I called XXXX XXXX  they informed me to file a dispute with USAA since I'm not their customer. I did so and they declined the dispute stating they couldn't get information on the machine due to the fact that it isn't a machine they work with, even though they confirmed the transaction attempt. I've tried all avenues I could find and still haven't gotten my money back.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2024 i have wired XXXX XXXX dollars to a chase account from a XXXX account in XXXX, i have provided all details needed for the transaction, XXXX of them was the account name. It was supposed to a company, but looks like the account is not at the company name. XXXX hours after the transfer i have filled a complaint with XXXX, i figured out it was a scam. 

i have the account details and all receipts the site name is XXXXXXXX
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I purchased a vehicle in XX/XX/XXXX, and financing is through Toyota financial services. My payment was fixed at {$660.00}. For the first 23 months, via auto pay on their site, I paid {$700.00}. Each year, I'd request end of year statements to file my taxes because my car was used for work. Each year, I'd notice the extra payment wasn't being applied adequately. I'd demand they address it. I stopped making the additional payment and continued making monthly payments via auto pay. In XXXX, XXXX, I requested documentation for XXXX, and noticed the first 3 months payments were applied to interest and nothing to principal. Fourth month, {$50.00} applied to principal. This bank is committing a felony by embezzling my money. I've reported them to the AG, but there's no promise my stolen money will be returned. This isn't a private lawsuit. They're committing a crime.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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 2023-11-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In the past few months I have had a Bank of America account opened in my name and XXXX inquiry and XXXX hard inquiries on my social security number Last year someone also tried to file for unemployment with my social security
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Back in XXXX I had tried to apply for a home loan, but I was notified that I could not get approved because there is an account listed on my credit that states it is a student loan or educational loan, and I am trying to use my VA loan to buy a house. I got a copy of my credit report and contacted the credit bureaus and asked them how I could dispute it because I do not have any student loans or educational loans and they opened a dispute. During that time I tried contacting the phone number and address that are listed on the account, showing as an educational or student loan, but the phone number does not work, it goes to a pre-recorded rewards center at click my rewards and the letter that I had mailed to the address listed on the account was returned. My dispute came back from the credit bureau, and it stated that nothing is wrong with what is being recorded, and there will be no changes made to it. I filed a second dispute because I told them it is false. I do not have educational or student loans out and I cant even get in touch with the company that is listed on the account to even speak to them about it, and the credit bureau told me, it is true and accurate and it will not change. I filed a third dispute again asking for the same result, and the report came back in XXXX that it had been updated so when I went to look at my credit report, the only thing they had changed on the account is they changed it from current terms match to a charge off but it is still showing as an educational or student loan the phone number is still incorrect and it is still the incorrect mailing address. I have no way to get in touch with these people. I have tried to get the credit bureaus to help me and they said they can not change it only get the creditor can and this has been preventing me from buying a home for the past four months because I can not get approved for a VA home loan with this false student loan showing as a collection on my credit report. I feel its completely unfair that it is being reported falsely incorrectly and no one is going to change it or help me even though the account says XXXX XXXX and it is being reported as a student loan. That makes no sense to me whatsoever but regardless, the credit bureaus are not helping, and I have no way to speak directly with the creditor on the account thats listed. When I asked the credit bureaus if they could provide true and accurate contact information to me for the account they told me what is on the account in my report is correct. I have attached pictures of whats on my report and I urge you to call that number it is not going to be a number that is the creditor for this account. I have googled the address that is listed on this account and it shows it being right next door to a XXXX XXXX XXXX, but no name listed on the building just a XXXX listing.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

I had a Chase XXXX card for a few years. I called to close the account in XXXX. They told me the account was closed, and I destroyed the card. In XXXX they charged me an annual fee, and they just withdrew the fee amount from my checking account today. 

I called to complain. The customer service rep said she could not explain why the account was not closed in XXXX, though she saw that I requested to close it. She said there was no way to get the annual fee money refunded to me before XXXX. She said it would be refunded to my credit card account ( which is no longer in use ) in 2 billing cycles. I would have to periodically check the website to see if the refund posted, then file special paperwork with Chase to request that the balance in my account be sent by check to my house. 

Feels like a good system to skim extra fees off customers who aren't willing to put in extraordinary efforts to protect themselves and their money. I'm not sure if it's a pattern, but reporting in case it is.
Consumer complaint received 2023-05-09
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)

XXXX XXXX XXXX XXXX has violated my rights by improperly reporting to my credit report by violating these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Also States consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agency shall
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of InquiryXXXX, XXXX Date of InquiryXXXX, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : Experian, XXXX, XXXX and XXXX XXXX : Account Name : XXXX XXXX Account number : XXXX I received a correspondence from XXXXXXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXXXXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXXXXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX  has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( Experian, XXXX, XXXX, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Been making payments to music getaway for the amount of {$560.00} on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 i have been filming disputes claims with chase and have been denied
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In late XX/XX/XXXX/early XX/XX/XXXX I applied for a Kohl 's charge card, I got approved for a {$300.00} dollar credit line. I used it the same day online, and paid it off shortly after. When I paid it off I had noticed that I

actually had never recieved my card in the mail. I called to inquire about the card, and to make the payment. The guy told me that it takes 4-6 weeks for the card to get there, and that it should be in my mail in a few days. 2 weeks later it is still not here. I called to find out and the lady woudl not stop telling me that they can not access my account right now, I had to tell her to stop talking as she was talkign over me repeating the same script time and time again. I told her that I need to close my account, a nd she told me that they were inable to do that. This credit card has been awful! I got dinged on my credit report when I opened it, I have yet to receive it, and now I am goign to get dinged for closing it. I want this credit card wiped from my credit history, as it is clear that even though I have made good faith online buys, and paid my bill in full and on time, this company does not want to do business with me.
Consumer complaint received 2024-07-06
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: CITIBANK, N.A. (NJ)

I tried to dispute a charge with Citi Card ; it would not do so. I called Citi Card today ; its off-shored phone service would not start the dispute. 

The disputed charge is dated XX/XX/year> for {$270.00} to is XXXX - its phone number is XXXX XXXX XXXX. 

I am also very concerned that Citi Card would not start the dispute ; its workers kept asking me for more information about myself and it was hard to understand the workers since their mother tongue is not XXXX. Since I do not have a smart phone they could not send me codes and requests for more information. 

I fear I am getting ripped off by Citi Card and XXXX. 

Please help.
Consumer complaint received 2023-11-03
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. (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 : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX 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 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MO)

I opened a Chase Marriott XXXX XXXX Credit Card. At the time of opening the card there was a welcome offer that included a " Free Night Award '' with Marriott after meeting spend requirements. I have met the spend requirements and was not awarded the FNA. I've contacted Marriott and after over a week we have not made any progress on the FNA. It seems fraudlent to offer a welcome bonus that they won't actually award just to get people to sign up for their card. It shouldn't require me to follow up with them and spend hours emailing back and forth with them. Marriott should be required to compensate me for my time.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (IL)

Equifax is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.
Consumer complaint received 2023-04-13
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: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX  {$2500.00} Fraud Account does not belong to me XXXX XXXX XXXX {$4400.00} Fraud Account does not belong to me Navy Federal Credit union {$21000.00} Fraud Account does not belong to me Navy Federal Credit union {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax Dear Equifax, I am writing to express my frustration and disappointment with the experience I had while attempting to obtain my credit report from your agency. Unlike other major credit bureaus, I encountered unnecessary obstacles, including requests for additional steps such as providing a picture and ID. 

This discrepancy raises concerns about fairness and consistency in your processes. The fact that other agencies did not require such steps while Equifax did has left me feeling singled out and discriminated against. I find it perplexing that, as a consumer, I am subjected to different verification procedures. 

During my interaction with your Customer Service representative, I was disturbed by the negative statement implying my lack of knowledge about credit. Such remarks are unprofessional and do not align with the integrity and fairness your company claims to uphold. 

Furthermore, I am troubled by the disparity between Equifax 's purported values and the reality of my experience. It seems that your business practices, including selling information for profit and allowing unverified negative entries on credit reports, contradict the principles you claim to follow. 

I seek clarification on why Equifax imposes additional steps compared to other bureaus and why your practices appear inconsistent and unfair. As a consumer, I believe I have the right to access my credit report without unnecessary hurdles or biased treatment. 

I urge Equifax to address these concerns promptly and transparently, ensuring that your processes align with the principles of fairness, integrity, and equality. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX