davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (OH)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2023-09-08
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NJ)

At this point I'm trying to find other persons to help file a law suite . For misleading consumers. When u file a dispute it says that they will issue out a replacement card with the reminding balance. But u file a dispute they tell u u need to wait 90 days for a new card thays what a Rep ( XXXX ). told me. How is this possible make no sense at all. They hold your money and give it to u when they want. Then ask for all this information like receipts who keeps them anymore people just have a pile of receipts laying around the house for years and years. XXXX XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

XXXX and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from XXXX used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. XXXX and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. XXXX remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to XXXX and TD BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank charges interest on interest. Every other credit card I have ever had, if you pay off your total balance by the payment date your balance remains XXXX until you charge something else. When you pay off the balance due on Chase, they send you a bill the next month for interest. You pay that off and the next month you get a bill for interest on interest. This will continue if you do not pay the new interest charges the day they hit. I dont think this is legal. This is the second time this has happened to me with Chase. I have closed the account and will never bank with them again. They are criminals.
Consumer complaint received 2023-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-06-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX, 2023, I received a response from XXXX XXXX ( senior specialist in Corporate Consumer Relations for Synchrony Bank ) stating that my savings accounts have been closed with Synchrony Bank as of XX/XX/year>. He stated that the funds in those accounts would be returned to the originating banks, or will be placed in a general ledger waiting reclamation of the funds from the originating banks. My originating banks were XXXX and XXXX XXXX XXXX XXXX 

XXXX XXXX  has informed me that no funds were recieved, as did XXXX. 

I have reached out to the contact information provided by XXXX XXXX by phone dozens of time since then, to no avail. I needed to contact XXXX XXXX to let him know that my originating bank account with XXXX was no longer open, as I had closed it to open my Syncrony Bank accounts in XXXX of 2023. I do, however, have a different account with XXXX, which is not the originating account ( as that has been closed ), however, it is my other account with the same originating bank. My XXXX bank account is still currently being used. He has not responsed to my calls or voicemails a single time. 

Currently, Syncrhony Bank possesses {$45000.00} of money that is owed to me upon closure of my XXXX Savings accounts with them. I reached out to Synchrony Bank customer service several times, and I was informed by them that they have no way of updating account deposit information for me to recieve the money, as they can not contact their back office, and asked me to follow up with XXXX. They informed me that a deposit was attempted by Synchrony Bank in the amount of {$45000.00}, though they could not send me proof of such a deposit for XXXX to attempt to trace that ACH deposit. 

XXXX representatives have been working with me diligently since XX/XX/year>, but have not been able to recieve a response from Synchrony Bank back office when trying to request/reclaim the funds on my behalf. They were unable to locate a transfer made by Synchrony bank in the amount of {$45000.00} as claimed by Synchrony Bank after their own investigation and attempts to reach out to Synchrony Bank 's back office. Thus, XXXX has requested I follow up with Synchrony Bank to request for the funds to be deposited into my current account with XXXX, which Synchrony Bank has said they are unable to do, as the back office can not be reached. 

As of right now, despite my XXXX accounts with Synchrony Bank being closed for close to seven months since XXXX XXXX- I have no access to my funds totaling {$45000.00}, which I would like to have deposited in my current XXXX account.
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jacob Law Group, PLLC (MS)

I submitted proof to Jacob Law Group that I paid the full amount owed, but they continued to badger me. After I communicated that I wanted no further communication with them as I no longer owed them any money, they turned me over to XXXX XXXX XXXX. I contacted XXXX and provided Money Order numbers and check numbers along with copy of the bill showing debt amount. XXXX continues to try to collect after I've paid. They have this on my credit report as delinquent! Something needs to be done about these companies underhanded tactics, especially against senior citizens. 
I submitted all communication and documents to the Attorney General of Mississippi and they recommended I contact you. Thank you
Consumer complaint received 2018-04-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

Hunter Warfield became a part of my life in XX/XX/XXXX. Hunter Warfield reports that they are the collection agency for an apartment that I had in XX/XX/XXXX. I moved out of the apartments they are collecting a debt for on XX/XX/XXXX however after checking credit due to receiving numerous of calls from Hunter Warfield they have been reporting on my credit report since XX/XX/XXXX ( I was still staying in the apartment at this time ). The company as stated above calls soooo many times a day that it is becoming harassment. They will contact my cell phone and turn around and call my house phone and repeat. When I first became aware of hunter warfield being on my credit I request that they provide validation due to the timeframe being off. The company sent me a letter typed on letterhead but it was not validation to the debt and the amount was not accurate. When speaking to a representative they are VERY unprofessional and demand funds on each call. On many occasions when receiving voicemails from this company, they leave you DOB, as well as your SS #, which I'm sure is a violating of some sort. I have reached out to my old apartment complex to possibly confirm Hunter Warfield being a collector for there agency but this is still not being verify. At this time Hunter Warfield has not provide information im abide to in accordance with fdpca, which mean they have not properly validate the debt they using bully tactics to received. I have dispute this account on 2 occasion and they are stating they meet the FCRA requirements but they have NOT. I am requesting that this account be deleted from my account immediately. I have no contract with the company and this company as well as the suppose original creditor has no contract to confirm I am responsible for paying the incorrect amount they are requesting. Please ensure that this information is properly deleted from my acoount due to the company not being able to validate the information within the proper timeframe with the proper legal documentation. 

Thanks
Consumer complaint received 2023-09-07
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

XXXX charged for services that weren't working. I only have cable for hockey games and their XXXX XXXX app wasn't working for weeks and I was offered no credit or refund. Now I'm being reported to credit agencies by am aggressive debt collector ERC for refusing to pay the entire amount for their service.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited 3 checks on XX/XX/2023 and called chase bank customer service on XX/XX/2023 to ask about why my checks weren't deposited and they said they couldn't verify my checks and another representative said to wait until XX/XX/2023 so my checks can clear and that my money would be available to use. I called customer service on XX/XX/2023 and they said they weren't able to verify my checks. I talked to a customer service on XX/XX/2023 and the representative said the number they were calling to verify my checks was invalid and didn't ring at all, so I asked to talk to a manager and she was able to verify my checks but she said my account was closed and she needed to send a request so it can reopen. I called customer service on XX/XX/2023 and talked to a manager and he said my money was on suspension and he needed to send in a request to get my money back and it would take until XX/XX/2023 for a response. At XXXX XX/XX/2023 I called chase bank customer service at XXXX because I can't send money thru XXXX in the chase mobile app. Customer service said they couldn't verify me thru my phone number because there system wouldn't allow it and they were not gon na help me and refused to let me talk to a manager or supervisor and hanged up on me. The second time I called customer service they said they needed to send a request to allow my XXXX payment go thru and it would take up to 24 hours to be approved. I am still waiting for my money from my 3 deposited checks still and they won't allow me to send my money thru XXXX. I have reported this to The Office of the Comptroller of the Currency and currently have a case and I have been treated more unfairly after I reported them.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (AZ)

Clover/Fiserv has been holding my funds for the past 6 months and refused to release it. I have called over 15 times to correct this error and have been told the funds will be deposited into my bank account within 3-5 business days. The funds have not been deposited and Fiserv refuses to release my funds to me after my most recent call!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NY)

In accordance with the fair credit reporting act, this creditor Navient has violated my rights. Under 15 USC 1681 sec 602 states, I have the right to privacy. 15 USC 1681 sec 604a sec 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Got notifications from credit bureaus that I notice inquiry was put in my TransUnion report between XX/XX/XXXX and XX/XX/XXXX without my consent call them they told I have put in a dispute
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

I sent lvnv funding/resurgent asking them the verification & validation letter. I only received a verification letter. They didn't send me all the information that I requested. After looking at what they sent I realized the amounts is different on the last statement they sent from XXXX vs what lvnv has listed. The information don't match & is inaccurate. The last statement say new balance {$480.00} previous balance {$470.00} vs what they say is {$450.00}. I sent them a letter asking for all billing statements & the original contract with my signature. I didn't receive it only one statement. I will include the letter I sent along with what they sent me. The {$450.00} is also being reported on my credit. I want to know how they come up with this amount vs what the statement say. There is no proof of how they came up with this amount im sure that's a violation
Consumer complaint received 2023-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (TX)

What XXXX DOJ, informed me over XXXX fraudulent Collection notices have been sent by RFGI XXXX XXXX XXXX XXXX, was informed by the XXXX DOJ Here is my story : XXXX XXXX for {$5900.00} This is from a XXXX that happened way back in XXXX Stale debt.. 

This is from a XXXX Account from " National Durable Medical '' XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX Oklahoma, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Search XXXX " XXXX Charged with Violating Federal Anti-Kickback Laws and Committing More Than {$4.00} XXXX in Health Care Fraud '' XXXX DOJ XXXX a victim of Medicare Fraud XXXX 

XXXX on XXXX, had XXXX surgeries, XXXX survivor, have further medical issues to be corrected in the near future.. Suffer from XXXX, Anxiety, and XXXX On a fixed income and have about {$65.00} left over every month after bills are paid.. I have a lot on my plate and to be involved with fraud that deals with Finances impacts me greatly psychologically, had to seek additional therapy due to this..
Consumer complaint received 2023-06-16
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: 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 : XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

# # # Equifax 609 Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX **Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX **Request for Verification and Dispute of Inaccurate Information under Section 609 of the FCRA** Dear Sir/Madam, I am writing to request a complete disclosure of the information in my credit file as per my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). Additionally, I am disputing the accuracy of the following account, which appears on my Equifax credit report : - **Creditor** : XXXX XXXX XXXX - **Reported Date** : XX/XX/year> - **Balance** : {$160.00} - **Credit Limit** : {$300.00} - **Account Status** : Open - **Responsibility** : Individual Account This account is inaccurate and does not belong to me. It does not appear on my XXXX credit report, which contains accurate information. 

Please provide : 1. Verification of the account in question. 
2. The method used to verify the account. 
3. Copies of any documents associated with this account. 

Enclosed are copies of my identification documents to verify my identity. 

Thank you for your prompt attention to this matter. Please respond with the requested information and correct any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of identification ( e.g., driver 's license, social security card ) - Proof of address ( e.g., utility bill )
Consumer complaint received 2023-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Canceled Microsoft subscription continues to charge my Capital One visa. The Visa expired in XX/XX/2023 and today XXXX XX/XX/2023 I'm still being charged. How is this legal? Someone could steal a credit card, sign up for subscriptions and the card holder would continue to be charged on a card that is no longer active? To be clear, my card wasn't stolen, but it expired 2 months ago. I never activated the replacement card and yet I'm still being charged for a canceled subscription on an account with NO ACTIVE CARDS. Are there no regulations to avoid this? Or is Microsoft just big enough to avoid penalty for violating laws?
Consumer complaint received 2023-10-02
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WI)

When I call the phone # on the back of my XXXX XXXX XXXX card they try to offer XXXX gift and want my XXXX credit card #. They will not let me close the account without giving them another credit card #. I have tried calling XXXX XXXX directly and they push me back to the original phone # on the back of the card.
Consumer complaint received 2023-06-16
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. (TX)

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 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 XXXXXXXX has violated my rights. Or 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.
Consumer complaint received 2023-06-16
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. (FL)

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 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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.