davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I am being denied a credit card based on an old account I had defaulted on but paid with a collections agency in XXXX. 

I am aware of others that had accounts closed due to fraud and have been extended credit yet I am not. I was told by a representative at Capital One that " there's nothing I could do to earn credit or change the status of my defaulted account to reflect that I paid the collections agency ''. 

I am not asking to be treated special ; I am requesting the respect I deserve and the opportunity to rebuild my credit as a lower-income consumer that's fighting my way up towards self-sufficiency.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.
Consumer complaint received 2023-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MI)

JPMorgan Auto finance is attempting to collect a debt that was written off on their 1099 at a loss. They actually sold the vehicle and recouped at market value, and is still trying to collect interest payments on an account that no longer exist. Ive made several attempting via certified mail to correct the reporting to the credit agency but insist on no wrong doing. It fraudulent to attempt to continue collect on account that have been resolved.
Consumer complaint received 2023-08-03
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: JPMORGAN CHASE & CO. (MI)

JPMorgan Chase bank auto finance failed to correctly update my credit report after identity theft. The account is fraudulent and I am not responsible for the debt.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a saving account with my mother who has XXXX since the year XXXX In BANK OF AMERICA. It is our only joint savings account that I am under with her. In the year XXXX I discovered that between XXXX through XX/XX/XXXX, there were fraudulent foreign transactions being made on this account wiping out over {$25000.00} American dollars. While this was happening the bank did not notify me nor make any attempt to freeze the account on my behalf, when asked why they didnt they said that is not something that this bank does. And I know if it were any other bank with foreign transactions, it is stopped until it is verified that it was the account holder making the transaction. Moving forward, at the end of XX/XX/XXXX I received the last statements of the year which led me to discover what was going on. Come XXXX of XXXX a claim was made with the banks branch in which I sent evidence proving that neither I nor my mother were out of the country when these withdrawals were happening, they said they had sent me an email and I did not see a single message from them about this. I sent the evidence they asked for proving we arent there because it was by pin and to them that wasnt enough then a couple of weeks later, I received a letter from the bank saying that they deduced that while they were sympathetic to my situation, they were not liable for what happened. I complained once more and told the police what they could do. They said that the bank must order an affidavit for them to begin an investigation and take it further to assist me. Without this, they could not assist me until it was in hand. The bank did no such thing and while submitting my evidence I was told to write a letter on behalf of my mom when I explained to the bank XXXX my mother is XXXX with XXXX saying that a card that was apparently used to do these transactions had-had the pin number on the back and that she wrote it I nor my mother have this said card and if a pin was written I would not know how it would be in the hands of someone able to make foreign transactions if XXXX not in that country, they just assumed that we allowed XXXX to be stolen from the account when in XXXX alone there were XXXX transactions. The second letter I received about the decision was the same as before while sympathetic they said I did it and the case was closed. I sent sufficient evidence to combat this, and they did not help me at all to rectify this, leading me to reach out to other means of assistance. The evidence I'm providing on the statements is some transactions that I have made are clear to see amongst the many foreign transactions that appear on the pages provided that I DID NOT AUTHORIZE.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CRED Technologies dba cred.ai (TX)

To date, after insurmountable emails and phone calls to the cred technologies dba cred.ai, an agent of XXXX XXXX, they still refused to abide by the XXXX, XXXX, XXXXXXXX XXXX " NO LIABILITY '' policy of crediting {$3000.00} back to my account due to prompt reporting of UNAUTHORIZED TRANSACTIONS. 

Cred Technologies dba as Cred.Ai, an agent of XXXX XXXX, caused insurmountable financial losses due to their intentional negligence in providing proper protection to my customer deposit account, causing me to lose my home, car, credit worthiness, not only during the 2022 XXXX XXXX but continuing on. 

To date, Cred Technologies dba as Cred.Ai REFUSES to reply in a timely manner, taking 2-3 weeks to reply by email and refuses to have a manager in the USA call me when asked multiple times.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NM)

XXXX   XXXX   XXXX  has been trying to collect from me on an old windsteam bill from   XXXX  . I have continually disputed this account but it keeps popping up on my credit report. I have spoken to them and all they tell me is to make a payment to which I have repeated stated " this is not my bill '' but they refuse to stop reporting it on my credit report. I do n't know what else to do. I feel that they are abusing the fair debt collection practices act
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

XXXXm currently having issues with Chase and the amount of overdraft fees taken out of my account monthly ( {$650.00} ). Because Chase doesnt automatically deposit my checks and it takes some time before my funds are available. Ive called Chase and spoken to a representative numerous times. Because my account is constantly hot with overdraft fees Im unable to keep up with bringing my checking s account to a positive.
Consumer complaint received 2023-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NJ)

XXXX. it all started with XXXX my son needed his car repaired and the estimate was over XXXX dollars. He has no credit so I let them open a credit card in my name to pay the repair. Everything was fine and I had authorized the credit card. Then all of a sudden after having the car for a week and at the end of the week when the car was supposed to be done they call and tell him it needs an additional parts and the bill would be more. So the credit card company denied an increase in credit on the card and I was unaware of that fact so XXXX calls me asking for some info which I thought was to help increase the credit limit but it was not. What they did was enrolled me with XXXX XXXX XXXX without my knowledge or permission because they didn't even ask me if I had the means to pay the balance which I did. So XXXX XXXX XXXX gives them a little over XXXX dollars for the balance. I get a letter from them with my terms and they are XXXX dollars a month for 24 months which means I am paying back over XXXX dollars which I think is extortion. So please look into this companies practices. Tomorrow I am going to call them and try to pay it off but I have no idea if they will even let me and if there will be an early payment penalty which I have a feeling there will be
Consumer complaint received 2023-06-07
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2017-05-18
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. (IL)

I disputed unauthorized inquiries on credit report on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       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   XXXX   XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I received an alert on my phone that my card was charged for {$XXXX} on a hotel site. I did not authorized the charge, i was checking hotels at the time on XXXX. I called immediately my credit card company : TJX Rewards XXXX XXXX issued by Synchrony Bank. I explained the situation and requested the charge to be denied as it was still pending. The man on the phone said they had to let it go through but not to worry as they would investigate and refund the money to me. On XX/XX/XXXX i received the refund, then on XX/XX/XXXX i was charged again for the same and it was noted on the statement as a re-bill. I called to inquiry what has happened and they told me the merchant ( scammer ) had provided sufficient documentation to prove i made the purchase, i requested such documentation because it was a lie. The documents they sent were the merchant 's rules on cancellations and such ( i am sending this documents in the attachment ). I told them i did not care what their rules on cancellations were, because i have never made a booking with them to begin with, they stole my information ( i'm thinking because i have everything stored in google ( including the credit card to be prefilled ) and by this time i had already investigated more of this merchant, there were hundreds of complains same as mine on the site XXXX. I told the agent this and that i needed the dispute to be reopened. They reopened and sent me the same packet with the scammer 's rules on cancellations and told me they sided with the merchant. So i paid the credit card balance in full and closed the account in XXXX of XXXX. 
On XX/XX/XXXX i received a call from a man, he presented himself as an agent for the credit card company and asked if i was satisfied with the results of the investigation. I told him i was not but i did not care anymore as the account was closed already. He said if wanted to he would reopen the investigation. I told him to go ahead but i had no faith in their system. On XX/XX/XXXX i received an email from Synchrony bank containing a letter saying they would be refunding the money within XXXX  days ( letter is attached also ). 
Since i never got the refund i called to inquire about the check in XX/XX/XXXX, instead of looking into what happened with the check, they once again reopened the case, i did not hear back so i called on XX/XX/XXXX and they told me they sent a letter on XX/XX/XXXX siding with the scammers once again. I asked why would they do that and what happened with their resolution from XX/XX/XXXX. They said they did not know but the case was closed and against me.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : 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 XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-11-18
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: EQUIFAX, INC. (IL)

Equifix had a database breach and I was effected by it. All 3 of my credit reports were effected Equifix, XXXX and XXXX XXXX inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with equifix
Consumer complaint received 2023-02-21
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX I made 4 Request for Specialized Loan Servicing to : Return HAF Documentation for Application # XXXX for Texas XXXX XXXX XXXX XXXX Program so the State can make the past due payments RE : Loan No : XXXX The Texas XXXX XXXX XXXX team sent you the XXXX Form and requested information on about XX/XX/, 2022. 

I have also called over four times and sent several letters and email XXXX return the documents back to them. 

On or about XX/XX/XXXX, I called and the Customer Service Rep said I should check back within a few days. 

I called again, today, XX/XX/, 2022 and I am following up in writing. 

Please be advised that I am getting assistance from The Texas XXXX XXXX  XXXX team to pay past due balance that is XXXX says is delinquent. 

Send information to The Texas XXXX XXXX XXXX team so that they can process application and send you the funds directly. 

By and through this correspondence, return the XXXX documentation to the Texas XXXXXXXX XXXX XXXX by expediting application so payment can be released to XXXX. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-03
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-05
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: Experian Information Solutions 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. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX 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 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.