davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 @ XXXX XXXX I received a call from XXXX ( XXXX ) XXXX stating they are Chase fraud line saying someone is trying to access my card and would close it and sent new one. I said ok close it and they text me code to chase text number ( XXXX ). After five days checked my accounts and it shows still active and multiple ATM transactions in total {$3600.00}. All this ATM transactions were made each by {$140.00} {$160.00} and {$20.00} this transactions happened in two days and still my account was not giving me notifications of transactions which I received all the time. I called chase to claim fraud they said they will investigate it and never call back. After four days I called back and they denied the claim stating the person that used my ATM used face ID to pay which I dont understand and they said there is nothing they can do.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

I am going through some financial hardship because of my childs XXXX XXXX a few months ago. I tried getting into my XXXX syncrony account but it said my account doesnt exist or cant be registered. So I had to order a new one. Im hard of XXXX  and using the phone doesnt work for me, but they have no option for secured messaging. I finally got a hold of the customer service email and I explained my situation and that Im waiting on a new card and hoping itll work to register with.

I want to apply for financial hardship but I cant because the original card they sent me wont register, which means I cant apply for financial hardship and I cant do it over the phone because theres nothing compliant for the hearing issues I have. So instead of answering my emails I get several calls and emails and texts.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I recently reviewed a copy of my credit report on XX/XX/2019 and noticed that were unauthorized, inaccurate, or made in error. 

Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

On XXXX XXXX, 2022 I received a virtual XXXX prepaid gift card with {$75.00} in value. This was sent to me via email. The email contained a link to their website which showed balance, transaction history, and the card number. I was able to spend about half of it over the next two days. On XXXX XXXX, 2022 I attempted to access the card number and balance through the link provided in the email. However, the site gave a " system error '' and instructed me to come back again later. Over the next two days, I checked periodically but received the same error. On XX/XX/XXXX, I called the company and was given a runaround for over 2 hours. They were unable to tell me why I could not access the information nor provide any estimated resolution time. As far as they seemed to be concerned, there was nothing they could do.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NV)

On XXXX XXXX I clicked on the " XXXX '' in my XXXX list. I got a message on my screen that stated " possible fraud '' call XXXX. Over the XXXX  years that I had my Citibank accounts have seen that pop-up message XXXX  times. I called the number and the call was answered and stated " Citibank Security, XXXX ''. XXXX stated that he needed to check my accounts due to the possible fraud. Naturally, I thought I was talking to the real Citibank Security and I gave him my access code to my accounts. After XXXX  days, I realized something was wrong. By then the damage was done. My Savings account of {$300000.00} was stolen. I called the real Citibank to report the issue. The Citibank Fraud Department worked the issue. On XXXX XXXX I started receiving letters from the Citibank Fraud Department stating my claims to get my money back were denied. As of this date, XXXX XXXX, they are still denying my claims. I talked to a Lawer and was given the info for CFPB. The Lawer also stated that Citibank had to have Security issues that caused the fraudulent phone to be displayed when I clicked on the XXXX web site.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

On Tuesday XX/XX/2022, I checked my Credit on XXXX XXXX and it shows a Derogatory mark. I was confused because I never had any type of debt with WAKEFIELD AND ASSOCIATES or anyone in general. I called them on their direct phone number and no one answered me. The Derogatory mark says " opened '' since XXXX. I never owed anyone and it is impacting my Credit score significantly. These people are scamming me and I need to get this resolved as soon as possible. It claims I owe {$940.00} but I have never payed or owed in that amount. The original creator is XXXX OF ALABAMA XXXX XXXX, I owe no one with this sort of money and I have never received any kind personal phone call or electronic mail or to my address. I am not sure how to dispute this, if i could be helped to get this resolved. Thank you.
Consumer complaint received 2022-11-30
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)

accordance with the Fair Credit Reporting act XXXX  Account # XXXX for 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 my written instructions
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL (GA)

I owe a bill with Synchrony Bank. I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into XXXX  do to XXXX failure. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XXXX XXXX. My house note is XXXX behind and doing my best to catch up. Please see attachment for date and amount. Thank you
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

TD bank is reporting inaccurate data to XXXX : XXXX negative date is XX/XX/2016 according to their data, TD Bank is reporting to XXXX XX/XX/2016 as XXXX negative date. 

TD stated a XXXX amount due, TD Bank is reporting to XXXX a balance of {$45000.00}. 



TD Bank is required to report all accounts to the credit bureaus fairly and accurately per the Fair Credit Reporting Act. Unfortunately, unless the credit mark is verified to be a result of bank error, courtesy removal requests do not align with the fair credit reporting rules and regulations. 

THIS IS A HUGE ERROR, THIS DOES ALIGN WITH THE FAIR CREDIT REPORTING RULES
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Phillips & Cohen Associates, Ltd. (TX)

To Whom It May Concern : PCA never provided competent evidence that I have a legal obligation to pay them. 

Including but not limited to the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent In addition their offices have reported invalidated information to the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company of the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Consequently, any negative information must be removed immediately pending validation! 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to request the removal of a charge off from my credit report, as it is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this charge off is in violation of section 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) of the FCRA, which require that credit reporting agencies accurately report credit information and investigate disputes.

I am still receiving notifications of the card being charged, which further demonstrates the inaccuracy of this charge off.
Consumer complaint received 2022-10-21
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: FORD MOTOR CREDIT CO. (GA)

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Vehicle Solutions Corp (TX)

I had a voluntary report in XX/XX/XXXX. Vehicle Solutions Corp took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that Vehicle Solutions Corp Sold the truck on XXXX and registered in North Carolina. I immediately contacted Vehicle Solutions and reported what I have learned. XXXX Vehicle Solutions representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.
Consumer complaint received 2022-12-20
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. (IL)

XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-03
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. (FL)

hard inquires that I do not recognize on my XXXX and Equifax credit reports. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MS)

I have sent in dispute letters on several different occasions asking the credit report bureau ( Equifax ) to mail me out documentation that shows that XXXX accounts belong to me XXXX XXXX XXXX, XXXX and have not received documentation. The first dispute letter I sent was in XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 in which I have n't received anything in the mail but can log into the Equifax dispute center online and was able to review a letter from Equifax stating the account has been verified but with no documentation listed. I have mail out dates starting back from XX/XX/XXXX but yet to receive anything that states this is my bill and should be on my credit report. I also called and spoke with a representative that advised me that the accounts were verified over the phone with account holder and I thought that 's not how an account should be verified, I need some assistance with this situation because I am being ignore by Equifax and need documentation to prove that the account has not been verified by the bureau ( Equifax ).
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (MN)

Complaints against First National Bank of Omaha is one account the other is a card service that they manage for XXXX XXXX XXXX. I'm not receiving any card statements in the mail in order for me to know all essential information about the account so I can make timely substantial payments. They claim they are not required to send out such statements by mail or via email. I believe this was not in the terms of the contract for card services. They want their fees no exception. I have a credit score of XXXX and I am a successful Sole Proprietor who uses the credit card for business. I believe I am getting stolen from in the form of wire fraud and anything else you can think of
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I obtained a loan from Capital One Auto Finance ( COAF ) for a XXXX XXXX. I received an email from COAF offering bi-weekly payments. I went to their website from the email link and configured my bi-weekly payments to begin on XXXX. First payment was due XX/XX/XXXX. I received an email from COAF on XX/XX/XXXX indicating my payment was late. I confirmed via my Capital One account that my payment was sent via ach and received on XXXX. I called COAF to inquire and was told that since my bi-weekly payment, configured on their site as prompted by their email, was only XXXX of the balance due my account was considered late. 

I used the Capital One system to configure my payments. There was no indication that by setting my first bi-weekly payment on XXXX that my account would be past due on XX/XX/XXXX. The system should have sufficient controls built in to advise the customer that the condition was not adequate, that the first bi-weekly payment needed to be due XXXX weeks earlier or that an initial full payment was required to keep the account current. 

I complained to COAF about the lack of system controls and lack of clarity in the emails and on the website related to configuring bi-weekly payments. A complaints agent indicated that she had heard this same complaint from other customers and that Capital One had done nothing to improve their processes or information to mitigate the issue. 

I believe the lack of controls and failure to act has resulted in additional interest accruals for me and potentially thousands of other COAF customers. Capital One is gaining interest income by continuing these deceptive payment plan advertising schemes and failing to remediate a known issue resulting in negative financial impact to customers.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Other — 
Company: Capital Management Services, LP (FL)

Got a call on a credit card account that was delinquent and had been turned over to Capital Services debt management to collect the outstanding balance of ~ {$2500.00}. I did not recall having an account with the credit card company, XXXX. I then called XXXX and they confirmed that I DID NOT have an account with them. I then called Capital back, but they would not discuss anything with me unless I gave them my SSN. I was not about to give then any information, so we hung up. 

I looked the company on the Internet and saw/read many complaints. Sounds like these folks are scammers and I wanted to report them to someone official.