davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
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: Experian Information Solutions Inc. (OH)

So I had XXXX XXXX XXXX credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting XXXX about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

I was trying to make inquiries with the provided Chase Customer Service number after two weeks of card not being received on time. I tried to find out status and location of card. I put this call on speaker with my mother because I was unfamiliar with this bank and the steps need to replace my card that had never been recieved. After getting a representative on the phone he proceed to ask probing information that had never been give to Chase bank. He then said for security measure he needed to verify my phone number and attemt to text my phone. That text supposedly would not go threw nor any calls to my phone. He then state he was going to get a senior investigator to help with the security questions while he stayed on the line. The next person ( a Mr XXXX ) said he'd help with security questions ; then he asked me data sensitive questions that once again had nothing to do with the card or information I had give to chase to start the card. Questions on what other types of credit lines did I have. What was my mother 's maiden name and my employer also information I had not previously provided. When my mother began raising questions about the data hes was asking for he then got defensive and said he was fraud security and proceeded to act even more agitated. Im worried that he was collecting formation for fraud and my answers may be used to create a fraudulent account or hack my information. Or that this may be unsolicited data collecting.
Consumer complaint received 2023-02-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX, I sent a notarized Billing Error Notice to CARECREDIT 'S CEO XXXX XXXX via USPS certified mail with a Domestic Return Receipt. CARECREDIT received the Billing Error Notice on XX/XX/XXXX. 

I also sent a copy of the Billing Error Notice to CARECREDIT/SYNCHRONY BANK BILLING INQUIRIES via USPS certified mail on XX/XX/XXXX, and XX/XX/XXXX. Those Notices were delivered to their XXXX XXXX and picked up on XX/XX/XXXX. 

I am aware that CARECREDIT/SYNCHRONY BANK shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that " the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' CARECREDIT/SYNCHRONY BANK reported the account as 30 days past due on XX/XX/XXXX, which is a violation 15 U.S. Code 1666 ( e ). CARECREDIT/SYNCHRONY BANK also closed my account on XX/XX/XXXX, when there were no missed payments or reason to close my account, which is a violation of the FDCPA as well. 

Lastly, CARECREDIT/SYNCHRONY BANK has not responded with a rebuttal, point for point, which forfeits CARECREDIT/SYNCHRONY BANK right to collect the disputed amount as described in 15 USC 1666 ( e ).
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

After attempting to obtain a bank account for my business. I learned that XXXX has an open account from Bank of America. The account stated that I owe {$2500.00}. Then filed a Identity theft report with the FTC and a Identity theft affidavit with XXXX. After I sent in this information to both Bank of America and XXXX, I received a letter from XXXX. The letter says that the report is disputed by Consumers and Verified Accurate by the Financial Institution. The validation that was sent that the XXXX  have on their records is a document showing that I originally opened the account. It does not show that I did fraudulent activity of {$2500.00}.
Consumer complaint received 2020-04-13
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: Experian Information Solutions Inc. (GA)

There are two account from the XXXX  XXXX XXXX XXXX, and an account with XXXX or XXXX, and XXXX XXXX  credit card that was reported by me as identity theft and also reported to the FTC and to all three credit bureaus as fraud. The account was not deleted even after a police report was issued. I need the accounts removed from my bureaus as evidence was provided that its fraud and identity theft.
Consumer complaint received 2020-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, XXXX charged me {$270.00} for purchasing an XXXX XXXX  XXXX generation but the order never got delivered to me. They sent me a photograph showing the order was delivered but all I could see was that the order was abandoned completely unsecured on a remote floor somewhere which does not match my apartment location. The photograph is attached with this complaint. On XX/XX/2020, the next day, XXXX charged {$13.00} for the cover case of the XXXX  which I ordered at the same time as the XXXX, but I also didn't get it. Also, my bank refused resolving the unfair charge of {$81.00} and repeated assaults of $ XXXX  monthly overcharges scammed by merchant XXXX  XXXX on my credit card account for the past few months which really breaks my heart and worries me. Fair resolution to this issue will be resolving, rectifying, and refunding back the unfair changes back to my credit card account.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (PA)

Two unauthorized, fraudulent charges were removed from my checking account ( total {$1000.00} ) on XX/XX/XXXX. I was told that my money would be returned within 10 business days. Today is XX/XX/XXXX, and the money has not been returned.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2020 I noticed several fraudulent charges on my account dating back to XX/XX/2020 I disputed the transactions then in about 10 days I get an email from capital one saying they denied my disputes because they found no error 's. I called and Spoke with XXXX XXXX ID # XXXX who works in the Fraud Department at Capital One and he was immediately rude, evasive, and you could tell that he absolutely did not want to answer any of my questions or even talk to me. I asked him several questions which he either did not answer or just blatantly lied to me when he did answer. After asking about an XXXX dollar transaction I was told they contacted the merchants to verify the validity of the charges however all the fraudulent charges took place online so how are the merchants going to verify that they sold anything to me? At most they can only say we sold something to someone who was using his debit card. Anyway XXXX finally just told me " You are too much of a risk for us '' so we are going to no longer do business with you and their will be no further investigation our decision will not change your not getting your money back and furthermore we aren't going to do business with you anymore. I asked him if it wasn't just a bit too convient that capital one owes me almost XXXX dollars in fraudulent charges and then they decide they just cant take a risk by doing business with me anymore.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, CFPB. I am I writing today because I really need your help. Bank of America is unfairly reporting a late payment on my account ; which is not due to a money issue or even worse, that I did not want to make my payment on time as Ive always done. 

I have been quarantined while traveling due to Covid-19, couldnt travel to the US on XX/XX/XXXX that I was suppoused to be back, and had no access to my account. The account was to be on auto payment, I have emails confirming auto payment was made a few months ago, I even have the statements ( see attached proof ). 

The payment was due to an annual fee ; there was no way I could have known that the payment was not made, I didnt even know there was a balance due to an annual fee ; and even if that was the case, the account is enrolled in auto payments. I have more than enough money in my Bank of America checking account ( see attached proof ). 

I also want to emphasize that I have never been late on this account. I have been a loyal customer for more than 6 years, and I believe I dont deserve Bank of America to report erroneous information. This is unfair, and I am now having a high level of stress. My credit score has decreased many points because of this erroneous report, and this was not my fault. 

Please see bellow account information : Bank of America credit card. Account # XXXX, opened XX/XX/XXXX, limit {$1800.00}.
Consumer complaint received 2020-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt. 

Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. Please send all communication, by mail, to : XXXX XXXX XXXX, XXXX, NY XXXX I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

Thank you for your cooperation, and I look forward to your response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
The following are the specific accounts in question XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Local Law Enforcement Agency and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 
I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 
A written statement confirming the removal of these accounts from my credit report upon the completion of your investigation. I understand that this is a serious matter, and I urge you to act promptly to rectify this situation. Failure to cooperate in resolving this matter may result in further legal action to protect my rights and creditworthiness.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOV ASSOC Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I would like to see what they have that proofs this is my debt. I want to see what i signed to authorize this.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.
Consumer complaint received 2020-06-13
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: EQUIFAX, INC. (NY)

Company : XXXX XXXX XXXX XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
I have attached a copy of the final payment letter and from what is written they sure they will remove it from my credit report and never did.
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-06-13
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: SACOR FINANCIAL, INC (CA)

Sacor Financial Inc pulled a hard credit inquiry without my consent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX also pull a hard credit inquiry without my consent on XX/XX/XXXX.