davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scott Fetzer Financial Group Inc. (CA)

On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX 401 ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to XXXX XXXX XXXX ... I contacted XXXX XXXX XXXX and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disputed a late payment that was reported on my credit report. The account was from XXXX XXXX XXXX XXXX. It was late payment from XX/XX/2023. That account was on automatic payments and should not have been marked as late. I have disputed this and it was reaffirmed.
Consumer complaint received 2022-12-18
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. (WI)

Reports violates my rights to financial privacy under 12 U.S.C.CHAPTER 35 XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX XXXX XXXXXXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXXXXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge off XXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XX/XX/2022.
Consumer complaint received 2023-01-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-10
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

TJMaxx Credit Card, I made a payment in full for {$82.00} on XX/XX/2019 it did not show as paid on my online account. It appears it posted later XX/XX/2019, however I paid again as it didn't show as paid. Once it did  appear I reversed the overpayment by stopping my bank from paying a second time. I also called TJMAxx CC to inform them to not process this second payment of {$82.00}. As a result I now have a credit of $ -XXXX. It would have been $ -XXXX. However by stopping overpayment only was a credit $ -XXXX. 
Today XX/XX/2019, I received a disturbing letter dated XX/XX/2019 from Synchrony Bank stating they decided to close my account : Reason for decision : the number of dishonor payments on this account. 
( 1 ) my bank reversed overpayment the TJMaxx agent I spoke to indicated there was no record of me speaking with a TJMaxx agent upon realizing I overpaid. I did speak with their agent. However appears nothing was noted. 

I called today spoke with XXXX and escalated to XXXX. They continued to tell me due to the " dishonored payments '' they could not reverse. Even though they agreed it would be an overpayment. As my account now indicates a credit of $ -XXXX. 

Originally this CC was unsolicited and sent to me while they took it upon themselves to close my original TJMaxx Rewards card and replace with the current credit card. Not my choice. My TJmaxx cards have always been paid in full every month. Never carried a balance. In addition I had earned numerous reward certificates for purchases that are now invalidated due to their decision to close this account on the basis of me stopping an overpayment to this credit card. 

Complaint : 1. Closing my account based on overpayment 2. Invalidating reward certificates earned due to closing my account Please advise. As I like many work very hard to make my payments and pay most cards in full to avoid the unreasonable APR fees. I am upset as this affects my credit rating and I loose rewards earned. 

Thank you XXXX XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC. (MS)

I have contacted XXXX on numerous occasions to cancel their services, due to the fact the equipment did not work in my area and I was unable to reach their repair services to correct the issue. Therefore the debt is not owed.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rodenburg LLP (MN)

I received a notice in the mail on XX/XX/XXXX about garnishment of my wages from XX/XX/XXXX. I never received any documents about this lawsuit. Was never served. They never verified the debt. This is stemming from an old credit card from XXXX I believe so it is past the statute of limitations on MN. The amount on that card was around {$1500.00}. They are claiming I now owe {$2200.00}. They have garnished/frozen my bank account and I can not pay my bills. I have sent 7 emails the last two weeks and called 5 times and left voicemails. They refuse to respond to me. I need an answer immediately for what the options are as they are now destroying my availability to pay my current bills which is unacceptable. Especially as this judgement I allegedly from XXXX and I never got any commutations about it.
Consumer complaint received 2021-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent several correspondence to each company and as of today no response has been given. Im starting to feel like a number rather than a person. I noticed these inaccurate recently and I researched how to get these removed and in doing so I found my information was compromised in the XXXX data breach. Now more than ever I fear my information has fallen into the wrong hands. Please assist in helping me get through this.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (TN)

These Hard inquiries was not authorized according to consumer law 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter These Hard inquiries listed below were unauthorized : ( 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  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (FL)

Since XX/XX/XXXX I have tried to close checking, credit cards and line of credit accounts with US Bank. I have tried in branch, at drive up windows and their call center ( XXXX ). I sold my house in at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and stopped using the XXXX XXXX at a neighborhood XXXX  Store too as of XX/XX/XXXX. That address at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank continues to send confidential information to that XXXX XXXX that I have not used since XX/XX/XXXX. I moved permanently to Florida on XX/XX/XXXX. On Friday XX/XX/XXXX I received a collections letter from XXXX XXXX trying to collect money from me concerning bills I never received from US Bank for fees on accounts I thought I had finally, successfully closed once again on XX/XX/XXXX via multiple calls into their call centers. That did not happen. Instead without my knowledge or authorization US Bank moved funds from a line of credit every month into the checking account I thought I closed and then added additional fees to my accounts and never send me a paper bill. On XX/XX/XXXX I wrote a written response to the collection agency with documentation showing they were attempting to collect monies not due. Next, I called into US Banks call center and opened a new request to close all accounts that request is filed under their system as XXXX. But was told I needed to call their credit card department at XXXX on that request # XXXX I may be canceled one of many credit cards I need closed but are still billing service fees on other US Bank products I thought I had closed, most recently in XX/XX/XXXX. The agent told me one of them she was unable to close. That another dept. @ XXXX handled those accounts but I would need to verify an account number that ends in XXXX of which I have no record of. Now I am concerned there are fraudulent accounts tied to my social security number and what US Bank calls my Total Business Account which seems to me some master file that I can not access all of via their web tools or with their call center agents. I am a XXXX widow living in Florida and there are no US Bank branches in Florida XXXX I need 1 person, who will be held accountable to research all their data bases and clean up my records and close the accounts I have asked them to with a XXXX balance as I have not used any of them sometimes in 5 years and others since XXXX of XXXX the last time, I thought I had closed all the accounts I needed to close.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

upon pulling my credit i noticed i had a credit card from capital one bank # XXXX XXXXhat was opened fraudulently in my name XXXX only noticed cause i attempted to apply for credit card with your company and it said i had XXXX
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I am a victim of identity theft, and an account was fraudulently opened with Discover Bank using my personal information, including my name, XXXX, and date of birth, on XX/XX/XXXX. The address and phone number used to open the account were not mine, and they belong to the thief. 

I am a XXXX citizen who has been living in XXXX for the past 13 years until I came to the XXXX for work on XX/XX/XXXX. At the time of the identity theft, I was not present in the XXXX and did not have any address here. I discovered the fraudulent activity after my arrival in XXXX, and since then, I have been disputing the fraud account with Discover Bank . 

I have submitted a Police Report, Passport Copy ( with stamp pages ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. for past years ( issued by XXXX XXXX and Border Protection ), my VISA status, and all possible documents to prove that it was impossible for me to open an account, receive a card, or make any transactions in the XXXX during that time. However, Discover Bank keeps denying my dispute, claiming that the account was opened with my information and that a statement was sent to the thief 's address. It seems like the investigator is missing the whole point that my ID was stolen and used to create a fraudulent account, and that Discover Bank sent the fraudulently made card to the thief 's address for illegal use. 

Timeline : XX/XX/XXXX : Called Discover Bank, advised to call collection agent ( Radius Global ) XX/XX/XXXX : Called XXXX XXXX, advised to wait for notice XX/XX/XXXX : Received a letter from Discover Bank, asking me to submit dispute by fax XX/XX/XXXX : Sent fax to dispute ( explanation letter, SSN copy, Passport, Police Report, etc. ) XX/XX/XXXX : Received a denial letter from Discover ; called to reopen the case and sent fax again ( same as XX/XX/XXXX ) XX/XX/XXXX : Received another denial letter from Discover ; called to reopen the case and was asked to submit passport stamp page XX/XX/XXXX : Sent fax ( explanation letter, passport stamp pages, US Gov documents, XXXX copy ) XX/XX/XXXX : Called Discover and confirmed the receipt of fax XX/XX/XXXX : Received another denial letter from Discover XX/XX/XXXX : Called Discover to reopen the case again.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

Chase have had my account froze for XXXX weeks now ever since I deposited a cashiers check in my business account. The XXXX check cleared and was paid on the XXXX but their teller me they need to speak to the maker to make sure its a good check. The maker of the check also has chase, meaning they should be able to contact this person with no problem. So basically my account have been restricted for XXXX weeks and their telling me if they dont talk to the maker my account will automatically shut down in XXXX to XXXX business days. The check was paid out on XX/XX/XXXX so why am I suffering because they cant contact the maker?
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Global Lending Services LLC (GA)

I got a loan through XXXX which the loan is through Global Lending Services they h keep reporting on my credit report late payments which I sent a letter to them explaining that late payments on a consumer report is illegal and fraudulent and they need to delete it off my credit report from all credit bureaus all they sent me is bills and what I owe.
Consumer complaint received 2018-08-31
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: Diversified Consultants, Inc. (OH)

Please see the document attached to this complaint. Diversified Consultants has  advised that XXXX XXXX recalled this account in XXXX of XXXX. I just need this to be removed from my credit file
Consumer complaint received 2023-01-16
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. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OH)

i have had several issues with coinbase, they don't have ANY customer support and make it impossible to resolve issues and problems. i made a 4 figure transaction on coinbase this morning that never arrived, and i have NO WAY of getting support from them. How is this MAJOR financial institution allowed to operate without ANY customer support?????
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Case Number : XXXX Date Filed : XX/XX/2014 - Today I contacted the District of New Jersey at XXXX XXXX XXXX, XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX with the phone number ( XXXX ) XXXX and help desk phone number ( XXXX ) XXXX. They informed me that they do not supply information the third parties. How did you verify this public information?
Consumer complaint received 2023-01-07
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I went to a trade school in XXXX the school was called Career colleges of XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XXXX and in XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.