davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

My brother and I went to m & t bank in XXXX NY. With a promotional ad for XXXX sign up bonus to open choice checking account. So we both opened accounts. Well, 90 days and well over 4,000.00 worth of deposits between the two accounts. We are told the wrong promo code was entered. Between secure email. And phone calls finally get told wrong promo code was entered. And person is unavailable. Have called corporate customer service. That's how I found out about the wrong promo code. Still no resolve.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

I am XXXX XXXX submitting this complaint against Jefferson Capital System and there is no third party involved. Jefferson Capital System did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Consumer complaint received 2019-01-16
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: EQUIFAX, INC. (CA)

XXXX acct # XXXX : Did not inform me ASAP about autopay rejection until I found out myself. It was only a error I made with my autopay check #. I would have resolved this immediately if I was informed ASAP. Instead 2 months without payment to XXXX happened. I paid more than the minimum payment after I found out the deficiency. 
I have since corrected the automatic payments and also decided to close the account. 

also : FICO score complaint : I applied and qualified for a " prequalifying '' for home equity ( approved for {$150000.00} ) and mortgage ( approved for {$500000.00} ) from XXXX XXXX/ XXXX XXXX because I am in a hunt for a XXXX property in Oregon . The prequalify is good for 90 days. It expired last XX/XX/2018 and so I renewed my prequalifying, which is again approved by XXXX XXXX. The thing is I still haven't haven't found a home that I want to buy but I want to be readily qualified if I find the home I like and while I still haven't found a home, my prequalifying will expire again in 90 days and everytime I renew mt prequalifying, XXXX XXXX will again recheck my credits and this in turn will bring down my credit rating? I think this is unfair and it shouldn't count against my credit rating because I have already been approved for the mortgage.
Consumer complaint received 2016-09-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (WA)

They keep calling me and asking for somebody else who is y father I keep telling them they have the wrong number and still call me and leave me voicemails then they call other numbers looking for h dad and telling them they are going to take legal action they also call other family members which is not right this XXXX XXXX is calling and will call my uncles house!
Consumer complaint received 2021-07-15
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. (VA)

I submitted a claim to Experian thru the CFPB that I an a victim of identity theft, and there response was " the need authorization. I did check off the box on the CFPB that ask me to give permission. for the Second time, My name is XXXX XXXX and I GIVE AUTHORIZTION TO EXPERIAN TO CONITINUE WITH MY COMPLAINT.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I am XXXX XXXX submitting this complaint against Lvnv Funding LLC and there is no third party involved. Lvnv Funding LLC did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

Barclays can not provide me with payment info, they give me a number for XXXX ( XXXX XXXX XXXX ) and online, and over the phone, they are saying they do not have the debt ( Ref : XXXX ). When I contacted Barclays again they then stated the debt had been moved, but have not given me payment details, meanwhile I accrue late fees.
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there have been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me.
Consumer complaint received 2022-07-15
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. (CA)

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, 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 2020-11-06
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. (TX)

I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.
Consumer complaint received 2019-09-09
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: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX XX/XX/XXXX ON THESE DATES I RECEIVED INQUIRIES ON MY ACCOUNT THAT I DID NOT AUTHORIZE.
Consumer complaint received 2022-07-15
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. (CA)

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, 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 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : 823603 Please remove it from my credit report.

3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, Capital One received my notarized affidavit informing them of the federal law violations they acted on in connection with my open end credit plan. I am demanding compensation for causing damages to my name. Capital One has disregarded my legal documents, which makes them liable to compensate me for damaging my name and true consumer report. 

I am a natural person and a federally protected consumer. The XXXX defines an applicant to mean any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit.15 U.S.C . 1691a ( b ). As defined by Regulation B, an applicant includes any person who requests or who has received an extension of credit from a creditor. Both the ECOA and Regulation B require a creditor to provide a statement of the reasons for adverse action to an applicant.

Pursuant to 15 U.S.Code 1691a ( d ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. Pursuant to 15 U.S.Code 1691a ( e ), The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. I am the natural person who extended credit meaning I am the original creditor. 

You have been notified that your actions are detrimental to me and that you have violated ( including but not limited to ) the Equal Credit Opportunity Act, Consumer Credit Protection Act, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Truth-in-Lending Act. 

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also livid at Capital One intentional infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). As I am currently attempting to apply for credit, time is of the essence. 

Please understand that I am extremely concerned about the consequences of the actions Capital One is having on my life. Please be advised that, if this matter is not resolved by XX/XX/XXXX. In pursuant to XXXX U.S.Code XXXX, I am demanding a {$10000.00} settlement.
Consumer complaint received 2018-12-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (IN)

My name is XXXX and I co sign on a car XXXX XXXX XXXX my friend filed bankruptcy on the car they charged it off and they still trying to makee pay I sent the request to XXXX and no answer I disputed it no answer
Consumer complaint received 2018-12-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple capital one and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 an electronic payment was made in ERROR to XXXX, Synchrony Bank, in the amount of {$9000.00}. This was sent from my primary checking account with XXXX XXXX XXXX XXXX. The payment was intended for XXXX XXXX.

I noted this when I checked my account on XX/XX/XXXX. At the time of the payment, I did not owe any money to XXXX and in fact had a negative balance. I called the number on XXXX statement, which is Synchrony Bank immediately. They refused to reverse the funds or to issue a refund, but would only send a check under the following conditions : 1 ) Must fax ( no email ) A signed letter from my bank officer on letterhead stating that a ) my bank account was not overdrawn at the time of the payment, and b ) that the funds would not be reversed. Must be faxed to " XXXX  '' at ( XXXX  ) XXXX.

2 ) Must fax a copy of my bank statement ( XXXX ) showing the balance after the payment was made to prove that there were no overdrafts.

3 ) After the above items are received and accepted, they would issue only a paper check to me, which could take 30-90 days. They refused to make any electronic refunds.

On XX/XX/XXXX a letter was faxed to Synchrony from my bank officer ( XXXX XXXX ) as they demanded ( see attached documents ). I called them on XX/XX/XXXX and they stated the letter had been refused as insufficient. The call taker ( XXXX ) said she didn't have a copy because all declined/refused letters may be shredded. She would 'try ' to call my bank officer back on Monday. ( on the same day I desperately faxed a copy of my checking account transactions to Synchrony, just to move the process along - they later said they never received it ).

They do not make outgoing phone calls, so I called them yesterday on XX/XX/XXXX. No action had been taken on my account. I spoke with XXXX  ( they do not provide last names ). After being on hold ( again, usually about 20 minutes ) she said the letter had to say that the " funds would be honored '' even though my account clearly showed a negative balance now of > {$9000.00}, and my bank had confirmed that the funds can not be reversed.

On XX/XX/XXXX, I contacted my credit union manager and had him re-draft the letter including the language " the funds will be honored '' as required and fax it. He faxed it yesterday, even though he was astounded at these demands. Again, Synchrony has not called or confirmed anything and they won't.

I've paid the XXXX  bill with other funds that were hard to find and XXXX  is working with me on fees and potential interest due on that ( the amount was so high because i paid my property taxes and XXXX travel, gifts, etc. with the card! ). I need the money back from Synchrony ASAP!!!!. They will only send a check IF they even accept the info submitted and then only by check and then only requiring a signature ( and I'll likely be at work, unable to sign when it arrives ). This is a nightmare, unnecessarily created by Synchrony Bank.
Consumer complaint received 2020-09-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (VA)

Sometime during the month of May my spouse and I began the purchase of our first new home together. We had a few issues with the level of competence with one individual handling the information gathering of our loan, however, the complaint isn't 100 % about her because we do realize that she may have been overwhelmed or new on the job. Our complaint is regarding the gross unprofessional behavior exhibited by an individual by the name of XXXX XXXX who works for XXXX XXXX. XXXX is a Loan Officer in the mortgage department and his NMLS ID is # XXXX. After communicating back and forth over email regarding the veteran funding fee and a few other fees, my wife called him to gain a better understanding. XXXX was not only unable to clearly explain the fees, but he also made condescending statements about him being an XXXX and the level of his intelligence and ability to explain is superb, etc. After a long conversation and a high level of frustration, my wife and XXXX concluded the call. My wife called our realtor who was able to explain in greater detail. My wife then communicated with XXXX via email to advise that she was able to get the answers from our agent. At the conclusion of the conversation on XX/XX/2020, we were under the understanding that all required items were satisfied and settlement would proceed on Friday, XX/XX/2020. In addition, we received a clear to close letter from XXXX XXXX. To our surprise, XXXX sent an email to all parties involved in the closing with the exception of us ; the homeowners to be, stating that the closing was off and to halt all activities. We found out because we received a panicked call from our realtor. My wife immediately reached out via phone and email and got XXXX 's voicemail. Extremely concerned with having a roof over our head, we escalated our call to management and was eventually able to get our settlement back on the track. We complained to XXXX who said he was XXXX 's supervisor. He stated that XXXX didn't have the authority to cancel and he would follow up and see what happened. Ultimately, XXXX stated that XXXX made a wrong call. This is totally unacceptable and unprofessional behavior in my opinion. It has been weeks since our closing and we have yet to hear from XXXX ( not even on closing day ). As a result of the aforementioned, we would like to file a formal complaint against XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (CA)

Being charged for account lease by XXXX, For furniture that I had purchased and paid for in full same day and prior to original lease witch should have and was supposed to be canceled by store merchant manager due to not being properly trained and having little knowledge in regards to his ( job/position ). Witch led to multiple errors, false information, and countless times schedule to pick up merchandise ordered that I paid for and never received due to being very unprofessional and unorganized.
Consumer complaint received 2021-06-10
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: JPMORGAN CHASE & CO. (OH)

I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Recovery Solutions, LLC (CA)

My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company CONSUMER RECOVERY SOLUTIONS XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.