davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
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. (NJ)

Only reported to XXXX, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by XXXX this XXXX. This would only occur upon applying for any Chase related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In 2012 Bank Of America refused to close my accounts or issue an order to stop payment, or accept my fraud complaint. They kept my accounts open and continued to allow my accounts to be charged, and charge me overdraft fees, thus causing undue stress and issues. My accounts were added funds which I wanted to reverse from XXXX loan companies, online source. They refused to help me with anything and I refused to continually add funds to my accounts until they fixed.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I got synchrony bank XXXX XXXX card. They never informed me that my promotional interest expired. I had it set up on automatic payments. I opened my statement and realized that I have been charged 27 pct apr for the past 2 years. They should send a physical letter informing customer that promo period has ended and u going into interest period if u dont pay in full. They trying to tell me that it was mentioned in one of the statements but they well know that when u have on auto pay no one looks at the statements and hence they should be sending letters. I basically paid interest for two years at 27 % apr which In itself is super high. When I realized they have been openly stealing from me i repaid in full. This product is really pushed by dentist and other doctors and the way Symphony communicates or rather doesnt - they encourage u to go paperless and automatic it gets American consumer further in medical debt. Basically my procedure cost me 50 pct higher than original cost. This must end
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OK)

The mortgage company can not find a payment I made in XX/XX/2021. They have charged me over 12 times for a property inspection of {$20.00} each occurrence. I have called and requested to speak with the department that is supposed to research payments. Ive requested to speak with supervisors. They will not allow me to speak with a customer service rep who will take notes and then say someone will call me back. I have never received a call back. I sent the bank information of the payment on XX/XX/2021. The mortgage company says they can not find the payment although I have sent the documentation showing the payment I have made.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NJ)

XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding pending legal action filed by SELIP & STYLIANOU LLP with the XXXX XXXX XXXX XXXX XXXX, in New Jersey Docket # XXXX which required a response by XX/XX/XXXX. 

Plaintiff : SELIP & STYLIANOU LLP Amount : {$3800.00} Per the Fair Debt Collection Practices Act, SELIP & STYLIANOU LLP has violated the sections below : 15 U.S. Code 1692e. False or misleading representations SELIP & STYLIANOU LLP shall not threaten to take any action that can not legally be taken or that is not intended to be taken. 

15 USC 1692g ( 5 ) ( d ) Legal Pleadings SELIP & STYLIANOU LLP has violated 15 USC 1692g ( 5 ) ( d ) by sending a Civil Action via the Superior Court of New Jersey, Docket # XXXX as initial communication. 

XX/XX/XXXX, my letter for a debt validation was received by SELIP & STYLIANOU LLP. 

As of XX/XX/XXXX XXXXELIP & STYLIANOU LLP has not responded to my debt validation request and has not complied with the FDCPA. 

During the 30 day period starting on XX/XX/XXXX, SELIP & STYLIANOU LLP is obligated to cease collection of debt instead, SELIP & STYLIANOU LLP has continued their collection activities by sending a letter on XX/XX/XXXX requesting payment for a reduced amount of {$1400.00}. 

15 USC 1692g ( b ) Disputed Debts SELIP & STYLIANOU LLP has violated 15 USC 1692g ( b ) by continuing collection activities - In numerous instances, through the means described above the Plaintiff, SELIP & STYLIANOU LLP has violated the Fair Debt Collection Practices Act and is obligated to pay {$1000.00} for violations described to the defendant.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CT)

I have a Target REDCard with a small balance. I tried to set up automatic payments in XXXX, like I do for all of my bills. I thought I had done so. I never received a notice or bill until XX/XX/XXXX when target advised me I was very late on my payment and late fees were due. 

I have tried unsuccessfully to make an automatic payment of the balance due. Target simply responds to me that there is nothing it can do, and that I must pay the substantial late charges I have returned all of the items purchased from Target. I have sought technical assistance and still can not set up automatic payments online. The website is not easy to use in this regard. It will display all of the checking account information I insert to authorize automatic payments, but it is difficult or impossible from that point to do anything else. Apparently, even though i did all of that, no payment from my account was actually made. I have contacted target multiple times by phone, but no one to whom I have spoken either can or will do anything at all to assist me. 

This is simply unfair and must be illegal conduct.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (FL)

I paid account in full, even though it was not mine account ( because fraud complain did get me to no where ) .I submitted the paperwork to all 3 credit bureaus, but yet they saying that everything is accurate : Account number is nit correct Date of Last Active is not consistent I requested investigation report, but never received They received a confirmation about this account paid in full No updates or proper investigation. were ever made .FCRA violation.
Consumer complaint received 2018-05-13
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: General Motors Financial Company, Inc. (PA)

On XX/XX/2018 I test drove a truck. I asked the salesman how much it will cost he said fill this information out. I said I dont want a hard credit check and he said we only do soft checks in the beginning. Here it turns out he lied to me and did a hard check!
Consumer complaint received 2022-03-04
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid account in full, even though it was not mine account ( because fraud complain did get me to no where ) .I submitted the paperwork to all 3 credit bureaus, but yet they saying that everything is accurate : Account number is nit correct Date of Last Active is not consistent I requested investigation report, but never received They received a confirmation about this account paid in full No updates or proper investigation. were ever made .FCRA violation.
Consumer complaint received 2020-02-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (KS)

Comenity Bank has called my parents home multiple even though I do not reside In their home and have not for years multiple times during the day harassing my parents for my contact information, even though they already have it. They attempted last to call and obtain this information on XX/XX/2020 at about XXXX today.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-10-26
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX mail was stolen out of our mailbox. Within minutes Of it happening I called my bank fifth third to let them know that my mail was stolen and to flag my account for any suspicious activity. There was a check payment to XXXX XXXX  in there for {$88.00} and I gave the check number and around the time it happened. Later that evening I was checking my account on my mobile app only to see a check that was bleached out XXXX XXXX XXXX  check ) and made out to a person by the name of XXXX XXXX XXXX. Since it was after XXXX I couldnt reach my bank until the next day. I went in to file a fraud report ... ..which was done incorrectly and didnt even find that out until I called them to check on the case. So I had to go back to 5/3 and have another fraud report written up and so my case wasnt even looked at until XX/XX/XXXX. I have also filed reports with the XXXX police dept and the United States postal service and the comptroller of currency ... .all of which have failed me. They basically say that because the check was cashed by XXXX  its really out of their hands and that they have 180 days to put the money back into my account. My latest contact has been with XXXX XXXX from the comptroller of currency who basically said that there is nothing they can do. He is my contact now as that as what I was advised to do by him. I feel like my money was not protected by a bank that is supposed to be FDIC. I feel like my funds should have been reimbursed during this process for multiple reasons but mainly because I gave them all the information that they needed to know and they still didnt protect my money. Its a scary thought to know that I bank with a bank that doesnt protect me or my funds. I am running out of people to help me.
Consumer complaint received 2018-05-13
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. (VA)

On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On all 3 of my credit reports XXXX XXXX reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because XXXX XXXX know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since XXXX XXXX had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against XXXX XXXX. The information by law should be removed until the litigation is completed.
Consumer complaint received 2022-06-18
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 (IL)

Capital One 360 bank allowed for transactions to be approved by unauthorized users. I was at my home in XXXX during the times that charges were made to my account in XXXX and so far I have found two names that do not have authorization to use my card. One was " XXXX XXXX '' and the other was " XXXX ''. The first one made a reservation at a casino/hotel and when i called them they sent me an email appologizing saying that it was indeed a fraudulent charge. There were other charges approved for a Helicopter tour to the tune of {$1200.00}. Along with that the rest of the charges were for dinners, XXXXXXXX XXXX XXXX XXXX XXXX 

When I call CapitalOne to dispute the charges they told me it would be 10 days for them to investigate. When that ten days were up they denied my claims of fraud saying that it was in line with my spending habits. I do not use other people 's names when I charge my credit card. Also, i have provided them proof of my whereabouts during the times of the transactions. I actually have a charge on my account that happened at the same time whoever stole my card number was in an XXXX in XXXX. They have been absolutely rude and obnoxious to the point that when I said I will be leaving the bank the Customer Service supervisor said, " Whatever '' I am currently tracking down and reporting these fraudulent charges to the vendors that were on the transaction list. I still have not received any money back from the bank that let someone, who was NOT me use my card fraudulently. Please feel free to contact me for more information as it is a lot to type up. Thank you
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX, XXXX  I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
COLLECTION NAME XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Consumer complaint received 2020-02-03
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XXXX   opened XX/XX/XXXX opened XX/XX/XXXX ( authorized user )
Consumer complaint received 2018-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2018 I sent XXXX XXXX or XXXX {$650.00} on XXXX in exchange for a purse in which she has not replied therefore I was scammed. I called my bank XXXX in hopes of it being resolved however they are unable to help seeing as though it was authorized