davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

I have made on time payments every month on this account. On XX/XX/2022 I paid the full balance of {$6100.00} which would zero out my account. This company has not been reporting my payments from XX/XX/2022. 

I called them on XX/XX/2022 and was told that they report after 45 days and to contact the bureaus. It has been 4 months since the last update which was in XXXX. 

I have filed disputes through all the credit bureaus and I am waiting for a resolution. 
This has been happening to everyone else as well.
Consumer complaint received 2020-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (AZ)

I checked my XXXX  XXXX. Every collections account is wrong. I have a charge from XXXX XXXX. Never heard of it. PYOD-never heard of it. XXXX I did go to. But I paid XXXX in cash and used my XXXX XXXX XXXX. I think the 4th one is Target. That one is my mom 's account. I have disputed all of them. Target wants me to pay for a notary of my signature. I have told them that they are mistaken. I have sent them a copy of mom 's death certificate. They refused to remove the mark on my credit. She lived with us. I sometimes paid her bill on my credit card.
Consumer complaint received 2020-12-19
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)

Dear XXXX XXXX XXXX XXXX, I request the credit report you accessed for the attached incomplete and undated loan application. The copy of the credit report will prove you did not have permissible purpose and the loan was fraudulent. 
Dear Transunion and XXXX, XXXX XXXX XXXX XXXX will refuse the above request and label as duplicate complaint when they haven't furnished a copy of the credit report by law. I expect Transunion and XXXX  to refuse any simple reply that XXXX XXXX XXXX XXXX is reporting accurately and to review the documents for yourselves. 
I also expect no one to reply with a form reply to remove this off your desk and feel you have done your job.
Consumer complaint received 2020-12-19
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. (MI)

On XX/XX/2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving Equifax and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I am a victim of fraud ; my checking account was fraudulently invaded by a group who identified themselves as part of " XXXX, '' and my membership was to be charged approx, {$340.00}. 

I immediately called the number to get that amount reversed ... that when the fraud began, I was asked to fill out a form that would solve the problem ; he assured me there would be no problem... was filled out by the " finance officer '' I spoke with filled out the online return, and I was asked by the so-called " finance officer to very the form... it got to the point of refund, and I immediately noticed the error, he directed me to check my account which I did, and the amount of {$54000.00} showed in my balance ... from trying to correct a {$350.00} refund turned into {$54000.00} return, which immediately made the {$350.00} refund a moot point for a minute. That started the fraud in motion. I was robbed of a substantial amount of XXXX, figure amount to be exact. I have documentation and proof of what happened ... this was a severe blow on my behalf I would like to see Chase bear some of this ... as of this date, other than a case number opened, I haven't heard a comment from their fraud because ... filed with Chase XX/XX/2022 2022
Consumer complaint received 2022-05-13
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: JPMORGAN CHASE & CO. (CA)

I got a message from XXXX saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with chase bank I have never had a chase bank account I called Chase bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for XXXX it was not mine I then called XXXX and requested a fraud prevention as well as it to be removed from my XXXX credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

I opene d a Barclays Aviator Red MasterCard o n  XXXX   XXXX ,    2017. Ba  rclays cla imed that I would be able to upgrade  my Aviator Red MasterCard to an Aviator Silver MasterCard 90 days  after opening the card.     I calle d Barclays o n  XXXX   XXXX ,  2017 and  was told that the card was n't 90 days old y et ( even  though it wa s ) so  I needed to call back after my  XXXX  statement closed for the system to reflect the age of the card. I thought this was odd, but called back tonight and the person I talked to and their supervisor said that the card ca n't be upgraded and that offer is n't available.     Basically Barclays lied. I 'd like the card upgraded to  a Silver MasterCard, o r I 'd like the account closed and the inquiry removed from my credit report for this false advertising from Barclaycard!
Consumer complaint received 2015-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Social Finance, Inc. (TX)

Sofi has ignored my request to stop sending me emails concerning refinancing of my student loans despite following the instructions they provided now XXXX times. XXXX times I have received " confirmation '' Sofi has removed me from mailing lists, but the emails keep coming. This has been ongoing for more than one week.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-12-19
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 — Problem with personal statement of dispute
Company: Synerprise Consulting Services, Inc. (OK)

In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the Dr. related to this item on my credit report. I have instructed XXXX  to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

XXXX  has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (CO)

Hello 1st. XXXX XXXX XXXX keeps mailing personal information of mine to old addresses that I know longer reside at. 
I have called national credit systems on many occasions to have them remove the old addresses and I have given them my current address and correct phone number and they still keep sending my private information to old addressed. I only know this because my XXXX ex husband resides at the address that national credit systems keeps sending my mail to. XXXX XXXX XXXX has also discussed debt details to my ex husband and this is absolutely not okay. 
2nd. The debt they are accusing me of has been settled with the original creditor. I have sent receipts as well as a copy of my bank statements to national credit systems where they still refuse to remove my debt because I did not pay them directly.
Consumer complaint received 2020-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

Honda Financial Services ( hondafinancialservices.com, account number XXXX, Automatic monthly payments have been setup and mostly operating successfully since the XXXX XXXX was purchased new in XXXX. In XX/XX/XXXX, the automated payment of {$260.00} failed. The XXXX  XXXX XXXX checking account used for the automated payments had over {$11000.00} in checking in XX/XX/XXXX. We typically keep a significant balance in this account to pay this and other automated bill payments. When we became aware of the error, we paid Honda Finance {$520.00} in XX/XX/XXXX, and {$530.00} in XX/XX/XXXX, to resolve any unpaid amounts and fees. Honda Finance posted a negative report to financial reporting agencies, which has significantly lowered my Credit Score and rating. Honda Finance is unwilling to resolve this issue. I can not qualify for a new Home loan because of this negative credit report, which I do not believe I should be responsible for.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/22 my debit card account was charged for XXXX. On XX/XX/22 my debit card account was charged for XXXX. I contacted Chase Bank to let them know that the charges were fraudulent. Initially the cards were closed and the money was refunded. Then, on XX/XX/22 I noticed that the charge for XXXX was back. I contacted Chase Bank on XX/XX/22 and spoke with two individuals one stated that she was the supervisor. She stated that after completing an investigation the charges were deemed valid because XXXX sent documentation stating that my phone number and email address were provided and verified. My XXXX account was hacked by someone so of course they could provide that information. Chase Bank failed to properly investigate the fraudulent charges. I have never been to the state where the XXXX rides were ordered. I also have never given anyone my banking or XXXX account information. The supervisor stated that nothing could be done and that I needed to contact XXXX. I have tried contacting them multiple times with no response. I have filed a complaint against XXXX with the XXXX. IT was Chase 's responsibility to thoroughly investigate and they failed to do so. If they would have done so, it would have been proven that the charges are fraudulent. I closed both of my Chase accounts today on XX/XX/22. However, I would like a refund for the charge.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OK)

I was utilizing paypal to do business on their platform for my XXXX XXXX XXXX XXXX. We were XXXX XXXX to a XXXX XXXX  company and had made two transactions. On the third transaction paypal excepted my money in the account on their behalf, and automatically locked my account. I now had no money and i reached out to them that i had an emergency and i had no funds or fuel and needed to get to the hospital, and they said they were sorry my funds were on hold for 180 days. I reached out to my state congressmans office and the contacted them however said i made illegal transactions but i did not, and they better get most sellers off their platform if this is the case. 

They emailed me saying my funds were available but only available to view. i have no money bout to be kicked out of my house, and can not purchase products to sell because paypal has appx {$6000.00} of my money. I have noticed the account balance has dropped by appx {$180.00}
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We have this case XXXX has been going on for over 3 months Summary of events. 
XXXX XXXX, my wife with different last name tried to pay our Bank of America credit card early, in early XXXX a check was generated and sent to the XXXX XXXX XXXX XXXX by Bank of America by someone in bill pay without our knowing or authorization. Even though, on our end and confirmed through bill pay that it was supposed to go to BofA CC. At which point the check was deposited in the wrong/unknown account at bank of P.R. We have spent hours on the phone and in person with Bank of America to get our money back ( {$6100.00} ) Apparently, XXXX XXXX XXXX XXXX is owned by XXXX XXXX so we had to filled out affidavit paperwork for XXXX XXXX for a fraud claim to try and get our money back. So for 3 months we have had BofA supposedly working on this and now we have sent affidavit paperwork sent into XXXX XXXX to try and get a resolution from their end. 
-This was Bank of America checking account bill pay to pay our Bank of America credit card XXXX 
-Our Bill Pay has a confirmation # that says it was supposed to go to Bank of America credit card payment. 
-BofA bank improperly and without your authorization sent those funds to some random account at the XXXX XXXX XXXX XXXX and we have not been able to get the funds returned. 
-Bank of America has said they are working on getting our money back. 
Although this has been going on since XX/XX/XXXX and they have given us no resolution as of yet. 
Bank of America, nor XXXX XXXX ; neither by phone call or message center about the problem with our {$6100.00} still missing from our checking. 
A few things I would like to point out. 
# 1 I do not understand how a claim on our behalf was not filed right away as soon as we reported that our funds were sent out, not to where we had intended on XX/XX/XXXX with the phone conversation with XXXX from Florida. 
# 2 As verified by XXXX XXXX phone at XXXX XXXX desk with XXXX, our payment to the credit card was set up properly. There was NO option of a different address and our payment history verifies exactly how we have paid this bill for years the same way. 
# 3 This is a lot of money and this is now the Holiday season and yet it seems that no one is actually trying to actively return our money.
Consumer complaint received 2019-04-25
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)

This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DCN Holdings Inc. (CA)

XXXX XXXX XXXX, of XXXX continues to harass our company over a disputed invoice that was settled years ago with a shipping company called XXXX. 

Although he was notified that the account was paid off, he ignores and constantly emails and calls to demand payment and proofs when the the burden of proof is on him or XXXX   or whomever hired him ( if he was even hired ). It is not clear if XXXX is double dipping on purpose as we no longer wish to do business with them but its on the collector to sort it out and stop the maddening practice. 

XXXX XXXX XXXX is aggressive, dismissive and abusive and should be reprimanded for his outrageous tactics and business practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Applied for a Citibank credit card on XXXX XX/XX/2020. The Double Rewards Card. Completed the application on-line and the customer service representatives claimed that I would receive a letter in the mail regarding approval and/or an e-mail. There website claimed you can check your status by entering your telephone number or by the assigned applicant numbers provided by Citibank. I can't get a straight answer from Citibank regarding approval. I have not received a letter regarding approval or a denial, it's been over 30 days and I didn't appreciate the false advertising regarding a status update which never occurred after entering the customer applicant numbers provided by there credit card division. 
Desired Settlement : Other ( requires explanation ) Citibank needs to remove there false advertising claim of 5-7 days regarding credit card processing. There customer credit representatives should stop telling applicants to expect a letter or e-mail from Citibank regarding a decision. There credit division needs an overhaul and should be fined for telling the public exaggerating, untruthful, misleading advertising statements and stop putting customers on hold while pretending to view the applicants credit application. 
Complaint Details Nature of Complaint : Customer Service Issues Date Problem Occured : XX/XX/2020 XXXX XX/XX/XXXXDate ( s ) Complained : XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XXXXXX/XX/XXXX Salesperson : None Provided, None Complaint Details ( cont. ) Product/Service : Citibank Double Rewards Credit
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I don't know the specific date or the specific amount of the transaction all I know is that there's an auto loan on my credit on my credit report they're showing under experience because XXXX and XXXX already removed it that I did not do I sent the police report on all proper documentation showing that this was fraud and they still don't want to remove it because they said that it's for documentation to prove to me to show me where it's been verified they have not been able to submit anything to me it's been over a year that I've been going back and forth with them with this issue and it's really annoying
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have a smile generation card with Comenity Bank. They have not updated my credit report since XXXX and it is reporting the wrong balance. I have made two request to fix this, and nothing has been done as of yet I want the correct amount reflected so my credit score will be correct. They claimed it would be updated in XXXX, this is ridiculous