davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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: JPMORGAN CHASE & CO. (PA)

I never opened the account, JPMCB Card, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to my credit report.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with XXXX and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with Apple and they agreed that I was taken off XX/XX/XXXX and now it is about to be XXXX.
Consumer complaint received 2021-12-10
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: TD BANK US HOLDING COMPANY (PA)

I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-10
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: DISCOVER BANK (PA)

I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America debit card was charged {$1300.00} from XXXX to XXXX. I submitted a claim to bank of America to have the money reimbursed. They did not side with me and stated the charge was authorized by me or by someone that has permission to us the card or account. This is not true. I did not make these charges. I appealed the decision, but I doubt the outcome with be different. It could take up to 45 days to get a result. In the meantime that {$1300.00} was supposed to be used to pay bills, and now I can not pay them. I asked that someone from the research dept, that makes these decisions, call me. I do not expext a call. Please help to get my money reimbursed.
Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally
Consumer complaint received 2021-12-10
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: BARCLAYS BANK DELAWARE (PA)

I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (CA)

Greetings, I signed up with PayPal credit to receive XXXX  months same as cash if paid within XXXX  months after purchase of items of {$99.00} or more. I purchased products from companies and individuals on XX/XX/XXXX ( {$2400.00} plus {$69.00} transaction fee XXXX and XX/XX/XXXX ( {$250.00} plus {$7.00} transaction fee ). I paid a service fee for these transactions which I was ok with. At this point, I was expecting to pay for these products using my PayPal credit terms of special finance 6 months same as cash. PayPal sold my terms and contract to Synchrony bank  by the end of XXXX. Synchrony bank changed the terms without my approval and they started charging me interest for the outstanding balance even well before the XXXX   month term has expired. I have read completely the disclaimer from the original PayPal credit terms and conditions. Based on that disclaimer, I am not supposed to start paying interest until XX/XX/XXXX and XXXX, 2019 respectively on effected purchases. This to me is consumer fraud and it needs to be put in check. I have the original terms and conditions, and have tried to resolve this matter with both PayPal and Synchrony bank. They absolutely refuse to act and make this right as agreed.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; 1 XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX BARCLAYS BANK DELAWARE was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
Consumer complaint received 2019-08-05
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. (SC)

As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus XXXX and Experian. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. Experian has said they will not investigate further.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I deposited a government check into the atm. Unfortunately I was told the check would be held for 12 days..until XX/XX/19. The explanation given was that BOA has been experiencing fraud lately. I dont have a history of returned checks on this account. I dont write checks on this account at all. Im getting the run around about the check being posted and customer service is unavailable bia telephone. This is a disgrace. I have 4 other bank accounts and this is the worst. I will be closing my account once this check clears.
Consumer complaint received 2019-08-05
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. (NC)

The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (OH)

This is XXXX XXXX I need to take away all my assets away from thief 's like XXXX XXXX, XXXX XXXX and whoever has control of my assets.I need immediate help, legal action must be taken.I need my attorney immediately.Also need to press fraud charges on the people in doubt. 
My contact number is XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CA)

I initially received a letter from Navient in XXXX saying they are putting me on a loan deferment even though I had never requested this. I contacted them in XXXX and told them I wanted to continue to pay my loans as scheduled and not be on deferment. They said they would reinstate my on my loan payment plan but now are charging me over {$30.00} dollars more per month ( ~ {$450.00} vs ~ {$420.00} ). 

My unpaid principal is {$54000.00}, my remaining # of payments is XXXX, and my interest rate is 1.75 %. Based off a loan repayment calculator, my monthly payment should be {$420.00}. This amount is about what I have been paying for the last 18 years! 

I'm not sure where Navient gets off charging me an extra {$30.00} dollars per month as I've always made my payments on time for the last 18 years. Your help is appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2018-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (PA)

I authorized a wire transfer on XX/XX/18. This wire transfer was supposed to be for closing on my first home. By the afternoon of the same day I had realized I was being scammed and called Discover to cancel the wire transfer. I was told the money was guaranteed and that I would get it back within 7 to 10 business days. I followed up multiple times during the next two weeks and was told by multiple people, including a supervisor, that the money was guaranteed and that I would have it back in my account no later than 10 business days. On the 11th business day, XX/XX/18, I was told that the money is not guaranteed and that I would most likely not be getting it back. This was the first time I was told I would not be getting the money back unless the recipient bank sent it back and it was the first time they told me to call the recipient bank. Due to them reassuring me on multiple occasions that I would be getting the money, I proceeded with closing on the house, using the remainder of my savings. If I had know that the money was not guaranteed or that there was a chance I might not get it back I would not have closed on the house. Now I am in an extremely difficult financial situation, living paycheck to paycheck because Discover blatantly lied to me for two weeks.
Consumer complaint received 2021-12-10
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: Checkr, Inc (CA)

Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX criminals!!
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vengroff Williams, Inc (IL)

I was contacted via mail by a collection company called XXXX XXXX ( XXXX XXXX XXXX XXXX fl XXXX ) on XX/XX/XXXX and XX/XX/XXXX. After the first letter I called the company ( XXXX ) and left a message stating this was the result of identity theft and I am not responsible for. The letter is for the amount of {$220.00} for a XXXX taken out fraudulently in my name on XX/XX/2019. The letter states that if I do not contact them within 30 days to dispute I acknowledge Im responsible. I did so but calling them as well as contacting XXXX for the second time and speaking with XXXX in the identify theft dept there, XXXX XXXX and the credit dept at XXXX. I send XXXX all the documents needed ( police report etc ). I even had the detective assigned to my case contact XXXX. I was told it would be handled. 
Now I get another letter dated XX/XX/XXXX from XXXX XXXX about the debt I do not owe. I called and left a message on XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX and he stated he has no information from XXXX   that the acct was fraudulent. Ive done my due diligence with this and should not be contacted by XXXX XXXX. At this point its harassment and being the victim of identity theft makes it worse. 
I have also contacts XXXX for the fourth time about why they have not handled this case and I am still being harassed.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

CFPB Complaint letter So, on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 40 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 40 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Equifax data breach possibly gotten into the wrong hands of someone who is not me! 



This is not a regular dispute, I have filed a complaint with the FTC and the XXXX if I recollect correctly none of these items are mine. According to section 611 ( a ) states failure to investigate these items gives just cause to remove from my report within 30 days. 
So far it has been 40 days. Please help me rectify this at once! Id like to see this removed at once.
Consumer complaint received 2019-08-05
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. (NC)

The following accounts do not belong to me. They are falsely reporting under my name. I have filed an FTC complaint and also with law enforcement. My next step is a civil suit against all 3 bureaus. 

-XXXX XXXX XXXX {$0.00} Balance Opened XX/XX/XXXX -XXXX  {$0.00} Balance Opened XX/XX/XXXX Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Again, Portfolio Recovery HAS NOT submitted the data to the credit reporting agency as they stated. If so, then the data would have been removed immediately like it was described by the Credit reporting agency once they received it from the creditor. Like I previously stated, they said it would be removed. It is not. it's passed the 30 days they have not updated it as paid or attempted to remove the credit line. I will continue to open a CFPB dispute until this is resolved or they are in prison for making false statements. I want them to furnish the transaction ID provided by XXXX showing that they actually sent the data. There is a transaction ID for all data submitted to the credit reporting agencies. It is there specifically to provide a tracking number.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I received a call form XXXX XXXX regarding a HSBC credit card they allege I had. This is the second company, also based in GA, claiming I had an HSBC card that I defaulted on. The initial call came from a company called XXXX XXXX XXXX. I have never recieved any letters or notices from them. I was called by this company ( XXXX XXXX XXXX ) on XX/XX/XXXX at my place of employment, they left a rbo-call message with my name requesting a call back. I called them back and when I asked for their contact information, the representative hung up the phone. I called back several times and was hung up on. Later in the same day, I called a spoke to another woman who stated that I could pay them now or I could talk to the judge about it. She claimed that I owed {$770.00} and my last payment I made was in XXXX. I do not now, nor have I had in at least 15 yeas, an HSBC credit card. Literally. In AZ, the statute of limitation on credit card debt is 6 years. She emailed a letter to me, it has no information other than what I have stated. The letter claimed to be from " XXXX XXXX XXXX XXXX '' misspelled XXXX. Anyway, today I get a call from a place called XXXX XXXX, also based out of GA. She said that I now owe {$2700.00} and that I could pay or go to court. I asked when my last payment was made, she says XXXX. These people are scammers. I am ill, I have major XXXX XXXXr, XXXX and other mental XXXX that is probably killing me. These people are harrassing me and it needs to stop.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (OR)

Applied for US Bank XXXX XXXX XXXX XXXX XXXX. 

The card requires that you have a prior relationship with US Bank so I opened up a CD. 

Following opening up a CD I applied for the card. 

My application was denied. I met all the stated underwriting criteria. When I called card services I was told I had to have an account for at least 5 days prior to applying for this card. I asked how was I expected to know that. The representative indicated that they thought it was in one of the disclosures but was unable to provide me the specific reference. 

I informed the representative that the denial letter stated three possible reasons none of which included length of relationship with US Bank. The representative told me that the denial letter is always the same and not to worry. 

The card services representative informed me that I could have a banker from a branch to call to have the application reviewed and that could take XXXX days. I have heard nothing since. 

The incorrect reason for denial of credit, and the lack of transparency on what exactly is required to qualify is frustrating. While I have been told verbally that I would be approved. The lack of effort to help resolve my concerns throughout the organization was frustrating. 

The process was opaque, the denial reason inaccurate. All I am looking for is for US Bank to provide prospective customers clear underwriting criteria and accurate denial letters if a credit application is denied.
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have attempted several times to get inaccurate items removed from my credit report. Transunion has repeatedly ignored and dismissed my claim. I have finally submitted my actual identity theft report along with the laws that states these things are to be blocked/removed from my credit report I am awaiting a response from Transunion about this matter. I will also submit my proof here so that it is on the record.