davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NJ)

So here is the story. In XX/XX/XXXX, not long before XXXX, I visited my favourite watch store, XXXX XXXX at XXXX XXXX and XXXX XXXX in New York. The sales person convinced me to put the XXXX watch I wanted on their store credit card, which is a TD bank card. The sales rep emphasized not having to pay interest for 24 months and misinformed me that if for some reason I can not pay off the full balance by the time the promotional period ends - which was XX/XX/XXXX - I will only have to pay interest on the remaining balance on the account, which is obviously not true. I thought I had about {$1500.00} balance left on the card and when I went online to make my payment, I saw that my balance was now almost {$3500.00}. I immediately called them up and they told me that the extra {$2000.00} was the added interest that accrued during the 24 months since I did not pay off my card by XX/XX/XXXX. I tried to make a deal with them and said I am willing to pay {$2000.00} at the time of the phone call and close the card and be done with it but they said no.

On Friday, XX/XX/XXXX at XXXX XXXX my wife called the phone number XXXX listed on the back of XXXX 's XXXX credit card. she was connected with a representative by the name of XXXX, to whom she explained the situation. She asked her to have the interest removed or reversed. The rep said she was not authorized to do so, so she asked her to connect her with her manager. After a little while, a male manager by the name of XXXX or XXXX came on the line and she explained the situation to him as well. He was very apologetic about the situation and he told her that she needed to put everything in writing and fax or mail the letter to the Department of Complaint. He advised her to make sure that she put down that I was given false information in regards to how the interest was being calculated. He also added that based on my payment history - I was never late with any of my payments and there were times when I doubled or tripled the amount I paid -only when I lost y job, I started to pay lesser amounts, but always paid at least the minimum due - the manager believed that based on my history and my current financial situation, the Department of Complaint should do something to ease the pain and reverse the charges. So my wife wrote a letter and faxed it to the Complaint Department on the same day, XX/XX/XXXX at XXXX XXXX. She was hopeful that it worked. However, yesterday, I received the letter declining our request. 

I have attached the following documents for your reference : 1. First correspondence the Request Letter to remove interest faxed to the Department of Complaint on XX/XX/XXXX & confirmation pages of fax sent.

2. Denial Letter received yesterday in the mail.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc. (VA)

On XX/XX/17 I contacted XXXX XXXX XXXX XXXX XXXX  and spoke to XXXX XXXX. I asked her if her company had debt that I owed them. She looked up my name and said " No it was sent back to XXXX XXXX XXXX XXXX '' I said well your company continues to report this on my credit report would you please stop. She became Irate and told me to dispute it through the credit bureau and hung up the phone.
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (OK)

The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX  XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (NC)

I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CO)

On XX/XX/21, I opened an account -- a " spending '' account with Chime. This is not an ordinary checking or savings account, and as I understand, not FDIC insured. 

I reside in Colorado but am receiving unemployment from NY. I set up my unemployment to go to Chime ( they were offering a bonus for this ). 

The funds were deposited by NY XXXX XXXX XXXX on XX/XX/21. On XX/XX/21, I got an email from Chime saying that my account was suspended snd I was locked out of it for suspicious activity. 

I was asked to send my photo ID, which I immediately did. I called, and they were unable to assist me by phone, but w me that I would hear frim them by email. 

They response ( not acknowledging the ID I had already sent ) again notifying me that my account was suspended, and asked me to send three things -- 1. A photo of my Driver 's license with me holding it. 

2. Proof of my address ( I sent a utility bill ). 

3. My 1099 with my current address from NY XXXX XXXX XXXX. 

I sent all of these documents -- TWICE -- on two consecutive days ( most recently yesterday XX/XX/21 ). 

Today I got a notice that my account had been permanently suspended and will be closed. 

What concerns me is that they also said it is " non-refundable ''. I am very concerned that they have funds of mine which I can not access, and I have not been able to gain assurance that they will be sending me a check for the money that is in my account. 

There are multiple accounts of this abhorrent behavior with Chime, and this is why I am reporting them. What they are doing is just reprehensible. I
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am restating my request for the elimination of inaccurate information and inquiries from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), with the specified removal timeframe not exceeding 4 business days. This matter has been previously communicated in my earlier correspondences dated XX/XX/XXXXXX/XX/2024 and is reiterated here, accompanied by my re-attached FTC report # XXXX. I urge you to proceed with the removal of the following items resulting from the alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Porfolio Recovery has repeated called me before XXXX and a few times after XXXX. Told them a few times to stop calling me but they continue to violate 15 US Code 1692d ( 5 ) ( 6 ). The debt collector will call and give out my personal information when I have no even identified myself nor will they identify themselves before divulging said information. Portfolio Recovery has also never validated the alleged debt per 15 US Code 1692g despite harassing me multiple times.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-06-10
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: Experian Information Solutions Inc. (SC)

I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.
Consumer complaint received 2019-11-10
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: EQUIFAX, INC. (GA)

I have contact the company over the last month about 15 times about the items reporting on my credit i advised them that i am not in the country at the moment i am in the XXXX overseas and they have not removed the items they have removed a few many remains XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Georgia XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (UT)

I have been disputing negative items with the three major credit bureaus for over a year now and have yet to receive any results. XXXX, XXXX, or Experian have yet to provide me with any answers and I have erroneous items on my credit. So far, I have seen no progress nor have the bureaus been of any help. How is it possible that after over a year of disputes, they haven't received a single complaint of mine? There are serious inaccurate items reporting that must be removed.
Consumer complaint received 2017-12-07
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. (TX)

on XX/XX/XXXX and XX/XX/XXXX I CONTACTED Equifax, XXXX, & XXXX in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite my persistent efforts to address these concerns, they persist without resolution. Your firm 's response to my dispute regarding items on my credit report dismisses my request for verification as " frivolous '' or " irrelevant. '' However, I must stress the importance of this matter to me. The disputed items hold significant weight, and I can not afford to overlook them lightly. If my initial request to verify these items, as outlined in my previous certified mail, continues to be disregarded, I will have no choice but to escalate the matter further. I am fully prepared to file a formal complaint with the Federal Trade Commission against your company. Given the gravity of the situation, it is imperative that a thorough reevaluation of the information is conducted. Therefore, I respectfully urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to provide such evidence will necessitate the immediate removal of these disputed items from my credit report. I trust your firm will handle this matter with the necessary seriousness to ensure a fair and timely resolution.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my report.
Consumer complaint received 2017-12-07
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. (CT)

Trans Union is reporting an account on my credit report that i no longer owe the original company is XXXX and it was sold to XXXX XXXX and all debts are now clear with XXXX XXXX. I have included letters from both companies stating so.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONGRESS COLLECTION CORP (MI)

I received an alert on my credit report that there was a new collection. When looking into this, I saw a collection account for Congress Collection. I placed a call to the company to ask what it was for and was told it was for a medical bill from XXXX XXXX 2017. I have never received any communication from this company. The second issue is that the new law states they ca n't report a medical bill unless it is 180 days past due. If the bill was from XX/XX/XXXX these would still be a few months to have this cared for.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

My check fraud claim was denied because lack of ordinary care. Chase stated that I have a previous claim in 2014 and did n't close my account so this claim can not be approved. However this claim is because stolen checks and complete unrelated to the last one, even if I opened a new account, the stolen checks will cause the same issue.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Consumer complaint received 2017-12-07
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: CITIBANK, N.A. (CA)

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without consent to apply for a credit card with XXXX XXXX. That application resulted in an inquiry into her XXXX credit report XX/XX/XXXX. XXXX 's was notified of this in an official dispute XX/XX/XXXX however as of this date XXXX 's has not replied to our client with the status of the results of that dispute as is their obligation under the FCRA.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

I bought my wife a ring and put it on a credit card with TD Bank was making payment and also put it on auto payment on the website. 

2 months later supposedly I miss a {$15.00} payment Im trying to buy a house for my family and this happens.. TD Bank didnt not want to work with me at all. 

This needs to be off my credit and I already paid off that credit card.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Since 2014, fake companies have been taking money from my account. It 's always been small amounts, approx XXXX-XXXX each time and about twice a month. I went to my bank branch and filed the claims for. XXXX checks, was reimbursed right away for XXXX checks ( within 90 days from when I filed ) and now the bank is saying they are n't giving me the balance of those checks. The way I realized this was when my account was over drafted when they took the money outs. None of these checks are signed by me, they are all singed. By my email address.
Consumer complaint received 2018-06-10
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. (MO)

After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),