davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I applied for a Capital One Venture card, when sent the later for denial the reasons are in violation of 15 U.S Code 1691B ( 2 ) " it shall not constitute discrimination for purposes of this sub chapter for a creditor TO MAKE AN INQUIRY OF THE APPLICANTS AGE OR OF WHETHER THE APPLICANTS INCOME ... ..OR OTHER PERTINENT ELEMENT OF CREDIT WORTHINESS AS PROVIDED IN REGULATIONS OF THE BUREAU ; I would like to be granted an account with capital one with a limit of {$5000.00} of my own credit. I the consumer is the original creditor, they used my social security card for a transaction and was denied. 

Please advise.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On the morning of XX/XX/20, I went to Citizens Bank  at XXXX XXXX XXXX, XXXX, RI XXXX to make my usual monthly payment for my Citizens Master Card. The payment was a cash payment. I handed the teller {$1700.00} to pay my balance of {$1700.00} which was for my XXXX payment. Around XX/XX/XXXX, I had called the Master Card Co. to inquire about collecting my Points ( I pay my monthly bill off in full each month ). They informed me that I could not collect my points because my bill was not paid. I have a excellent credit payment history and have never missed or been late on a payment. I told them I had mad my payment as I also do at the local branch. They said they would investigate my payment. After two weeks, they then told me they did not receive the payment and for me to follow-up with the bank directly. Please note during this time, this was the start of the pandemic. On my first attempt to get this resolved with the branch, I was told by an employee that there was a " glitch with the system '' and she would look into this. Several more weeks pass and I felt like I was getting the run around and something was not right. I was finally told there was nothing they could do because they had no proof of a payment made on that date and I had no receipt. ( I have all my other receipts for making my payments each month ). I then asked for them to view the video. At first they said they could do not request it so I contacted the Office of Chairman. After more time passed, I was told there was no proof of me being there or a cash payment in the amount above and the video did show a women. I kept on them and I requested several times to see this video coverage. Each time, I was given a different explanation of how I can not see the video, the video is only of the back of the customers head, no video at bank entrance only outside ATM. I then sent another letter to the Head of Consumer Banking and they did respond to me and would review. I was told they did all they could do but to see the video I would need to get a subpoena. ( I have been a loyal customer of this bank for over 50 years. I have always paid all my bills on time and in full. I feel this has been handled poorly and needs to be investigated further.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

OnXX/XX/XXXX my bill is due, XXXX XXXX est is the cutoff, They delayed logon until after XXXX XXXX est, after logging on, they made me enter personal information and account number. Then made me wait for a link sent by yahoo which took a few minutes. This is the only time they have forced subsequent 3 factor authentication. 

This seems to be a current process that card companies use when people are trying to pay close to cutoff.
Consumer complaint received 2021-04-29
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. (IL)

These account has been added to my credit report without my knowledge. I have disputed and provided a police report but the credit bureau keep reporting the account for XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2022-04-28
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. (MD)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Pursuant to the Fair Credit Reporting Act, it is EQUIFAX 's duty to be reporting correct and accurate information on my credit report and file- however they are NOT. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of a 90 day late payment on XX/XX/2016 and XX/XX/2016. These are incorrect and supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to the transactions or experiences between the consumer and the person making the report. A transaction constitutes these inaccurate late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). I is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2019-08-20
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. (TN)

My information was stolen a few years ago, and I've had to file police reports, FTC reports, stop payment on loans and everything to block this information from being reported on my credit files but the credit reporting agencies keeps reporting them.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

From XXXX to present date my account has been in deferment status yet my account has been reported as delinquent ( 30, 60, and 120 days past due ) on numerous occasions although it has continuously been deferment status. In addition, a remark was removed ( Fixed Rate ) in XX/XX/XXXX. All of which adversely affected my credit scores by upward of XXXX points form XX/XX/XXXX to present date.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

I was contacted today by XXXX XXXX XXXX. Their phone number is XXXX. They informed me that they are suing me on behalf of Wells Fargo for a overdraft amount of {$900.00} that took place in XXXX according to them. I have no knowledge of this account, it is not on my credit report and I do not recall having a checking account with Wells Fargo during this timeframe. They informed me that they will be waiting for me at my home tomorrow in order to serve me with court documents and if I am not home they will come to my place of employment. The Account number they provided me is XXXX and case # is XXXX. I am concerned because I have no knowledge of this debt and am afraid of being humiliated at work. According to the person I spoke to this account charged off in XXXX and I have never seen it on my credit report? Does the statue of limitations apply? They said even though I am denying this account they are still going to sue me and contact me employer.
Consumer complaint received 2022-01-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CA)

On a day XXXX  2021 I was sitting outside drinking wine when XXXX XXXX  from XXXX XXXX came to my home to harass me to sign up for XXXX internet. I told them I already had XXXX. They began giving me compliments as a way to get me to sign up for XXXX. I agreed to have the technician come to my home to set up the internet. That same week the technician came to my home but told me he could not set up any equipment or internet at my home because the box in the neighborhood was locked. I called XXXX and told them there technician was unable to connect my internet and I was going to stay with XXXX. However, they continued to charge me for a service they never provided. They called me and harassed me many times and I told them over and over again that I am not a customer and I have never had any services from them installed.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX/XXXX PAYMENT STATUS Collection/Chargeoff AMOUNT PAST DUE {$1200.00} DATE OPENED XX/XX/2022 BALANCE {$1200.00} ACCOUNT TYPE Charge account CREDIT LIMIT {$300.00} HIGHEST BALANCE Never opened or applied for card. ID theft. Disputed with bank.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

Good Afternoon, I wanted to reach out to inform you that I have sent numerous letters in attempt to clear my name and to dispute debt that is not owed in my regards, I have not received any response from the collection agency. I have reached out to all 3 credit bureaus as well and they just stated its under review. I have sent letters out since XX/XX/2021 and its now XX/XX/2021. Giving we are approaching XXXX soon. I am writing to you to see if you can help me clear this debt that they have no proof of. I have asked for them to show proof of bearing my signature, the third party they received my information from, and to provide me with the address and name who provided them with this info.
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (NC)

XXXX  XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX  XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX CO Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Department XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION (TX)

On XX/XX/2018 XXXX received a check from the XXXX XXXX XXXX with only my endorsement, the check was clearly made out to XXXX XXXX and XXXX XXXX XXXX they cashed the check with only one endorsement I will submit a copy of canceled check and 2 letters from XXXX XXXX indicating that XXXX XXXX never received and endorsed the check. I contacted the bank in XX/XX/XXXX and was told they could not help me because I was not on the account the check number is XXXX and the amount is XXXX dollars for my roof repairs from XXXX XXXX XXXX XXXX XXXX I will be filling a complaint against them trough another agency. I feel a law was broken by cashing a check with a single endorsement when it clearly needed 2 the check has  an account number and a transaction number printed at the top of the pic.
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (MD)

The company is American Credit Acceptance, the loan was in XXXX of XXXX. The original loan was approximately {$4500.00}. In XXXX of XXXX I feel behind 90 days due to divorce. I had the car impounded by American, I paid the towing, fees, and rear payments etc. I noticed the following months that I wasn't getting an invoice mailed any longer, I contacted American at least 10 times my explanation was startling. They told me I can have the car and make payments but its now repossessed status even though I have it, and American is not obligated to send out any correspondence on payment due, balance etc. I ran my XXXX XXXX report and the balance is XXXX, as well no reporting since XXXX of XXXX for a car that I still make monthly payments on. I never know if my payment has gone towards the balance or due date without data. I was reported to XXXX on XXXX and XX/XX/XXXX with incorrect data and since then not another report to any agency. The nasty behavior from the company has left one alternative but to contact FTC, how can I stay on top of a ghost loan, as well not correct the old bad of XXXX. I dont have a clue I just call them once a month. Ive enclosed my XXXX XXXX for American Credit as proof of XXXX owed, and them not reporting on money they are receiving. I will not be able to give you a correct loan number etc, because I havent gotten a statement in years. My old phone is XXXX for reference, current number is in the following page
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX try to take money from my account XXXX XXXX for the insurance of my vehicle I notify my Broker that I change insurance on XX/XX/XXXX change to XXXX. 
Time passed by and on XXXX my credit score drops XXXX points for a XXXX  XXXX, call them and told them what happened and they said pay XXXX dollars and then we process a refund and we are good. they process a refund just for XXXX claiming that some little fees but we are good, they reported on my credid account paid on XX/XX/XXXX, but didn't delete the account even after I show them I never owe them because I had insurance since XX/XX/XXXX and they try to collect money XX/XX/XXXX. 
Ive been calling and asking to get this account removed because I want to get a house and I cant get a conventional loan because of that negative account in my credit. I need help.
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (UT)

I have a garnishment in place from Bonneville Billing and Collections. They called me offering a Payment Plan. The amount they quoted me in no way reflected the total amount of the garnishment minus any of the amounts withheld from my paychecks. The collector couldn't adequately explain to me how they got to the total they were quoting me. They stated the reason they were offering the plan was due to them receiving notice from my Payroll that I had been terminated. Once I advised them this was not true, they immediately reversed their offer to place me on an affordable Payment Plan. The collector misrepresented himself as the owner of the company and was condescending and would talk over me.
Consumer complaint received 2021-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (SC)

Chase JP Morgan has an account with me listed on it as an authorized user under my maiden name XXXX XXXX XXXX XX/XX/XXXX ss XXXX yet has never reported to the credit XXXX score in my name its been there sense XXXX I need them to report. I also tried to replace my card now 5 times and can't seem to get any answers on why they don't know how to issue my replacement. Main name on accout- XXXX XXXX XXXX my uncle.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

To whom it may concern, There is a great deal of concern that must be shared regarding the way JP Morgan Chase is delaying point of sale debit transactions. I have took notice that JP Morgan Chase delays debits and then pushes the debit ( s ) through purposely when there is no funds in the account or a negative balance will be caused to the account with the transaction. When I contacted Chase at ( XXXX ) I was only offered criticism and how the overdraft was " my fault '' because I signed an agreement allowing transactions to go through. There is a big gap in what Chase is offering the everyday customer as an explanation in these agreements to what is actually happening when the customer is getting hit with overdraft fees. There is an abuse of power on Chase part. They could only blame the merchant. But I swipe my debit card when I have money and the transaction is delayed three days.. Why is Chase running this scam and hiding behind these debit agreements. I can testify that there is money in my account when I use it. The debits are being purposely delayed and pushed through in bunches in an effort to collect {$34.00} in bank fees for each debit. I am a XXXX customer and I was met with criticism for Chase supervisors on XXXX at approximately XXXX PST via telephone for not managing my account the way a non XXXX person could. It's frankly disgusting. Please confirm at your earliest convenience the status of this complaint.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NH)

I had a {$3.00} billing dispute against merchant XXXX that I had raised with Discover bank and it was resolved by discover but they never credited {$3.00} to my account and now I see that they are adding interest to that amount every month. 

Dispute reference - XXXX
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I attempted to pay my statement balance which was {$860.00}. When I logged back into the Citi site the next day, the payment amount was {$770.00}. I called Citi and was told that my payment was in the amount of {$860.00} and that any display of a {$770.00} payment was in error. Today ( XX/XX/XXXX ), I received an e-mail from Citi stating that my payment had been reduced to {$770.00} due to exceeding the account balance ( despite the fact that it did not exceed the account balance at the time it was initiated ). I always pay my balance off in-full, as I do not want to pay interest. I called Citi again. The rep asked how he could help. I explained the situation, and only heard dead air. I asked several times if he would respond. He did not. I called again, and asked if I could file a complaint against the first rep. Again, dead air. I need to know if my payment was reduced and if so, why. I need Citi to confirm that I will pay no interest as a result. I need Citi to tell me why two reps hung up on me.
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (GA)

XX/XX/2019, two accounts were opened under my name at CONN XXXX. One was for {$11000.00} and the other {$2500.00}. I called them XX/XX/2019 and told them that it was fraud. I filled out an Identity Theft Victim 's Complaint and Affidavit in XX/XX/2019 and a Police report in XX/XX/2019. After many attempts, XXXX XXXX in the fraud department at CONNs Appliances denied my claim. After many many disputes, the two credit cards are still showing up on my credit report. 

I