davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-01-07
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. (MD)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : 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 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from USBC District of Maryland Office of the Clerk, indicating that the USBC doesn't report any information to the Credit Bureaus.

Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through USBC or Third party If proof can not be presented ( Please remove negative public record from credit file effective immediately.
Consumer complaint received 2020-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am an XXXX. I won {$1000.00} from Bank of America for improperly charging fees. I think this is a bigger more widespread problem than just what my client  had. 

To learn more, please read my attached memo. 

Then maybe we can work together to fix things. 

- XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report on Equifax, I saw an unknown account called XXXX XXXX XXXX. I disputed this account with Equifax. I received a letter from Equifax stating that this unknown account was verified as mine. Equifax has failed to provide proof on how this account belongs to me.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/2019 at XXXX XXXX, I received an email with the subject line " Important information regarding changes to your Chase account '' Chase is requiring me to send in writing a letter to reject the binding arbitration clause. This is particularly onerous, when they could easily allow me to opt-out by phone or online. 

Below is the top-line of the updates from the email they sent me : " '' Important Changes to Your Account Terms Notice : Your Cardmember Agreement and associated Rewards Program Agreement ( if any ) were assigned to JPMorgan Chase Bank, N.A., as successor by merger to Chase Bank USA, N.AXXXX, on XX/XX/2019. Furthermore, beginning XX/XX/2019 all references to Chase Bank USA, N.A. in your Guide to Benefits and any additional account agreements and documents shall be read as JPMorgan Chase Bank, N.A. 
Summary of changes to your account terms effective XX/XX/2019. 
The description of the Minimum Payment calculation found under your Cardmember Agreement Rates and Fees Table is changing to a minimum of {$35.00} and to include unique payment obligations in connection with Flexible Financing Offers. 
We are introducing two new features, My Chase LoanSM and My Chase PlanSM, under which Flexible Financing Offers may be available to you from time to time, subject to the new rates and fees and Cardmember Agreement terms described below. 
A binding arbitration provision is added and the Military Lending Act Notice is revised accordingly. YOU CAN REJECT THE BINDING ARBITRATION AGREEMENT. YOU MUST MAIL YOUR REJECTION TO US BY XX/XX/2019. PLEASE SEE THE END OF THIS NOTICE FOR INSTRUCTIONS " ''
Consumer complaint received 2021-04-26
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: TD BANK US HOLDING COMPANY (VA)

Please see attached document about terms and conditions with my TDBank Credit Card. I only enroll in credit cards that have a 0 % interest intro offer. This bank TDBank, according to the attachment, said I had zero interest for 6 months. It erroneously charged me {$7.00} interest in the first month. 

I think this credit card company is pulling a scam by sending out numerous amounts of terms and conditions letters. One to get you to sign up and then others to change the rates.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (FL)

Even though I already froze my credit due to another case of credit card fraud, I noticed two more hard inquiries on my credit report. I called both credit card companies ( XXXX XXXX and wells fargo ), wells fargo said that there were no accounts opened but XXXX XXXX said that there was a card opened and that they already spent over {$1000.00}. I genuinely do not know how this is possible because my credit is frozen.
Consumer complaint received 2020-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (CO)

Hello, I realize that your lending entities operate under tribal laws and are apparently not subject to normal consumer financial regulations, but I would like it known that over the course of 2 years I have paid {$9900.00} to your agencies in loan interest and fees, not including the loan principal amounts. I think that this is an extremely predatory practice that preys upon people without access to regular credit, on top of causing me personally severe financial duress and potential eviction from my residence. Particularly during a global pandemic when millions of people are out of work and struggling to make ends meet this seems even more unfair and exploitive. It makes me very upset when I think about the XXXX  of dollars I spent digging myself out of this trap, and I do not want it to happen to anyone else.
Consumer complaint received 2020-09-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NJ)

This is a follow up from complaint XXXX. After my call with One Main Financial on XX/XX/2020, I received the following letter from One Main regarding 'an attempt to discuss the seriousness of your account delinquency ' and that the 'communication is an attempt to collect a debt from a debt collector '. After ( 1 ) calling my local One Main branch in XXXX XXXX NJ and ( 2 ) confirming my auto pay settings, I was able to double check that ALL my payments have been done in time. None of the payments have been done late and the account is not past due.
Consumer complaint received 2021-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One is not honoring the bonus offer for the Venture Rewards card that I applied for and was approved for in XX/XX/XXXX. The advertised offer was for up to XXXX reward points : XXXX after spending a few XXXX dollars in the first few months, then another XXXX after spending {$20000.00} within the first 12 months. 

I received the first XXXX bonus and called Capital One Venture customer service on XX/XX/XXXX, to find out how close I was to the second bonus. The representative told me that there was no second bonus offer associated with my account. I asked for and spoke to a supervisor, XXXX, and explained that the landing page for my application had advertised the XXXX reward point offer, that I had relied on this when I applied and continued to rely on it as I was using the card for purchases. He ignored this, asked no questions about what I had seen, and said something like " The Capital One reward bonus offer structure did not provide me with a second bonus. '' I asked XXXX to clarify whether he was refusing to provide me with the second bonus. He answered that he was refusing.
Consumer complaint received 2018-04-04
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. (MA)

I first checked my credit report in XX/XX/XXXX when I received a letter from a collection report ( XXXX XXXX ) for XXXX XXXX It stated that we owed XXXX on a vehicle account. This account was Paid in full for which we received a Title and congratulatory letter for paying this loan off. We then donated the auto to XXXX XXXX XXXX and gave them the title.

I sent all this information to both XXXX and Experian in XXXX  Tx XXXX. Getting no result I filed a complaint with Experian in XX/XX/XXXX. As of XX/XX/2018 there has been no resolution.

I wrote Experian a letter saying if this wasn't resolved I would consult an attorney.

Still no resolution. I hope you can help us with this problem
Consumer complaint received 2022-09-13
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. (FL)

XXXX XXXX has already been contacted by me via USPS mail. There are still a few inquiries on my credit report. XXXX XXXX XXXX  has not provided a sign contract stating that they solicited my information with my permission. Is incorrect reporting and inquiry has hindered me from receiving a mortgage, and apartment, and more in the past
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

I can not access my equifax account or reset my password. Every time I call in to reset the password, the identity test fails. I can't get on the line with someone or get information about my account. I can't file a dispute or get access to my credit score either. 

I need help resetting my password and gaining access to my account, since the automated system is unable to confirm my identity ( despite me answering questions correctly )
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2020-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America checking account was closed, due to fraudulent activity. I was not aware, but Bank of America didnt seem to be interested as they skipped straight to account closure and said Im more then welcome to reapply but Im not guaranteed. I think I may be in debt because of this and I dont really know how to go about it. I was given poor customer service on the phone who only listened to me for a few seconds then forwarded me to the closure department.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I started my XXXX I was told by Bank of America I can only open up a secured credit card through my XXXX which I did and gave {$1500.00} to them for a CD. They never graduated the account and now would like to just close it out and request back my money from the certificate of deposit.
Consumer complaint received 2020-05-03
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

A few weeks ago I called a spoke to supervisor at XXXX about an ongoing issue with a account listed on credit report. I asked her how is it possible that account that has been closed since XX/XX/XXXX have different dates reflecting on my credit report. I informed her that I purchased my credit reports from MyFICO on two different occasions and dates. The first purchased reported dated XX/XX/XXXX had a close date of XX/XX/XXXX and the second purchased date of XX/XX/XXXX had a close date of XX/XX/XXXX. 

When questioned about it she said that was the information that was transmitted or sent by Toyota. I asked her how is that possible that an account has three different " closed '' dates? 

I also pointed out to her that account was sold to a outside collection agency and when I asked her if I could submit my own documentation to prove otherwise she said that XXXX would not accept it. I told her I had proof i.e.a bill from the outside collection agency with the Original Creditor and the balance that matched the balance from the original creditor and she still said XXXX would not accept it. 

XXXX is denying me due process afforded to me under Federal Law by refusing to accept clear and cogent documentation pertaining to my dispute. I have pointed numerous discrepancies on my report and XXXX refuses to acknowledge or fix them.
Consumer complaint received 2017-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MS)

I sent out a certfied HIPPA dispute letter with a mailing receipt to Franklin Collection Service , Inc. XXXX , MS. XXXX on XXXX XXXX, 2017 in regards to a alleged medical bill debt in the amount of {$2800.00}. By law they had up to 30 days to respond and I was told the company is saying they never received anything from me even though I have a copy of the day it was mailed off. This goes against the Fair Credit Reporting Act and violates my rights as a consumer. Below is a photo document of my mailing receipt to the company along with the date it was sent.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

on XX/XX/XXXX at XXXX i check my credit score an notice HARD Inquiry details from Syncb/jcp there is an hard inquiry from XXXX  XXXX, XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX Syncb/jcp XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

We honestly believe that Wells Fargo Bank is deliberately blocking the sale of our home which has been approved for short sale since XXXX XXXX, 2017. Our realtor, ( XXXX XXXX, XXXX in XXXX, XXXX. ) has received two qualified buyers but Wells Fargo delays and delays until both buyers backed out. We lost the last buyer this week. We believe that Wells Fargo would rather run us through a foreclosure or try to force us to pay the back owed payments to make us keep the house. My husband XXXX XXXX  had to retire for health reasons and we have moved to XXXX and bought another home. Our problem is that Wells Fargo keeps running us around and around doing the same paper work over and over and over. Then they insist something is missing and that they can not move forward until more paper work is done. Also they keep changing the person responsible for our account ; the last person assigned was XXXX XXXX at XXXX ext.XXXX who, like all the others has done nothing but delay. We need help. Any assistance would be greatly appreciated. We have done everything Wells Fargo asked us to do. They approved us for short sale and we can not get them to act in a timely manner. Your help would be greatly appreciated. The address of our old house is XXXX XXXX XXXX, XXXX, XXXX XXXX. Our current address is XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX. XXXX. Please call us at XXXX for more information.
Thank you, XXXX XXXX
Consumer complaint received 2022-10-25
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)

I applied for an car I was told they would only pull from XXXX  now I have 16 inquiries 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 2020-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AL)

I have a my vanilla card that I have had my tax refund and stimulus check direct deposited into. The total amount left is {$2500.00}. I can not withdraw my money at an atm or at a XXXX XXXX XXXX. I can not make a substantial purchase, only small purchases online or in gas stations. I have spoke to customer service on XX/XX/2020 and they informed me nothing is wrong with my card and I am able to withdraw up to {$2500.00} at a XXXX XXXX XXXX but this is simply not the case as every attempt is not only declined but also charging me a purchase fee with no actual purchase. So I cant access my own money and I also am racking up a multitude of fees from attempting to do so. I have retried to contact customer service and can not get anyone on the phone and eventually will get disconnected from the wait. I also can not get a live person from any other numbers of XXXX, income financial solutions or XXXX XXXX.
Consumer complaint received 2024-02-23
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.