davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (PA)

Several people identifying themselves as lawyers from the firm of XXXX XXXX XXXX called me and my immediate family multiple times each in the same day. The names they used were XXXX XXXX and XXXX XXXX. They were EXTREMELY rude -- even going so far as to harrass my XXXXyear-old mother to the point of tears and a XXXX XXXX XXXX. When I contacted them to see what they were calling about, they spoke extremely fast so that I could not write down the details. When I asked them to slow down so I could take notes, they became agitated. When I asked questions for clarification or further details, they became angry and said that " I didn't have this many questions while I was charging money on a credit card that I had no intention of paying. '' They proceeded to berate me, even questioning why my company would hire such an " XXXX '' to be a manager. I remained calm and asked them to do the same. I asked them to send me a letter providing me with their claims in writing, and they said if I wasn't going to make a settlement agreement immediately on the phone that they would begin court proceedings. I explained that I was simply trying to get to the bottom of their claims, but they just replied that I was being uncooperative and hung up on me. I called the financial institution they said the debt was from, and they had no record of the credit card or the debt under my name or social security number, and also told me that they were not looking to collect any money from me.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (NH)

I had a credit card and line of credit with PayPal through Synchrony Bank that I had fallen behind on payments on in Summer of 2018. I was unable to reach a payment arrangement, but they had my contact information and were able to contact me successfully. 
Somehow, they found the telephone number for my parents ( who live in a different state ). 
On or about XXXX XX/XX/2018, one of their representatives called my parents home, looking to speak to me. My mother asked what the call was regarding, and the representative proceeded to tell her about my account being past due. 
This caused quite a bit of friction between my parents and I and was entirely unnecessary.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: F.H. Cann & Associates, Inc. (IL)

FH McCann Att XXXX XXXX XXXX XXXX XXXX has been harassing me by calling my workplace after being asked not to. This has gone on for years. Please help, they are seriously damaging my work reputation, telling anyone information they should never be allowed to. 
XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (IL)

I started receiving emails from Chime, welcoming me and telling me to get the Chime app. I ignored them because I had not applied for an account nor requested any information from Chime. I have never even heard of the company. The emails kept coming and then I received an actual debit card in the mail. It says to call the number to activate the card. I called the number and it wants the last 4 digits of my SS #. I hung up because I dont want them to have more information. They already have my email address, home address and phone number. Help! How do I cancel this account?
Consumer complaint received 2022-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from capital one with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called Capital One immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted Captial One to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. Captial one refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with Captial one and it has always been paid as agreed. Capital one should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I did not receive the XX/XX/XXXX Statement in the mail. I received no phone call from Credit Card Issuer they had not received payment. I was notified via a credit reporting subscription service advising me my credit limit had been decreased. I visited the Credit Card Issuer 's website and saw that it had indeed been decreased along with a late charge. Upon further review of my records, I never received the XX/XX/XXXX statement. I requested an review and refund for the late fee for {$29.00} and reinstatement of my credit limit and received no response. I do not want this to adversely impact my credit rating for a late payment beyond my control and further damage by lowering my credit limit. Late payment fee and minimum payment requirement were made XX/XX/XXXX the same day I was notified by the credit monitoring company.
Consumer complaint received 2020-09-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (AL)

My identity was fraudulently used to receive a loan from ILOAN/ONEMAIN. The address used for this loan has never been my address. The identity thief used a paper copy of my ID also. The address on the loan & id never matched up, which should have been a red flag for a company who is supposed to throughly verify identities before issuing out loans. Phone numbers, email address, etc. are also not linked to me. Even after filing the proper police report & other supporting documents, this company is still holding me accountable for this loan.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

In XXXX, I went thru the steps to legally change my name to protect my identity. As part of my legal name change, I notified and took the needed steps to change my name with the New York State drivers license office and the Social Security office. I also took the steps to change my legal name with the United States Department of State and received an updated United States Passport Card. See attached # 1 for my updated IDs. 



I have notified Experian a number of times in the past about my name change. At one point, I thought they changed my name like XX/XX/XXXX andXX/XX/XXXX did but now I think they did not. I recently applied for a new credit card and the lender pulled my Experian credit report and then denied me and told me I had no open credit reporting. This is wrong, I have open credit. This led me to obtain my credit reports to review them last month. Based on these XXXX credit reports, I confirmed XX/XX/XXXX and XX/XX/XXXX are accurately reporting my new name and they are reporting my open XX/XX/XXXX credit card. I opened my XXXX XXXXXX/XX/XXXX card in XX/XX/XXXX, and I maintain a perfect payment history with them. See attachments 2-6. 



In viewing my XX/XX/XXXX Experian credit report, I noticed they still have my name wrong. They have my old name reported, XXXX XXXX. I have disputed this wrong name with them in the past as well as provided them with proof that this is no longer my name. This report also confirms that I have No open accounts reported. See attachments 7-9. I do have an open XXXX XXXXXX/XX/XXXXcard. XXXX XXXX confirmed to me that they are reporting my payment history to Experian. I believe Experian is not accurately reporting my XXXX XXXX credit history since they have failed to update my legal name and as such, they are not reporting my open credit. 



I need Experian to update my name and for them to report any accounts I have open now, or in the future, on my credit report. Their lack of fixing my name is causing me to get denied for new credit that I need. I have attached all the information needed to see how their reporting is in error.
Consumer complaint received 2020-09-22
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. (AL)

I SENT LETTERS TO XXXX, EQUIFAX, AND XXXX ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

The day before ( XX/XX/22 ) I was signing loan documents for a refinance, I received an email with wire instructions to send funds to escrow for closing. I thought that I would wire the money when I signed the loan documents on XX/XX/22. The email asked if I could wire on XX/XX/22 since Fed wire takes at least XXXX hours before it hits the escrow account. The email looked exactly like it was from the escrow company with the same Estimated Closing Statement. I failed to recognize that the email didn't come from my escrow agent and came from another person imitating my escrow agent. On XX/XX/22 I went to XXXX XXXX XXXX XXXX on my lunch break around XXXX and placed the wire. I was told that the wire transfer wouldn't happen until the next day ( XX/XX/22 ) since I missed the noon cutoff. The wire was officially place on Friday, XX/XX/22. I signed the loan documents on XX/XX/22 around XXXX. The notary gave me the wiring instructions that looked exactly like they came from the escrow company, and I told him that I already wired the money. He thought nothing of it, and we moved on signing the papers. XX/XX/22 was a bank holiday. On XX/XX/22, the escrow agent said that she hadn't received the wire transfer yet. I asked the bank to put a recall on the wire after I found out that it went to the wrong bank. Later in the afternoon, I found out that the email was fraudulent, and XXXX notified PNC Bank that the wire was fraudulent. PNC took no responsibility for accepting a wire transfer with the wrong account name, and said that there is nothing they can do. I realized that I made a mistake by not recognizing the fake email address, but PNC Bank made a bigger mistake by accepting the wire transfer with the wrong account name. I feel that there has to be some consumer protection here. If PNC Bank doesn't check the account name on a wire transfer, anyone can launder money. Isn't there any checks and balances?
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2020, I called XXXX XXXX XXXX to cancel services for my residence. Upon cancellation of my services with XXXX, I was informed that I had entered into a contract with XXXX for 5 years and that if I were to cancel my service with XXXX, I would be required to pay the remainder of the contract immediately. I informed XXXX that I had never entered into any type of agreement with XXXX other than when I first initiated service over 10 years ago. That contract had expired several years ago, and I was utilizing XXXX XXXX  services on a month-to-month basis. The supervisor then informed me that after my contract had expired, I entered into a " verbal contract '' with XXXX. I informed this supervisor that I had never entered into any verbal agreement with XXXX. On XX/XX/2020 I sent XXXX a certified letter indicating that that I had not entered into a " verbal agreement '' with their company, and to this date, I have never received a response from XXXX in reference to this correspondence. Instead, I have been harassed on an ongoing basis by " Credit Collection Services, '' which is a representative contracted through XXXX in order to collect the amount of my early termination fee. I am XXXX and the constant letters and phone calls has been putting me under tremendous amount of physical pain. I am XXXX years old and have lived on my own since I was 18. I have never entered into any verbal agreement with any utility company or any other company. I would never accept any contract that I did not physically have in hand so that I could read the terms of the agreement and be able to physically sign the contract in order to protect myself legally.
Consumer complaint received 2023-01-30
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. (FL)

this is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2021-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service (MD)

Fraudulent Army Airforce Exchange charges, requested removal authorized user Unable to contact Exchange Services Communication with Impersonating Representative Request removal with provided documentation XXXX  Alert : Personal Information distributed dark web
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have worked hard to establish a credit score and history since moving back to the XXXX from XXXX last year. Initially, I was rejected a few times and then I learned that it's because I had to start from scratch so I did that by using a secured credit card to a point where my credit card usage was healthy and my score strong enough that the card eventually turned into an unsecured card. 


Shortly after that, I applied for a Chase credit card and thankfully I was approved. And in fact, recently I applied for my wife to be added as an authorized user and that was approved and my wife started using the card a few days ago. 


I've been using it responsibly, in fact more than responsibly as whatever I spend, I've been paying it off the moment it shows up on my account and hence have maintained a credit usage of 0 % since receiving this card in XXXX. 


Yet, I got a strange message earlier today that my Chase Freedom credit card was removed from XXXX Wallet without warning and then when I checked my Chase app, it said that my credit card was closed. I then called the Chase credit card customer service and when I spoke with the agent, the explanation that I was told was that my credit history was not long enough and that there were too many recent inquiries. 


On the latter, I guess technically there have been a recent inquiry as I recently applied for the Amazon Prime Visa Signature card but that wasn't because I was needing credit. It was simply to take advantage of the 5 % cash back. However, other than that and the XXXX Card for which I was approved, I have not had any inquiries since last XXXX when I had applied for a lease for my car. 


Credit history also doesn't add up because I have a credit history with a good score that I'm continuously building. And I have made sure that I carry a {$0.00} balance on all my credit cards. In fact, I even sometimes pay more than my monthly lease so that I can pay down my car lease quicker. Especially with my Chase credit card, I have paid my balance the moment it comes up and so I have had a {$0.00} balance pretty much every single day. In other words, I've been a super responsible user and yet to without warning, be told that my credit card has been closed for reasons that make no sense is unbelievable. 


I have a high, steady income and if you consider my savings account and my investment account, all with Chase, plus the fact that I pay off my balance pretty much daily, there is no logical reason why I'm deemed a risk in any respect and I can not accept as to why my credit card was closed.
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC. (MA)

- XX/XX/XXXX I paid the remaining balance of {$350.00} on my account. 
- XX/XX/XXXX I have a credit on my account of {$350.00} due to the promo payback credit offered at the time of opening my account ( 0 % interest if paid full loan amount by XX/XX/XXXX ) - XX/XX/XXXX I called the customer service number ( XXXX ) to inform the company that I still had not received my check from the credit. The representative insisted that the check had been sent and was in the mail, I should receive it in 7-10 business days. 
- XX/XX/XXXX I called to question what happened to the check that was supposed to be mailed to my home address. The representative told me that she was unsure what happened and would put in an investigation to determine what was going on. I was told I would receive a call back within a week. 
- XX/XX/XXXX I call again to figure out what is going on. I was told that the check was sent and cashed on XX/XX/XXXX into a XXXX XXXX account. I let the representative know that I do not have a XXXX XXXX account, nor do any exist in the state of MA. I was told there was a picture of the check with my signature on it. When I asked for the picture to be sent to me via email, I was told that this was not possible but I could receive a copy in the mail in 7-10 business days. 
- As of todays date, I have yet to receive my refund or the image of the check. 
- XX/XX/XXXX The representative told me that there was nothing they could do, and they would not cancel the first check nor send me a new one. I was told that I should file a police report if I thought that someone took the check out of my mailbox. 
- XX/XX/XXXX I call XXXX XXXX myself to try to sort out what happened and report fraudulent activity. I was told that the account number on the check with my signature is an employer account, not a personal checking account.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NH)

Td bank was contacted on XX/XX/2020 regarding a purchase return XXXX transaction. Td claims account went negative and charged overdraft fees. Upon logging into account found that balance was XXXX on same date I posted amount XXXX to cover the amount. Td then stated they charged overdrafts for charges on the account that were not authorized for the overdraft protection as I opted out of this. They claimed its required on all accounts. This seems like they are stacking their overdraft fees as I paid the overdraft on the same day it posted and post more funds to cover the balance I would request that td bank refund the XXXX dollars thats removed from my account.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion