davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WI)

I had several bank accounts and credit cards with Chase Bank, all of them were set up on estatements. In XX/XX/2018 I noticed a {$3000.00} withdrawal from my savings account and did not recognize it. I immediately called Chase and was told that my online banking was compromised and they needed to close down my checking, savings, and online banking profile. I was told the credit cards were fine and did not need to shut those down. They gave me a list of things to do to regain access to my online banking ( like get updated anti virus software ) and was told I would be getting paper statements for the credit cards going forward.

In XX/XX/2018 I had not received a paper statement for one my credit cards ( Card XXXX  ), but I knew it had a ~ $ 3k balance. I called to make a payment by phone and paid {$1500.00} and asked to have paper statements sent to me since I had not received a statement for this card. I was told they would send that.

In XX/XX/2018 I still had not received a paper statements for card XXXX. I called the automated line for the bank and made the statment balance in full ( ~ {$1500.00} ).

At the end of XX/XX/2018 I was finally able to get everything completed to satisfy Chase 's online banking team and they signed my up for online banking again.

In XX/XX/2018 I received an alert saying that I had a 30+ day late payment on my Chase card # XXXX. I checked my online banking and all credit cards were up to date. I called Chase and they told me that card # XXXX was " hidden '' from my online banking and they linked it to the account. In XX/XX/XXXX I received a {$19.00} interest charge after I paid the statement balance in full. Since I did not receive statements after that date and the card was removed from my online banking, I did not know that it still had a balance. After contacting Chase they told me they could not remove the late payment from my credit bureau because technically they were sending me online statements still ( even though I did not have an online profile ).

So, to sum it up- from XX/XX/2018 to XX/XX/2018 Chase did not send me statements for my card # XXXX, even after requesting repeatedly to send them to me. Once Chase granted me online access, that card was not on my online banking profile. During this time they did not send me any emails, call me, or mail me notifications.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (RI)

RE : VIN # XXXX This is simply a request for information in regards to the XXXX XXXX XXXX. I bought this vehicle on or around XX/XX/XXXX from XXXX XXXX XXXX. I was hoping that you would be able to provide a copy of the following information for my records : Copy of the Retail Installment Contract Copy of the Arbitration Agreement Copy of any other documents you have on file with my signature The accounting for my account reflecting payments, credits, and adjustments A clarifying statement of your role in this transaction Also, the vehicle in question was purchased on XX/XX/XXXX, financed by CREDIT ACCEPTANCE CORPORATION repossessed in the state of RHODE ISLAND. Under the laws of RHODE ISLAND and UCC 9-506 as well as RHODE ISLAND XXXX and XXXX statuses, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits have adhered too. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. Effect of errors or omissions 9-611. Notification before disposition of collateral 9-612. Timeliness of notification before disposition of collateral.

9-613. Contents and forms of notification before disposition of collateral 9-616. Expl
anation of Calculation of Surplus or Deficiency You are required to provide me copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided, the alleged claim of the deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularity or severally fail to comply with the above requests, I reserved the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.
Consumer complaint received 2018-07-31
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. (TX)

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've asked numerous times for debt VALIDATION and they will never send me documents I am asking for. What makes things worst before this not knowing of these accounts, my assistant sent out payment to Portfolio recovery in full on both account one for {$11000.00} and another for {$3600.00}. Payment was sent certified mail, it came to my attention when I received a refund check for overpayment on the accounts and they're still harassing me with letters that I owe them, this is absurd. I will attach copies of payments and refund check from Portfolio Recovery.
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NJ)

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 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2017 I purchased the rental of a car in XXXX through XXXX, a popular rental website. The total amount for the rental was {$75.00} USD for the dates of XX/XX/XXXX to XX/XX/XXXX. After my return to US I noticed a charge on my Citi Double Cash credit card with the date of XX/XX/XXXX for a total amount of {$530.00}. I presented a dispute for the charge, and after a few days I was informed that the merchant presented evidence of my acceptance of the mentioned charge. The document presented by the merchant ( supposedly signed by me ) was partially in XXXX, blurry, with values in XXXX XXXX, and extremely unreadable. However, Citi Bank decided to rule in favor of the Merchant, XXXX XXXX XXXX   XXXX. After contacting Citi multiple times via XXXX and phone they still insist that there's nothing they can do, even when the evidence is overwhelming on my favor.
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

XXXX XXXX as of yesterday reports monthly on my XXXX  report that I owe them XXXX now they send me mail, bills and letters stating I owe from a Victoria Secrete Credit Card. XXXX XXXX is also playing on my XXXX  also as world Financial Bank. I have told them over and over I never had a Victoria Credit Card. They have a statement with a bill on it to say it mine and the person on the statement has an address of XXXX XXXX XXXX XXXX, CT. Since I made a few complaints they call daily, they send me bills and statements and now they Harass me by reporting monthly and only on my XXXX report. The other who credit reporting agencies have deleted XXXX XXXX. XXXX will not prove or give me a chance after one time of disputing so therefore XXXX XXXX has the free will be report what they want on my credit. Please look into this. I feel as though this is my last attempt to argue this as they are violating my rights and if this can not and will not be removed. An Attorney is their next best argument.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Payment was made via phone on XX/XX/2018 and my payment was due on XX/XX/2018. The customer Wells Fargo service dept says the payment was scheduled the XX/XX/2018. Therefore the payment was late. I did not schedule the payment on the XX/XX/XXXX. Customers should not be charged late fees when a payment is made before the due date.
Consumer complaint received 2018-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DRS Financial LLC (FL)

Account was opened on XX/XX/XXXX with a collection amount listed as {$790.00} and past due as of XX/XX/XXXX. The balance was paid off by a county program that helps chronic illness sufferers who are destitute and can not afford medical bills. They do not provide payment proof as this is meant to be sent by the medical office in question. There was no such proof sent. Notifications to collection company of paid account have been ignored. Furthermore said collection company in question, XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. NJ XXXX with headquarters at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX  otherwise known as DRS Financial LLC is NOT licensed to collect debts in the state of Florida as per the Florida Office of Financial Regulation.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NC)

Dear Sir/Madam, TD cards servises added fraud transaction to my account since XX/XX/2017 $ XXXX USD today its with late fee total debt $ XXXX-XXXX debt, this charge not belong to me how i can pay them, i called 10 different times told them this charge not mine something related online cam model site but they not agree and stay in my statement today there collection company report file non payment to credit score thus without no reason my credit scores damage now i have lot of problem to obtain loan and credit cards at very low interest rate. Thus i need your assitant this matter, invetigate right culprit give them punishment and give me justice.my account number with TD card services is XXXX. 

Thanking you in your anticipation. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} Discover approx. {$1800.00} XXXX  XXXX XXXX. A man posed as XXXX/taxi driver, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The 3 men made me buy nearly XXXX of some sort of tickets/cards from two separate gas stations and tried to get me to take more money directly from the cards using ATM before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! Filed reports with Dept of State contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies Discover & XXXX  XXXX XXXX are billing me for unauthorized charges, I did not authorize three men posing as XXXX/taxi drivers to force me to give them me credit cards and steal the items. I am XXXX and the credit card companies Discover & XXXX  XXXX XXXX are charging me fees, late charges on the unauthorized charges and ruining my credit. I was deployed to XXXX beginning XX/XX/2019 and just came off of XXXX orders. Any help you can offer would be greatly appreciated.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

AT the beginning of XXXX I received notification from SearCard that if I did not use my credit card to make a purchase they would be lowing my account limit. Ultimately this will impact my credit score in some manner. On XX/XX/XXXX I contacted the company and explained that I had not used the card because I had purchased a washer and extended warranty in XXXX and had not had any need for another large purchase. I did not see this as my account being inactive but rather just not needed. I was told that I would need to make a purchase, even if it was only {$1.00} to keep my account active because they were protecting me from fraud. I questioned this and stated that I could verify that my account was with me and had not been used, the supervisor I spoke with ( XXXX ID # XXXX ) told me it did not work that way. I explained that telling me that I had to buy something to keep Sears from harming me was blackmail. He stated that I had no way of knowing if it would affect my credit rating unless I contacted a credit rating company and that I should not put words in his mouth (? ). I clarified again that if I did not purchase something with my credit card, Searcard was going to lower my credit, knowing it would impact my credit and they were doing this to " protect me from fraud '' even though I had contacted them to let them know the card was not inactive just not needed. He stated yes, that was the action that would be taken by XX/XX/XXXX.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (TX)

I bought a {$500.00} VanillaGo visa gift card ( ending XXXX, Card issued by The XXXX XXXX  pursuant by a license from Visa USA Inc. Card is distributed and serviced ) at XXXX  in XXXX XXXX TX and I was able to check balance. Recently I checked the card again and it was not active. I paid {$500.00} for the card and I made at least 3 phone calls now about the card, it was very painful and frustrating process. 

I called on XX/XX/2020. The customer service representative told me that he will send email to " back office '' and ask them why it was not activated and he said the card should be activated in 48 hours. 

On XX/XX/2020, I checked the balance again and still shows the card was invalid and not active. So I had to call the customer service again. 

A lady took the call and said she will send email to back office and she was not clear on why the card was inactivated and she had no idea if the card was activated when I purchased the card. 

She said I would expect a phone call and I told her that this is a scam and the card issuer tried to steal my money, which is true. 

Now still unsolved, the quality of their customer serves was declining sharply during the last few months.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (SC)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I never applied for credit with Pay Pal. I saw that Pay Pal pulled my credit without my authorization. I asked for the credit application and they said I did apply and they decided not to approve my application and they could not tell me why. I have over $ 60k available credit and a XXXX credit score so if I did apply for the credit from Pay Pal why did they not approve me unless the application didnt have my correct information. Please expunge from the credit reports as I did not authorize Pay Pal to pull my credit