davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MA)

Ive tried to open a checking account and each time I do I keep getting a letter in the mail saying they cant approve me at this time and most of the responses are just as I said they are unable to approve me at the time Ive tried quite a few different banks and all get the Same response Id like to know what I need to do or what the issue is so I can resolve it and try and get a checking account opened. I understand my credit score is pretty low that is due to a few cards I had that showed a high balance that I did not recognize and made my limit over the limit there were charges to my account with my knowledge or authorization. If I oils get a clearer view of what is going on with my information it would help so I can try and fix this and get an account opened up so I can try and pay some of my bills.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
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: General Motors Financial Company, Inc. (TX)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX, has violated my right.

15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TX)

I have been a victim of XXXX XXXX. On my background check appears information that does not pertain to me. Which is preventing me from having gainful employment and feeding my family because of this error.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX an XXXX XXXX retail credit card was opened using my information. My ex husband thought he'd surprise with the account as it would qualify me for several discounts. 

Upon finding out how this would negatively affect my credit, I immediately closed the account on XX/XX/XXXX. There is no balance owed and the account is in a " Closed '' status.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC (CA)

I received phone calls and now letters saying that I owe {$310.00} for a phone loan that I never applied for or received. This is fraud. It is from Debt Recovery Solutions. Last letter received today XXXX saying 50 % off! If I pay {$150.00} the will close my account. this has been going on for about 1 year. 
I have report to credit score company and XXXX that this is fraudulentI never applied nor received a phone loan.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/20 I attended a Wyndham Vacation sales presentation. The time shares were more than I could afford, but the sales representative used aggressive sales techniques. He managed to sell me a 2 yr program with XXXX travel points. It was still something I could not afford, but the representative advised me that they had 2 companies that could possibly finance the amount upfront ( didn't disclose it would be credit cards or that it would be hard inquiries on my credit ). The representative assured me that I would be able to make payments as low as {$30.00} or {$80.00} dollars depending on which finance company approved me. I was approved for both, but I was not disclosed that the APR for both approvals would be 20 %. A few days later California along with most of the country shut down due to Covid. I called the company back in XX/XX/XXXX requesting to cancel the program as I had not used ANY points and had been making payments. I was advised that there was no need for that, that the company would extend the time. I called the company again today, and they told me that the extension for unused points is only 6 months. There is still traveling restrictions and its not safe to travel. I have been paying for the last year. I do not want a refund. I simply want to cancel this charge, I have not used any benefits, and the APR is too high. I truly believe that this service/ product was sold to me under pressure, and I was deceived by the actual amounts I would be paying. Not only were deceptive, and unfair techniques used at the time of sale, but it is abusive to the customer to refuse to cancel a product that can not be used in the near foreseeable future. I have a contract showing the APR I was told I would pay, notes from the sales man on how much my payments would be. I have tried reaching to both the merchant and the credit card company in regards to this. I filed a complaint with the merchant and I was told there was nothing they can do. I have tried contacting the credit card company, but each time I try to press an option to file a dispute the calls disconnects after an automated message states that my request can not be processed and I am unable to speak with anyone at the moment. Trying to pay a XXXX debt for something I can not use seems extremely unfair, after 1 yr of on-time payments, I still have a remaining balance of XXXX.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020 I received a letter back from XXXX  stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Target Card Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a sba loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.
Consumer complaint received 2021-05-07
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. (FL)

I have a loan with JPMCB AUTO FINANCE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB AUTO FINANCE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and XXXX, and JPMCB AUTO FINANCE with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2018-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2018-02-27
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. (KY)

XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in XXXX, Ky. Waited for over a year for it to go to court. XXXX 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XX/XX/XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but Equifax refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2022-04-28
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 (FL)

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 any open end consumer credit plan as late for any purpose.XX/XX/XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Company refuses to comply and requests additional information on behalf of survivor. [ ] As explained in the section-by-section analysis of XXXX ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. The Bureau is implementing a multi- step process that a consumer reporting agency must follow when it receives a submission under XXXX ( d ) ( XXXX ). First, XXXX ( XXXX ) ( XXXX ) provides that a consumer reporting agency has four business days from receipt of the consumers submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.The Bureau does not believe that this provision of the TVPA conflicts with section 605C or the final rule since section 605C, among other things, does not require an official certification from the Department of Health and Human Services ( HHS ) in order to block adverse items of information from a consumer report that resulted from having been trafficked.
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XX/XX/2021. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

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 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 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 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 I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank Wayfair Credit Card -Balance {$0.00} - Comenity Bank has not provided me a final statement -Contacted Comenity 2 occasions on confirmation of credit impact but I was only referred to the credit bureaus. 
-Credit Bureau was unable to help because at that time the trade line was current. 



I believe this is a violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX. 

I held a retail credit card with Wayfair services by Comenity Bank ( XXXX XXXX XXXX XXXX OH XXXX ). My account was in good standing and paid. I was notified that Comenity would no longer be the servicer for the retailer Wayfair effective XX/XX/XXXX. This corporate decision was not based on the individual credit habits, this was a corporate business decision, for which I understand. 

Unfortunately, upon review of my credit profile Comenity bank closed my trade line and I realized a XXXX point decrement against my personal credit score. As you are aware the credit score is a reflection of a consumers buying and credit habits. Why am I and your constituents being egregiously being penalized for a corporate choice not reflective of my spending habits. 

I am writing you because Im todays day and age as we work to keep our economy sustaining and moving violations like these will diminish Americans buying power because of a corporate decision. I personally am in the middle of a home purchase and this violation, has placed that in jeopardy. And I cant help but think, who else has been impacted. A person may have lost a career opportunity. A home refinance a home owner needed to keep their home. So much is weighed in this country on your credit profile that I had to write and I had to let this violation be known.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

On XX/XX/2023, I spoke with a representative of Portfolio Recovery via telephone call and requested the original contract with my signature, the original creditor information, including names, address, and phone number of the original creditor, the payment history, with the itemized billing associated with the account, and proof of ownership of the debt that is owed. As of XX/XX/2023, I had not received this information, going past the allotted 30 days for this information to be turned over to me. I requested in writing on XX/XX/2023, for Portfolio Recovery to provide the above documentation. On XX/XX/2023 and XX/XX/2023, I received a letter in the mail from Portfolio Recovery with billing statements from the account, however it didn't include the payment history, the itemized billing associated with the account, or the original contract with my signature on it. According to the Fair Credit Reporting Act, section 609 A1A, Portfolio Recovery is required by law to verify through physical verification of the original signed contract, all accounts that you post on a credit report. I demand to see verified proof, and until the above documentation can not be provided to me, I do not believe validity has been established. I am asking Portfolio Recovery to provide the payment history, the itemized billing associated with the account, and the original contract with my signature on it. If they are unable to produce these documents, then the debt needs to be removed from my credit report.
Consumer complaint received 2022-04-28
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 (TX)

In accorance with the fair credit reporting act XXXX XXXX # 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 1668B : a creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC (TX)

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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : BMG MONEY XXXX, BMG MONEY XXXX 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 an account without my written instructions.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I was refused a Bank account from Chase Bank located in XXXX, AZ without proper reasoning. Can we please find out why Chase Bank is denying me a Bank account. I've already checked with XXXX and they said there was nothing in my file holding me back.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX chase bank decided that we were bad customers, after a 30+ year relationship. 

they then closed our personal and business accounts, and took 3 weeks to return our funds without a proper accounting included with the payments, leaving us stranded for understanding with NO AUDIT TRAIL to be available. 

This was with : XXXX XXXX and an inexperienced teller that she decided was more valuable than the clients. 

The teller kept demanding more documentation, to the point that the cartridge was passed 4 times to me during this sensitive period of NON CONTACT COVID RULES. 

They do not clean or disinfect the bank property properly. 

chase bank are arrogant monsters that deserve to be broken up