davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have Bill Pay set up with my checking account. 

On XX/XX/XXXX I scheduled a BILL PAY for {$1200.00} and ACCIDENTALLY selected Kohl 's. The payment was successfully transmitted to Kohl 's on XX/XX/XXXX. But my account was closed in XXXX! 
Action steps taken : 1. Called my bank. They could not do anything since the transaction was successfully delivered 2 weeks earlier. 
2. Called Kohl 's Customer Service on XX/XX/XXXX and they said that they can not retrieve the account # ( it was closed ) and could not help. Was told to write an email. 
3. Emailed customer support on XX/XX/XXXX and explained the situation only to receive an email back who referred me to call XXXX. 
4. Called Kohl 's Corporate main # XXXX but the phone system is not manned ; you usually get a message that says " your session can't be completed at this time ''! Even when you try to get to the CEO 's office by name. 
4. Sent email to Finance head at Kohl 's Corporate ; no response back. 
5. Called the XXXX # on XX/XX/XXXX @ XXXX XXXX  ET and spoke to representative. Again, they informed that they were unable to access a closed account. Suggested we dispute this with the bank. 
The money is somewhere at Kohl 's but neither Customer Service or Kohl 's Corporate is willing to assist.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

I had some unauthorized charges on my account with in the past 6 months and haven't noticed until tax time. So I disputed this with Chase Bank and of course they won't help you recover your money. They only want to take it from you. I had 2 charges happen a few days ago before I started the dispute. Chase sent me a letter 1 week later saying they were sorry and can't recover the funds that were taken because they were over 3 months old. What happened was the banker in the dispute department filed all the charges under the same claim in which was his fault. So they couldn't reclaim the money because the the oldest charge was over 3 months old. Even the new charges that happened days ago couldn't be reclaimed because the banker filed those with the old charges. So Im out of money and after 7 years with Chase Bank I will be closing my account with them and never going back. They have the worse customer service and rules. Never in my life seen a bank make a mistake and not fix it. Its not like they were losing any money on their end. They just didn't won't to help me recover mine.
Consumer complaint received 2023-12-31
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: EQUIFAX, INC. (NY)

Equifax, Reviewed all my data listed below on my credit report, and listed information is inaccurately & incorrectly being reported on my Equifax credit report. I did not authorize the following inquires : I understand that as per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my identification and current address to avoid any delays in your response time. 
Address : XXXX INQUIRY DATE : XX/XX/2023 INACCURATE & INCORRECTLY REPORTED XXXX XXXX XXXX XXXX XXXX DATE : XXXX INACCURATE & INCORRECTLY REPORTED XXXX XXXX XXXX XXXX XXXXXXXX DATE : XXXX INACCURATE & INCORRECTLY REPORTED
Consumer complaint received 2022-09-11
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: CAINE & WEINER COMPANY, INC. (TX)

On ( XX/XX/2022 CAINE & WEINER ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. 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 it's mine. According to the FCRA XXXX CAINE & WEINER ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I paid off the remaining balance on my GAP Synchrony Bank Store Card. On XX/XX/XXXX My carr was closed by Synchrony bank. I was told by three separate representatives that my card was closed due to other financial obligations that I failed on. I had lost my job and was struggling to keep my head above water. Nonetheless I was told that because of my credit report my account was closed. I dont remember giving Synchrony Bank permission to review my credit report beyond my initial application. I explained that the closure affected my credit score in a major way negatively! Especially since Synchrony Bank waited until my balance was paid in full! Before they  closed my account. My credit score had suffered tremendously!! And I am now unable to qualify for a Mortgage because they refused to review and reopen my account. Now originally I was told it was because of my credit report. But the letter they sent me after I filed a dispute with the company says something completely different. The letter says that my account was closed because of Prior Unsatisfactory obligation to Synchrony Bank. And I have reason to believe that Synchrony Bank closed my GAP store Account as a form on retaliation/punishment for falling behind on my Payments with my Walmart Card!!! Also held by Synchrony Bank! This is completely!! Unfair! How is Synchrony Bank allowed to close my account after its been Paid! And why was I told one thing but given a letter that completely contradicts what was told! 

Please Help!
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

Was getting hassle calls from CBE Group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX ) about collection charge of {$39.00} from XXXX XXXX. 
Information they had given me is I had no knowledge and told them that was not me and never ordered that service. They called continued to call me and I had to repeated many times it is not mine. Now they are showing on my Credit Report as Collection so I had called them again and explained to them please remove it from my report since pending charge is not mine. But they are not responding.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability. 

Your Comments from the previous and related dispute just filed on XX/XX/XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. '' The issue remains -- - This account is incomplete, and inaccurate. 

The XXXX XXXX Account, Activity Designation Should be " Paid and Closed '' and not NA. 

The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2016, the Pay History was space filled with NR. 

The Comments and the HC listed, are inaccurate as well. The Card NEVER had a High Credit of XXXX, or was at the limit.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

Recently there have been changes to my Equifax Credit Report. I requested Equifax to mail me a new and up to date credit report. Equifax has failed to comply with my request. I am requesting Equifax to send me an up to date and current credit report.
Consumer complaint received 2021-07-14
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. (MD)

The name and address of someone who is not me have been listed on my Equifax credit report for several years. I have filed at least 4 disputes directly with equifax which are all listed as resolved but have not completely addressed the disputes. On the Equifax website, I am able to dispute the name ( which is accurate ) but I am not given the option to dispute the listed alias ( which is incorrect ). Each time I dispute the current address ( which is incorrect ) my dispute is listed as resovled but the address persists. The earliest disputes filed were back in XXXX and XXXX. They are listed as resolved but did not fix the error. The disputes were filed in XXXX, XXXX, and XXXX of XXXX. My latest dispute with Equifax I have filed additional disputes with XXXX  with greater success, although it required several follow up disputes to clear my record.The latest dispute confirmation number with Equifax is : XXXX
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

Upon checking my Credit reports, it was found that a Discover card was opened in my name. I have filed an identity theft report with the FTC as well contacted the attorney generals office in Louisiana and the XXXX Police Department. I notified Discover of this fraudulent account and they still insist that this account is mine. At the time of account opening, I resided in a foreign country and at no point did open this account. Discover refuses to accept the prima facie facts of this fraud.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

Trying to link my bank account to XXXX app which is a money advancement app and it states pnc has made changes that will not allow my account to be linked. This was never an issue. Ive used it many times and used other money advancement apps before without issues and none work now
Consumer complaint received 2021-04-23
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: Sequoia Financial Services (CA)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Seq Fin Servces 2XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

I have a us bank reliacard  which I recieve my child support on. My card is being declined over and over and i have spent several hours a day between XX/XX/XXXX and now on hold with customer service. Each time after hours of waiting the call is disconnected. I have been unable to log into my online account and after trying several times to get in I gave up. The customer service had sent me several links over a year ago that were supposed to help me set a new password but that was unsuccessful. I have {$210.00} on my card that I can not access and need. 
I also tried calling and going to My local US bank but they told me they cant do anything and to call reliacard customer service.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

I received an online bonus offer to open a new checking account, and that if I made {$2500.00} in direct deposits, and maintained a balance of {$2500.00} for 95 days, I would receive an account opening bonus of {$300.00}. 

I received a bonus {$150.00}. I was told that the bonus was for a different type of checking account ( even though I followed their link for the {$300.00} bonus ), even though I made the appropriate direct deposits, and maintained an over {$5000.00} balance for over 95 days. 

I 've made a few calls into customer service ( on hold for over 30-45 minutes each time.
Consumer complaint received 2018-06-13
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: Perfection Collection (TX)

In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Perfection Collection had reported negative information on my credit reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent XXXX ( as reporting on XXXX ) and Perfection Collection ( as reporting on XXXX ) a dispute letter that was sent certified with a return receipt. To date, XXXX ( see attached ) stated that the account was purchased by Perfection Collection in XX/XX/XXXX. Perfection made no effort to communicate with me informing me that they were attempting to collect an alleged debt. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Perfection responded to my dispute ( this is the first time I received any correspondence from this collection agency ) by offering a settlement ; yet, they did not provide any documentation to substantiate the amount they are arbitrarily reporting. Too, the correspondence I received from them lacked veracity. It is merely reflected on their letterhead with no other documents. It is obvious that Perfection has nothing to validate what they are negligently reporting on my credit reports. 

These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not provide any documentation to support/substantiate what they were reporting as well as NEVER sending a dunning letter and allowing me 30 days to respond to dispute the validity of their claim, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX The Home Depot account was paid in full ( see attached ). A late payment hasnt been reported since XX/XX/XXXX ( see attached ), after paying in full theyve added a late payment for XX/XX/XXXX. This is totally unethical, immoral & should not be reporting late. I attempted numerous times to contact THD to settle this debt and it took a month to get ahold of someone to take care of this.
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FMS Inc. (WA)

I have phoned FMS several times left many messages XXXX XXXX, Vice President of Compliance. I would like a break down on a spreadsheet showing the loan while at FMS what the Collection Costs were at the time before it transfer, Interest on Loan was before it transferred, and Principal of the loan while it was first assigned at FMS. Date of First assigned at FMS to the end break down before it was sent off to servicer for financing. I have nothing to break these costs down for my review in the attached letter. Please send requested information to me at your most earliest convenience.