davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CO)

I stopped at Chase Bank ATM terminal ID XXXX at XXXX XXXX XXXX XXXX to withdraw {$400.00} from my XXXX account. The ATM did NOT dispense money, instead printed me a receipt saying we arent able to dispense cash right now. Please call us at XXXX. Chase bank DID remove {$400.00} from my XXXX account. When I called chase bank I was told they couldnt do anything about their ATM stealing my money. I asked if I could go into the branch and get my money, at which point I was transferred to a recording that said please call us back and hung up on.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Caribou Financial, Inc. (AZ)

On Friday XXXX XXXX 2021, XXXX from Moto refi, a vehicle refinance company, run my credit and my girlfriends credit without our authorizations. 
And after being being kind of forced to use them because they run our credit, he now refuses to answer any of my text. So our credit have been ran for no reasons.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX or XXXX, 2017 I applied for a Target store card on their website. It was not approved right away but a message popped out that my application is under review and will receive a reply in the mail within 7 - 10 business days. On XXXX XXXX, 2017 I received a phone call from Target Financial Services asking me some personal information about myself like when my birthday is, my age, and my address. Then they informed me again that they will mail me their decision. I called the number back the next day and talked to XXXX. She told me that they approved the credit application but they need me to fax the front and back of my social security card, my driver 's license and a utility bill. I told her I am not comfortable with that. I keep going back and forth with Target asking them to cancel the card because I am not comfortable providing these documents that has all my personal information especially the social security card. They said that they can only cancel it as soon as I provide them with the documents. I want this published so the public will know.
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (AZ)

Not only do I dispute this debt, but the debt collector, LVNV Funding, and their attorney, XXXX XXXX, with XXXX & XXXX in XXXX, AZ apparently obtained a judgment against me without my knowledge and without verifying the debt, and then proceeded to locate an individual with a similar name, contact her employer, garnish her wages, and in the process provide her with enough information about me ( including my name, SSN, supposed debt amount and creditor, etc.. ) to track me down and harass me via social media, blaming me for the supposedly mistaken garnishment. 

Since the garnishment was squashed by the court, the debt collector has sent yet another a letter outlining specifics about both me and the debt to another unrelated third party and has increased the total supposedly owed. 

It is unacceptable given a. ) it's not my debt, b. ) they didn't contact me before obtaining a judgment ( or contacted the wrong person ), c. ) they released very personal, identifying information about me and my supposed debt to a stranger who proceeded to harass me, not once but twice, and d. ) they have not stopped their efforts.
Consumer complaint received 2020-08-26
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: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent 4 letters to TransUnion asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a formal complaint against transunion credit bureau. Transunion failed to ignore a proof copy of my validation letter i sent to the collection agency innovative recovery dated on XXXX XXXX showing that they did not validate the alleged debt. I sent copies to transunion of the validation letter dated on XX/XX/XXXX and asking and in writing for removal of an unvalidated and inaccurate alleged debt from my credit report that innovative recovery was reporting. On XXXX XXXX i received a letter from transunion dated on XX/XX/2020 stating the alleged debt was accurate. This is a violation on both parties the collection agency " innovative recovery '' and also transunion.As a consumer my rights were violated and was never given the information i requested from innovative recovery and transunion flat out ignored the validation letter.The debt was never validated in my validation letter i sent to innovative recovery. And i asked transunion for removal and they also failed to do so after i showed proof that the collection agency never validated the alleged debt. So therefore further action are going to be taken against transunion and innovative recovery.. How does transunion investigation comes back accurate and the alleged debt was never validated that was requested from the consumer..Thats my right to ask for complete validation and my request was never honored ...
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CO)

In XXXX I was late sending in my payment due to COVID issues. I then paid it in full asap. They are showing a late payment in XXXX on my credit, but they refuse to remove the late payment on my credit report. This dropped my score so I am now losing my mortgage because the score is XXXX points to low. Their late payment on my credit lowered the score over XXXX points. They agreed on a phone call to remove the late payment on my credit plus remove the late fee, but all they have done so far is remove the late fee.
Consumer complaint received 2022-09-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC (GA)

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, Lending Point adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Lending Point, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (AZ)

I received a US Bank XXXX  in the mail. An insert included said I was receiving the card because I filed for unemployment in Colorado. I did not file. I checked my credit report and there are soft inquiries from the XXXX XXXX CO XXXX, State of IL XXXX/XXXX, and State of OH XXXX/XXXX. I do not live or work in any of these states. I live and work in Arizona. 

I have attempted to call US Bank and each of the states, but they are overwhelmed with calls.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within XXXX ( XXXX ) days of reinserting a previously deleted item

( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Equifax have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2022-09-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc. (NJ)

I am Complaining about ; Remex Inc XXXX XXXX XXXX, XXXX, NJ Report them to the " CONSUMER FINANCIAL PROTECTION BUREAU '' ( CFPB ) Fill out the form. Dont let them intimidate you. Dont be so quick to pay. You do not owe them anything. They bought these accounts for pennies from the actual creditor. If you wish to pay, then pay the creditor/s directly do NOT pay these people. Request they validate the debt. 

According to reps XXXX, XXXX, XXXX, at Remex Inc during a phone conversation that On XXXX of 2016 I was XXXX from XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX in XXXX NJ. And XXXX XXXX XXXX XXXX, MD who performed the XXXX on me 's office has billed me a bill of a service according to them was performed on the XXXX of XXXX and it went to Remex XXXX, and Remex reps claim that the hospital care insurance only covered from the XXXX of XXXX to the XXXX. 

I've sent them proof of my XXXX responsibility of that bill, and verified XXXX XXXX XXXX XXXX XXXX that the only time the XXXX performed on me, or seen me was during the period of XX/XX/XXXX and XX/XX/XXXX, which is covered % XXXX on the hospital care insurance that I've provided. Case in point, other bills were issued by the same office and they were paid in full by the insurance. 

As of the communication with Remex, they have not been able to provide me with any proof of the validation of the bill. They have not been communicative at all with me, and they claim that it's against their policy to communicate by email, or any digital means. They only allowed me to either Fax them the proof or Physically mail it to a po box . The physical address they have on their website, is a commercial address of many companies, and can't be located.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I have written to Wakefield and associates requesting validation and to cease contact until I have received validation of the alleged debt. I sent this letter certified mail which they received on XX/XX/2018. XXXX from Wakefield and associates called today to attempt to collect on the alleged debt. He tried to offer me a settlement amount and or payment plan. I notified him of the letter that was sent. He acknowledged that they did receive the letter and continued to try and collect the said debt. At this time I notified him that he was violating my rights as a consumer and to please send any further communication via mail and then terminated the phone call
Consumer complaint received 2024-03-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (PA)

After checking my credit report i noticed a fraudulent student loan account # XXXX XXXX on my credit report. DATE OPEN : XX/XX/XXXX DATE OF DELINQUENCY : XX/XX/XXXX Question : how can a delinquency occurred XX/XX/XXXX yet the account was opened XX/XX/XXXX. Further to that they have change information on the account 7 times Such as : The owner of the account, the date the account was open, the type of account, from student loan to credit card to just loan, and created payments for six months that was never made.

Everytime i disputed the inaccurate information they would change something else. 

The delinquency happened before the account was ever opened? How do you have a delinquency before there was ever an account????? I disputed the inaccuracy and the fraudulent nature of this student loan account and requested and investigation and removal from my credit file. They never submitted what i requested and continue to report on my credit file. As a matter of fact they keep changing companies and re-ageing the item rather than remove the inaccurate account. 

This inaccurate account must be deleted immediately.
Consumer complaint received 2020-08-26
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. (CA)

I have disputed the same item at least seven times. This is for XXXX in the amount of {$2400.00} and XXXX XXXX ( the  collection agency XXXX sold the dept to ) for the same amount. On my initial dispute, l was not forthcoming about the family member, who shares my sir name and who was a house sitter for me, during this period of fraud. However, After the initial dispute results came back as- correct and confirmed accurate for XXXX, with only XXXX XXXX being deleted from my report ; l was left with no choice but to provide the Equifax with that information. Despite disputing an additional 5 more times, the results are identical. This has gone on for about five months in total. I believe the results are bias and my dispute is being mishandled by the same group of people. XXXX, XXXX and XXXX have all removed both items. Equifax is the only reporting agency who continues to verify as accurate despite my having a fraud alert and police report on file for identity theft. Please intervene ...
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (GA)

Upon checking my credit report, an account from Credence Resource Management has been reported. I am not aware of the said debt. I mailed a letter to Credence Resource Management asking that said debt is validated pursuant to the Fair Debt Collections Practice Act ( 15 USC 1692 et seq. ), and have not received any further correspondence.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reach Financial LLC (TX)

I am extremely stressed about this matter with Liberty Lending, as the consumer and natural person they are violating multiple federal laws. Congress says under 15 USC 1605 determination of a finance charge - the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Truth and Lending says that the finance charge is the SUM OF ALL CHARGES, the charges i've been giving is significantly higher than the finance charge. XXXX XXXX, a representative from Liberty Lending also violated my rights as a consumer by contacting me after ignoring my cease and desist letter and failed to provide accurate information for the validation of this alleged debt. I, XXXX XXXX give permission to all parties involved to investigate this matter
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Today on XXXX XXXX, Experian responded to the complaint filed XXXX months ago in XXXX regarding my request to remove XXXX XXXX XXXX from the XXXX report on the Experian account. They do not pay attention to the complaint, and state that the account does not show on Experian.
Consumer complaint received 2022-09-14
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: WELLS FARGO & COMPANY (GA)

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 2020-01-23
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: Experian Information Solutions Inc. (MO)

This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is  directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (WA)

In XXXX of this year, I called BMO to close the credit card account, they agreed to send a refund check to me which included {$27.00} for a 'fee ' that was that was their error and they acknowledged the error in a letter. The {$27.00} plus the remaining rewards amount which was between {$11.00} to {$14.00}. was to be refunded to me. The BMO credit card representative explained it would take about 2 weeks to process. 

I never got the check from BMO. 
I called to find out the status on the following dates the answer was it was being processed : XXXX, XXXX, XXXX - BMO said it was sent out again XXXX Upon calling on XX/XX/XXXX, the BMO rep told me it was only a check for XXXX and the check cleared on XXXX. I asked why they didn't let me know when I called before? They said the information was just available. I want to see the endorsed copy of the check or get the refund check sent to me ASAP.