davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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: Bread Financial Holdings, Inc. (IL)

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Comenity bank/XXXX  XX/XX/XXXX
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

The XXXX account was finally re-established with the correct balance but after 28 days of multiple emails, telephone calls and visits to the branch. 
The balance funds were not available for since XX/XX/XXXX until XX/XX/XXXX and the bank has not produced any explanation after multiples request. 
The bank failed : Availability of deposited funds, account freezes, transaction holds The account disappeared without explanation impeding receiving and making payments. 
The bank made errors crediting the account Debit card was cancelled without justification Problems accessing account online and mobile.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Loan Account # XXXX Dear Sir or Madam, In response to a Consumer Finance Protection Bureau complaint, on XX/XX/2019 I received notification from Capital One that my account will be reported on all credit reporting agencies as Paid in Full, current as of XX/XX/2019. 

As of the date of this letter my credit bureau accounts are being reported as follows : XXXX  reporting as charge-off XXXX   reporting as Paid or paid as agreed XXXX reporting as paid account/charge off My auto loan account was mostly paid off by my insurance company ( XXXX ) after the car sustained a total loss in an accident. A balance remained, of which I paid off in a monthly installment plan. 

As of current my account is still reporting as charged off on 2 credit bureau reports. This incorrect reporting is causing me a great amount of hardship. I am currently out of work and unable to accept a job offer that requires me to commute 30 miles because I cant get a car loan to purchase a vehicle due to the charge off on my credit file. 

Ive made multiple disputes via the credit bureaus and each time this charge off status has been re-affirmed by Capital One. 



Sincerely, XXXX XXXX
Consumer complaint received 2021-01-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I borrowed money from CashNet USA back in XXXX for I think XXXX. I did default of the loan. CashNet sent remaining balance to a third party collection agency in XXXX, XXXX XXXX XXXX. XXXX XXXX stated I owed XXXX. I set up a payment arrangement with them and paid of the loan in early XXXX. I received a letter from XXXX XXXX with the account number for CashNet stating the balance was now paid in full, owing XXXX. Thinking this loan has been satisfied, I have received at three different debt collection agencies stating I still owe. They threaten to serve me at work or at home. They will call multiple times to my spouse and family members trying to reach me. It is not until I actually speak with someone and explain the debt was paid and email proof to the collection agency, that I am believed. I have tried to contact CashNet twice to figure out why this debt is still out there. The first time a third party agency called back in XX/XX/XXXX, a rep from CashNet agreed the debt was sent out to XXXX XXXX and said I needed to speak to them because they must didn't send the paid in full information. I spoke to XXXX XXXX at that point who said it was taken care of. Then in XX/XX/XXXX, I received another third party agency stating the same : come to my house, come to my work etc. I emailed information over to this collection agency and was told they no longer had business with me and hung up. I called CashNet a second time in XXXX, the rep this time could only confirm that the debt had been sent out to a collection agency previously and had nothing to do with a collection agency collecting on a debt paid or not. Now yesterday, a third collection agency called XXXX XXXX XXXX, used a " independent '' contracting to call and harrass again me, husband and family to make sure I was home to give me certified papers. She eventually gave me the number to the 'filing party '' she was representing. I called XXXX with a case number of XXXX. The number belongs to XXXX XXXX XXXX. I spoke to a rep, XXXX, who pulled up my account said I owed for the same debt amount XXXX to CashNet. I again explained it was paid with XXXX XXXX. I gave him the account number and he said he was good and would send a note to CashNet. This should be the third note sent to CashNet that the debt is paid. I am at my wits end. XXXX XXXX said they received the debt in their office just 3 days ago. He could or would not explain how and where he obtained this debt, but did imply it starts with CashNet. I have tried calling them twice to no avail! I want this taken care of once and for all, but not sure who to contact to make collection on this stop. The rep I spoke with at XXXX XXXX gave me the documentation needed that states debt was paid off, she could not understand herself why the debt was still " out there ''. The second company I spoke to back in XXXX, I unfortunately don't remember who, but I do have the email I sent. It was sent to XXXX. Please help!
Consumer complaint received 2020-05-05
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: TD BANK US HOLDING COMPANY (MI)

I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX XXXX.I authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. Nordstrom TD Bank. I never authorized this inquiry.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

My account was hacked and someone was able to change my pin number. They also emptied my savings account into my checking account. They spent XXXX dollars at XXXX in XXXX New York. I live in XXXX Texas so that is about XXXX miles away from me. They also spent XXXX at XXXX XXXX  and tried to spend XXXX dollars at XXXX. Chime ( XXXX ) declined the charges at XXXX and also refunded the XXXX from XXXX XXXX. They recently sent me a email saying they denied my dispute of the XXXX dollars at XXXX. I have never even been to New York and I actually made a purchase on my credit card I have with chime less than XXXX minutes before these charges occurred.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Bank of America sent a bill to my address in XXXX for maintenance fees in the amount of XXXX. I called BOA fraud department to let them know, I do not have a BOA account. She said it was open at a branch. I told her, I live in Idaho and we do not have any BOA locations to go into a branch. This account is Fraud. I received another bill in XXXX and in XXXX. I called in to file fraud. The rep said the account was forced closed. I said it was fraud it needs to be closed as fraud not forced closed. This will impact any banking credit checks. I asked for details when, where and location and if any money flowed through the account. I wanted to report this to Dept of Finance and Attorney General and all other agencies. I was transferred 5 times and the only answer I received is : Open : XX/XX/2019 Email : is XXXX I do not have an XXXX email and no one was able to provide branch location, city or state. 
I can not get any help from BOA to close the account and fraud and remove the account out of my name.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (TN)

XX/XX/XXXX First of all, when a debt collector calls you. They will ask for you. Then ask you to verify your information- not give you the information and then say " is that right? '' I spoke to two different people who said my DOB was XX/XX/XXXX and all I said was " um-hmm '' and then they went on to explain everything about the debt. Next, the debt is over ten years old. It is not even showing on my credit report and the insurance company should have done an appeal like all insurance companies do, if the hospital is covered then the ER physican is covered also. That way everyone gets paid. 

But this over 10 year debit?? and the way the company Credit Management Company gave out information like they were talking to their friend or family. I don't know who they are and they don't know know who I am- I never verified anything verbally. Debt Collectors will ask the person on the phone to give the last 4 of social or the dob and then the address. But they did nothing. 

They violated the Fair Debt Collection Practices Act!
Consumer complaint received 2021-06-24
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: Experian Information Solutions Inc. (OH)

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX Credit Bureau Name XXXX XXXX EXPERIAN Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, XXXX EXPERIAN credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 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 XXXXnquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (OH)

I sent a letter on XX/XX/2021 I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts.

I need this problem fix ASAP. I should not have to wait another 45 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 45 days so they should be deleted promptly
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: M&T BANK CORPORATION (NY)

I the consumer and natural person was denied credit by M & T bank when I applied for an extension of credit for an automobile. Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 U.S. Code 1691c and is pursuant to civil liability in 15 U.S. Code 1692k. M & T is subject to CRIMINAL liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by M & T Bank in their letter dated XXXX XXXX2022 as exhibit A. M & T Bank violations include 15 U.S. Code 1642,15 U.S. Code 1681m and 12 CFR 1002 being that I made an application in good faith, but credit was not issued. In addition my Social Security Number ( credit card ) was used and I received NO benefit proving this to be proof of fraudulent activity, unauthorized use of a credit card by M & T Bank. If M & T Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make M & T bank criminally liable for ALL DAMAGED PURSUANT TO 15 U.S. Code 1681n and 15 U.S. Code 1681o!
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (IN)

I was going through my Experian credi report an found multiple hard inquiries that i didnt do or authorize. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 I did not do any of these nor do i know who did.. I need some help getting this removed from my credit report
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

I am writing to formally dispute the inclusion of certain accounts on my credit report, which I believe to be inaccurately reported. The accounts in question belong to CKS Prime Investment, XXXX XXXX XXXX XXXX and XXXX, and despite my repeated attempts to resolve this matter with XXXX, the accounts remain on my credit report without any validation or proof of ownership. I disputed these accounts XX/XX/XXXX the closed them but will not remove from my credit report. 

The first account I wish to address is with CKS Prime Investment. According to my credit report, there are two accounts associated with CKS Prime Investment. The first account was opened on XX/XX/XXXX, with an alleged amount of {$770.00}. The second account was opened on XX/XX/XXXX, with an alleged amount of {$500.00} and XXXX XXXX XXXX XXXX with an alleged amount of XXXX. However, I have no record or recollection of opening these accounts with CKS Prime Investment. Despite my requests, XXXX or XXXX has failed to provide any evidence or documentation validating the existence of these accounts in my name. 

Furthermore, there is an additional account attributed to XXXX on my credit report and indicating an amount of {$420.00}, allegedly opened on XX/XX/XXXX, also company XXXX XXXX XXXX XXXX for the alleged amount of XXXX. Once again, I have no knowledge of opening such an account with XXXX XXXX XXXX XXXX XXXX XXXX nor have I received any correspondence or documentation regarding this matter. 

I have diligently sought resolution by contacting XXXX multiple times to provide proof of ownership for these accounts, yet they have failed to comply with my requests. It is deeply concerning that such accounts continue to negatively impact my credit score without proper verification. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Therefore, I kindly request your assistance in investigating these disputed accounts and facilitating their removal from my credit report if they can not be validated with proper documentation. 

Enclosed with this letter are copies of my credit report highlighting the disputed accounts for your reference. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please feel free to contact me at XXXX or via email at XXXX should you require any further information or clarification. 

Thank you for your cooperation and assistance. 
XXXX XXXX XXXX
Consumer complaint received 2021-08-23
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: I.C. System, Inc. (PA)

I was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not me!!!
Consumer complaint received 2022-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid for two services that were misadvertised to me and when I contacted the bank they gave me provisional credit. Now they are taking it back and claiming I was incorrect to file the chargeback since I can not provide enough evidence. I am not a detective, my money is going to be stolen from me by the bank for a service XXXX wont be using which is ridiculous. So Im paying {$800.00} for yearly services I wont be using.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IA)

On XXXX XXXX at XXXX we got a call from XXXX XXXX XXXX claiming that a fraudulent charge had been made on our Amazon Store Card. We were instructed to go to XXXX XXXX to reverse the fraudulent claim. We were to type in the address bar trackmyorder.us. I said no, I'd just call the number on the back of my card. They said no this was the only way to stop the fraudulent charge because it was now pending. When we did what he said our virus product marked it as a dangerous page. I hung up and called Amazon card services and I had no such charge on my card. It was a scam. I think they wanted my card number
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

I tried to apply for the hardship program with Chase United Mileage Plus Visa on XX/XX/2020 since I just lost my job during the virus epidemic. I first spoke to a gentleman in Accounts Management, and was applying when I was cut-off. I failed to get his name and ID number, and I found this strange since the cell bars on my mobile was functioning. 

I called back, and spoke to XXXX ( ID : XXXX ) in Account Management, and explained my situation. I overheard her talking to the gentleman that I spoke to previously, and he was giving her coaching tips when she said - without getting my information on expenses and etc., - that I did not qualify for the hardship program, and that I should contact a 3rd-party credit counseling agency. 

I asked if the 3rd party credit counseling agency was associated with Chase, and she said no. I then asked why would I deal with another company, when my debt is with the company I was calling on at the present. She offered to transfer me to her supervisor. Her name and ID number is : XXXX ID number : XXXX. 

XXXX said I could not apply to the hardship program since I didn't know what my income would be going forward. I told her how could I have an idea when I was just laid off? My debt with the company is about {$34000.00}. I said that I needed to be on a payment plan or liquidation plan and would look for temporary work to make the payment to pay my debt with Chase. 

XXXX was not helpful, and would not allow me to apply for the hardship program since I just lost my job. Yet, I am willing to pay a monthly amount to decrease the debt. 

I can only think that Chase is doing this on purpose to keep the interest rate high. What company declines a person willing to negotiate and pay his debt?
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a billing statement from Bank of America on my XXXX Credit card with payment due on XX/XX/2021. It had a late fee of {$25.00} plus an interest charge of XXXX for a total of XXXX. 

On XX/XX/2021. I called up the company and asked them to remove the fee since I didn't get the prior bill in the mail. The USPS has been having problem delivering all of my mail. 

Bank of America said that it would not eliminate the fee ( even though I have ALWAYS paid my balance in full and on time while I have had this card ). They said that they didn't receive a notice from USPS that the mail was undeliverable. I told them I can not speak for the USPS but that I didn't get the bill, so I would I know to pay it or to advise them that I hadn't received it. 

The representative at Bank of America contacted her supervisor on my request to eliminate the fee. That supervisor declined. I told them this was unfair and unreasonable. I told them that I have always paid in full and on time, and they still did not eliminate it. 

I requested a closure of my account. I would like a refund of this fee. 

I found that Bank of America has been unfair and unreasonable during this period of Covid 19 when mail delivery has not always worked. I told Bank of America this and I told them that I would be reporting this your office and the consumer protection office or AG 's office ( whichever is relevant ) in the State of Florida. 

Please advise what other information you need from me, and how I can obtain this refund. 

I asked them three times to remove this fee and they went two additional supervisors to try and remove the fee. They all declined. 

Please advise.