davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (FL)

XXXX XXXX XXXX, when I was originally living at XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX, I received a Delivery Service Invoice from XXXX. Someone in New Jersey sent a package to an address I have no affiliation with or have done business with. I tried to dispute the charge via online when I had an online account with XXXX, and they rejected my claim. I called the XXXX Fraud Team via phone, and I was given the assurance I will no longer see another invoice. I canceled my XXXX online account, I listed my reason why, and it is confirmed my online account from XXXX  is canceled. 

XXXX XXXX XXXX, I receive MORE INVOICES to the XXXX address from XXXX  in the mail and then two notices from their collector Synter. The total went from {$3.00} to almost {$90.00} because I refused to pay the invoice. On XX/XX/2024, I call XXXX  ' Accounts Receivable Team and Synter regarding the situation and had the debt canceled. I even told the XXXX  Accounts Receivable Team and I quote, " If I receive another XXXX  invoice to a package I did not send, I will report this to the CFPB. '' XX/XX/XXXX, XXXX XXXX, 2024 : I receive ANOTHER INOVICE in the mail at the XXXX address from XXXX, this time to an address in XXXX, TX sent from California ( Here 's where the package was sent to : XXXX XXXX XXXX  ). Tried to contact XXXX Fraud Team, and it's even more difficult to report the issue and now I get a notification telling me they will contact me within a day. Sent complaint to CFPB.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email from Bank of America indicating that I had incurred a number of charges and that payment was due in 3 weeks. I contacted BOA ( XX/XX/20 ) and they reassured me that I would not be responsible for the charges. I have the card in my possession and the charges have been reversed. 

They claim to have mailed a new card to me in XXXX which I never received. I asked how could the card have been used when I never activated the card. They could not reply with an answer. 

This resulted in a lowering of my FICO score. I have tried 3 or 4 times to close the account to no avail. For some reason they refuse to do so. 

As you know, crime has increased significantly during the pandemic. For this reason, I felt it best to close a number of my credit cards. 

Please help.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-01
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: EQUIFAX, INC. (DE)

Over the past 1.5 years, I've tried numerous times ot get my free annual credit report on XXXX. I can pull XXXX and XXXX, but for some reason EFX continues to populate the Auth Interview, I take it and pass, and I'm greeted with a message that reads, " Online Delivery Unavailable '' and tells me I have to write into EFX.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

On XX/XX/2019 Santander allowed an erroneous and unauthorized charge of {$270.00} to my checking account through my debit card. I learned of this after this unauthorized charge caused a series of small items that I knew about to have non-sufficient funds resulting in a cascading effect of charges. This is the detail on the erroneous charge : Date : XX/XX/2019 Amount : - {$270.00} Type : Posted products_Acc_mail_description : XXXX XXXX XXXX /GA US CARD PURCHASE I immediately cancelled my debit card and have been playing phone tag with Santander for five days now trying to get them to fix this problem.
Consumer complaint received 2020-05-22
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: HEARTLAND PAYMENT SYSTEMS INC (CA)

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Campus Partners, XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. 
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Bank of America mortgage. I have already filed an existing complaint about them due to a double payment being taken from our account two times! 

Today I spoke to a customer representative who could clearly see the overpayment made, this time though, I was asked to submit copies of our BANK STATEMENT by Fax to PROVE too much was deducted from our account. 
I contacted Corporate on XXXX XXXX 2020 XXXX XXXX, who advised me by email that they were in the process of reversing the overpayment. 
That wasnt done. 

Now I have to find a fax machine, and send them personal information in the hope our details get to the right person. I have no way of getting an acknowledgement that it has arrived and they are dealing with it. 

I am shocked to have to do this but then again, its Bank of America.
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (PA)

Went onto XXXX XXXX and noticed an account that was not mine and addresses that don't belong to me. I have tried to dispute this numerous times because it is not my debt to collect. This collector started from speedy cash and as you can see I live in Pennsylvania and speedy cash is not offered in my state.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account name : XXXX XXXX - XXXX Account name : XXXX - XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

An charge of {$450.00} was posted to my Chase account on XX/XX/21 for an XXXX. I reached out to Chase to investigate as we do NOT have an XXXX account and have never used their services. Chase issued a temporary credit. Months later, the charge reappeared and I was told that I should have made the complaint with a different Chase department. I followed their lead and opened a new fraud complaint. 

A new credit card number was issued and a new investigation opened by CHASE. 
I reached out to Chase again after they concluded the charge was valid. I called XXXX ( as they reservation number is clearly printed on my credit statement. ). The reservation is under someone else 's name. 

We don't have an XXXX account and XXXX told me chase had not investigated with my card number. Chase sent a letter indicating they will not investigate. Our card is in excellent standing and they are not helping at all! 

We need your help! Please.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

Since XX/XX/2020 I have been trying to dispute and get late payments from my XXXX XXXX student loan. They reported wrong and inaccurate information on my student loan that have been closed and transferred. I want this information to be investigated and removed since the account have been closed and transferred to XXXX. The account is closed and have been transferred but it still showing on my credit report. I have wrote several letters to help me remove it but get denied
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid 700. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHSTATE CORPORATION (FL)

I applied to co-sign for my daughter, XXXX XXXX, for a refinancing her house loan, not a loan for myself. As part of that application process, I provided extensive personal confidential financial records ( PCFR ) to the mortgage bank. The application was almost complete, the bank asked for a document ( divorce decree from 1980 XXXX which I do not have, thus could not provide to the bank and the bank would not complete my application. I then told the bank to cancel/withdraw my application, since it could not go forward to completion. I also asked the bank to delete all of my PCFR I sent to it, since the application was withdrawn, they would be providing no services to me and I did not want their bank retaining any of my PCFR. The bank refused to honor my request, citing Section 1002.12 para 12 ( b ) ( 3 ), Withdrawn Application. I provided my PCFR in good faith. The bank is not acting in good faith in not honoring my request to delete my PCFR, i.e., the bank will not proceed with my application for an issue which is out of my control ( I can not provide a 40+ year old document I do not have ) ; the bank, thus, has not and will not provide any service to me and it will not be providing me with any funds. There is no reason why the bank should be allowed to retain my PCFR in its database. With all the hacking and violation of cyber security occurring to many businesses currently, it places my PCFR at unnecessary risk and I want them deleted from the bank 's database. That's all I am asking for. To get this done, you can contact XXXX XXXX, Account XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, GA XXXX ; email : XXXX, tel. no. XXXX.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I sent out a letter with the accounts I fount error with about a month ago on XX/XX/21 and haven heard anything back. Im trying get my life together but they keep holding me back and they need to be stopped.
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (FL)

Greetings ; I sent 5 rounds of letters to the credit bureaus such as XXXX, XXXX and Experian but they dont ' investigate about my problem beacuse I have not recieve any letters of them.
Consumer complaint received 2020-10-22
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. (FL)

Greetings ; I sent 5 rounds of letters to the credit bureaus such as Equifax, XXXX  and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I went to Chase Bank on XX/XX/2022 at or around XXXX. I entered the main lobby area and walked toward the teller station. I was confronted by a Chase employee who asked what I wanted. He purposely positioned himself to block me from the teller station. I told him that I would like to pay an overdraft fee. He told me that I could not. He did not even offer me an opportunity to wait to be helped. I then was confronted by a second Chase branch employee. He said his name is XXXX. He said that I could not be helped. He never offered me the opportunity to wait for help. He never offered anything remotely close to appropriate, reasonably expected basic customer service ; neither of them did. I believe they discriminated against me on the basis of race and prejudice. This was the second time I have been denied service at this bank. I went to the bank about XXXX months earlier and was also denied service. 

The bank branch where this occurred is located at XXXX XXXX XXXX, XXXX, IL.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc. (TX)

I am trying to resolve an issue with the following debt collection agency " TAM/SPEARS DEWITT HALL '' regarding a debt reported on my credit report that I believe does NOT belong to me. I have asked numerous times through certified, return receipt letters to them to please send me copies of original documents. So that I, may in fact confirm if the debt is mine or not. I didn't get a response or the proof I asked for from them. All I received was a letter from XXXX  stating they have verified the debt, but NO PROOF was sent to me as requested. My first letter to XXXX  and " TAM/SPEARS DEWITT HALL '' was in XXXX. I also, tried to call directly the original creditor " XXXX XXXX '' and was told I had to deal directly with the collection agency. I'm at a lost and don't feel like either one is able to give me answers or provide me with the PROOF I have requested and should be entitled to by law. Please help me, I do not know what else to do or how to resolve this issue. In total, I have sent three letters to them in my efforts to resolve this matter. 
XXXX  FILE # XXXX
Consumer complaint received 2017-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened an chase liquid account XXXX years ago and established good banking history up to date and I decided to open a chase premier plus checking on XXXX XXXX and I noticed XXXX days later I couldnt access my funds in my account due to my account being frozen for no apparent reason I called chase numerous times after the incident and was told that I could maintain the chase liquid and was transferred over to another dept and was told that the account couldnt be maintained so I called again and told me that my online access was restored the information with chase had been very inconsistent and untruthful but for no reason my premier plus account was closing for no reason so I talked to XXXX in the XXXX offices and promised that she will submit the information over the business back office to see if the decision can be overturned I explained to chase that I will want to maintain my relationship with my accounts and was told that the chase liquid will remain open and they closed my accounts
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a letter from Trans Union responding to my request on XX/XX/2023 to correct inaccurate and incomplete information on my credit report stating that they would not process my disputes because they didn't think they were from me. I have been trying for months to get the inaccurate, incomplete, and unverifiable information on my credit report corrected and Trans Union either don't respond at all or, within the 30 days which is what the CFPB website states is the length of time they have to legally respond, according to the Fair Credit Reporting Act. When they finally respond over 60 DAYS LATER it's a XXXX  letter stating that the dispute, they received wasn't from me or authorized by me and they're are basically accusing me of working with a credit repair company which I AM NOT! 

What I don't understand is why Trans Union is allowed to not comply with the Federal Laws that were put in place to protect consumers like me? I thought the CFPB was supposed to hold these credit reporting agencies in compliance and stop them from violating consumer rights and the Federal Law. How is Trans Union allowed to circumvent the 30-day response time outlined in the Fair Credit Reporting Act? The FCRA says if they don't respond in 30 days, they must delete the information I am disputing! How is Trans Union allowed to break the Federal Law and violate the rights of consumers? The Law is written, the FCRA states if they do not respond within 30 days then the accounts I'm disputing must be deleted! How are Trans Union and the other credit reporting agencies allowed to get away with this? How is Trans Union allowed to send a letter, which I believe is nothing more than a stall tactic, for them to not investigate my disputes at all? 

It's obvious by this letter they sent, that they don't want to comply with the law, and this is when we need the CFPB to protect consumer rights against these credit reporting agencies who seemingly have no oversight and are allowed to violate the Federal Law freely with absolutely zero consequences.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I am repeatedly getting phone calls over seven times per week. I am getting calls early in the morning and late in the evening. Recently they started calling my place of employment and I asked them to stop. They do not stop. It is relentless perpetual harassment.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

American Honda Finance ( aka Acura Financial Services ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per Acura, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of Acuras customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.