davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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: SYNCHRONY FINANCIAL (IN)

XX/XX/2023 - I was alerted via email through my chase account of XXXX credit applications under my name. Within XXXX hours of these email notification I reported both as fraud as it was not my doing. 

I filed XXXX police reports due to the businesses involved with the fraudulent activity. The case numbers are both listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX Both banks automatically denied the application so that no credit cards were dispersed to the offender, however, the credit application pull and process had already begun, causing my credit to be hit with XXXX hard inquiries on the same day within a short amount of time. XXXX was through XXXX XXXX via XXXX and XXXX XXXX. This credit pull was already removed from my account within XXXX hours of me reaching out. Ive been dealing with the second credit pull, tied to Synchrony Bank via, XXXX, involving a Dicks Sporting Goods store.

Can you please look into the still existing hard inquiry from XX/XX/2023, with synchrony bank and dicks sporting goods and have it removed from my credit report.

Thank you so much in advance!
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied for a walmart capital one card. I was approved. I spent {$50.00} on the card and then capital one blocked the card and asked me to send documents. Which i did. They gave me a hard time saying they couldnt accept the proof of electricity from the electric company or the bill because i had just switched from prepaid to post paid and my bill said disconnection. I explained that was why i sent the proof letter as well. They told me to resend my docs. I did. They sent me a letter saying they couldnt verify me so they closed the account for fraud. Im receiving bills and late fees for an account they closed due to them not believing my identity. Why am i being held responsible? I called and ask why am i responsible if they said the account was opened fraudulently. I was told they didnt have an answer
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (NY)

BMO Harris advertises that " Open a BMO Harris checking account ( BMO Harris Select Checking and BMO Harris Portfolio Checking ) and receive a bonus of {$200.00} when you set up a qualifying recurring direct deposit of at least {$300.00}. '' I have completed the requirement many months ago and they have refused to pay the bonus. The reason was " Your account had only XXXX direct deposit of a Social Security payment ; it was not recurring. All other credits to your account were internet transfers from XXXX. '' I apologize for having thought that recurring deposits from my military account would qualify. I kindly ask if you could please honor the bonus as a one time courtesy. 

Thank you so much,
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (MO)

I asked for information about my account showing several debit cards that were issued on the account. U.S. Bank claims they can not tell me who 's names were on the cards with a joint account between my wife and I. I had XXXX she had XXXX. 

why so many and were they in my name or hers?
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

My husband name : XXXX XXXX My Name : XXXX XXXX Complaints to citiGold/fraud department at Citibank. 

We have had our citigold account for many years. In XX/XX/year>, someone stole our money about {$15000.00}. We reported it to the fraud department, and called citigold, and went to XXXX different local branches. We spent hours and hours on the phone with different agents from citigold, fraud department etc. 

After XXXX  days of investigation, we received the bank statement stating we owed citigold {$15000.00}. We are promised to be reimbursed yet nothing has been done. 

It is very easy to identify the fraud on the account in the XX/XX/year>XXXX XXXX  statement : Many {$400.00} withdrew XXXX after another. 
Many {$500.00} withdrew on after another. 
{$5000.00} XXXX withdrew. 
{$200.00} withdrew It does not seem Citibank has any intentions to reimburse the stolen money. There are a lot of articles online stated citibank refuses to reimburse clients with stolen money. XXXX article states that Attorney General sues Citibank for the same reason on XX/XX/XXXX, XXXX article is here : https : //ag.ny.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We need your help to get our stolen money back. Please advise.
Consumer complaint received 2015-12-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (KY)

I underwent a XXXX XX/XX/2014 at XXXX XXXX XXXX Hospital, XXXX, KY, the XXXX of XXXX that year. The first XXXX were properly billed and paid by my Medicaid insurer. In the case of the XXXX XXXX, the hospital attempted to bill the wrong insurance carrier, then failed to recognize the error for more than a year. Now, XXXX XXXX 's has turned the bill over to Central Financial Control for collection. It is illegal for a hospital to send a collection agency after a Medicaid recipient. Under Kentucky law, balance billing is prohibited for Medicaid recipients not in an XXXX.
Consumer complaint received 2024-01-19
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)

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. 

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 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 an 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 2017-04-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   XXXX   XXXX   I arrived at the Chase Branch located at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  NY  XXXX  to Withdraw a  XXXX  dollars from my  XXXX  checking account. I proceeded to make my withdraw at  XXXX , and the ATM registered my withdrawal of a {$100.00} dollars plus {$3.00} charge but it did not dispersed my cash. I then went inside and tried one of the atm and I withdrew the {$100.00} at  XXXX . This time the atm dispersed my cash. However now I am missing {$100.00} dollars from my  XXXX  checking account. My  XXXX  statement shows the withdrawal of {$100.00} twice which is not accurate. Please help me with this issue that is very important to me. I am very disappointed with the service that Chase provides to the public. That 's the reason I am filing this complaint. Thanks very much for your assistance.  XXXX   XXXX .
Consumer complaint received 2015-04-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RESMAC, INC. (SC)

Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear SPS If you would assist me with documents I would greatly appreciate I have requested multiple times by phone and email Assignment of Mortgage New title Policy as of 2014 to show SPS as Beneficiary current preliminary title report shows XXXX Provide Beneficiary information not investor Explain why SPS is not on Preliminary title Provide who should be on preliminary title Explain and provide authority documents to move forward with foreclosure from prior to NOD, 2014 to current date Provide a copy of NOD and confirm debt on NOD if debt matches servicing of mortgage amount when transferred in 2014 not including escrow advance
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The consumer reporting agency Equifax is in violation of 15USC 1681i ( 5 ) for knowingly reporting data that has been proven to be inaccurate, incomplete and unverifiable data on my consumer report. I was not notified with the description of their investigation results as per 15USC 1681i ( 7 ) into such inaccurate data listed in my notice sent ( attached to this complaint ) to Equifax that must be removed due to violations of 15USC 1681 ( B ) - 15USC 6802 ( B ) - 15USC 1681 ( 2 ) ( a ) ( i ) - 15USC 1692 ( g ) and 15USC1681i ( B ). The nature of my dispute demands removal of all the inaccurate data listed in my notice.
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (TX)

Banks are free to over-charge consumers with astronomical overdraft fees for transactions, particularly when a consumer makes an HONEST effort to make deposits the same day or XXXX3 days prior to cover insufficient funds. 
The FDIC Truth in Lending, Congress or the President of the United States should regulate the overdraft fee. 
America 's big XXXX banks made over {$5.00} billion last year from overdraft fees alone. 
The result is that JPMorgan took in {$1.00} XXXX from customer overdrafts. Bank of America and XXXX XXXX took in {$1.00} XXXX each. 
The CFPB ( Consumer Finance Protection Bureau should consider implementing additional rules on overdrafts. 
Fees on the " regular XXXX '' bank account made up about 4 % of operating revenues for America 's biggest banks last year, according to XXXX XXXX. 
Overdraft fees, which represent approximately 60 % of the fees charged by banks. Only 10 % of the population pays 75 % of the fees, and they tend to be the most economically vulnerable, including our troops, consumers who are between jobs and making effort to cover transactions, and consumers who travel on the road frequently. 
According to data collected by the Federal Deposit Insurance Corporation, overdraft fees collected by big banks are up 6 % from a year ago, the XXXX reports. 
" Over the years, overdraft programs have become a significant source of industry revenues, and a significant reason why many consumers incur negative balances, '' CFPB Director XXXX XXXX said in XXXX. " Too many problems with overdrafts can cause people to give up on the banking system or force them out of it altogether. '' Losing that much money to fees can make it difficult to pay necessary bills and make loan payments, which can end up damaging a person 's credit standing.
Consumer complaint received 2024-01-21
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. (WA)

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX Equfax and XXXX have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''
Consumer complaint received 2024-01-20
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. (PA)

In my previous complaint, I omitted details about the damages caused by Equifax. Last year, I submitted disputes regarding a student loan from XXXX. The issue was resolved, and it was pass the required stipulation assigned for removal from my report in XX/XX/XXXX. However, Equifax updated all of my information, misleadingly making it appear as if this was merely a credit history report. This recurring practice with Equifax, where they fail to conduct proper investigations, resulted in all of my accounts being updated and marked as resolved. Despite filing complaints and submitting paperwork, the updates persist. I recently discovered that my information has been compromised due to fraudulent activities on my accounts.
Consumer complaint received 2024-01-19
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-08-25
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (AZ)

I made a purchase through XXXX and used paypal as the financing source since they were offering a special promotional offer, that required a specific dollar amount to secure the special financing offer. In order to meet the requirements there were a few items from different sellers. However upon looking on my checking account this morning, Paypal transfered XXXX of the sellers invoices to a " back-up '' funding source. Thus disqualifying me from the promotional offer and then erroneously debiting my checking account, without my permission. This is a gross display of negligence and bait and switch. They never ever notified me that they would be utilizing the back-up source or that the order would no longer qualify for the promotional offer. I attempted to call Paypal and they told me there was nothing they could do as it was already in process, thus leaving me without the funds in my checking account and subject to potential overdraft fee. What I would like to happen is what I told them on the phone. Reverse the charge to my debit card and place all the transactions under the 12 months promotion like I had agree'ed to at time of purchaser, or them eat the {$100.00} charge and credit my debit card.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (FL)

I paid off my mortgage to Mr Cooper on XX/XX/XXXX. They than took additional monthly payment from me on XX/XX/XXXX. I contacted them and they said it would be 30 days to refund my money which is not fair. The loan was a mortgage # XXXX XXXX XXXX. Those funds never should have been taken from me as I do not owe them anything and turned off autopay upon paying off the loan. Thrity days is way too long to pay me back.
Consumer complaint received 2024-01-19
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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: ACIMA CREDIT, LLC (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights.

15 U.S.C 1681 Section 602 A. I have the rights 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
Consumer complaint received 2021-08-06
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. (CA)

I submitted a complaint to this company regarding a separate issue and now for some reason after i submitted the dispute against XXXX XXXX XXXX now you guys and Experian started mixing and blending my uncles name and mine. My name is XXXX XXXX XXXX my uncle is XXXX XXXX as you can see two very different names but now because of the complaint I filed they are now messing my name up with someone elses.. Why??
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

I was recently charged an overdraft fee on my BBVA Compass account of XXXX, but no where on my bank online did it show that I went negative. If the bank is going to charge an overdraft fee, then there should be transparency and the bank should, at the very least, show me where I went negative. Instead, my balance never reaches a negative balance on my bank online. I feel that the method of accounting that this bank is using is meant to take advantage of consumers because people are being overcharged non-sufficient funds when their accounts never reach a negative balance on their bank online. If the banks are going to be charging overdraft fees, then they should, at the very least, show you why they charged you a fee.
Consumer complaint received 2015-06-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc. (TX)

This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after they have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but both companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am, the responsible party for this debt. When they fail to provide such information, I request this false collection account be IMMEDIATELY DELETED from my credit file until such document can be provided bearing my signature.