davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

I am from XXXX. I have savings account in J P Morgan Chase Bank, Ohio US. I stayed US for 6 Years. On XXXX  XXXX end my XXXX XXXX expired and I returned back to XXXX. Now I am unable to operate or close my savings account from XXXX. My phone number given in Bank has changed. I am using phone number in XXXX instead of US phone number given in bank. When I am calling Chase customer support they are asking me to come US and visit branch for closing or operating my savings account. I can not come to US I dont have XXXX  now. Before returning US I checked with chase customer support, they confirmed me that I can operate or close my savings account from XXXX. Now I am stuck I can not operate or close my Chase savings account from XXXX.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I am extremely UPSET with this company. I have sent a dispute when this first came on my credit report on XX/XX/XXXX. XX/XX/XXXX, I submitted all my information and documentation to XXXX, XXXX, and XXXX XXXX. This was rectified and removed from my credit report in XX/XX/XXXX on XXXX  but not on the other 2. I submitted a dispute recently in XX/XX/XXXX ( in writing ) to the creditor Kia Motor Finance asking them to also remove the information reported INACCURATELY to XXXX  and XXXX XXXX. They have now put that information BACK on XXXX  as of Today XX/XX/XXXX, and my score has now dropped by 70 points!!! This is COMPLETELY UNACCEPTABLE!!!!! I am closing on my home in 3 days and I need this FIXED ASAP!!!! As you can see from the attached documents, XXXX and XXXX Bills were not updated no matter how many times I called and the insurance company called for that to be done. The bill was not revised until XX/XX/XXXX and I didn't receive that revised Bill until XX/XX/XXXX when I called in to have it emailed to me!!! Which then was paid within minutes from the insurance company and myself!!!
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXX acct # 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.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, by phone I reported my card as lost/stolen to USBank Reliacard, and XXXX and was told by USBank that they would deactivate the card and send me a replacement. They sent the replacement card, but did not deactivate the account. Instead, whoever stole the card was able to contact USBank and change the phone number and pin. The thief was then able to drain our account over {$4100.00} using various ATMs. They did this from XX/XX/XXXX to XX/XX/XXXX. We submitted a fraud/dispute of charges on XX/XX/XXXX. On XX/XX/XXXX we received a notice of denial of our dispute. When we called in to find out the reason for the denial, we were then told that the denial we had was not for our card -- and was for a claim for over {$11000.00}. XXXX from USBank told us that the denial had the wrong card number on it and we should disregard the denial. I called again on XXXX, and XXXX told me that they were still reviewing/investigating but no denial had been issued and it would be approximately 45 days before a decision would be made. Then, I called today ( XXXX ) and was told that they had again denied our claim on XX/XX/XXXX BEFORE we spoke with XXXX. 

On XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX I requested they send me the document used to determine the denial of my claim. I STILL do not have any documents although I have been assured they were mailed on each of those occasions. On each of those occasions I have been told our claim is for {$11000.00} when our claim is for approximately {$4200.00}. When I ask if I can speak with the Prepaid Dispute Resolution people who are denying my claim, I am told that no one can talk to them or call them. One can only fax them which I have done repeatedly and received NO RESPONSE. 

USBank also allowed the thief to change the phone number and pin associated with my card. When I called in on XX/XX/XXXX to find out the status of my card, my cell phone number was no longer associated with the card, and my pin no longer worked. I did not make those changes to my profile, so the thief must have done it with USBanks help and cooperation. 

As a consumer, I followed all directions and reported the card lost/stolen immediately upon discovering that the card was missing. I requested USBank to deactivate the card on XX/XX/XXXX. Apparently that did not happen. Instead, USBank changed the phone number on my card as well as the pin thus allowing the thief to abscond with my money. As a direct result of USBanks negligence, I have had over {$4200.00} stolen from me. 

I have been hounding USBank to help me with this situation. I am met with being told that there is nothing USBank can do. Only the Prepaid Dispute Resolution department can help me but there is no effective way to reach that department. I am frustrated beyond belief.
Consumer complaint received 2022-07-29
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXX acct # 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.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (CA)

On XX/XX/XXXX I received a letter from AllianceOne dated XX/XX/XXXX. The letter stated that I have a XXXXXXXX  Card from XXXX Bank XXXX and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. 

When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. 

I called both AllianceOne and XXXX  to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. XXXX informed me that I would need to contact AllianceOne about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to AllianceOne. 

I was told by AllianceOne that they are unable to do anything and I needed to talk to XXXX. Here are specifics from the conversation with XXXX : ( XXXX ) they received the information from Target on XX/XX/XXXX, ( XXXX ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXXllianceOne, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from AllianceOne prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX XXXX, I have a checking and savings account with Wells Fargo bank. For the pass several months my checking accounts has been hacked by someone living in the state of California. That person was using XXXX to pay bills. The amount came up to the total of {$200.00}. I filed a claim with the bank so that my money will be returned. The agent that works for Wells Fargo also told me that the account was hacked. The bank gave me a provisional credit for the claim in the amount of {$200.00} while they did the investigation into my checking account. On XX/XX/2022, I received a letter from Wells Fargo bank stating the following : We completed our research into the transaction and found they were authorized or that a processing error did not occur. As a result, on XX/XX/2022, we will deduct the provisional credit of {$200.00} provided to me on XX/XX/2022. The bank knows and saw that my account was hacked from someone in the state of California using XXXX. They asked me if I left my debit card with anyone or gave my account information to anyone. My answer to them was no I did not give my account information to anyone. I live in the state of Florida in the city of XXXX, how could the bank authorized anything coming from California.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX has violated my rights. 

XXXX 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
Consumer complaint received 2022-03-24
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. (PA)

In accordance with Fair Credit Reporting act convergent accounts : XXXX 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 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
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (CA)

Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am A Victim of identity theft and did not make the change. At this time I need the items be deleted to correct my credit report. I have also reported the theft of my identity to the federal trades commission and have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the following information as soon as possible.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (FL)

hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc. (TX)

My daughter forgot to return her cable modem after she graduated college. We returned it and received confirmation of delivery on XX/XX/2022. I have continued to receive calls from Financial Accounts Service Team out of XXXX, TN. I communicated with them months ago that it had been received and gave them the tracking number. They continue to call, so i stopped answering. On XX/XX/2022, I answered the call. Typical call " this is an attempt to collect a debt '', I told her again, it was returned back in XXXX. She put her supervisor on the phone, and the supervisor acknowledged that she did not mark my account correctly from the previous calls and said she would get it corrected. Then she mentioned my credit report. After we got off the phone, i checked my credit and they put a derogatory mark on my credit pm XX/XX/2022, dropping my score by XXXX points. I WAS in the middle of a refinance with XXXX XXXX  that I no longer qualify for. The company will not take my calls any longer.
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX  iao . Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
Consumer complaint received 2022-07-29
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: LEXISNEXIS (MD)

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I applied for an Amazon Store Card which is a line of credit to be used exclusively on Amazon.com through Synchrony Bank. A few months later on XX/XX/XXXX when applying for a mortgage I was asked to explain credit inquiries made within the last XXXX days and noticed XXXX credit pulls on that date. XXXX for " SYNCB/AMAZON '' and another for " SYNCB/AMAZON XXXX ''. I only applied for a single line of credit but they had pulled my credit an additional time without authorization. After a search online I found others had similar problems with Synchrony doing similar unauthorized pulls and were unable to resolve the issue with Synchrony so I decided the best course of action was to go straight to CFPB to dispute this extra credit pull.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

On or aboutXX/XX/2018, I discovered a fraudulent charge on my XXXX XXXX  Master Card, with Synchrony Bank. I quickly notified the Fraud Dept, at the Bank. 
They cancelled my card promising to promptly open a new account, bring all charges and credits forward to this new account and issue new cards. 
In XXXX of each year, Synchrony issues a check for the past year 's Rewards. 
My last statement on the closed account listed the 2018 Rewards as {$650.00}. 
When the first statement of the new account came, it listed XXXX rewards balance. As of today, I have never received the new Cards nor have I received the {$650.00} Rewards funds. 
I continue to receive statements of the new account with a proper credit, [ From a returned product ], of {$170.00} Without Cards I have NO charges! 

Many calls to Synchrony have NOT resulted in any action, NO Rewards check, NO cards and NO refund of the {$170.00}. I receive promises, buy NO Action! 
Please assist me in obtaining the above funds from Synchrony Bank, XXXX, FL
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Consumer complaint received 2022-08-23
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. (TX)

These inquiries were unauthorized without consent. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Credit Karma (TX)

I'm trying to apply to credit karma and to get a credit card but it's saying my information is incorrect. The only way I can think this might happen is due to my first state ID having the incorrect birthday. I got them to fix it but it's still saying on credit karma that my information is incorrect.
Consumer complaint received 2019-03-26
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: EQUIFAX, INC. (VA)

I had a student loan that my grandfather co-signed. My XXXX and XXXX  both managed the loans. I have since completely paid of the XXXX. My grandfather passed away and when he did the account status was changed to deceased. When I purchased a home, my credit report reflected deceased on my social security number only for Equifax- XXXX  and XXXX were fine. I went through the remediation process and had confiirmation that it was corrected and I no longer reflected as deceased in XXXX. However, when i went to purchase a car and have my credit run in XX/XX/XXXX, Equifax again reflected I was deceased. I called again and had it remediated again in XX/XX/XXXX. However, it appears while applying for a credit card in XX/XX/XXXX, that my Equifax again reflectes decreased for my social security number.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

JEFFERSON CAPITAL SYSTEMS , LLC is falsely requesting that I owe them {$130.00} and has added a derogatory collections account on my credit reports. I don't know who they are and do not owe them a single dollar. I tried reaching the company but they are not willing to help and remove off the inaccurate information from my credit report. this is damaging hurting my credit score and ability to purchase a home.
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C. (OK)

During a divorce my ex wife totaled her car which was financed with XXXX XXXX the car insurance was with XXXX XXXX also, the divorce was in XXXX and XXXX in XXXX autovest sued and garnished my check stating they owned the debt in XXXX XXXX XXXX contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. XXXX separate companies trying to get money for the same debt, who owns the debt and is that not fraud?
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MA)

I have XXXX credit cards from Genesis Financial Solutions ( XXXX XXXX XXXX credit cards ) that are charging me a 34 % Annual Fee ( both charge me {$99.00} per year annual fee on a {$300.00} limit ). According to your website ( XXXX ) the limit is 25 %. I've called the company a couple of times and they refuse to move on this. They also sent me mail with the gist of it being 'you signed the terms of service, so that's final '. I've argued that what they are doing is illegal, but no avail.
Consumer complaint received 2022-03-23
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: CBC Companies, Inc. (OH)

6. I have not received any confirmation on how you verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ****