davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

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}
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX/XXXX/2016 I contacted TransUnion by phone at XXXX to dispute inaccurate information on my report. This is the phone number listed on my credit report to contact TransUnion. The representative I spoke to failed to assist me and attempted to transfer me to special handling. Again I just received the voicemail. No one from the Special Handling department has returned my call. 

I called back a second time and when I mentioned that I have questions about my file ; when they found out who I was I was immediately transferred to the Special Handling voicemail again. 

I am disputing the following information : Phone XXXX - Inaccurate phone number Name - XXXX XXXX XXXX - Inaccurate name XXXX XXXX XXXX - Missing balance, payment information and account status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Not my account XXXX XXXX - XXXX - Missing balance, payment information and account status for XXXX - XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missing balance and payment history
Consumer complaint received 2023-11-21
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. (OH)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$15000.00}.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed :
Consumer complaint received 2023-11-20
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. (FL)

I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (CA)

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, 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 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX I called Chime letting them know my phone was stolen that had my account info. They updated my new cell number and gave me access to online at XXXX. At XXXX the person who had my phone called changed it all back to the phone they had. Locking me out of my account again and this time until XX/XX/XXXX. 

On XX/XX/XXXX O had to dispute {$640.00} ( Dispute number XXXX ) I reached out as well to the merchants I was disputing and received documentation from XXXX that they agreed is was fraudulent charges and refunded me. 

Chime refuses to give the credit to my account until their investigation is over. With those XXXX merchants refund o could pay Mty light bill and not be on the dark with no electric, and the rest of my rent so I don't have to be homeless. For a week i have been told I'm top priority and within XXXX hours my credit will be in account. Still I wait and now my landlord has filed eviction paperwork.
Consumer complaint received 2020-10-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (NC)

MY EX DAUGHTER IN LAW OPENED A AUTO ACCOUNT IN MY NAME AT PNC BANK WITHOUT MY PERMISSION! IVE CONTACTED PNC BANK SEVERAL TIMES AND SHOWN THEM POLICE REPORTS AND FTC REPORTS AND A COPY OF A SERVED WARRANT FOR THE CRIME AGAINST MY NAME. THE ADDRESS THEY HAD UNDER THIS ACCOUNT OPENED IN MY NAME WAS FRAUD AND THEY EVEN REMOVED THE ADDRESS AS FRAUD ADDRESS, BUT NOT THE ACCOUNT. WHEN THE ACCOUNT WAS OPENED I WAS IN XXXX XXXX XXXX IN XXXX FROM A XXXX XXXX  AND CAN BE VERIFIED WITH MY DOCTORS! SO HOW CAN I BE AT THE DEALERSHIP AND IN XXXX AT THE SAME TIME. XXXX XXXX XXXX WAS XXXX  AND XXXX  AND XXXX XXXX   OF THE XXXX  AND NOW IS XXXX  XXXX XXXX. I WANT THIS REMOVED OR I WILL FILED A LAW SUIT AGAINST PNC AND THE DEALERSHIP FOR ALLOWING THIS TO HAPPEN.
Consumer complaint received 2023-12-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (UT)

I have had an active account with XXXX XXXX for about 3 years. I have refinanced my loan a couple times during this timeframe. Until XX/XX/2023, I have not missed a payment. Since XXXX, however, I have run into financial difficulty, and have not been able to make my payments. 

In XXXX, I advised the branch of my difficulties and whether there were any hardship options. They advised they could defer my payment once, so XXXX 's payment was deferred. 

In XXXX, again spoke to the branch and asked about XXXX options. They advised about refinancing my loan, or to get a title loan. Neither of those options were doable. 

Since XXXX, I have spoken to the branch often, advising my financial situation has not changed. I would make small payments when I could, in the amounts of {$25.00} or {$50.00}. In XXXX, the branch asked that I call every XXXX to check in. I did this as they asked. 

In XXXX I began making several smaller payments, trying to reach the amount due, I also tried this in XXXX. When I spoke to the branch in XXXX, they said that the small payments really aren't doing anything, that my loan is continuing to fall behind, and at this point will probably be charged off by end of XXXX if I don't make substantial payments to catch up. I reiterated my request for a hardship option, and again was told this was not available. 

I asked for a number to the corporate office, and the branch gave me XXXX. I called the corporate office on XX/XX/2023 and provided background to my account, and my request for Hardship options. The agent I spoke with said she would pass my request to the " XXXX XXXX '', a gentleman by the name of XXXX, and I should hear from him within a couple days. I have not heard from him at all.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MD)

I checked my credit report on XX/XX/XXXX, 2017 and discovered an error by a collection company named Amsher Collections. I contacted the company and was informed XXXX XXXX placed the account with this collection company and the account was then transferred to another collection company named XXXX XXXX XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX , XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX, who was very rude and verbally abusive to me when I informed him that I never initiated an account with XXXX XXXX, nor have they ever provided cable services to me. Apparently this is a case of identity theft, but this employee was very unprofessional and refused to assist me in resolving this matter.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Tally Technologies (AL)

In according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

Yesterday XX/XX/2022 I was scammed {$350.00}. I was trying to but a ticket for a concert. I texted this person on XXXX  because they had some available. They sent me pictures and a video so I paid. I never received the ticket. I asked for a refund but never got a response. Their name is XXXX XXXX. Their XXXX  handle is XXXX XXXX
Consumer complaint received 2015-09-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NC)

I purchased a mattress for XXXX $ from XXXX and selected 2 years no interest financing. I told the financing officer to set the auto pay to pay off the mattress in 2 years. I set up an auto pay to have the mattress paid off in 2 years, so as not to be hit with any interest. I came to find out Synchrony Bank only collected the minimium payment for those 2 years, then charged my remaining balance ( XXXX $ ) with over XXXX $ of interest charges. The loan was then charged a monthly 29 % interest rate and I owe XXXX on the mattress today. My explicit instructions to the finance officer at the mattress store was to set my auto pay to be complete in 2 years, and I was not aware of a possible 29 % interest rate, as well as being charged for back interest. 

At no point was I contacted by the company, I never received a loan document, nor was I called or emailed. I have moved, but submit address change documents with the post office.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act the following accountings [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i. The item of information below that you maintain in a consumer file about me and report is inaccurate and/or incomplete and I request that you promptly delete the late payments from the file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees. See 15 U.S.C. 1681n-o
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Dear Madams and Sirs, I have filed a complaint, Ref. No. XXXX, at your office about the cash deposit missing at The Chase in my checking account. I just got a denied claim from Chase due to the Branch I had the problem was closed that The are no longer able to review the video tape that I have requested to show my proof of my deposit at the Chase Branch XXXX. 

That is not fair for my because at the very early I had done ask the review of the video but the Manager of the Bank Branch did not do that. I knew that a problem That I sent the certified mails to The Manager of the Chase Branch XXXX and Manager of Dispute Department of Chase Bank on XX/XX/2017 to file complaints about my missing cash deposit. I got a letter from Executive Office, XXXX XXXX XXXX, XXXX, OH XXXX that they are in the process of investigating my concerns. 
After waiting for a while, I have not seen anything helpful even stopping by the local Chase bank. I filed a complaint at your office to ask for your help. Then The Chase contacted me again and sent me a denied letter due to the Branch I had problem was closing. 

That is not my fault. I did ask them very early, XX/XX/2017 about the review of the video tape. They did not do. Now, They said they are unable to help me due to branch closing. I would like to ask for your help about this complaint. I am sending documents that support my claims and would like to ask for your review and help. 

Thank you very much for your reconsideration and help. 

Respectfully yours, XXXX XXXX XXXX. No XXXX
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (IL)

I applied for a credit card from First XXXX on the XXXX of XX/XX/XXXX but was not forewarned of the fees involved, nor their terms. I did read the fine print but there were no red flags or forewarnings. It was a secured card but I was not told what my credit limit would be until after they charged me. My credit limit was about half ( XXXX dollar limit on a secured card ) of what I would be paying to start the card plus exorbitant monthly fees and penalties. Upon discovering this I decided not to proceed and declined the offer only to discover they had already charged me for the card. When I called to resolve it they kept telling me to call back the next day. When I finally called today ( XX/XX/XXXX ) the representative refused to give me any information on a refund, saying they couldnt do that. I asked to speak to a supervisor hoping they would be more helpful/knowledgeable. I was wrong he was worse saying that it was handled by another department. When I asked for an email or phone number ( everything up to this point had been handled digitally or on the phone ) he said that department didnt have a direct phone number or email. When I asked to be transferred then he said they didnt transfer calls. I could only reach them by fax and I have absolutely no access to a fax. No one I know does. Nor was I informed of what information I needed to send or the fax number ( if it had ever been possible ) before he hung up on me. So now I have a remaining charge on my account for a service never rendered and no way to get my money back. Terrible service and scam company if you read reviews on XXXX They have multiple card companies under different names. Theyve also charged many others without warning or reason and made making payments impossible for them while collecting interest and late fees even when the person never received their card. 

Alternate names involved : XXXX XXXX XXXX XXXX XXXX XXXX. 
First XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, Operations Manager Contact Information Customer Contact XXXX XXXX XXXX, Operations Manager Headquarters : XXXX XXXX XXXX XXXX, GA XXXX XXXX Other complaints and problems documented by others as their seems to be a pattern XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

Penn Credit Corporation are attempting to extort and rob me using deceptive, misleading, and abusive practices against me personally, my family, and my household. This is criminal activity at least and unacceptable by every means. This is notice that I do not recognize the Respondent from which the Claimant has received a computer-generated account statement, and I must necessarily dispute, part, or all, of the alleged debt.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (CT)

Barclaycard does not credit XXXX online payments when they are received. For a year prior to XX/XX/2016, all my payments were credited when received. Since XX/XX/2016, Barclays has not credited the payments until days after receipt, which generates interest and late charges on top of interest and late charges. ( Please note that I always pay-off the entire balance every month. ) I have written twice, phoned 3 times, had three ( 3 ) separate email conversations with customer service and sent the required copies of Peoples payment details evidencing on time payments. Some fees were credited then reinstated. My overpayment on XX/XX/2016 is not considered by them to be an overpayment. Their latest claim is that they have never received the Peoples evidence for XX/XX/2016, yet they acknowledge they received my second XX/XX/2016 letter containing that evidence. I have over XXXX hard copy pages of documentation to prove I do n't owe them any late fees or interest but their customer service will not give me the name of a supervisor or look at the account in totality back to XX/XX/XXXX. I have a letter from Barclays stating that the matter was resolved and all fees rebated, but that is not the reality per their customer service. The credit card Customer service is impossible to deal with.