davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on the date of XX/XX/2019 there was an inquiry made on my credit report by XXXX XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received and inquiry on my credit from XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received an inquiry that I did not authorize from Capital One Bank Usa. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (PA)

Hello, I have a citibank checking account. From what the documents that I have, to avoid a monthly account fee I need to do a Direct Deposit each month, and make a bill payment. 

So each month I have two Direct Deposits from my pay checks that go out on or the working day before XXXX and the last working day of the month. Then I have a bill payment to XXXX XXXX XXXX through there bill payment portal each month around the XXXX. Even when I complete there requirements, they charge me a XXXX dollar fee each month even when this happens. I then have to call customer service for 20-30 mins, and they will refund me the money but it keep happening costing me my time. I don't like this practice, and I wonder how many other people they are doing this to. And some months I didn't call, they can't " go back '' in time to refund me. I am being defrauded from them, as they are breaking there contract with me.
Consumer complaint received 2024-03-08
Product: Credit 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: DISCOVER BANK (TX)

I have been a member of Discover Card for over a decade and never had a problem. I was alerted to potential fraud activity on my credit card and attempted to log into my online account but could not gain access. I have patiently waited and worked with Discover card to gain access to my online account or some sort of account statement for almost two years. I also continued to make my minimum payment in good faith that Discover would figure out the issues with my account and get me the access I needed. It has been almost two years and I have yet to gain online access and have not received one statement in the mail. My last attempt to gain access of my account or statements was in XXXX of 2023 at which time I asked them to please send me a two-year statement of account by certified mail and I would pay for it. I have yet to receive these statements. FCBA states I have certain rights however how can I properly dispute or go over my transactions if I am refused access to these charges? I do not have the information needed to file a police report or to accurately detail potential fraud. What is one to do?
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-06-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX XXXX {$110000.00} XXXX XXXX
Consumer complaint received 2024-03-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

i was given the {$100.00} prepaid Visa Card by XXXX card as a gift last year. I have tried to sue it to purchase items online, and was rejected. Tried to go to securespend.com and get my balance information, and it says try again later. i tried calling the XXXX number on the card and it told me to type in a number and it then said it was not the right number and it disconnected me.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (VA)

I requested a balance transfer of {$5000.00} from my citi credit card to my XXXX credit card on XXXX XX/XX/XXXX XXXX I never got the money. I opened multiple disputes in either side ( Citi and XXXX ). Citi bank said they would investigate the case and all I get is a receipt saying XXXX had received the money. XXXX also said they would start an investigation, then XXXX requested me a transmittal form from citi with the account number where the money was sent. Citi refuse to disclose the information and all I keep getting from them is the recipient with customer Id and tracking number. XXXX says those information werent sufficient to conclude the investigation. It is been 4 months that the back and forth has been going on, and I still dont have the money.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On Wednesday XX/XX/2024 I received my XXXX XXXX check in my checking account in the amount of {$2100.00}. Around XXXX I went to our local grocery store XXXX XXXX grab something. I spent {$21.00}. I also had XXXX take out {$24.00}. I met with my with wife at our local Chase bank XXXX XXXX XXXX, CA XXXX. We were going to see about opening a joint account. When we were called to the counter, we informed the banker what we wanted. She had me swipe my card to verify I already had an account. I DID NOT take any money or nor did I have her move any of my money. The time frame was XXXX. Not even XXXX my accout was negative- {$2000.00}. I called the fraud they couldn't do anything because it was still pending. I went back to our bank spoke to a different teller and she informed me it was a ATM withdrawl and got me in contact with fraud that same day. I spoke with fraud and they mentioned again they couldn't because it was pending. They said call back when it is posted. I did and fraud informed it was an over the counter transaction. I spoke with the branch manager and informed I wanted this taken care and my money back. All they did was give me a runaround. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a document from my bank, stated as followed : No action will be taken and this inquiry is now resolved. 

I am beyond frustrated because I never withdrew my money nor had my money moved into a different account! 

Please Help!
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (CO)

Conns is using illegal tactics such as calling over 10 times in a day and hangs up when I say " are u calling to collect a debt or make it right ''. I've tried telling them they never delivered a new item per what I agreed. I have paid them for a few months in hope they fulfill their end of the contract.
Consumer complaint received 2024-02-07
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: Esusu, Inc. (GA)

XXXX XXXX I sent out a dispute through XXXX XXXX & I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX XXXX ( Twice ) & XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX  associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-03-09
Product: Credit 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: GOLDMAN SACHS BANK USA (IL)

An order ( Apple XXXX ) was made through XXXX XXXX and was stolen from the delivery person. XXXX XXXX uses a delivery service called roadie and they are known to be scammers as many have mentioned that they pay their employees to take the picture confirming delivery and then taking it. I have a police report and footage stating the fact. This is a condo unit as there are no cameras in the mailroom but only on the outside. Footage shows no one going in and out of the mailroom except for the delivery person from the time it stated delivered to the time I arrived home. I have attached evidence based on this matters Ive contacted XXXX XXXX about this matter and have denied the dispute several time. I contacted Apple for the dispute and they denied it again. There is clear evidence yet the investigation was awry. I want my refund. I was given an image of the driver on the deliver confirmation but after making the complaint/report the image disappeared. This is a scam.
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uplift, Inc (MD)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XXXX XX/XX/2024 UPLIFT , INC. 
Re : Account Number : XXXX Dear UPLIFT , INC This Account shows a balance of XXXX dollars and also 30, 60 and 90 day late payments. Please remove this account from my report I am writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 
Please ensure that the provided validation information includes : Confirmation of my name as it appears on your records. 
The precise amount of the debt claimed. 
The name of the creditor to whom the debt is currently owed. 
I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Furthermore, I remind you that all future communication regarding this matter should be in writing, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve all rights afforded to me by law in this matter. 
Thank you for your prompt attention to this request. I anticipate your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation
Consumer complaint received 2020-10-15
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: SYNCHRONY FINANCIAL (CA)

I never had a synchrony care credit card. They are Reporting a {$1000.00} synchrony credit card on my credit without my knowledge I never applied for this card nor did I use this card this is completely fraudulent I asked them to remove it and they have not it is completely demolished my credit
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

I have repeatedly mailed, emailed and called to request that the escrow for insurance be removed from my account, but Ditech still charges me for it and threatens to charge late fees if I do n't pay the full amount. Everytime I call, Ditech notes the change request in the " system '' and verifies that they have received the hand written request and emailed proof of insurance, but still no changes to my account. There is no accountability and I can see why Ditech has filed for bankruptcy, lost XXXX dollars for this type of abuse towards their customers.
Consumer complaint received 2024-02-24
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: CITIBANK, N.A. (NY)

MACYS/CBNA XXXX XXXX XXXX XXXX XXXX OH XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. MACYS/CBNA. ( " Miscellaneous Department and Variety Stores '' ) on date XX/XX/year>. I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed.Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that [ Credit Bureau Name ] investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations.Enclosed are copies of relevant documents supporting my claim, including [ list any supporting documents, if applicable ] .Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

It was XX/XX/2023, noticed my chase bank checking account got shut down with no heads up. I had about {$7000.00} ish dollars in the account and I need that money to pay my tuition. I did a good amount of phone calls within the past 4 month, and they keeps telling me waiting for the investigation department to release the money, likely next week. And they told me its next week every time I call. I went to the bank and manager helped me made a couple phone calls. Which then the lady tells me after XXXX break they will sent out the money. But till today I have not received anything.
Consumer complaint received 2024-02-15
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. (GA)

I am trying to purchase a home and I recently reviewed my credit profile and noticed inaccuracies incomplete information, and Unverified accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment and written/charged-off on my credit report : XXXX XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$4100.00} XX/XX/2024 ) XXXX XXXX XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$410.00} XX/XX/2024 ) XXXX XXXX XXXX  : Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX : Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX : Account number XXXX ( Account Closed as of XX/XX/2024 ) I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX