davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Hello. Good day. With Age comes maturity. Im conducting a much needed credit health check and have found there are a few Credit Agencys that have reported debt I supposedly owe. Well Ive never received notifications on these debts. Ive heard horror stories about Credit agencys using unprofessional even illegal practices on consumers. 
I have attempted to dispute this with the credit Bureau and it simply comes back as valid. Yet no statements, no letter validating this debt. I found out the origin was in Florida state. Im in California & have no history or ties in that state. Matter of fact my credit history doesnt even display this type of activity of such a large charge {$10000.00} Opened XX/XX/2015 Can you please assist me on this matter.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IN)

I've tried to have my bank account allow access to join XXXX  and XXXX to contact my bank. If the bank doesn't want to allow XXXX as a third party interest, then they need to open a function as an option that is the same.
Consumer complaint received 2022-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (NY)

My name its XXXX XXXX this company whit the address XXXX XXXX XXXX have my record on collection I send a identity stolen report, i they cant help me I really need to someone help me this its not right they tell me the gon na help me and never get call for not body this its not my please cant some assist me whit this matter, thank you
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

In XXXX I used Discover to put a deposit on a vacation rental in the Florida keys for my family to stay in XXXX, the remainder was paid in cash. There were problems with the home from the start, dogs on property even though not pet friendly, construction work happening before 8am, but we tried to make the most of it. Second to last night termites were crawling in the beds and completely took over a bedroom, we contacted the host and was asked if we had to leave early or comfortable staying. No one offered to change sheets, come clean up the mess, nothing. We left early and was told a refund would be made to the card on file, it took over a week to get this response as the owner left the company without a manager in charge. From the day I left I was told the manager would call me later, but my response to the generic how was your stay email prompted the manager to not return my calls, but respond via email. I got discover involved with a dispute as the refund was not processed and I was already having trouble with the company I was unsure they would follow through with what they said. Discover now states my information, an email from the merchant stating a refund would be processed to the credit card on file and the final bill stating the money received was only from my discover card and cash was not enough information. Even though I was told two weeks ago that that is the information that was needed, and XXXX business days ago that the information provided was approved to initiate credit back to my account. It should be as simple as that, and now dealing with this over several months Discover has claimed my information is out of date, already closed, but I should follow up with the merchant that has been ignoring my calls since the day after my departure.
Consumer complaint received 2021-09-02
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. (NC)

XXXX  / XXXX listed on my other accounts this is a fraudulent account I dont think is even a legal agency I had ask them and mailed letters with identification to provide proof of this collections with no response I am not at all responsible for this collections and cant find this company anywhere I believe this was fraudulent submitted in my name and will ask EQUIFAX to remove this from my report immediately!
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

am a hard working individual that is trying to restore my life after post pandemic. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and my rights have been violated according to this law. I demand that the accounts below be removed from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission or consent to furnish these account.

Accounts : XXXXXXXX XXXX amount:XXXX XXXX  date open : XXXX XXXX XXXXXXXX XXXX. date open : XX/XX/XXXX XXXXXXXX XXXX date open : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-09-21
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. (WA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2021-03-01
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: JMD,LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-03-06
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. (NC)

I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (AZ)

On XX/XX/XXXX I used Discover credit card to purchase a 6 month vehicle insurance policy from XXXX insurance in the amount of {$570.00}. 
On XX/XX/XXXX i realized that i had been charge twice in the amount of {$1100.00} dollars by XXXX insurance after looking back into my Discover credit card E-statements dated XX/XX/XXXX thru XX/XX/XXXX. 
i contacted Discover and they opened a claim under case number XXXX, and i contacted XXXX XXXX and they provided a receipt stating that is was not an error from there part that they had only charged once in the amount {$570.00}, there for and error on Discover card services. 
I have not received a email, or letter as off XX/XX/XXXX with a resolution on this charged on my credit card.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (CA)

I had a Vanilla Gift Card with a balance of {$30.00}. On XX/XX/22, I noticed there was an unauthorized transaction of {$29.00} from XXXX. I have never heard of this company and a XXXX search didn't come up with any information. The charge was still pending at the time I called Vanilla XXXX with the number on the back of the card. I spoke to a representative on XXXX. The representative had an accent and it seemed like a call center in another country. The representative stated he was going to issue a replacement card to me. I also asked the representative no less than 3 times if I would get back my {$29.00} and he said " yes '' all 3 times. I ask the rep if there was anything else for me to do and he stated no. 

On XX/XX/22, I received the replacement Vanilla gift card. I checked the balance, and it was {$0.00}. So, I called Vanilla ( XXXX ) again and spoke to another rep. This time the rep informed me that I needed to contact the vendor to dispute the charge and to fill out a dispute form and email it back to them. I questioned this new rep why the first rep on XX/XX/22 didn't give me this information and he couldn't answer it. The rep gave me the phone number for the vendor. I attempted to contact the vendor but was unable to get a hold of anyone. It kept going to a voice message box that was full. The rep then emailed me a copy of the dispute letter. I completed it and emailed it back on XX/XX/22 ( see attached ). I have never received a response, and this is why I am filing this complaint.
Consumer complaint received 2020-01-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

Sold me a car that had sever oil leaking to the car. to the point where black smoke would omit from the exhaust. I asked how they would go about it and never came to an agreement. i had the car for 1 month.
Consumer complaint received 2018-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Coinbase. XX/XX/XXXX to XX/XX/XXXX. Withdrew Euros XXXX in line with the instructions of the organisation. Money has still not arrived in linked account and all linked account details are correct. It is now 3 weeks after the request and process and confirmation receipt that it has been completed. Withdrawal reference : XXXX
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/XXXX, I applied for a Mattress Firm Credit Card. The initial limit was set at {$4000.00}, but the purchase was {$4300.00}. So I asked the employee to see what he can do. He called his manager, worked his magic, and informed me that he was able to raise my credit limit to {$4400.00}. So we went ahead with the order. The next week, I was alerted by XXXX, XXXX, and XXXX, that my credit score had just plummeted by XXXX points. The reason was that I was over my limit. Upon doing some digging I found that my credit limit on the card was not increased to {$4400.00}, it was still at {$4000.00}. But he was able to place the order at 110 % of my credit limit. While I'm certain that my score would've dropped by virtue of applying for the card and taking out a purchase that would be near my limit. However, I am also certain that the score would not have dropped nearly as much. On XX/XX/XXXX, the same day I discovered the score decrease, I complained to Mattress Firm and they issued me a {$400.00} credit. However, my credit score ( that I took years to build ) is still deflated. A Mattress Firm customer service associate informed me that I could write a letter to Synchrony Bank ( the company that hosts Mattress Firms credit cards ) and ask them to remove the derogatory remark. I sent this letter back in XXXX and I have still heard no indication that they received the letter.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IL)

I simply applied for a chase freedom unlimited card because I wanted to shop around and see what rate I would be given. I was approved and told my card would be mailed and I was given a 23.75 % interest rate. That is the highest rate possible, which is god awful. Anyway, I merely wanted to see my options and never would have sanctioned approval for a credit card with a terrible interest rate. They would have to cut that rate in half otherwise that is what I would do with the physical card.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 


XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2021-02-28
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: Westlake Services, LLC (NY)

The westlake financial account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.
Consumer complaint received 2022-09-21
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-27
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. (GA)

The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to XXXX illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report as well.
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

I recently saw a collection on my credit report for IC systems. I contacted the collection agency as I do not use " XXXX '' which was indicated as the debtor. Where I live we use XXXX. I told them I disputed the account, but they insist it is mine and are unable to provide documentation it is mine. I even reached out to the reporting agency and was told by them that IC System " verfied '' it. However, not one piece of documentation can be provided for what this actually is.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

XX/XX/XXXX I got behind on my mortgage payments due to my company placing me on a administrative leave of absence due to internal investigation due to no fault of mine and prior to this my hours had decreased due to COVID-19 at work bc my kids were having to do remote learning and I had no sitter for work. So I was already struggling to make payments and then I was unemployed until XX/XX/XXXX with only unemployment money being received. I inquired about the hardest hit fund but was told that it was closed and not accepting any more applications so finally in XXXX I was approved for forbearance for my mortgage after continued delays in the application process. I made my {$50.00} a month payment as directed for XXXX and XXXX and I was notified in XXXX that mr cooper had transferred my loan to XXXX XXXX. Well today I get notification that I have a major delinquency on my credit report from mr cooper and it states my mortgage is 120 days past due causing my credit score to decrease 27points in one day. I was told that as long as I was in forbearance and making my trial payments on time then my mortgage would not be reported as delinquent to the credit bureau. I attempted to reach out to mr cooper but couldnt get issue resolved
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

I have been receiving a number of calls this month ( XX/XX/2020 ) from Chase Bank, but decided to ignore them until today as they are coming in with a such frequency as to harass and annoy me. The calls are being made with automated pre-recorded messages as well. 

Today XX/XX/2020 a call came at XXXX XXXX trying to solicit me lower interest rates on my cell phone number XXXX. Eventually a person came on the phone and I told them to stop calling me. The Represenative on a recorded line said What the XXXX? And I hung up on them. 

No lawsuits have been filed as of this time. Please see attached demand letter and prior documentation regarding this matter. I am requesting that Chase Bank communicate regarding this entire matter in writing please only no phone calls.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.