davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
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: Ascendium Education Group (SC)

I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX sent a notification of " may close your account soon due to protection against fraud '', and basically restricted and locked my accounts immediately. ( $ XXXX ) I checked with them and they say no reasons could be provided and promised me that rest balance on accounts will be sent back via a check after 10 days to close the accounts. 

I checked again and found out they are just giving lies, they changed the wording to no time frame, accounts still under investigation. 

I stated that I'm an international college student and need the check to be send on or before the date they promised, and I stated that on the contract when opening the account the clause states Chase have right to investigate my transaction suspected with " fraud '' and shut down my account without a reason provided doesn't mean the right to put a hold for all my money in the account forever. They tell me just wait and can't do nothing.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I noticed a few fraudulent charges in my account, I immediately reached out to WellsFargo regarding this issue I explained everything to the claims department representative an also offered to provide my work schedule showing I couldnt have made the fraudulent charges due to me being at work however the the claims representative told me it was ok and filed the claim for me and provided me with a provisional claim. Two days ago WELLSFARGO took {$1200.00} out of my account not even leaving me with enough money to pay my bills I reached out to them and the claims representative was very ignorant am told me that I made the fraudulent transactions or gave my card to someone to make the transactions I explained to them that, thats simply isnt true and asked to speak with a supervisor the representative told me no I asked if the claim could be reopened an if I could send in verifiable evidence showing that I did not make the transactions I was told no and that the claim was closed indefinitely! I will be filing additional complaints against WELLSFARGO as well as closing all accounts this was a terrifying experience. I will be adding the claim number below XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ECMC GROUP, INC. (SC)

On XX/XX/XXXX, ECMC promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion ECMC plainly stated to XXXX  that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, ECMC and US Dept of Edu. reported to the XXXX back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also ECMC, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by ECMC, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. ECMC stated that loans were PURCHASED from US Dept. Edu and XXXX. There are 3 different lines of false credit reporting remains on my credit. ECMC promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. ECMC and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

So I had noticed some unauthorized atm transactions made with my chime debit card & I disputed the transactions on the date I noticed them on my statement which was on XX/XX/year> is the date I filed the dispute & I received a email explaining that it was denied not even a couple hours after I filed the disputes with no explanation to why but said I had to wait 14 days for a letter explaining why I was denied so I called customer service back and they said they couldn't give me any explanation to why I was denied so quickly when I've provided sufficient information & filed a police report to help with the situation like I've never even used my card before at that atm or store so they clearly didn't investigate anything before denying me so quickly. But the transactions were made at a gas station on XX/XX/year> for the amount of {$200.00}, {$200.00} & {$83.00} for a total of {$490.00} was taken from me & these were made at about XXXXXXXX XXXX, XXXX XXXX & XXXX XXXX & the address for that is XXXX XXXX XXXX XXXX, XXXX WA, XXXX. & to help my claim id for the disputed transactions is XXXX
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (DE)

Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This account was openened on my credit report on XXXX XXXX, XXXX ( XXXX, XXXX ). The account closed on XXXX. XXXX, XXXX written as charges off as bad credit, profit, and loss write off. The amount owed on this account is {$24.00}, XXXX. Santander Consumer USA on a recorded line stated that they did not want the vehicle. The vehicle was suppose to be picked up from Santander Consumer USA, to be sold at the auction. The profits from the auction were to be added to my account balance. Santander Consumer USA stated that the car would be to expensive to fix, they got all of their information supposedly from the tow yard owner. Santander Consumer USA did not send their own adjuster that works for their company to see how much the damages were. They took word of mouth from somone who couldve been providing them false information, especially since Santander Consumer USA never laid eyes on the car to determine the damages. Despite this wrongful repossession that has been reported to my credit, I have also been harassed several times a day with phones calls concerning this account. When asked for specific information concerning this account, the customer service representative could not provide the information.
Consumer complaint received 2024-05-03
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: Byrider Franchising, LLC (WI)

This company is reporting 5 fraud inquires on my credit report, they sent a verification letter saying 2 applications were completed over the phone however I am a victim of identity theft and will attach a picture of the mans face and name that has been using my name to apply for things and drive XXXX and other things fraudently he does not live in the same state as me so my local police cant do anything. I also did a FTC report my signature or identification is nowhere on the application I stay local I would have not needed to try or apply for a vehicle over the phone.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Credit and Collections Inc. (IL)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (IN)

XXXX and XXXX credit Bureau both has been false reporting my credit for the last three -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX appl # XXXX on XXXX ( denied ), XXXX XXXX XXXX XXXX XXXX reference # XXXX XXXX XXXX App ID XXXX on XXXX XXXX XXXX on XXXX XXXX App # XXXX XXXX XXXX app # XXXX listing a collateral of XXXX XXXX XXXX XXXX 2wd '' my car was a XXXX XXXX XXXX , XXXX XXXX XXXX App # XXXX on XXXX XXXX XXXX App # XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX Appl # XXXX, XXXX XXXX App # XXXX on XXXX XXXX on XXXX XXXX XXXX XXXX app # XXXX , XXXX XXXX Appl # XXXX on XXXX , XXXX XXXX Reference # XXXX on XXXX XXXX on XXXX  at a credit score of XXXX XXXX XXXX XXXX XXXX Adverse Actions on XXXX , XXXX XXXX on XXXX XXXX XXXX XXXX Appl # XXXX XXXX XXXX , XXXX Appl # XXXX XXXX XXXX Score XXXX XXXX XXXX app XXXX score XXXX on XXXX XXXX XXXX appl # XXXX on XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately I'm applauded after XXXX car accident in a roll of someone hitting me and founding these major errors, Finally, the default months are after settlement dates car accident on XX/XX/XXXX Pymt date of XXXX XXXX on XXXX Senior Rep at XXXX name XXXX  claims Payment came in sometime in XXXX XXXX. Hopefully someone there processed the payments ( investigate ) spoke w her on XX/XX/XXXX over a recorded line exactly at XXXX on Tuesday she stated that both payments are there but they continue to not report my credit properly causing me credit denials, higher interest rates, higher payments for cars and bad purchases for vehicles that breakdown quickly..
Consumer complaint received 2022-12-19
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. (PA)

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX reports {$470.00} XXXX  reports {$0.00} equifax reports {$240.00} they are reporting 3 different dates of last payment on my report XXXX and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (SC)

I received a notification from The American Express that my credit line had closed due to a review of my account reducing my credit from approximately {$11000.00} to {$0.00}. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX  for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and American Express has not been willing to resolve this matter in a manner that is fair to the customer.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MS)

IT seems that Synchrony Bank reduced my credit limit from {$1300.00} to {$120.00} even though I have never been late with a payment with this account, have always paid on time, and the card was pre-approved last year without any questions asked even though I have a bankruptcy from 2017 on my credit bureau report. IT is unsecured as well. I have many credit cards that are in good standing and current and there shouldn't be any reason why my credit limit on this particular account should be decreased, if anything it should be increased back up to the limit is was before it was changed as I have stated, I have a good paying record. IF it is because of a problem I am having with another creditor listed on my credit report, well, that has nothing to do with my paying this account every month when there is something owed on it. IT is unfair to target this account because of non=current problems with other creditors cause this account ending in XXXX is current and always has been. Now, If the account wasn't current, then I can understand decreasing the credit limit or even closing it per issuers protocol ... I think it is " unfair '' / '' unreasonable '' under the Fair Credit Protection Act to decrease the credit limit based on another creditors listing, since this account has already been open for some time if it is decreased because of another creditors notes or delinquency well, " That '' doesn't have anything to do with " THIS '' account.Synchrony Bank should only be concerned with the monthly payments on this account ending in XXXX and not others that don't " have anything to do with this account.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST ADVANTAGE CORPORATION (TX)

I applied for a position at XXXX XXXX and they used first advantage as the agent to investigate my my report but the report that first advantage gives to the employer I dont know if is correct because that information affected my employment status until XXXX XXXX their not able to work with me anymore. Thats why Im trying to see if I can get help from that and see this as the right place to get my rights back because I understand I have bad credit but I dont have any bad history about employment history so how my credit score can affect my credit history
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

My Citi card was declined on two purchases in a row. I had not heard from Citi, so I thought this was odd. The only time in the past my card was declined, Citi contacted me immediately and asked if the card was fraudulently used or stolen. 

I contacted Citi and was told they suspended my card as my payment was 4 days late. 

I had set up my payment previously using my bank ( XXXX ). I checked my XXXX bill pay site and found that I'd accidentally set my payment for the wrong week, so my payment was truly 4 days late. 

My complaint is this : I've been a great customer for years and pay my entire balance every month, on time. This was an administrative error, which Citi did not even contact me about to clear up. They simply suspended my account immediately, without recourse. 

When I called Citi to find out what was going on with my account, their automated system informed me " this was a collection call. '' That was how I found out I'd made a mistake on my payment setup from my bank. 

This is ridiculous. I of course will be cancelling my Citi account and have already obtained a new credit card. I am telling all my friends and anyone I know about this - a number of them have already cancelled their cards as well. 

I am one of the fortunate people who is able to pay my bills during this trying time. I do not need to have my credit ruined by a simple administrative error. 

I will never do business with Citi again. 

The form asks about military status and does not have a section for XXXX   XXXX XXXX ( XXXX ). I had to select " XXXX  '' as my status because that is the closest to XXXX on the form. My actual status is XXXX.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am writing this complaint against Chase because I wrongfully received a charge back which has made my Chase account in the negative. 

I am requesting the information be sent to me at my residence or via email that this decision was BASED upon because if you look at the pictures involved you probably can easily see that the product was delivered to the wrong place.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (IL)

I am victim of identity theft. 
this account doesn't belong to me. 
i am already in collection. 
i called the company and them told about wrong information mine, they have wrong address, wrong phone number, and wrong email, but have my social security number and my name. 
I already made a dispute in XXXX, and XXXX, and XXXX. 

the account is : Collection Agency : NORTH AMERICAN RECOVERY Original Creditor Name : XXXX XXXX Date Assignated : XXXX Original Amount Owed {$2400.00} Ammount : {$2400.00} Status : UNPAID Account Designator Code : INDIVIDUAL ACCOUNT Account Number : XXXX Creditor Classification : FINANCIAL Date of First Delinquency : XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX, Acct # : XXXX XXXX does not show this account at all. 

On report until such date is inaccurate, both Experian and XXXX. 
XXXX reports : XXXX. Inaccurate payment history for XX/XX/2018 when compared with Experian. 
XXXX. Inaccurate payment history for XX/XX/2018 when compared with Experian. 

Disputed multiple times with Experian and XXXX Delinquent XXXX report inaccurate XXXX, no data for said month. XX/XX/2018 Account information between multiple reports is inaccurate for the above account in multiple aspects, not just XXXX aspect. It has been disputed multiple times with all three credit agencies yet only XXXX has removed the account due to the inaccuracies.
Consumer complaint received 2024-03-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Amscot Corporation (FL)

I owed the company Amscot for a cash advance. I went down there in the end b of XX/XX/2023 they asked when I can pay it back I said C in C about a week or so. Then a couple days later on XXXX XX/XX/2023 they deducted the {$440.00} from my checking account without my permission to do so at that time. During other instances I had outstanding payday loans so they decided to call every day and every other day demanding to speak to n m fr and leaving over XXXX voicemails on my voicemail box
Consumer complaint received 2024-03-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections (ID)

On XX/XX/2024 I was called by Bonneville Collections in XXXX  XXXX, Idaho twice within 30 minutes. They also left 2 voicemails back to back during this same morning about the same debt. I don't believe leaving multiple voicemails on the same day is FDCPA compliant? I also have saved these voicemails for proof. 

Secondly, I have contacted the agency about making XXXX XXXX  monthly payments on my medical debt, which they wouldn't accept, stating the amount is too low to accept. Being in an industry where my income has dropped XXXX XXXX  over the past couple years, $ XXXX is all I can afford at this time.
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (OK)

OVER THE PAST YEAR D & A SERVICES, XXXX XXXX KEEPS CALLOING MY HUSBAND CELL ( XXXX ) XXXX AND MY CELL ( XXXX ) XXXX 19 TIMES COLLECTIVELY AND HAVE DOCUMENTED AND SCREEN SHOTS FOR LEGAL COUSEL, THESE BELONG TO XXXX XXXX.
Consumer complaint received 2024-03-10
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: Absolute Recovery Services, LLC (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 SECTION 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit credit card account under an open end consumer credit plan as late for purpose