davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/2022, I received a digital letter from Synchrony Bank stating that my account with them through Guitar Center had been closed -- even though I had perfect payment history with them, and I still owe a balance. This is after they already reduced my credit limit earlier in the year -- again, I have perfect payment history with them. Both of these instances adversely affected my credit score. The letter and account closing date was dated for XX/XX/2022, and the credit score they were utilizing to determine this decision was from XX/XX/2022 -- more than 60 days old. There are two issues here : 1 ) XXXX shared my credit with them without my knowledge on XX/XX/2022, 2 ) Synchrony Bank/Guitar Center made the decision to close the account based on outdated/incorrect information. I called immediately and the customer service rep said her manager said it was XXXXXXXX XXXX  fault for giving them the credit score in XXXX -- however, I find much more issue with Synchrony using outdated credit information to make a decision more than once this year, given I have perfect payment history with them. Now I will continue to make payments to them, without any of the benefit of " on time '' payments on an open account. They have impacted my credit score negatively twice this year. This is the second account I have had with them where they have done this. XXXX sharing my credit score when I have my credit report locked is something else that needs to be apprehended as well.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

On XX/XX/2022 I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$1200.00} for XXXX. This is not my debt, I have never opened a account with XXXX  for { {$270.00} I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Government Issued ID was used to open this debt. What city and state was this debt opened. This company Jefferson capital systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$1200.00} phone bill!!! phone bills on average are $ XXXX is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from Jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law.
Consumer complaint received 2022-08-02
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)

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
DEPTEDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$790.00}
Consumer complaint received 2022-12-14
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: SLM CORPORATION (TN)

To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my XXXX Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,
Consumer complaint received 2022-08-23
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: Westlake Services, LLC (FL)

THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING AGENCIES.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WV)

On XX/XX/2022, I called Great Lakes Borrower ( XXXX  ) and requested a refund for the payments I made during the COVID deferment period. This amount totaled {$5200.00}. I was advised by the male representative that I would receive my refund back in XXXX days. After seeing concerning posts online about how XXXX changed the return dates have been extended to XXXX days, I followed up on XX/XX/2022. I was advised that it would now take XXXX days to receive the amount. I was told I didn't need to do anything further. At this point the amount I owe had not updated. I have seen online in places such as XXXX, where people who requested for refunds in XXXX ( this is well after my request date ) have already received their payments. On XX/XX/2022, I called and spoke with a female customer service representative who was less than helpful. She told me she wasn't sure why other people would receive a refund before me. She explained that some people get their refunds in the XXXX day window, and others it takes longer. She then said I was still in the XXXX day window ( I was well out of it. ) She told me I should see my balance update within the next week or so. Here I am over a week later, still no updated balance, still no refund. I have concerns that I will not have an updated balance before my loan is forgiven. This has been a very disheartening experience, and I feel awful for anyone who uses this service for future student loans. Please be aware of who you are using being signing into debt because you are at their mercy. If I owed this company over XXXX, they'd be coming for my throat with XXXX time to respond.
Consumer complaint received 2022-08-02
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2021 XXXX  Inquiry Date : XX/XX/2021
Consumer complaint received 2022-09-29
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: BARCLAYS BANK DELAWARE (TX)

I am lodging this complaint against Barclay 's Bank of Delaware, XXXX XXXX, XXXX, XXXX, and company CEO XXXX XXXX XXXX XXXX On XX/XX/2022 a charge of {$90.00} was made to my Juniper Credit Card by a merchant under the name of XXXX, a bowling alley/lounge in XXXX XXXX XXXXXXXX XXXX NY. I have never done business with this merchant, and I was not in the New York area when the charge was incurred. I reported the charge as fraudulent and asked to have it removed. I received a letter from Barclay 's dated XX/XX/2022 indicating that the charge would be investigated and removed within two billing cycles if found to be fraudulent. After two billing cycles had passed, I contacted Barclay 's again by phone and asked why the charge had not been removed. They responded by claiming that the charge was based on a card imprint, proving in their view that it was legitimate. My card had not been out of my possession, and any imprint would have had to have been made using a counterfeit card. I made this point to them, but they still refused to remove the charge, insisting that it was valid.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

I would like for XXXX XXXX XXXX Service to show proof of verification that I owe them {$320.00}, {$470.00}, {$620.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (SC)

I was communicated by this company representing XXXX XXXX XXXX. 
For a debt that should never been made. 

I closed and stop my service with XXXX in XXXX XXXX XXXX, when I needed a XXXX XXXX XXXX XXXX  to be done and would have me not to drive for several weeks upto months. 

I reported the cancellation and stop to renew any services with them in XX/XX/XXXX and XXXX XXXX directly to XXXXXXXX XXXX customer service. I was told on the phone I can not cancel any insurance or renewal due to state laws impacting the need for insurance. I contacted them again on the XXXX of XXXX, XXXX of XXXX and last day of service with them XXXX of XXXX. I did not want a renewal and I was ending my service with the company. 

They did not want me to cancel my service stating that I must have another insurance company with someone else and then I could stop services with them and cancel any renewal. I was angry that they tried to attempt and did deny my request the days before. 

I found an unauthorized charges of over XXXX dollars trying to be debted out of my XXXXXXXX XXXX XXXX account. No authorization was given to debit from my account. I was charged over draft charges and filed a dispute with my bank. The days of my XXXX  and weeks of bed rest then a XXXX XXXX XXXX XXXX XXXX XXXX in my XXXX resulted from the XXXX and time I was XXXX. In late XXXX to XXXX I answered a letter disputing the said charge from the company representing XXXX for this said debt collection.
Consumer complaint received 2022-12-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc. (GA)

I currently have a car loan with XXXX XXXX and my payments are on time. Since I got this loan and was a day late on payments, I continue to receive phone calls, every single day at all times of the day. It is harassment at this point. I have already asked them to stop and it continues.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MI)

My account was closed XXXX XXXX & when I try to access it in the app it says they are having trouble verifying my identity so Ive had no access to it since then! I had a direct deposit of my Michigan state taxes into that account on XXXX XXXX in the amount of {$1500.00} they decided to keep it & say it was due to my account being closed & me owing them {$2100.00} this is the first Ive heard of this & they are unauthorized charges I did not authorize at all! They told me that my deposit would be reflected & sent back to the insurer & it was not it was deposited into a closed account & they refuse to send it back or give me my money. I have no access to this account at all to see anything & I looked it up there is fraud protection here & it is not being honored they refuse to show me the policy stating they can do this or any info stating where my money is they are foreign as well & are hard to understand
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

1. On XX/XX/XXXX check written by me to XXXX XXXX XXXX For {$120.00} for XXXX XXXX XXXX to be delivered to XXXX XXXX XXXX. I have done this once before. 
2. I discovered on XX/XX/XXXX, that the check had been altered to {$420.00} and spoke to my banker in person who filed a claim that he faxed in that day to the bank. ( " Declaration of Unauthorized Endorsement or Altered Item '' ) 3. I received a letter from Chase sent XX/XX/XXXX asking me to fill out more information about the claim which I then sent in by mail to the XXXX XXXX office. I filled in the information that it was an altered check. Sent by mail on XX/XX/XXXX. 
4. On XX/XX/XXXX I received a second letter asking me to send in the same information as I sent on XX/XX/XXXX. I resubmitted the " Declaration of Unauthorized Endorsement or Altered Item '' form by fax on XX/XX/XXXX. Also received a letter confirming that my old account had been closed ( at my request ) to prevent further fraud. A new account was opened. Called XXXX and was told that the form was received. I filled in the information that it was an altered check. 
5. On XX/XX/XXXX I called and was told it was still pending. 
6. On XX/XX/XXXX I called my banker and was told it was still pending. Chase said the claim was started on XX/XX/XXXX and it would take 90-120 days to process. I said I would check back after XX/XX/XXXX. 
7. XX/XX/XXXX I asked my banker to check on the claim and she said she would call me back. 
8. XX/XX/XXXX banker called to say that the fraud department had not received the " Declaration of Unauthorized Endorsement or Altered Item '' form that I have already sent in three times - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I gave a her a copy of the form that was previously filled out. I asked for a meeting on XX/XX/XXXX with the Branch Manager.

9. On XX/XX/XXXX I left a message for banker and the Chase Branch Manager about when our meeting would be held. Also called the fraud claim number again at Chase, and was told that they were still awaiting a response from XXXX  XXXX XXXX ; if they don't hear from XXXX the claim may never be resolved. Then I called California Department of Financial Protection at XXXX who referred me to Office of the Controller of Currency ( XXXX ). I filed a complaint online with XXXX on XX/XX/XXXX. XXXX {>= $1,000,000}. I also filed a complaint online with the XXXX XXXX XXXX the same day. 
10. On XX/XX/XXXX I submitted a complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2022-08-02
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. (WA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Consumer complaint received 2022-08-02
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)

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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX XXXX : {$8000.00}
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

In the accordance with Fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy 15USC1681 section 604A section it also in states as a consumer reporting agency can not furnish an account without my written instructions under 15USC1666b 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Resources : 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | LII / Legal Information Institute ( XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | LII / Legal Information Institute XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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)

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 accounts 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 accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX*Balance : {$6000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

Chime offers Spot me advance on pay my limit is XXXX with a XXXX of XXXX by chime policy. I Requested a increase several times and meet all of the requirements XXXX have XXXX months of reccuring deposit of XXXX, and a XXXX time deposits some totaling even XXXX. It's very apperant that I can handle a larger increase of spot me but chime refuses to increase my spot me with no good reason. I've always re paid spot me!
Consumer complaint received 2022-09-29
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: U.S. BANCORP (TX)

I have not had anything to do with Elon Financial for over 20 years. They have changed the dates on this old debt over and over and just keep reporting it as negative to the credit bureau 's as if it's a current dept. I have disputed this debt many times but Elon changes the date of the date of the debt and reports it again. The credit bureau 's just believe them and leave the negative info on my reports. This debt has been settled, written off many, many years ago. It's like they are doing this out of some sort of revenge. I can't believe this is legal.