davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (MD)

Southwest Credit System has called me repeatedly daily, several times throughout the day too often and I feel harassed and abused. I have requested that this collection account be validated under the Fair Debt Collection Practicing Act, 15 USC 1692g Sec. 809 ( b ). I have requested the following listed below but I have not received any of what I requested : The agreement with their client that grants them the authority to collect on this alleged debt, The copy of the actual agreement that bears my signature for this account and any agreement also bearing my signature authorizing the release of my personal information and any insurance claims been made by any creditor regarding this account. 


I know that this is a violation of the FCPDA. This collection on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the {$1000.00} 's. 
I am a XXXX with Severe/Complex XXXX and the constant calling and harassment has contributed to the exacerbation of my medical condition. 

This company is NOT registered to collect a debt in the state of Maryland according to https : XXXX. I am aware that Maryland law requires collection agencies to obtain a license from the Department of Labor, Licensing and Regulation in which they have not done so. Southwest Credit System is practicing illegally in Maryland.
Consumer complaint received 2023-03-19
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: SYNCHRONY FINANCIAL (VA)

I made purchase from XXXX ( ordered an XXXX for XXXX USD ) on XXXX XXXX XXXX. But the seller sent me an empty envelope instead a package with an item I was ordered. I contacted USPS and they can PROVE the " package '' weight is 1oz ( USPS representor said " this is an EMPTY envelope '' ). So, in this case the seller has tracking number and the status of the order was " DELIVERED '' .... but what was delivered PAYPAL, and XXXX does not care. After time, on XXXX XXXX PAYPAL decided to resolve this case in " MY FAVOR '' ( The balance was {$0.00} ). But, after few days the balance of XXXX showed up again in my account. I disputed again and their representors repeating the same thing ( the order was delivered and the seller has confirmation number ). Literally, PAYPAL took the second decision ( in favor of the seller, THIS time ) based on only one delivering number. Noone gets in touch with USPS so far, either PAYPAL or XXXX, to look in their shipping records for the weight of the " PACKAGE '' - an empty envelope. I can provide dates, names, pictures.
Consumer complaint received 2019-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Hello, I am a CHASE business banking customer, we've been with them for a very long time, close to 10 years. This is the first time I ever had a serious problem with them completely ignoring me as a customer and denying any kind of help! I've used CHASE Quick pay to pay for goods onXX/XX/2019, the person came out to be a scammer and stopped responding to emails/phone calls/text messages from my side. I tried to call CHASE business customer support line the same minute it happened ( it was late night, so I was asked to call in the morning ). I did call in the morning and CHASE rep simply stated that they would never cover anything fraudulent that has to do with quick pay!! Basically they said that they simply allow for ANY kind of transaction to happen even if its fraud/scam as long as I as a customer had contact info of the other ( scamming ) party. They literally don't care. They actually tell you that there is ZERO protection for your funds with quick pay ( XXXX is now a part of chase quick pay )! I will never use CHASE quick pay or XXXX ( one and the same ) and I will make sure to tell everyone that CHASE could care less for their business customers in case of a scam or fraud! As an example, XXXX does care for their customers and would never allow for anything like this to happen!!! lost my respect for CHASE completely ... Extremely unprofessional and ignoring behavior by such a great bank ...
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (WA)

I was checking my credit report and a derogatory mark appeared for a balance of {$730.00} from XX/XX/XXXX and was just reported on XX/XX/XXXX. I have not received anything in the mail, nor have I received any emails or phone calls regarding any sort of derogatory mark. This now says that the amount has been " Placed for collection. '' If I would have not checked my credit report I would have never known that this was ever out there.
Consumer complaint received 2021-10-02
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It have been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-01-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: JPMORGAN CHASE & CO. (CA)

1. I ( XXXX XXXX ) purchased XXXXXXXX Egift Card from XXXX. 
Purchase price : XXXX on XX/XX/17. 
2. Tried to use the Egift Card from online on XX/XX/17 but did not go through. So contact XXXX, they said there was no balance in the Egift Card code. 
3. Requested XXXX to get refund on XX/XX/17. They declined. ( please find attached ) Until now, I have been trying to get my refund. But XXXX declined. 
4. We also contacted Chase credit card. ( Which I used this card to purchase Egift card. Ending with XXXX ). Chase bank declined this fraud claim. Please help with the dispute!!
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of fraud i tried to open acount at XXXX  not knowing someone has open not one but 2 accounts with my social security bank amercia reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please i need help with these 2 items
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AZ)

i purchased a XXXXXX/XX/XXXX XXXX XXXX phone from the XXXXXX/XX/XXXXi am unable to activate this phone as XXXX XXXX  has a different email than the email i am using to sign into my goole account and XXXX fi will not tell me what email they have. i have attempted to return this phone as it is useless to me as i cannont activate it. XXXX store says we are closed due to the pandemic. also i have tried to return the phone through the google online store and i am unable to return the phone through the store as they are using a 5 year old email to send me the return label i do not have access to that email i contacted syncrony bank to dispute the charge and was told out of luck they cant help me. i should not have to pay for a phone i can not use
Consumer complaint received 2019-03-06
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: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX   XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harley Davidson Financial Services Inc (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Harley Davidson Financial Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Harley Davidson Financial Services for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Harley Davidson Financial Services has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Harley Davidson Financial Services cease such practices immediately.

4. **Failure to Provide Disclosures : ** Harley Davidson Financial Services has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Harley Davidson Financial Services , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Harley Davidson Financial Services and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Harley Davidson Financial Services. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (IN)

In accordance with the fair credit reporting act convergent XXXX XXXX account # XXXX and XXXXXXXX XXXX account # 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 a account without my written instructions
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MI)

I opened up an account with navy federal Credit Union late XX/XX/2021. I received my debit card today ( XX/XX/2021 ). I was unable to activate and log into my account online. I contacted customer service and the representative told me a restriction was placed on my account because of information received by XXXX XXXX XXXX. I was advised to contact XXXX XXXX XXXX. Upon calling, I was instructed to order a consumer report. I called Navy Federal back and was treated with the rudest service. I asked the CSR to close my account and refund me the money I used to open the account. The CSR stated I would need to speak with the security department and advised of a 1 hour hold time. I asked her for the email or direct phone number because a 1 hour hold time is too long. She refused to provide me with further info. I am requesting that Navy Federal close my checking/savings account and issue me my initial opening deposit.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (MD)

XXXX XXXX i called XXXX XXXX XXXX XXXX and was unadded as an authorized user on a XXXX XXXX credit card account starting in XXXX. I have called Equifax multiple times and started a online dispute multiple times for almost 3 months now and the authorized user account that i have no responsibility over is still on my report XXXX  & XXXX  removed these accounts almost immediately and Equifax continues to leave this account on my report and its honestly frustrating and its really making me look bad on my credit report and the worse part is i have no control over the account because it does not belong to me im only a authorized user not the primary account holder. please help me get this off my Equifax report.
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I called XX/XX/18 about my account I was told by XXXX that I had 2 accounts one for {$1300.00} that i ask for proof and he hung up I called back and spoke with a woman i forgot her name however she told me she could not disclose any information to me about my account but yet says if i have any questions about my account i am free to give them a call
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I contacted Best Buy XXXXXXXX XXXX  about setting up a payment plan because the amount requested monthly is extremely too high for me to be able to afford. When I have called 3 times ; the representatives are very nasty and would not allow me to set up an affordable amount. The interest rate is steadily climbing each month and it is worsening my credit score.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

Recently I was the victim of identity theft and needed to freeze credit reports and put fraud alerts on my accounts. I also requested credit reports. XXXX and XXXX has correct information listed and accurate credit scores. Equifax does not show my refinanced mortgage which I am the co-borrower with spouse on dating back to XX/XX/XXXX. Payments have never been missed and we are good customers. The Equifax report indicates that my score is lower and it is lower by XXXX points due to not having enough credit. 

Since XX/XX/XXXX, I have made numerous calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to please correct this information. Equifax has specifically asked that XXXX contact Equifax directly to correct this. I was told by XXXX that the CEO of XXXX is aware of this issue and reports XXXX has no obligation to report to Equifax. 

I do not understand why XXXX refuses to correct this issue as is impacts my ability to seek credit at the best possible rate which is something that will be occurring later this year when a purchase a new vehicle. XXXX is not prevented from correcting this error the XXXX XXXX just does care to take the important extra step to resolve an error on my credit report that directly impacts me. 

This is not ethical or good business practice. It impacts my finances directly and is easily correctable. I want XXXX to formally correct this issue to Equifax to reflect my mortgage since XX/XX/XXXX, which is in good standing. Thank you.
Consumer complaint received 2021-10-08
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: Experian Information Solutions Inc. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo bank claims I took XXXX out of their ATM machine XX/XX/2020. My statements indicate I did not take anything sout of their ATM. They insist that I did and is charging me late fees and penalies. My credit score was XXXX  now its XXXX.
Consumer complaint received 2021-10-08
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)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Consumer complaint received 2023-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Initial Mortgage loan from Wells Fargo, said before signing payment would be {$780.00}, After signing, Wells Fargo sent a payments would be {$1100.00}, barely afforded payments, said we had to go to county treasurer for new tax assessment 8 months later, got it taking care of. Had to lower payment to credit cards to meet mortgage, causing us to have more fees from these cards, as soon as we could, we switched to any lender other then Wells Fargo Mortgages.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (WY)

Please remove inquire ( S ) below, as I didn't give any companies access to my report ; please block or remove these listed below 1.XXXX XXXX, XXXX XXXX 2.XXXX XXXX, XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 5.XXXX  XXXX XXXX XXXXXXXX
Consumer complaint received 2019-03-06
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. (TX)

Equifax enclosed is a copy of your reporting I have requested that you remove this account in question for false, inaccurate reporting on your behalf .I 'm not requesting an investigation but stating the fact that the report is wrong, inaccurate and under the FCRA requires it to be removed from account. Documents enclosed
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (TX)

My social security number is attached to medical debt across all 3 bureas from XXXX XXXX XXXX and is a violation of my HIPPA rights. Ive reached out and I have been unable to get any proof of debt owed but because it will be a violation Ive been unsuccessful although its listed on all my credit reports.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

-USAA Banking : inquiry/ investigation and no action -XXXX : no action taken -FBI cyber crimes complaint XXXX no action taken XXXX XXXXXXXX XXXX : XXXX transaction - {$1000.00} : dollar amount from fraudulent scam transaction authorized by buyer I initiated a XXXX fraud/ scam complaint with my bank, USAA on XX/XX/2022 XXXX My bank informed me on XX/XX/2022 that I would not receive a refund credit to my savings account because the XXXX transaction I had authorized to a scam seller/ service provider is not Federally insured.