davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

My issue is with paypal credit ( synchrony financial ). After years of paying automatically on the same date I noticed after two moths my due date was changed to two days earlier without notice. I have never received notice about this and also received two late fees before I noticed and closed my account,
Consumer complaint received 2022-10-28
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: CarMax, Inc. (TX)

In accordance with the fair credit reporting act Account # XXXX, 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 an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, CarMax Auto Finance responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Consumer complaint received 2015-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (IL)

Calls identifying their purpose as a debt collector ( NES Ohio ). A recorded message leaves an XXXX number for a response, offers no information as to the source of the " debt '', who they represent, or an amount. I do n't know why they would call.
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act Equifax 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 15 U.S.C 1666B : 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 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (MI)

I was billed for a vet bill in regards to a horse I do not own, nor have ever owned. I sent filed of the proper ownership along with a history of all ownership in the lifetime of said horse. I sent documents to Tek Collect multiple times to always get the run around. The situation is ridiculous to say the least. Next step is to seek legal council.
Consumer complaint received 2017-03-13
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC. (NY)

This is a dispute for loans that have been filed illegally without my permission and misconduct use of my stolen personal information ; It is Fruad Identity as I did not file this loan nor did I sign for any such loans. I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. 

I never filed any form online for such loans and I never signed any electronic form for any loans online. Again this is Fruad Identity and I am disputing these loans. 

Thank you in advance for your patience and understanding.
Consumer complaint received 2022-10-17
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: DISCOVER BANK (VA)

I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now XXXX has published a charge-off from Discover Financial Services who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from Discover Financial has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of Discover possessing that repurchase agreement and I never received the REQUIRED IRS XXXX form. XXXX is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. XXXX as well as Discover have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments
Consumer complaint received 2022-06-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (TX)

On XX/XX/2022 I tried to apply for a loan with Affirm for a purchase of less than {$250.00} and it keeps on getting denied because according to Affirm, they can not verify my identity. I have called them multiple times to let them know I proceeded to remove a credit freeze I had placed on XXXX, XXXX and XXXX XXXX, to help them verify my identity, and they are still giving the lame excuse of " not being able to identity me. '' I count with a good credit score on all credit bureaus, the freezes have been removed so they can identify me, PLUS, I have sent them a copy of my driver 's license and a picture holding my license next to my face TWICE, and they are still not able to identify me. 
I spoke to a supervisor by the name of XXXX on XX/XX/2022, and I asked him to let me know exactly what is it that they need to identify my identity, and he said they do not need anything because they verified me already and to just give it 24 hours to reaply for the purchase loan. 
According to what I was told by the credit bureaus, freeze lifts go into effect immediately. I still went ahead and waited the 24 hours this supervisor by the name of XXXX, had adviced me to wait before reaplying. So, 24 hours later, I applied again for the this loan, and I keep on getting denied because my identity can not be verified. 
Affirm 's customer service is deplorable. Noone takes accountability for any situation. Every time I call, nothing gets resolved and eventhough I have done every single thing there is to do to verify my identity, they keep on giving me the same lame excuse.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

Now you know good and XXXX  well this item does not belong to me. Honestly, it is ver y stressful to have to keep going back and forth. Now I do apologize for my nasty language. However, who is training you? I would really lik e to know. I have expressed to you as best as I could the red flags with this tradeline on my report and still... There has been no concrete evidence of investigation or validity of this item to me. Now I know i am not a genius but I am aware that if i ask for proper paper trail of your investigation the n by law you are to send me the documents. I am just a hard working mother trying to do the right thing for my family. also i pointed out the data that has been being reported on my report and no update. what is up wit h that?? you are reporting one thing but the bank statements you send which is solid proof has different details. like please mae this whole situation make sense. Ever sense I realized this false item on my report it has been stressful. you dont provide me with concrete evidence, you do not update info, you send the same bank statements, and you do not give a proper response. all im asking is for the false itme to b deleted. Do you realize my confidential information has been potentially blended with another individual?? I knwo it has to happen considering everyone in the US with credit. Can we just please resolve this situation and have the account delted. I pay all my currrent cards on time so why would I not pay if it was mines? also all of my credit cards are under {$400.00} except the authorised user from my father. it just doesnt add up. i want to buy a house in the next couple of months and the lender im connected with has already told me my interest rate will be higher if i do not have a nice profile. im just really want to create a better lifestyle for my family. i know that obstacles come to everyone in life but geez the timing is horrible and why do i have to pay something i dont even owe? from the looks of it it doesnt seem you can verify that i owe what you say. i just want to get this item delted and move forward with life. can someone please help?
Consumer complaint received 2021-04-15
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. (PA)

Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX  XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Upgrade, Inc. (PA)

I opened an upgrade cash reward credit card on XX/XX/2021, because I was offered a {$400.00} promotion if I did three transactions with the card. However, after the first billing cycle, when I did not receive the bonus, I contacted them. The representative assured me it would be credited to me after two billing cycles. After two billing cycles, when I did not receive the amount, I again contacted them and spoke with 4 representatives. The first person said I would receive it in three billing cycles. Then he emailed and said I needed to spend {$500.00} within a year to receive the promotion. I contacted them again and asked them about the new requirement of {$500.00}, but they could not answer and transfer to another person. In every conversation, they gave me different explanations. I requested them to send me a copy of their original promotion offer so that I can verify. Everyone promised during the call, but none of them provided me with the original promotion offer. Instead, they have sent emails with their own explanations. 
In summary, I feel that this upgrade cash reward is a false advertisement or they are tricking people like me in different ways. Furthermore, it is disgusting that my credit history was affected by their hard inquiry for this false promotion.
Consumer complaint received 2020-02-16
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: CORELOGIC INC (TX)

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX and XXXX have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  Credco - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX   XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX   XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX XXXX XXXX - XXXX inquiry to XXXX   XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (IN)

This is Note to Synchrony bank. I wan na be clear and understandable, Synchrony bank has Ignore every piece of paper I have send, and all writing letter to the Synchrony bank. I have Placing, the NOTICE TO CEASE AND DESIST LETTER. WITH MY UCC-1, with my private security agreement. 
File XXXX # XXXX.THAT WAS Enough. Breaking my secret agreement I had enough with synchrony bank., XXXX the do has my trade name copyright. XXXX XXXX XXXX. 
My cell phone number is a private property my name is a private property I have put a warning they ignore the warning what is next, is action to put a lawsuit against them. I have enough evidence to back my claim. I can not deal with synchrony bank anymore, They are not respond in respect my privacy. they have Break the uniform commercial code. I can charge Synchrony bank for every action they have make.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Are checking account have been hack. From the month of XX/XX/XXXX our checking account have been hack. The bank notified us that their were some unusual activity in our checking account. The checking account was closed and a new card with new checking account number was issued this happened 3 more times. On XX/XX/XXXX my wife received a letter from Wells Fargo indicating that her dispute of {$520.00} was overturn and that the provisional credit will be deduct the said amount. I called the bank and spoke to XXXX and then to XXXX XXXX, because I did not call for any file a claim in the first place I asked XXXX XXXX, was my voice recorded, did the bank call me or try to reach. She said no we know it was you. The amount stated is a car payment to XXXX XXXX XXXX this amount is being deducted every month since XXXX. I feel violated someone call and made this phony claim and Well Fargo Bank with my knowledge and authorization process the claim. They should have call me, text me, email me or my husband. but instead took the claim and process it. This is clearly a breach of contract and privacy policy
Consumer complaint received 2022-03-02
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: Flagstar Bank, N.A. (FL)

Issue with Flagstar Bank / HELOC Account. 
Regarding alleged late payment from back in XXXX of 2018. 
I have never missed a payment or been late with this loan. I even provided copies of my bank statements proving that the payment was made on time to Flagstar Bank however, they continue to report the account as being one month as late in XX/XX/2018. Please feel free to review my full credit history as I have never been late or missed any payments with any of my accounts.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

XXXX was diagnosed with XXXX in XX/XX/XXXX. He was impaired at the time of the scam described here. Scammers stole our money, and then Key Bank made us pay it back. 

XXXX writing for XXXX : On XX/XX/XXXX I received an email invoice for {$450.00} for five ( 5 ) licenses of XXXX software from someone purporting to be a XXXX employee. When I called to tell them I dont have 5 copies of the XXXX XXXX, they told me they would refund the money, and persuaded me to grant them access to my computer so I could enter the refund amount.

The next day, that same person called in a panic telling me that he had erroneously refunded me around {$45000.00}, and that he urgently needed me to wire that money back to him. I saw the amount in my checking account, promptly agreed, and wired him the $ XXXX. 

Then, the day after that I received another urgent instruction that the money had not gone through and that he needed to try a smaller amount. He said he had refunded {$42000.00} of the previous days money, and he needed me to wire that. I saw that purported refund in my account I sent a second international wire of $ XXXX. 

The scammers had hacked me, installed spyware/malware on both my computer and phone. They had transferred money from my XXXX XXXX XXXX to my checking account, so when I checked the bank, I saw extra money that they claimed was due to them. I did not realize that it had come out of my HELOC. Each was sent via international wire transfer to a bank in XXXX. I immediately reported the fraud to Key Bank. 

Key Bank responded by freezing my checking account. My checking account balance was, as usual, several thousand dollars. My HELOC balance had been fraudulently run up by the $ XXXX. 

Within a few days, Key Bank, with neither permission nor prior notification, debited my checking account by {$87000.00} and reimbursed the defrauded line of credit ( secured by my house ). They protected their secured loan, and overdrew my account to do it. 

Despite numerous calls to Key Bank to get information and status reports, their responses have been conflicting reports and endless time on hold waiting to be transferred to yet another department in the bank. 

They say that the fraud claim investigation is ongoing, but they have put us in collections for the overdraft. They offered us a mortgage on our house, and having no viable alternative, we accepted that. We now not only have lost the $ XXXX, but we are forced to pay {$830.00} a month for a mortgage. This situation is outrageous and untenable.
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

Receiving countless calls from a company I don't know saying my name and that I owe a debt to them. I don't know of this debt. They are now reporting a debt on my credit report that I do not own. I've had to block the number as they will not stop calling me.
Consumer complaint received 2022-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

This was not sent in error, My name is XXXX XXXX, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information attached
Consumer complaint received 2022-03-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I have written a check for over {$51000.00} in order to close both of my accounts at Citibank # XXXX and # XXXX. Subsequently I have received a call from Citibank confirming validity of the transaction and during which I indicated both my checking and savings accounts closed upon the checking being cleared. I was confirmed that that will be done. On XX/XX/XXXX I have received a notice by email indicated that the account wasn't closed as per my wish and the account is now overdrawn ( I presume this was done by the account fees which incurred after my request ). 
Subsequently I called the number XXXX and after getting through Citibank 's automated system that informed me that the long will be wait to get a CSR online. However at about XXXX into a call the CSR appeared and after confirming my account numbers I was without warning put on another hold. At exactly XXXX the call was disconnected. 
It appears that the Citibank is not only not listening to the customers wishes in regards of their money but it also prevents them from closing and inquiring the accounts by playing tactics such as this. I expect my accounts closed as per my XX/XX/XXXX request and take care of all the fees as they were imposed unilaterally by the Citibank contrary to my wishes. I think it is reprehensible that the bank treats customers this way further reinforcing my decision as right one.