davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MO)

Opened a CareCredit card in 2019. For almost 3 years I have been paying up to {$300.00} in 2 payments to Care Credit a month. My balance increases every month, has went over the limit, and I could not figure out why I wasn't getting anywhere despite not charging anything to that card in almost 3 years. ( Yes, I understand that there is a monthly interest charge but it is under {$130.00} a month ). I noticed an additional monthly charge ranging from XXXX XXXXXXXX which I thought was going towards my bill ( Synchrony on my bank statement ). Upon further investigation this week I found that this is a " XXXX XXXX '' benefit ( in the event I am unable to pay my bill ) that they say I authorized when I signed up for the card. I know that I would not knowingly agree to this amount of an extra payment not going towards my bill. I am younger and have a very stable job as a nurse. While I don't remember the specific small details about that application, as a consumer I feel like this process is deceitful and predatory. 

" XXXX XXXX '' has agreed to refund this money however I am unable to see bills prior to 12 months ago. This additional charge is listed on my CareCredit bill yet CareCredit states they can not help me with these matters because " XXXX XXXX '' is a different department. I am unable to access any payment history for " XXXX XXXX '' through their website but the last 12 payments of " XXXX XXXX XXXX '' shows up on my CareCredit App around the 10th of every month, in addition to the CareCredit payment of XXXX XXXXXXXX I pay on the 2nd every month. All of this is very shady to me as a consumer and I wonder how many other people are unaware of this charge or possibly overwhelmed by the difficulty in getting to the bottom of this " extra charge. '' XXXX XXXXXXXX could be a week of groceries for someone trying to make ends meet.
Consumer complaint received 2022-10-24
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. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given XXXX XXXX XXXX ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from XXXX  XXXX XXXX  about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax sent responded saying they contacted XXXXXXXX XXXX and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I applied for a Chase Sapphire XXXX card but got declined. My credit score is above 800 so it can not be my credit. I have not yet received a reason for my decline. I called Chase this morning and after a long wait the agent told me I was declined because I had received a Sapphire bonus in the last 24 months. This is not possible because I have not been a primary account holder of a Sapphire card. My wife had one but not me. 

I am very frustrated with my experience at Chase and can't seem to a straight answer. Now I had a hit on my credit score for no fault of mine. Can someone help?
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In 2020 I skipped 3 payments XXXX through XXXX received a letter stating I was approved to defer the payments. SP 's waited until XX/XX/2020 to send me a letter saying they were only applying 2 payments to the end of my loan. I called my service manager and let her know it was incorrect. They refuse to this day to correct the error making me one month behind in my payments for over 2 years now. I don't know what else to do. They gave me difficulties with this from the beginning stating my loan was not federally backed which I had to prove to them that it is. The letter they sent deferring only two payments is not even for the correct months they say XXXX and XXXX I started paying again in XX/XX/2020 and have not missed a payment since. 

Thanks for your help. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
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. (FL)

I sent My first letter to Equifax XX/XX/2022 asking them to investigate accuracy of the XXXX XXXX XXXX account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

XXXX and XXXX provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

XXXX and Equifax are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

XXXX is reporting a 1-month term when collection accounts does not have terms.

In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TN)

This company has come to my work and discussed my loan in front of the other employees at my work place They have called my work place and asked if I have discussed my business with my employee I have tried to make a payment and they refused because it was not the full amount I have discussed a complaint with their District manager and still continue to contact my place of employment and not just to have me call Its an everyday thing so there are not dates just to give
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (TX)

Equifax returned a dispute file to me with items verified as accurate. They FAILED to require me with my original signature on the application for the loans, proof that the loans were mine, original terms for each loan. These were all the result of identity theft and the accounts DO NOT BELONG TO ME. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MI)

So Paypal open a credit card in my name that I didn't approve for back in XX/XX/XXXX. I talk to someone about this situation but they never removed off my credit file the balance is ( {$0.00} ) the account is closed due to been inactive and the date it's closed on XX/XX/XXXX the credit was $ XXXX repeat ( I NEVER ) open or filled out an credit application with them. Please help me & please removed from my credit file.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account 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 a account without my written instruction
Consumer complaint received 2018-10-22
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. (PA)

My File number is XXXX To whom this may concern, Trying to read all my credit reports and scores from the credit reports. XXXX, XXXX And Equitax. The page kept saying inactive status and needs to close. Not the word for word on how error was given. Time out. I didn't even get a chance to go over everything in all 3 Reporters plus the Annual credit report. 
Not given the chance to dispute all the Incorrect information I did see. Many investigations on existing very old problems nurmgouse dates already done. Imporoper use of my reports shared without my consent. Credit inquiries from unknown sources more than once without my permission. Many unknown collectors I haven't a clue what they are. Wrong addresses and phone numbers in my credit reports as well as places of employment I have never worked for. Many Consumer reporting agencies reported outdated negative information as well. 
It's a wonderful anyone would give me credit! Very disappointed and extremely upset my credit reports of what I did see was a complete mess! 
I do have a right to read all of it and try and fix it as much as possible and get it more presentable for when my report is looked at that perhaps I got a better chance without someone else 's stuff on it. 
Inaccurate information put on my credit report as done has cost me a lot more than realized. These reporting agencies are crazy mad it seems Please if someone could possibly get back to me ASAP it  would be so appreciated. 
Thanks so much! 
I will be writing/calling XXXX Consumer Relations regarding this.
Consumer complaint received 2022-07-23
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. (SC)

I have unauthorized inquiries on my credit report I called the credit bureau but they refused to remove even after I informed was fraud. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

On XXXX I added a new bank account to my Venmo app. I began a bank transfer of funds for {$1000.00} out of the {$3000.00} total balance. The transfer failed and immediately my venmo acccount was " suspended for violation of use ''. Confused, I called the customer service line to be told that she saw my account was frozen but did not see a reason why. She told me that I would receive an email from a third party account specialist in 6-7 days and she had no other way to assist. I sent two emails to the Venmo email customer service seeking assistance in withdrawing my money. 

On XXXX My email was replied to by account supervisor XXXX and still provided to answer to why my account was suspended or how to access my funds. I replied to his email asking for clear clarification of those same questions on XXXX. He never replied to that follow up email. 

On XXXX Still having no response to my urgent questions, I sent supervisor XXXX XXXX follow up email and called customer service. They said the only way to communicate my concerns was through email and general customer service ( the only customer service offered ) could be of no assistance On XXXX Again having no response or way to access my {$3000.00}, I conducted a customer service chat and was informed that now the 6-7 day wait time to even get a response from Venmo account specialists turned in to a possible 3 week wait time to get a response. I expressed my frustration and desire to simply withdraw my funds from Venmo. 

On XXXX Still having no response from the account supervisors via email from my emails sent on XXXX ad XX/XX/13, I reached out to Venmo customer service via chat. Once again, I was provided no answer to why my account was suspended, how I could access the {$3000.00} of a balance in XXXX, and no contact information or method to contact a general account supervisor or an account specialist. XXXX 's only solution was to " be more patient ''. 

On XXXX Again having no answer or assistance in accessing my {$3000.00} ( now, 16 days after the original account freeze ), I again sent an email to the account supervisor XXXX requesting an explanation to why my account was in violation and how I could access and remove my funds today. I have yet to receive a response.
Consumer complaint received 2018-10-20
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. (SC)

XXXX XXXX  sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that chase bank remove these accounts from my CRs but chase bank declined. XXXX XXXX  was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by chase bank equifax XXXX And XXXX  in a attempt to verify a charge off that does not belong to me. In a recent letter chase bank stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to chase bank requesting assistance with fraud. I have reached out to chase to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX  is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

To whom it may concern : I in good faith filed out an application for Chase Credit Card through the Marriott website for personal, family, and household use on or about XX/XX/2022, pursuant to 12 CFR 1002.2 ( f ). On XX/XX/2022, they denied my application and sent me an adverse action letter pursuant to 12 CFR 1002.2 ( c ). I provided the same account information ( pursuant to 12 CFR 1002.2 ( a ) ) as every approved applicant they have, but they discriminated against me by denying me an extension of my own consumer credit pursuant to 12 CFR 1002.2 ( h ), 12 CFR 1002.2 ( n ) and 12 CFR 1002.2 ( e ). As an aggrieved applicant, their denial is causing me significant harm ( 12 CFR 1002.7 ( a ) ). 

I am requesting a copy of their self-testing and self-correction pursuant to 12 CFR 1002.15. I am also requesting all documentary evidence to ensure they haven't sold my application or pooled it to purchase financial instruments in my name pursuant to 15 USC 44 and 17 CFR 229.1101 ( c ) ( 1 ). 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account 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 a account without my written instruction
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZIONS BANCORPORATION (TX)

Amegy Bank is reporting a credit card opened in my name as charged off. This account was the result of identity theft, I disputed the account with all 3 credit reporting agencies and they verified the account. They FAILED to provide my original signature on the application or contract, they FAILED to provide the original terms of the account, they FAILED to provide proof the account was mine
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

In XX/XX/2017 I opened coinbase ( https : //www.coinbase.com/ ) account to start investing in crypto currency. 

Then I submitted XXXX separate transactions for {$3000.00} each on XX/XX/XXXX and XX/XX/XXXX and only those XXXX transactions were authorized by me. 
Later I looked at the history of my account and there were XXXX transactions to coinbase account {$3000.00} each instead of XXXX! 
I went to XXXX XXXX Bank and cancelled these XXXX transactions. 

I never authorized the other XXXX transactions that coinbase shows took place in my account from XX/XX/XXXX to XX/XX/XXXX. 

To be clear, my XXXX XXXX account should have only had XXXX transactions for a total of {$6000.00} and I should have roughly XXXX litecoins. 

When the unauthorized incorrect transactions were reversed, only the unauthorized transactions should have been reversed. Looking at my account it seems my litecoins were taken from my account sold at the current market price on XX/XX/XXXX to recoup the loss on the unauthorized transactions initiated by coinbase and not me. 

I asked litecoin company XXXX litecoins be returned to my coinbase account. It is not my fault that coinbase wrongfully created additional transactions and it is not my liability. 

Instead of that they closed my account where now I see XXXX Litecoins remaining Instead of XXXX. 

I am upset at the way this business was conducted and seems completely fraudulent in nature. 

Please make an investigation.
Consumer complaint received 2022-04-25
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. (NC)

XX/XX/XXXX To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, eighth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once! 

FRAUDULENT Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} There are also a number of Inquiries that should also be removed. I did not request service or credit from them : XXXX XXXX XXXX XX/XX/XXXX There are also incorrect addresses listed, which I have complained about and request the immediate removal of this incorrect information XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the fraudulent information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I sent letters and called all three-credit bureau 's on XX/XX/2022 and they have not removed these incorrect notations. According to, 15 USC 1681. I did not give no one written consent to furnish anything on my credit report.