davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (CA)

I had before identity theft incident, my identity has been stolen also, my SSN and other financial info, multiple accounts credit cards opened under my name without my knowledge, I have a police report as a proof of that. I request those accounts that does Not belong to me removed from My credit report on transunion credit bureau XXXX XXXX credit bureau/ XXXX credit bureau XXXX 

account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  CXXXX  Account Number XXXX XXXX
Consumer complaint received 2022-11-17
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)

The following companies did not reinvestigate the alleged accounts. XXXX  XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXXXXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? XXXX has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MD)

I opened a JCPenny charge account, then was notified that Synchrony Bank ( SB ) was the holder of my credit card debit. The first payment was paid by check through a hard copy billing statement. Today, XXXX I receive an email from SB saying Opps you did you forget ... this totally blind sided me since I did not receive a hard copy statement nor an email statement, e.g., Your JCPenny payment is due ... So I called them and requested they send my a hard copy statement. The representative said Synchrony does not have to to do that. Well, I lost it saying there was no billing statement notification either by hard copy or electronic notification just a notification that I missed a payment. Synchrony is a scammer bank. Yall lead people down a path of charging late fees when there is no notification of a bill due. The representative reply was Your payment is due the XXXX of every month. Me : How would I know that when there is no notification. No only are you charging me interest on the outstanding balance you charge me a late fee. You are taking advantage of your customers and reporting them to credit Bureaus ruining their credit! This is the second time I have had to deal with scamming bank. They are taking advantage of consumers. I do not have a bank account with them, I have a JCPenny card ; and they bought the debit. Finally I threw at them that they are providing a consumer service. They do not have the right to change a credit card debit to a banking debit w/o my written agreement. Some thing has to be done with this money hungry Bank! Understand they are connected to GE Capital I would like to know what state banking laws they are required to follow. Thank you. XXXX
Consumer complaint received 2019-12-15
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: BARCLAYS BANK DELAWARE (NJ)

At the beginning of XX/XX/2019, while vacationing at the XXXX XXXX in XXXX, Florida, I was sold a conversion of my time share unit with the particular resort. As part of the sale, I was offered a Barclay 's XXXX XXXX   XXXX that was represented by XXXX XXXX personnel that sold/signed me up for the promotional account that it was to be the first six months interest free. Upon my return home, in XX/XX/2019 ( within the first six months of receiving the card and opening the account ), I used the card for a purchase in the amount of approximately {$1300.00}. I was intending to pay off the balance in monthly installments of {$300.00} per month in order to take advantage of the first six months interest free promotion. I was shocked upon receipt of my first statement to discover that I was being charged interest on the balance in clear violation and disregard of the representations made to me by XXXX XXXX personnel. I called XXXXXXXX XXXX twice in XX/XX/2019 in an attempt to obtain a copy of the agreement and application I had signed but did not receive any documentation. After the second call, the number that I had was no longer being answered ( straight to voicemail ). I then reached out to Barclay 's on XX/XX/2019, where I told that if I paid the balance in full before the next statement there would be no interest. Obviously, I countered, that if I paid the balance there could be no interest since the amount would have been paid in full and thus there would be no need for a first six months interest free promotion. After I explained the ridiculousness of their position, their representative then changed the position and said that only XXXX XXXX   purchases were interest free for the first six months. Again, I countered with the fact that this limitation was never stated and was a violation of the general nature of interest free purchases. Nevertheless, after having got nowhere, I called XXXX again on XX/XX/2019. On XX/XX/2019, I spoke with XXXX XXXX from XXXX XXXX who implicitly agreed that the particular card was marketed as the first six months interest free. That was the last conversation with XXXX XXXX personnel on this matter despite trading phone calls and receiving a letter seemingly dismissing my concerns. I believe that I have been subject to a blatant misrepresentation and fraudulent marketing scheme perpetrated by Barclay 's bank, through their agent XXXX XXXX and that both are equally responsible for the fraudulent misrepresentation of a promotional six months interest free period.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights.

As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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. (AL)

XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 XXXX
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ridge & Valley Realty, Inc. (CO)

When I rented from XXXX XXXX, they specifically told me not to complete the property condition report. I paid first months rent, last months rent, plus a deposit. I paid every month on time and I gave them notice I was moving per rental agreement. The damages they claim were already there & were supposed to be repaired but Maintenance refused to give me 24 hour notice & continuously violated my privacy by repeatedly entering the premises. I finally reported this unlawful entry to the police when he attempted to enter after XXXX. I have never been sued for these damages & there is no judgment stating I am liable because there is no proof these damages were caused by me.
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (WA)

I opened an account with US Bank based on marketing solicitation promising a {$400.00} account opening bonus. Because I was an authorized credit card holder, the US Bank online system would not allow me to register for online access and setting up direct deposit as the marketing offer required. I spent several hours over many weeks attempting to fix this with US Bank online support personnel. Only after I tried registering online access for a credit card I received as an authorized user, did I gain access to my new checking account online.

I asked for consideration since the offer required a certain dollar deposit within 90 days of opening. Instead, US Bank claimed that the marketing solicitation was only good for addressed targets. Since the email was sent to my spouse, they would not recognize the offer and after all that work, refused to pay the {$400.00} promised. 

I visited the XXXX, WA branch and asked for the account to be closed. Today, I received a letter from US Bank dated XX/XX/2022, that I owe them XXXX. That they closed my account for an overdraft amount and are demanding payment. Further they state they will report this to credit reporting agencies to prevent me from opening other accounts and make my borrowing more costly. 

I called customer service this afternoon at about XXXX XXXX  I spoke with XXXX. She said that the XXXX XXXX did not close the account. XXXX said that the account was closed for a {$0.00} overdraft and the overdraft fee is {$30.00}. I never received prior notice of a {$0.00} balance owing on this account. I did not use the account for any regular banking business because of the technology issues. That they did not alert me about the balance owing and arbitrarily charged me a {$30.00} fee without any notice is unacceptable. In my view, US Bank reneged on its promise of a {$400.00} payment.

I ask that US Bank rescind this improper charge of {$30.00} and pay me the {$400.00} it owes me.
Consumer complaint received 2019-12-31
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: JPMORGAN CHASE & CO. (CO)

XX/XX/19 contracted with moving company to move sons possessions from one location to another. We were located 250 miles away and could not assist but we paid for the move. The company called us and said the move was done well, so we paid for the move and a tip. Then son contacted us upset that only 1/2 items  were moved and some were broken. Contacted moving company immediately on XX/XX/XXXX My husband also had to drive 250 miles, get trucks and finish the move. 

Moving company said they would review. Called multiple times. Requested their paperwork which was to be signed showing move was ok. They admitted no one signed this but refused to reimburse for poor moving services and broken items. We then disputed the charges of {$560.00} with Chase. Sent in dispute form and all receipts. Chase closed dispute saying they hadnt received the information on their system ... even though this was sent 3 times by fax and secure email. Had to resort to mailing all forms again in XXXX. Then merchant sent a fraudulent form where he forged my signature saying move was ok. I provided copies of all our signatures to Chase to show this was a forgery. Also provided text messages from merchant where he admitted the fraud and promised us he had sent this to Chase through his XXXX banking. 

Chase still refused to honor our dispute. A fraudulent transaction, when identified as such by a credit card customer, must be honored in a dispute. We can not he charged more than {$50.00}. We provided all evidence, including all emails and texts where the merchant admitted the fraud. Yet Chase still honored the merchants charge of {$560.00}. 

Can provide more documents as needed in addition to the texts where merchant admitted fraud
Consumer complaint received 2022-10-01
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)

This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. The debt was sold to another compony called XXXX XXXX XXXX. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt
Consumer complaint received 2022-11-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX 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 Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

When I open this account I signed agreement stating that I did not want over drafting and frees from my account. But today XX/XX/2019 I logon into my account and my account is overdrawn {$430.00} which was because on XX/XX/2019 I filed a Claim Disputed against XXXX XXXX  which when I filed the representative check my account the system and informed me that the merchant did not reserves the changes and continue with the claim or dispute. I'm really concerned that with hours awaiting credit and investigation that Chase Dispute and Transaction did not notice that they credit already and when the merchant credit the account then Chase should have keep the credit since they have already credit my account. I another problem that they informed that they is credit on XX/XX/2019 but when I log into my account I can not see the credit of the transaction if Chase is giving customer access to they account me and others should be able to see the credit. I extremely tired of long in the website and not having access or they changing my password with my permission. Chase Claim Dispute Number is XXXX Option 1 and they Dispute Transaction Number is XXXX same number the both them. I was when call the dispute or claim or charges that They did not finish my claim because I want to speak to supervisors and the submitted it as inquiry. How do you submitted a claim or credit on Inquiry. This should be illegal for me and other to call and dispute charges and it submitted only as inquiry. The Supervisor for the claim department Complaint Number is XXXX. Please investigate Chase Bank policies and ensure that all United States Federal Regulations are being apply to me and other customers. All misconduct and mismanagement found all individuals involved be convicted according to United State Federal Regulations
Consumer complaint received 2019-12-30
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: DISCOVER BANK (CA)

I have a Discover Fin Svcs account for {$4600.00} reporting on my credit, that is not my account. XX/XX/2019, I submitted ; FTC report, police report along with a personal statement from myself to XXXX. I checked my XXXX  online account on XX/XX/2019 and I had received a confirmation from XXXX that, they have received my documents to dispute Discover Fin Svcs. On XX/XX/2019 XXXX removed Discover Fin Svcs from my credit file. Has of XX/XX/2019, Discover Fin Svcs has been resubmitted on my credit profile. On XX/XX/ at XXXX I talked to XXXX ( XXXX XXXX, Supervisor ) with XXXX  and I was told ; Discover Fin Svcs never did provide them with any type of proof, but Discover Fin Svcs did say that the account was my account and XXXX has no obligation to verify that the information being reported by Discover Fin Svcs is accurate. XXXX refused to help me with this item reporting on my report.
Consumer complaint received 2022-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have a loan modification that is serviced by Select Portfolio Servicing Inc.. 
My corrected email is XXXX I tried to update my profile but had trouble opdating it. 
I am supposed to have differed amount waived after XXXX consecutive payments, I have asked for several months including my attorney asked to be corrected over a year ago. 

They continue to refuse to correct and are using a delay tactic when I call them they tell me that I am incorrect about the deferred amount, I have submitted the loan modification documents several times and they continue to delay the process. 

They also failed to explain why there is a {$260.00} monthly fee under other charges and fees. 
" We are submitting your request to the appropriate department '' is their response. 

I have talked to other people who are having the same issues with servicing companies.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

On XX/XX/2022, my primary checking account was frozen because of suspected fraud. I tried reaching out the the company, who has an advertised and listed XXXX fraud department. I spent over XXXX hours waiting for someone to answer the call in the fraud department. I then called the account services department and asked to speak to a supervisor, and was then told that the fraud department does not have a supervisor. Due to this companies inability to manage a fraud department I am now stranded away from home.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (FL)

I had a loan with Wells Fargo, they repossessed the car and sold it- now I owe over {$15.00} still from a $ XXXX loan. I need assistance and a referral to resources to look into my case to see if this qualifies for illegal repossession. I even tried to make a payment at the bank while payments were overdue and they refused and repossessed the car soon after. We are well aware Wells Fargo predatory practices.
Consumer complaint received 2019-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

After a decrease in income, Chase put us through a loan modification agreement. It started on a trial basis, during which all payments were made on time. After the trial ended, payments were maintained at the reduced rate while the documents were signed and notarized. In the meantime, Chase sold our mortgage to XXXX XXXX and failed to complete their process for the loan modification agreement. XXXX XXXX is not honoring the reduced rate that had been previously established. Chase also did not send the last mortgage payment and unallocated funds to XXXX XXXX.