davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (CO)

I had some charges come out of my checking account the weekend of XXXX XX/XX/11. These charges caused my bank account to be overdrawn. I deposited cash at about XXXX XXXX on Monday XX/XX/XXXX that brought my account positive. When I checked my account on XX/XX/XXXX, there were five {$37.00} fees on my account. When I called TCF, they said that their cutoff time is XXXX XXXX  MST and that they wont reverse the fees. I find it excessive and unconscionable that a bank can have a XXXX XXXX  cutoff time and charge me {$180.00} for making a cash deposit twenty minutes too late. The bank will not provide me their policy in writing either. I filed a complaint with a supervisor and they said that they would get back to me in ten days, but in the past, those promises have been unkept by TCF. They have inconvenienced me multiple times with system outages and ATM outages related to their merger with Huntington Bank. I feel that they should reciprocate by waiving these fees based on the details Ive laid out here.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

I have a potentially negative account from XXXX XXXX XXXX. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with XXXX XXXX and it still has not been removed from my credit report
Consumer complaint received 2021-09-01
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. (CA)

I have disputed a charge for XXXX from XXXX on my Chase credit card. 
However, Chase rejected my dispute out right without investigating it. 

This is a violation of my rights under Federal Fair Credit Act.
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The accounts and inquiries listed below are fraudulent. These are unautherized I did not contact any of these creditors, nor do I have possession of any of the things belonging to these accounts and inquiries. Please remove these accounts and inquiries. I was told to fill out this FTC document that is attached to this complaint. I have also attached my ideninfication to this complaint, to help ideninfy me. Please remove these accounts and inquiries below as they are fraudulent and someone has stolen my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (LA)

XX/XX/XXXX I reached out to XXXX XXXXXXXX XXXX and discover about fraudulent credit cards opened using my information I have yet to receive call email letter or text about the status of their investigation and try to remove fee of {$2000.00} opened with debt collector XXXX XXXX XXXX in XX/XX/2022. On XX/XX/XXXX I found a charge of {$1500.00} opened on XX/XX/2022 form a new discover card. lastly is a {$300.00} charge to a XXXX XXXX account that is now closed. I have tried calling the respective agencies and have had no further update on the matter. I have tried filling police reports in XXXX XXXX where I live and in XXXX XXXX tn where the fraud address are located. The discover accounts do have phone number and emails attached to them that have been told to me but have not been written down
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc. (AZ)

Account Name : RGS FINANCIAL ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (KS)

In XX/XX/XXXX I called Nelnet to see if my student loans were protected under the CARES ACT. They informed me that my student loans were from a private lender and are not backed by the federal government, however, I could request to defer them due to the coronavirus, which I did and they told me that my loans would be deferred until XXXX. In XX/XX/XXXX Nelnet reported to all 3 credit bureaus that I was 90 days late on my student loan payments, without a single correspondence of any kind to me. This lowered my credit score over 100 points. I called Nelnet about it and they told me that for some reason my request was not processed in XXXX, but I could file another request, which I did and I have a letter stating that my student loans are deferred until XX/XX/XXXX. I also asked them if they could change the late payment status on my credit report. THEY told me to file a dispute with all 3 credit bureaus and that Nelnet would not challenge the dispute. I filed a dispute with all 3 credit bureaus and in XX/XX/XXXX Nelnet refused to change the late payment status. I called them about it and they told me that, internally, they are only allowed to change credit reporting for " natural '' disasters and that the federal government only declared the coronavirus pandemic a disaster, not a " natural '' disaster. I believe that this is an absolutely ridiculous technicality that is entirely the fault of Nelnet, but as of now, it will have a devastating affect on my credit and my life for the next 7-10 years.
Consumer complaint received 2020-08-18
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. (AR)

XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2023-01-23
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. (LA)

XXXX XXXX XXXX is reporting XXXX confidential non public personal information. Consumer Law is dependent on privacy. Truth in Lending does not Include Transactions and Experiences between consumer and person making the report
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TN)

I am XXXX  and live on Social Security. FOR SIX DAYS Venmo has denied my access to my funds even though i gave them 10 pieces of personal information to identify myself. 

This seems XXXX  and vindictive.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC (OK)

This company contacts me daily and is starting to harass known associates as well. When I ask what this is in regards to they just tell me a dollar amount that I " owe them '' and says they will sue me. The reps I have spoken to have been very rude and unprofessional. There is nothing on my credit report and I have no outstanding debts, and yet this unlicensed " collection agency '' keeps harassing me and incorrectly quoting the FDCPA.
Consumer complaint received 2021-07-13
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: SYNCHRONY FINANCIAL (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB/JCP Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I applied for the Verizon Visa card, I have good credit XXXX XXXX the credit bureau that was used my score is XXXX, I have a 100 % pay history no delinquent accounts. I have had credit cards on my account over 3 years I have XXXX balances on all my cards, my inquiries 7 are for the cards I applied too which were all approved, I submitted my application for the Verizon Visa card thinking My credit is in great shape I also have had my Verizon account for over 6 years never late on payments which I have a credit line for {$5000.00} for Verizon phone products. I received a letter stating my application was denied they listed 4 reasons which none apply to me, they also said I had no mortgage information? I live in a apartment I have applied with synchrony bank in the past with XXXX @ old navy & they have never approved my applications I applied for the XXXX XXXX  the same time & was instantly approved.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NM)

Kia Motor Finance mailed checks refunding to me three of my on-time payments and then falsely reported me to credit agencies as having made late payments. 

I mailed to Kia an official dispute ( see attached ), and rather than correcting their error, they denied my dispute ( see attached ).

Kia changed my account number without explanation or reasonable notification. Kia did not notify me that they would reject payments to the old number. Kia included with the refund checks no explanation as to why they were sent. Kia did not simply forward my payments through their accounting system to the new account number.

Kia 's telephone support personnel repeatedly asked me if I had traded in my vehicle or initiated some kind of change, and I informed them I had made no change whatsoever. They commented that such a change in account number is unusual. The fact that they all regarded the change as unusual, after having had a great deal of difficulty even identifying their changed number as the cause of the problem, highlights that Kia caused the problem.

If a problem occurs, and Kia is even SLIGHTLY at fault, I would hope they would not blame me. While I wish I had detected the changed number on the bills and intervened to change the apparently crucial account check memo number on my XXXX  XXXX XXXX electronic check payment, in this situation, Kia was not slightly at fault, but LARGELY at fault. 

Even if the fault is debatable, it gains Kia nothing by refusing to retract their adverse credit agency reporting against me, and may lose me as a customer forever. In spite of being repeatedly told by their phone representatives Kia would waive late charges, late charges are still appearing on my bill. 

See attached documents for dates, addresses, and evidence from Kia 's own web site for received payment dates.
Consumer complaint received 2020-08-14
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. (OH)

This is not my account. Please provide verification, method of verification and validation f debt. There are errors in this account it has no " late payment dates ''. Please remove ASAP. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that Synchrony Bank/XXXX  had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX  erased the information in XX/XX/XXXX but I entered a dispute with XXXX in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TX)

I got an email saying that my prepaid card materials had been returned as undeliverable, and that I needed to update my physical address. I spoke with one associate earlier this morning, about XXXX and he said that it was marketing, not to worry, etc. I called about XXXX later this morning and she was trying to verify my SSN and it wasn't pulling up my account. I told her I didn't know the physical address on file since I never applied for it in the first place. I got a little frustrated saying that since I got the email, that the account had been opened without my knowledge. She said that she would close the account and that they would forward it to their ( other ) department and that no further action was needed, except to contact the FTC and file a complaint.
Consumer complaint received 2020-08-14
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. (AR)

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}
Consumer complaint received 2020-08-14
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. (FL)

I am writing to inform you that you are continuing report in inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action.
Consumer complaint received 2020-08-11
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: DISCOVER BANK (DE)

On XX/XX/2020 I purchased the software from XXXX for protection of my computer. When it was loaded into my computer I could not use Internet because that software started to block access by firewall. I had to remove the software in order to get access to the Internet. When I saw the charge on XX/XX/2020 I called Discover Card and disputed the charge. I did so after calling XXXX who told me that they know about this problem and I was supposed to contact their technical support in attempt to resolve the issue. First of all, I did not about their technical support because their e-mail did not notify me about existence of such support, and then they told me that my request was supposed to be within 30 days. My call ion XX/XX/2020 was exactly on the XXXX day. Since XXXX refused to give me a credit I called Discover card and disputed the charge. Discover card gave me a credit but then I received my new statement that charge of {$39.00} was again posted to our account on the same day of XX/XX/2020. When I called Discover card XX/XX/2020 I was told by Mr. XXXX from Ohio office that I was supposed to have a written confirmation from XXXX that their software prevented me from accessing Internet and that my call on XX/XX/2020 was on 31 first day which is not true because by legal standards counting starts on the following day and XXXX had 30 days span. Mr. XXXX refused to give us a credit for that merchandise which does not exist on my computer because it was faulty.