davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
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: DISCOVER BANK (VA)

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX  under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian report number XXXX I have notified Experian in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting southern management system and XXXX XXXX XXXX on my credit report. These accounts are inaccurate and must remove for violation. 
I do not understand how its Experian opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Experian get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies on my credit report.
Consumer complaint received 2019-03-12
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: JPMORGAN CHASE & CO. (FL)

I received an alert, that I had a hard inquiry on my XXXX  credit report on XX/XX/2019. I viewed it and it was from Chase Card. I contacted the business the following day, informing them about the alert and the fraudulent hard inquiry and was told to dispute with XXXX. I did not dispute with XXXX, because I have a fraud alert attached to my credit report, because of previous fraudulent activity and any company that receives an appliication is to contact me and Chase Card did not.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION (FL)

in XX/XX/XXXX I am attracted by work downtime calamities, going through a financial downturn in XX/XX/XXXX I request a request for forgiveness so as not to pay for the coming months 2 months I speak with the bank regions which the operator tells me that if I qualify for forgiveness and sent via email with the form, which was sent by me and I had no contact with them through email, I continue to send my monthly payments and in XX/XX/XXXX I find out the receipts that appear 2 months to pay which I hear that the letter of forgiveness was incomplete because the reason was not included in writing within the application, Now it appears to me reported in my credit record the 6 months as if I were trapped 30 days for each month ... that totally lowered my score which I am requesting a line of credit and I find out that all those months affected me totally having fulfilled their requests I need that please take into account the documents that demonstrate the fulfillment It is not good for me to report because of a communication error and not lack of payment or request from my partner.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

Have asked company to validate debt by showing court documents of debt allegedly owed and they have failed to do so. Have disputed over 3 year period and company is not removing from credit therefore causing exxtreme hardship.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I requested a substantiation of account of account which they are required to provide within 30 days but they failed to meet the request. 

This summons was never served therefore, the judgement is defective. 

They are also trying to collect wages from a firm that I am not employed with rather a independent contractor and recieve no wages. 
When I called the XXXX to explain, he tried to bully me in and pay anyway eventhough the wage garnishment has no jurisdiction if I am not an employee.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

To Who It May Concern In XXXX, we went to a bank to get a mortgage. The bank indicated that Experian ( XXXX ) reported that over the past 7 years we were late 7 times 90 days, 1 time 60 days, and 5 times 120 days. WE HAVE NOT EVER BEEN LATE! Whats more, you are selling the loan effective XX/XX/XXXX. Ive sent Experian my payment history and they claim they have not heard from you yet, that was today. We are trying to close on the property XX/XX/XXXX and I am PLEADING with you to please ASAP contact them and set this straight. We have been good customers and I believe we deserve your prompt attention. The other agencies report current with no late payments. They also told me you have till the XXXX or it will stay on my credit reports. Please call me ASAP! Attached is the payment history XXXX sent to me. Attached are bank statements corresponding with those dates claimed late.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX purchased vehicle advised 14 % interest due to medical billing ( XXXX treatments ) on credit report, payments at {$660.00}, maintained payments, was granted a reduction in payments but they added time to agreement. Filed chapter XXXX XX/XX/XXXX, Santander closed my online account and refused to provide my account statements or access to my online account. Due dates changed I called in to make payments amounts went up, company reps advised that they wouldn't supply any correspondence since I filed chapter XXXX, would laugh and tell me that I would have to pay amounts they directed requested bankruptcy department, disconnected or told my account wasn't available. Paper statements and account ceased, payments went from {$660.00} to over {$700.00}, told that it was late fees as due date was now XXXX ( each call it changed ). At risk of losing home to foreclosure due to amount of vehicle payments. Other vehicle was totaled in an accident so this vehicle was reliable transportation need help to reduce payments and interest have paid for vehicle {$26000.00}, tried to, process settlement arrangements please assist. Thank you for your time and consideration
Consumer complaint received 2019-11-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Consumer complaint received 2019-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

It is very difficult to contact a live person at Navient without waiting long periods of time on hold or a call back. Considering the high interest rate they are charging students ( and government when they repay loans based upon service ) they should not have this problem.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

My account was reported to be 30 days past due in XX/XX/XXXX. The payment was never made late. I called the company on XX/XX/XXXX to have the issue looked at. I was told by a woman named XXXX that they can not look at account activity that is more than 6 months old.
Consumer complaint received 2019-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc. (CO)

We were offered a free in home water test and told we needed a filtrations system to clean our water. The systems were very expensive so the company offered financing. We were lied to about the products and what they would do. We were lied to about the warranty and it's transferability. We were told that we would get all our paperwork after the product was installed. Once the product was installed and financing went through we found out they lied to us about everything so we had the water tested again and found out the water from the filtration system is dirtier than the water from the mail line. We requested a refund. The company wants to charge us again for having the product picked up and will not refund the credit the finance company. It is so complicated that I can't even accurately restate it but they refuse to issue a whole refund even though we were clearly lied to to get the equipment and then knowing the equipment is not even working as promised. We spent over 5,400.00 on this system and have been lied to and miss led the whole way through every step.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (ME)

I received a letter on XX/XX/XXXX about a debt from XXXX from the company called convergent outsourcing, Inc. Their address is PO Box XXXX, XXXX XXXX WA XXXX or XXXX XXXX XXXX XXXX. I do not have any debt from XXXX. This looks like a scam letter.
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (ID)

I have 3 Devices that access coinbase. In early XXXX my " computer '' coinbase account asked me to confirm my account through an e mail link. That never arrived. Later in XXXX both my cell phone and tablet asked to verify my account through a caoinbase email. neither of those have ever come through. I did what coinbase asked, checked my spam, added them to my contact list. Nothing. I've called 9 times since XX/XX/XXXX, to no avail. customer service is a sham, all they say is we'll look into it, and send you a e mail when we fix it. The emails from customer service do arrive, so coinbase emails are getting through. Its been 2 weeks now, I can not log into coinbase, I can not see my accounts, I can not withdraw my money.

All I get form the " yes customer service people '' is their working on it. Never gets fixed, my computer has been locked out for 6 weeks.

I'm not the only one! 

https : XXXX
Consumer complaint received 2020-04-09
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)

XXXX and Equifax Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these XXXX  thing happening again XXXX  has allowed numerous inquiries on it. 
please can someone do something about this XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX   XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX  XXXX   Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I recently received a copy of my experian credit report where an account with credit first was reporting as 90 days late and an incorrect balance, I started a dispute on the account and experian notified me the dispute was complete a day later, I them viewed my credit file where experian now showed the account over 90 days late with a corrected lower balance ... this means experian didnt update the payment history as I should not be showing 90 days late for XXXX
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Accounts XXXXXXXX and XXXXXXXX Military Affiliate Credit Cards. Credit limits for both cards {$27000.00} based on false consumer house hold income of {$150000.00}. USAA participate in consumer and bank fraud along with their business partner XXXX known as XXXX XXXX XXXX base in Nevada. XXXX is dishonest of raising capital for their clients through their business partner USAA and many other banks who participate in consumer and bank fraud such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX by filling out false information online consumer credit application and using false information and false Business Projected Income as Stated Income in the consumer house hold annual income to allow for the client to get a high credit limits for start ups. This is called fraud. It is not the consumer fault of deception by XXXX XXXX XXXX and the Banks. Business Projected Income is use for business credit and loans for business. Stated Income mainly a Stated Income Mortgage where you provide some documents such as bank statement. There are hardly any more banks accept Stated Income due to the market crash. Due to Dodd Frank Act lenders are required to ask for proof of Income to meet the reqiurments.. USAA is only for USAA members and Military and family members. The Military affiliate credit cards were never open to Non Members and Non Military at any giving time. Sending me phony XXXX tax forms and a {$10.00} dollar refund check with different account numbers. XXXX and USAA are still working together to commit consumer and bank fraud. USAA is destroying my credit due to their action of wrong doing. I had tried to communicate with USAA by emails. All USAA is reading my emails and not responding I am being ignored. USAA is not denying anything that I am accusing them of. I only communicate by email and not by phone. I GOT XXXX!! USAA needs to respond to my complaint online and not send me a letter with their response unless USAA got something to hide
Consumer complaint received 2019-03-12
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. (NJ)

I submitted a dispute to clear up a wrongful Past due payment from XX/XX/XXXX, they ended up adding another past due for XX/XX/XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than 100pts.
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Charlottesville Bureau of Credits, Inc (VA)

A credit collection company claims I have a debt with them from XXXX when I was in college under the financial support and insurance of my parents. I called the original creditor to understand where this XXXX debt is coming from or why I never received any form of them attempting to collect the debts 1,2,3 or 4 years later ( it is now XXXX ). They claim to have contacted me in XX/XX/XXXX when it was turned over to them but haven't followed up since. Now that the collector has it they have been reporting it to the credit reporting agencies, but not attempting to collect it. 

Many complaints on this site, consumerfinance.gov, state that consumers are constantly contacted about a debt that they owe by collectors. One can assume that this is to reinforce that the consumer owes this collector a payment for a valid debt and that the collector still needs this payment. Until served a cease and deist letter or request, the collector can continue to contact the consumer. I never served this collector with a cease and desist letter, so I am unaware why they would stop contacting me for this debt that they still needed payment for. They stopped contacting me, but yet still reported to credit reporting agencies as needing to being paid. I only know they were reporting all these years after being provided a credit report which I received after being turned down for a loan due to the credit score this company has ruined.

I firmly believe they are preying on the mistakes of financial uneducated and un-experienced XXXX year old faced with medical bills they needed help paying and are now just out to destroy my credit. They show little worry about collecting the actual debt.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

I have been trying to access my Credit Reports from XXXX, Experian and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I paid a medical debt on my credit directly to XXXX XXXX XXXX. I have informed both XXXX XXXX XXXX of the payment as well as the 3rd party company Eastern Account Systems. I was promised removal of debt from my credit reports XXXX, XXXX  and XXXX upon payment. I want the negative remark removed from my credit because its damaging my ability to purchase a home and obtain new credit.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for an American Express Gold Card on XX/XX/XXXX using a referral link from my friend. The advertisement promises a XXXX point sign-up bonus with qualified spending. 

When I finished the spending in time, I didn't receive the point, so I asked Amex about this problem on XX/XX/XXXX. However they told me that my sign-up offer was declined. They failed to give me a reason at that time and asked for a 10-15 business day period for investigation. 

I later on checked with Amex on XX/XX/XXXX about the investigation and they gave a reason : the bonus was declined because I have closed another credit card from Amex. And they told me that in terms and conditions they reserved the right to decline any reward that they promised. As a fact, this terms and condition is not obvious to customers. Nearly no one noticed it when applying the card. Especially comparing to the obvious large letters saying " XXXX bonus ''. 

When I asked Amex to return my annual fee and close my card, they refused. The reason is that they don't have access to the system and can not do it.

I'm considering it as a fake advertisement which hides complete information from customers. It also ask user to pay ( annual fee ) for something different from what they advertised. This behavior is extremely dishonest.