davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit Reporting act XXXX  account XXXX  has violated my rights 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (AL)

On XX/XX/2020, I paid a debt with True Accord, whom was the collection agency for XXXX, XXXX. Since, they have placed the amount back on my credit report and drop my points by 20. I called and was told to contact True Accord, in which I did and they stated they would send the request a 3rd time in which True Accord stated they have sent the request. XXXX has refused to update their records and delete the account.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

All three credit bureaus are stating that my XXXX XXXX XXXX XXXX  account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have XXXX cards with Capital One. My ex-fiance, who was an authorized user, wanted to pay my card balance on XXXX of the cards. The payments were returned because of the type of account. So I paid the balances myself. Because the XXXX payments were returned, Capital One wants proof that the account used to pay the XXXX payments is in his name, they requested a copy of his bank statement as proof, even though I immediately paid the XXXX cards off myself when I was informed of the payment returns. Because my ex-partner wouldn't give me the information I cut all ties with him. I have informed then many times I am unable to get the info requested and explained the circumstances, but they not only restricted use of those XXXX cards involved, but also my other XXXX cards with them. They say they can not do anything further without the information every time I talk to them, even though I keep explaining why I can not provide it. I have also asked them several times to remove him from the account but they have not/will not. Additionally, when I paid the card balances, it created a credit of {$47.00}. This credit sat on the account since XXXX. On XX/XX/XXXX they show a 'credit refund ', but they have not refunded to me, nor will they tell me where the refund is. They just insist as the accounts are in 'investigation ' so they are unable to take any action. My bank account was fraudulently used on the same day my last payments were due on XXXX of the cards. So I tried to change the payment source but it was too late as they were already in process. So I went to the bank and restricted the account so the only thing that would go out of my account were those XXXX payments. Unfortuately, the bank did not honor the arrangement to cover these and they were returned. I immediately made replacement payments as I knew they would be returned from what I saw on my banking. I was charged on each of the XXXX accounts a {$25.00} returned payment fee, and a {$25.00} late payment fee. I called Cap One to explain and was told that this also was something they would not assist with due to the situation ( their insistence of document I CAN NOT get ) .I will try to upload the statements showing the credit amount account info.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (CT)

I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

Ive never heard of Truist back until I got a notice in the mail. A few days later I get an email from ( XXXX ) to my personal email account. I called the branch closest to me and got the number for the fraud dept, it was the same phone number in the email. But when you call people with accents are asking for my social security number. Seems very fishy but see as the number came from someone at the branch this whole bank seems fishy.
Consumer complaint received 2022-11-04
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: REGIONS FINANCIAL CORPORATION (OK)

On XX/XX/XXXX, one of our business cards was used to make four ( 4 ) purchases of {$150.00} each ( total of {$600.00} ) for XXXX XXXX. Fleetcor notified us of potential fraud, and we informed them that the transactions were fraudulent because the employee who supposedly used the card was an hour away from where the charges were made. We also immediately cancelled the card. After filling out the proper paperwork, XXXXeetcor is refusing to process our claim. It isn't that the gas station has denied our request. It is that Fleetcor won't even attempt to process a chargeback because we have more than 10 cards with them. This was their immediate response : Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim. 

Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards. 

While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NY)

I have been trying to deal with XXXX XXXX XXXX  and their conversation to US Bank and US Bank has refused to provide me any information on my account. I have tried calling, emailing, sending XXXX messages, and asking for a manager and have reached out to their regulator and still have received nothing about my account. I fear that as a XXXX minority that I am being ignored. 

I have been told that to get any information on my account I have to drive from the XXXX NY area to a physical branch. I have requested paper copies of the disclosure and the account information that they have told me they would provide. They have to date refused to provide me with any disclosures on my account as apparently they are required to provide according to XXXX XXXX XXXX I have called them over a dozen times and they have not helped me. I have reached out to you and all you do is forward me a copy of a letter telling me to contact them. As a XXXX minority who lives several hundred miles away from a US Bank Branch it is hard for me to get to a branch and I simply have asked for a reasonable accommodation to obtain information about an account I was never told would be transferred to US Bank. I fear that this is some unfair sales practice designed to steal my money. 

Please help me find my stolen money. 
XXXX XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MA)

Hello Im filing this complained with you today. Im not sure if I marked the correct circles. This is the debt collector name PHOENIX FINANCIAL SERV the amount is XXXX it was for XXXX XXXX   XXXX. I was unaware that I owed this money I was in an accident in XXXX the XXXX was in XXXX I was under the understanding that it would all be covered by the car insurance XXXX was paid out over XXXX was paid to medical and I was never notified that I owed anything. I tired calling the XXXX  billing department they were less than cooperative. I moved back home to XXXX  and never thought about medical bills from that XXXX again as I stated I was not aware I owed anything. I am XXXX and XXXX  living off of XXXX trying to survive. I dont understand how they can ruin my credit when they never reached out to me til almost 3 years later. Please help
Consumer complaint received 2023-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Hello, My student loan servicer is MOHELA and I reached XXXX qualifying payments at a qualifying employer in XX/XX/XXXX for Public Service Loan Forgiveness. I submitted my PSLF Certification and Application to MOHELA on XX/XX/XXXX and the form was signed and dated by me and my employer representative on XX/XX/XXXX. When I checked on the status of the form on the MOHELA website, the status shows " Duplicate Form '' and " A duplicate application was processed as Canceled. '' The form I submitted on XX/XX/XXXX is not a duplicate form. The last time I submitted a PSLF Certification and Application to MOHELA was on XX/XX/XXXX and that prior form was signed and dated by me and my employer representative on XX/XX/XXXX. The XX/XX/XXXX is a new form that MOHELA has not processed. MOHELA needs to process the XX/XX/XXXX form so that my XXXX qualifying payments are counted and I am able to get my loans forgiveness through XXXX. The form is absolutely not a duplicate form and was incorrectly cancelled. 

I am attaching my XX/XX/XXXX form and XX/XX/XXXX form as attachments. They are not duplicate forms, and cover different time periods of employment for the same employer ( XXXX XXXX ).
Consumer complaint received 2022-12-03
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. (MI)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-07
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 am filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.
Consumer complaint received 2023-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Had launched complaint about Pedfed Credit Union, they responded with false information to me that can be proven with documents provided to me by PenFed Credit Union. Stating my payments were adjusted to {$990.00} after insurance was dropped in XX/XX/XXXX, but I have records ( Example ) showing on XXXX XXXX XXXX my payments was {$990.00}, and at beginning of my Home Equity Loan was {$990.00}
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

I tried placing a security freeze on the credit files for each of my XXXX children. Experian only placed the freeze correctly for XXXX of my children, and sent me confirmation. The other 3 requests were disregarded as duplicate requests for myself, even though every request had individualized information, was sent in a separate envelope, and contained a written statement from myself detailing the nature of the request. I am unable to contact a live person at the company via phone as all of their numbers are automated, and no email address exists for consumer inquiry, nor is there the option for me to chat online with a representative.
Consumer complaint received 2023-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northern Service Bureau, Escanaba Inc. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additional, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please.

XXXX XXXX  I have 2 accounts that should be removed from my credit report
Consumer complaint received 2023-02-24
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

This is the third time I have dealt with Midwest Recovery Systems reporting to my credit bureau. Once already for an illegal payday loan that was over 10 years old, that they put on my credit. And another for a debt that they never sent me any notification on, and agreed to stop all collection attempts. And YET again, I have to deal with them a third time, where I got ZERO written notification on this debt through the mail that I could dispute the account, and it just APPEARED on my credit report. At this point, after 3 times of this occurring by the same collection agency, with no communication via writing, before these collections appear on my account, it is pretty obvious that they do not follow the law. 

Midwest Recovery Systems, XXXX. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my Experian report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. Alleged balance : {$990.00} Original Debtor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in the state in which the debt was incurred and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

I have a Best Buy Rewards Visa card issued by Citi. This card has a very high interest rate XXXX APR, and the rewards certificate issued by Best Buy for using their card, expires after a certain period of time, and can only be used at Best Buy. 

The reason for my complaint is the fact that they purposely allowed me use {$610.00} over my credit limit without my consent, and then they billed me a very high minimum payment amount, plus interest. 
In XXXX my minimum payment was {$970.00}. When I called Customer service to inquire why my minimum payment was that high, she told me that I went over my credit limit. I said to her that card are supposed to decline when a customer goes of credit limit. She answered that " we allow you to go over your credit limit because we don't want to embarrass you by declining the charge ''. I could not pay the {$970.00}, I paid {$500.00}, which satisfied my minimum payment minus over the credit limit. 

In XXXX my minimum payment again was {$740.00}, to which I paid a total of {$530.00}, of which they charged {$250.00} on interest. I spoke to customer service again to complain, and nothing was done. The over the limit was reported to the credit bureau which has affected by credit score. 

Credit card companies should not allow one to exceed their credit limit without one 's consent, there should be an option for XXXX to opt in or out. The Best Buy credit card is a complete rip off.
Consumer complaint received 2023-02-24
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: KEYCORP (ID)

For 10+ years my XXXX XXXX came out of KeyBank CC. The XXXX account is 2nd of the month to the 2nd so when I originally started I would have been charged/set up on the 2nd. CC statement is 13th of the month, so I would have received my CC bill with the new charge on THAT month 's statement. Let 's just say for a moment the first bill did NOT hit in time, they would have received the 2nd bill from XXXX before my next due date with Key and I would have paid double to catch up. I have always paid on time. XX/XX/2023 I cancelled my XXXX account. The last bill that XXXX shows they sent Key was XX/XX/XXXX and on-line it shows XXXX balance, Key paid on the 12th and I paid Key, and they reflect that on the 28th. I get a bill from Key in XXXX for my normal payment. If XXXX didn't send them a bill, what am I reimbursing?? I asked Key to send me PROOF that they received a bill and if I'm wrong I will pay., They keep telling me I am paying for previous month which makes NO sense as XXXX bills in advance. I could be 100 % wrong about owing and if I am I have no problems paying, I just want proof and do not trust big banks to be honest at all. Once a Company ( and they have with me ) or person has lied, when can you believe they are truthful. So that I have no glitches on my credit I did pay bill but if in fact I am right and they are wrong, how much money are they making illegitimately on 10 's of thousand of people doing what I did? Unfortunately I'm using common sense that says if they received no bill, I should not receive one either