davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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. (NE)

Experian credit bureau should be required to have live agents to answer the phone. I had to freeze my credit because the credit bureau 's can not keep my information safe. Then when I need to open an account I have to go unfreeze my credit. Their website does not allow me access even though I answered all the security questions correctly. They want me to send in a letter. I need the account open ASAP. If someone answers the phone I could get help. Everything is automated. A company with this much control over your financial business should be required to have real staff to help out on unique situations. Its is unacceptable to not be able to get a resolution without sending in a letter. Completely frustrating, unprofessional nonsense. Its like having a XXXX service that you can not call. I can call my local XXXX and get someone to pick up the phone. This needs to be addressed and have stringent requirements installed.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Yes Equifax has beening sharing my information with ut my consent and they also is reporting information on my credit report that dont supposed to be reporting. 
These are the laws they have violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

Furthermore, my address, employment data, name and credit history were compromised during the breach that acquired back in 2017. I am demanding that all the accounts that are listed be remove from my credit report per the FCRA, Privacy Act and the Gramm-Leach-Bliley Act that protects Consumer Rights and the information.
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

i received a phone from XXXX XXXX XXXX and they left a voicemail stating they were calling on behalf of XXXX XXXX XXXX. I called backed confused. I spoke with a female representative who was going into detail about the debt owed. I told her she doesn't need to go into anything further this has been taken care of. She proceeded to say she needs proof. I told her I didn't have it and asked if she could call the doctor 's office and she said no. she needs it from me or its going to stay in collections. She proceeded to hang up on me.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (NY)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2019-02-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc. (OH)

The company XXXX contacted my sister around XXXX on XX/XX/2019. The representative was very rude with her and said she better have her ( me ) contact us or were going to SUE. I called the number back numerous time just trying to find out what company it actually was. He left a voicemail that didnt state what company he was calling from. When I called back, it just kept going to his voicemail. I finally got a live person and I asked for a supervisor. I was put on hold and after around 4 minutes, the lady tried to locate my account but couldnt find me. Finally she found me and didnt verify she was speaking to me and didnt ask for the last four of my social security number. She stated the last four of your social is XXXX. I explained to her this is not aloud and she was very nice but she still didnt get the proper personal information before discussing my account.
Consumer complaint received 2022-08-21
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. (MI)

I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them XXXX not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. Equifax and XXXX have removed XXXX XXXX from my credit report but XXXX XXXX is keeping it there they said its verified but they do not have a copy of the original contract for the XXXX XXXX.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act the following accounts below have violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give written consent for theses accounts to be on my report THE ABOVE ACCOUNTS HAVE violated my rights. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by including transactions and experiences by including late payment and utilization. 
Because of the violation i would like the about accounts in violation of the fcra to be deleted from my report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

On XX/XX//18, I put a deposit down on a wedding dress for my daughter at XXXX XXXX in XXXX XXXX PA. The amount was {$350.00}. The bridal shop closed their business down and refused to let me pickup the dress and refused to refund my deposit. I reported this to Bancorp and filed a dispute on XX/XX/XXXX. Bancorp refuses to give me any information on the status of my claim, or they say that the investigation is ongoing, or that they have to contact the merchant, and they continue to change the date that the dispute investigation will be complete. I have explained over and over that this merchant is no longer in business and they are not reachable. I provided Bancorp with all requested information and they continue to play games with completing this. Today when I called for an update, the first agent in claims told me a decision would be made by XX/XX/XXXX. When I asked to speak with a supervisor, she said it wouldnt be until XX/XX/XXXX. It is absolutely ridiculous that this merchant has been allowed to fraudulently keep my funds and not provide a product! I want my money refunded immediately! 
Please help! 
XXXX XXXX
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Received my Citi Costco Visa bill noticed at least two charges by XXXX XXXX two I don't do business with. I called Citibank frauds and they said they would investigate the two charges as fraud. This was done on or about XX/XX/XXXX. I called last week XX/XX/XXXX cause the new bill charged me interest of XXXX due to them not taking the XXXX XXXX charges to the side. Citi card customer service said to call back today XX/XX/XXXX. To check on the fraud investigation, customer service female hung up on me before I could get name. Then called customer service rep. Said I just added fraud on XX/XX/XXXX, which is incorrect cause I called in XXXX and Citi frauds only put one of the three XXXX XXXX charges as fraud and credited me back, so two are left. They are incompetent and have no reference number to go back at them with, so they say we don't see any fraud complaints from you. Please help. Charging me interest on fraud and have a XXXX XXXX attitude toward corrected such fraud.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2018 Transunion received from me a certified mail ( XXXX ) in which I am requesting to investigate information that is hurting my credit and in a clear violation to the federal law ... 

XXXX reporting a past due balance of XXXX in a collection account which represent a violation to the federal law ... 

XXXX XXXX reporting a past due balance in a collection account. 

The answer from Transunion was to sent me an updated results of their investigation and I attached the picture of the results where Transunion keep reporting a past due balance in collection account represennting a violation to the federal law .... 

I AM ATTACHING THE PHOTO WITH THE PROOF OF THEIR INVESTIGATION AND CIRCLE THE VIOLATION ... past due balance in a collection account is a Violation.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (WA)

Convergent Outsourcing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX, Convergent Outsourcing is blatantly reporting to credit bureaus false information about a debt I do not owe to XXXX that dates back to 2013. Account was closed and no monies are due.
Consumer complaint received 2019-02-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (OH)

I personally have been called daily by GC Services even though I set up a payment arrangement with them six months ago and have paid on time every month. They call me daily, have called my brother, my father, my ex brother in law, my current brother in law, and my ex husband. They have told these individuals that they were trying to locate me for repayment of a student loan. 

I called them today and they stated that they wanted to increase my payment from {$100.00} to {$300.00} because of information that I sent back in XX/XX/XXXX. I have been paying on time every month for six months and they state that none of the payments I have paid are pulling my loan out of default status because they believe I should be paying more.They also stated that I would have to make the higher payment for nine months before my loan would be removed from default status. They said that all the payments I had already made were applied to my loan, but that it didn't remove it out of default status. They also stated that I could be reviewed for wage garnishments or liens even though I am making payments. 

At the very end of an hour long conversation, they stated that I could be eligible for removal from default status if I consolidated my loans. They provided me this phone number to call to consolidate : XXXX. This phone number only leads to an endless loop of bogus offers for discounts on cell phones etc. 

I asked them to stop calling me and everyone else related to me. I did apply for loan consolidation through the department of education website. 

This company told individuals I did not approve to know that this call was in regards to a student loan debt. The call that disclosed that most recently was today. Please help this harassment stop and prosecute these individuals for predatory practices. Thank you for your time.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is concerning XXXX Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX called me  to inform me of the fraud and told me they would close the card as they did and I agreed. Transunion & XXXX refuse to remove from my credit history after they been shown the information as FRAUD
Consumer complaint received 2019-02-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

I never received the final damage assessment bill from Kia Motor Finance ( KMF ) for my returned lease on a XXXX Kia XXXX -- the damage was assessed in XX/XX/XXXX. I never received the bill, despite KMF having the correct phone number, email address, and mailing address on file for a second vehicle I leased from KMF in XX/XX/XXXX ( note : the same phone number and email address were also on file for my XXXX lease ). Since I was never notified of or received the damage assessment bill, I had no ability to pay the bill - causing me to go delinquent on the {$330.00} amount. 

In XX/XX/XXXX, I noticed my credit score had dropped 50+ points. After some digging, I finally discovered the delinquent KMF bill and paid it off right away via the KMF phone line. I believe the delinquency on the bill is KMF / the Kia dealership 's fault and should not be reflected on my credit report. 

I've disputed this issue directly with KMF via mail twice ( XX/XX/XXXX & XX/XX/XXXX ), since they do not have a phone or email to help resolve customer credit disputes. Both times, I received a letter in response stating my dispute is invalid and that " the disputed information is accurate as reported ''. 

I've also attached a document that goes into more detail on the situation and also includes : both credit disputes I mailed to KMF and screenshots of my contact information for the XXXX & XXXX leases.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MO)

# 1 I took out a {$2000.00} my chase loan on XXXX, XXXX XXXX it was meant to expire on XX/XX/XXXX, paying XXXX a month. lo and behold, it is now XX/XX/XXXX, and the loan is completely paid up. I ran into this problem with chase on a different occasion, and have been careful to never pay more than my interest saving balance. I spoke with chase, with a nice supervisor who spent an hour trying to source the problem. she said that she never saw these things before, but since I had taken XXXX charges and turned them into my chase plans, specifically a XXXX charge to XXXX on XX/XX/XXXX, and a XXXX charge to XXXX XXXX on XX/XX/XXXX, it messed up the app. in other words, the interest saving balance included those sums as their totals, even though I had already broken them up into their plans. but once the funds came in, the app recognized that the money couldn't go to the chase plans, and viewed the " extra '' funds as extra money that it put against my chase loan, money that would have been greatly appreciated by me had I been able to keep it for my cash flow. she figured this all out and wrote up a whole file. she gave me an escalation number, and said that I should expect an answer within 7-10 business days. I waited a week, and then called. the lady on the phone said a letter was mailed. today I got the letter. I am not joking ; it says " thank you for your recent inquiry.... we understand your concern about your my chase plan and my chase loan. all the information can be found in on your statement under the my chase plan summary & the my chase loan summery. thank you for being a chase client. '' ( mistake in the original ). seriously? I know how to read my statement. this is trash service by a supposedly first class bank... what am I supposed to do now? spend another 5 hours just to get another stupid letter? can I charge chase for my time?
Consumer complaint received 2020-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Two days ago paypal sent me an email notifying me about a permanent account limitation.I can't no longer send/receive nor withdraw my funds. I reached out to their support team by mail and phone and they couldn't provide with any reason for the aforementioned limitation. They agreed with me that i didn't violate any of their terms and conditions but they are not cooperating on solving the issue.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION (WA)

It happened while I was assigned in XXXX XXXX Kentucky XX/XX/2014.. They called my workplace which I never authorized them to call. They spoke to my staff and said they need to speak to me. I spoke to the collectors and I was shocked that how could they call my work place and how did they found out my number. They began talking to me and I told them I was having marital issues and affected my payments. So the Navy federal deb collector threatened my if I dont pay that they will contact my XXXX   as a result I will get fired from my job and lose my XXXX XXXX XXXX.. They continue calling numerous times and keep harassing me.. As a result I feared for my job daily and affected my work performance.. I was not able to compete for XXXX XXXX.. Navy Federal Credit Union has repeatedly harass me almost weekly that I suffered from emotional distress and fearful for my career and my family..