davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

M Under the law of specified, see these items should be removed from my report a victim of 605C human trafficking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

EXPERIAN / XXXX / XXXX HAVE REPORTED OVER XXXX INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION WHICH IS A VIOLATION OF MY PRIVACY RIGHTS PER 1.THE PRIVACY ACT OF 1974 2.15 USC1681 ( B ) PERMISSABLE PURPOSES THEY WERE ALSO SUED FOR THIS BY THE FTC IN XXXX XXXX XXXX FOR THE SAME ACTIONS. 

XXXX, doing business as Experian XXXX XXXX, will pay {$300000.00} to settle Federal Trade Commission charges that ads for its free credit report offer failed to disclose adequately that consumers who signed up would be automatically enrolled in a credit- monitoring program and charged {$79.00}. The FTC alleged that the failure to clearly disclose the enrollment and charges violated a previous settlement. 

In XX/XX/XXXXXXXX XXXX, paid {$950000.00} to settle FTC charges that it deceptively marketed free credit reports. According to the FTC, XXXX offered consumers a free copy of their credit report and added that they would provide 30 FREE days of Credit Check Monitoring. The FTC alleged that XXXX advertising and Web sites failed to explain adequately that after the free trial period for the credit-monitoring service expired, consumers automatically would be charged a {$79.00} annual membership, unless they notified the defendant within 30 days to cancel the service. XXXX billed the credit cards that it had told consumers were required only to establish your account and, in some cases, automatically renewed memberships by re-billing consumers without notice. In addition to the {$950000.00} payment, the settlement required XXXX to pay redress to deceived consumers, barred deceptive and misleading claims about free offers, and required clear and conspicuous disclosure of terms and conditions of any freeoffer. 

The FTC alleges that XXXX ran ads after the settlement that violated the disclosure requirement. The settlement requires XXXX to give up {$300000.00} in ill-gotten gains, and bars it from misrepresenting any affiliation with the annual credit report available to consumers under the Fair Credit Reporting Act. 

The stipulated judgment and order named XXXX XXXX XXXX doing business as Experian XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. 

The Commission vote to accept the supplemental stipulated judgment and order was 5-0. It was filed in United States District Court for the XXXX XXXX XXXX XXXX  in XXXX XXXX.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Name XXXX XXXX is incorrect. Capital one account I 've never had accredit card. The spring associates amount is incorrect I 've disputed and called their office. Insurance paid all but my portion which was {$500.00} of which I paid {$350.00}. His office has had many complaints to about over or double billing insurance companies
Consumer complaint received 2017-11-28
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. (NY)

I purchased a Business class ticket with my Chase card for {$2800.00}. Upon checking in at the airport, I was advised the ticket was purchased with award miles, which I was not aware of. I was asked for the account holder membership number which i did not know, I contacted the travel agent that sold me the ticket and there was no reply I was not able to board the flight. I then Had to purchase a new ticket at the counter, which cost me {$4000.00}. XXXX I immediately reported the matter to Chase Card services and disputed the charge of {$2800.00}, This matter has been ongoing since XXXX XXXX, 2017. I have submitted all supporting documents to Chase, Along with supporting Documents from the Airline involved, supporting that the travel agent methods were fraudulent,. Chase has refused to remove the charges, claiming the charge is valid. I have requested that Chase provides me with, the correspondence from the merchant which they have refused. I received a letter from Chase card services stating that " Although I have a justifiable dispute '' their findings remains the same, the charges are valid. How is this a resolution? Chase has refused to protect me from a fraudulent merchant. Basically telling me as a consumer I have no rights or protection when using their credit card.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I believe Citibank closed my credit card accounts due to discrimination. I have solid proof of the discrimination. However I will not disclose that all in this complaint form due to legal action I plan to file against Citibank. Here is my concern with the credit cards being closed. Citibank says its due to recent credit inquiries on my credit report. A day prior I have expressed concern about Citibank 's customer service through a secured message to Citibank. I have a copy of the message I sent to Citibank. It was a nice letter just expressing concern about how I have been treated in the passed by Citibank. I stated that I have been treated awful by Citibank. The next day Citibank closes all my cards siting that I have too many recent credit inquiries. I have had quit a few inquires when they approved me for the card nearly 2 years ago. Last year I took advantage of a lot of great credit card offers. The point is I had many inquires at this time last year and they did not close my cards. Only when I sent a secured message expressing concern about how I have been getting treated by Citibank they close my account. The solid proof I have that backs up this claim will come forward in a lawsuit. And it will prove because of my age and background that Citibank has discriminated against me. The account closure is just added proof. All my Citibank 's accounts were in good standing. I hardly used the cards. I did have a credit balance on a couple of my Citibank cards. I had to call Citibank and request a credit balance refund. I just want to make consumers aware that they need to be cautious when doing business with Citibank. They discriminate against minorities and others to the full extent. And there are other banks out there that are better to do business with that do not discriminate against you because of your age or color of your skin.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

Navient is a rip-off. I ca n't believe if I pay my loan every month on time or before my due date I 'm still being charged interest every day even after I pay on time. it crazy. after contacting them Navient rep told me, sorry, but I still have to pay. I never got a notice saying navient is my new company.
Consumer complaint received 2017-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

I borrowed {$600.00} to get my through until I graduated. They are charging me 600+ % and I went along with it for a few months because I had no choice. I have requested twice to cancel the loan and pay the principle with no response and they keep charging my bank account that is trying to close with no option of cancelling it online. I have no way of viewing my documents online so I can switch it out to another lender or pay it off.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY (NY)

On Tuesday XXXX XXXX 2017, I called American Express to see if they were able to help me with an installment I set up 2 weeks ago. I made a large purchase over {$6000.00}. On the XXXX app it gave me an option on enrolling into a plan it ( payment agreement plan for that huge purchase ). The max amount of installments it let me enter was 3 which was ridiculous. I 'm not able to pay that amount monthly for my credit card. So I 've been calling since XXXX XXXX to see what could be done, if I 'm able to get more installments or to opt out of the program. By enrolling into this plan, I was not aware that the mandatory minimum payment was going to be from {$150.00} all the way to {$2100.00}. Thats insane, I 'm not able to do that. I called them and they transfered me to 6 different people that did n't take the time to help me at all, I ended up talking to the same person ( XXXX ) who transfered me to another department just because he didnt know what to do!! I was on the phone almost an hour being transfered back and fourth. I stood calm the whole time, at last I was transferred back to XXXX who I asked politely if I was able to speak to a manager, he then placed me on hold and transferred me to a department that was closed!!! The automatic machine gave me an option to go back and press # 1 to speak to someone in customer service and when someone picked up, they hung up on me because they heard my voice and knew it was me again! No one should ever experience such bad customer service. No one knew what I was talking about and how to help! This is frustrating and crazy. Something needs to be done! It 's really not fair to me.
Consumer complaint received 2017-11-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (MI)

Calls 5 tines a day about a medical bill. I finally thought of them stop calling and mail me the bill and I will pay in full on Friday. They agreed to send m can ge bill ( which I still havent received ) but said they wont stop calls me me. 
Its irritated my. Theyve called 5 times already today and will call 5 more.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (CA)

Dear Sir/Madam, I just received a debt collection letter dated on XX/XX/XXXX from State Collection Service , Inc. XXXX XXXX XXXX XXXX, XXXX WI XXXX for {$30.00} to my mailing address at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. The letter indicated the past due account have been referred to its office for debt collection. 
I initially made an appointment for XXXX on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX XXXX XXXX Hospital XXXX XXXX for preliminary XXXX a ( XXXX ) XXXX at XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX. But I called their office at the number stated above may be around ONE week prior to the appointment date to cancel the appointment because I did not want to go through with the XXXX after consulting with friends and family. The secretary on the phone reaffirmed me that the appointment has been cancelled and I had nothing to worry about because there will be no XXXX. 
Now, 6 months later today on XX/XX/XXXX, I received their first notice of payment of {$30.00} through this credit agency. Why did the secretary tell me it was cancelled and still billed for for an office visit I did not go to? I 've never received any bills from XXXX or any written notification from their office for this {$30.00} bill either to my mailing address ( XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) or my home address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) until now through this collection agency. 
This is NOT good for my credit nor is it fair for me. I am going to mail the {$30.00} payment to State Collection Service, Inc. today. But please request XXXX Hospital to remove this from my credit history as it is clearly NOT my fault nor was I aware of what has transpired. Thank you in advance for all your help in this matter. 

Sincerely, XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Client Account Number : XXXX Service Date : XX/XX/XXXX Account Balance : {$30.00} Total Amount Due : {$30.00} From : State Collection Service , Inc . 
XXXX XXXX XXXX XXXX, XXXX WI XXXX Phone Number : ( XXXX ) XXXX or Toll Free ( XXXX ) XXXX Hours : Mon - Thurs XXXX - XXXX Fri XXXX - XXXX, Sat XXXX - XXXX
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (LA)

I have been batting with Equifax for a year about this items on my credit file. I have disputed them sending documents and they have investigated and sent the results back to me. That these items have been deleted from my credit file. And that they have done everything so that these same items want reappear on my credit file. So a year later these same items and companies have reappear back on my credit report causing very harmful to my credit score, causing it to drop. When contacting them they seem as if they do n't know what i am talking about. When these are the results that they have sent to me after investigate it, After sending in a copy of their letter head with their logo on it showing their investigation that they have completed. That these items have been deleted and that they have showed back up on my credit files. These are the accounts as follows : Confirmation # XXXX on XX/XX/XXXX/Accounts # XXXX, {$25.00} # XXXX, {$110.00} Confirmation # XXXX on XX/XX/XXXX/ Account # XXXX {$50.00} and accounts # XXXX {$37.00} and {$210.00} CASE NO.XXXX on XX/XX/XXXX was deleted and showing back up on my credit files as XXXX balances. But as they reappear causing a impact to my credit scores causing it to drop. Please have them removed.
Consumer complaint received 2017-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (TX)

Around XXXX XXXX, XXXX I repeatedly received calls from ARS national services. I have answered a few times and requested contact in writing over the phone. I am getting 1-5 calls a day despite receiving NOTHING in writing since this company started to call me. There is nothing on my credit report showing who they are or why they are trying to collect or if there is a debt that is MINE. I have sent this company an email " cease and desist '' because I have no physical address for them and want them to follow collection laws and verify if there is debt they are trying to collect for and if so where did it come from and who is it owed to? The number they rationalize calling up to 5 times a day is on the national Do not call registry and this comes across as harassment to get me to pay on debt I do not owe.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MS)

I recently checked my credit report and have a few different inquires on my credit report that I did not authorize. 
XXXX. XXXX ( XX/XX/year> ) {$0.00} I got a phone line with them and they are telling that me someone tried to sign me up for the XXXX credit card. I did not ask them to do so. 

XXXX. XXXX XXXX ( XX/XX/year> ) {$0.00} I have no idea what company this is and I never talked anyone to have my credit ran by them. 

XXXX. XXXX XXXX ( XX/XX/year> ) {$0.00} I have no idea what company this is and I never talked to anyone to have my credit run by them.
Consumer complaint received 2017-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Kohl 's is reporting a fraudulent inquiry that I never made on my account online on XX/XX/XXXX. I was at work at the time this supposedly happened. I would never request an increase online to any company. My computer was hacked a week prior to this in which I purchased a new computer in which 2 of my credit accounts were compromised. I never requested an increase on my credit card because I had a XXXX balance and hardly ever use the card. They even had the wrong email address. I tried calling about this several times and submitted letters but no resolution. I received a letter claiming that their information is correct. The police will not make out a police report on inquiries. Kohl '' s knows this and this why they refuse to remove this inaccurate information. I did file a fraud report to the credit reporting bureaus and put a fraud alert. I do not believe that Kohl 's did an investigation on this. I do not believe that this is fair. The information they have is incorrect and this is not fair to the consumer to keep inaccurate information based on online that never happened. Kohl 's must not care about their customers.
Consumer complaint received 2017-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2017, Wells Fargo in XXXX, MN accepted and signed for a XXXX XXXX overnight pkg that contains 2 checks to pay off my 2 Wells Fargo accounts. One being a Personal line of credit with the check amount of XXXX and the other amount of XXXX. Wells Fargo has no knowledge of where these checks are to pay my accounts in full. I would like this investigated as I have already contacted Wells Fargo twice and have received no assistance with whom to contact to investigate this matter on my own. 


XXXX, XXXX XXXX
Consumer complaint received 2017-11-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I sent Experian Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX XXXX which it was received on XX/XX/XXXX. In this letter I requested Experian to submit verifiable proof since these are unverified bankruptcies. Experian sent me a response datedXX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' On XX/XX/XXXX, I mailed Experian another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Experian sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' Experian has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Protection Association, L.P. (FL)

I moved out of an apartment in XXXX in XX/XX/XXXX, where I was going to school, and took in all of the cable TV/internet equipment, and discontinued the service. All billing was paid timely. 

Many years later they are sending bills and have placed a collection item on my credit report. 

My permanent address, my telephone number, my email have not changed since XX/XX/XXXX. If they would have sent anything at the time, I would have eagerly worked to resolving or paying. 

They wait all of these years, until the records are all unavailable to throw this bill out there. They have offered nothing to validate this ; when asked, they simply send a letter saying the amount owed. 

If there are others with this same problem, I would like to do a class action lawsuit. Not for money, for relief. Companies should not be able to just bring up a 6 year old list of customers and send out bills to them, and not have to provide any documentation whatsoever to back them up.