davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
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. (LA)

I have been trying to get in touch with experian for along time prob a couple years. there is some kind of security freeze or something on my account and i can not be verified. I dont understand and they dont have anyone to talk to. I have tried every number they have and never get a person. It is so frustrating that they are allowed to report stuff about me and not let me have access to it. If they should be allowed to stay in buisness they should answer the phone.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This complaint is about a Capital One Quicksilver Visa Card. I have an excellent credit score & have always paid my bills on time. In 2020 I purchased a mattress set & put it on this card. In XX/XX/2020, I paid off the entire bill in the amount of {$760.00}. Paid off on time - days before closing date. This is on acct # : XXXX XXXX XXXX XXXX. Paid off in full XX/XX/2020, The next billing cycle came in XX/XX/2020. This statement stated that I owed {$5.00} - even though I had made full payment. I called Capital One to request service on the account & was told that not only did I owe the additional {$5.00} - but the clerk calculated pennies of interest I wld need to pay in addition to the {$5.00}. - my new total wld be {$8.00} - on what the account balance is {$0.00}. I paid it, but I really do not understand where these charges are from or are they legal. I'm not just going to continue to feed the machine - hoping they finally get it right.
Consumer complaint received 2019-10-13
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. (IN)

On XXXX I ran my credit report through Experian..it was missing my primary mortgage information of 16 years..over 4 months I called Experian 7 times ... my mortgage company 6 times ... the mortgage company kept transmitting the credit reports and even tried to reinsert the loan information ... Experian said that it manually removed the information some years ago due to my chapter XXXX bankruptcy in XX/XX/XXXX ... although the mortgage was never part of the bankruptcy and did not require a reaffirmation of debt ... XXXX and XXXX both still receive the information XXXX Experian said that nothing can be done about the issue even though it was their mistake ... this is costing me the essential credit numbers to refinance my home and has cost me additional money in the loan of a car bought recently due to a lower credit score
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-12-20
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. (LA)

While checking my credit report for accuracy, I noticed some fraudulent items on my credit report. I found that I am a victim of identity theft. Someone used my personal information to obtain a student loan and to obtain a XXXX XXXX credit card. I have tried tirelessly to get the banks to act to remove these items from my credit report but with no success. I am extremely frustrated.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, XXXX EQUIFAX, and XXXX XXXXs reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent XXXX, EQUIFAX, or XXXX disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable for.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TN)

On XX/XX/XXXX I opened up a Barclay Bank credit card with airline miles. I spent over 60k on the card with the understanding I was earning miles paying off promptly each month. In XX/XX/XXXX my bill had a fraudulent charge from XXXX for 120 plus. I contacted XXXX they couldn't help so then contacted Barclay and explained situation. They would not help me as well and without my permission he cancelled account. I called back the next day because I had over 100k in miles ( the promotion ) and explained I didn't want to cancel. They informed me the could reopen account but I was to lose ALL MY MILES!! I told them I'd pay full remaining balance on the account as long as they gave me those miles ( which was going to be honeymoon in XXXX ) they refused. Its still affecting my credit and the WROTE IT OFF.It is complete FRAUD! Please HELP! 
Thank you for your time XXXX XXXX
Consumer complaint received 2019-10-13
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: ID Analytics, Inc. (FL)

On XXXX XXXX and XX/XX/ 2019 I faxed Sagestream , LLC to dispute 3 hard credit, inquiries on my credit report that had not legitimate purpose using the online prepared form provided on the company website. Attached to the facsimile were prior correspondence to the 3 companies to wit the disputes arise as well as personal identity verification documents listed on the company website including a copy of my driver 's license, social security card and bank statement. I have included both facsimile with confirmation receipt to this complaint. 

Subsequently I have received two letter 's from Sagestream , LLC dated XXXX XXXX & XXXX XXXX, 2019. The XX/XX/XXXX letter incorrectly states that I did not provide any verification documents and the XXXX XXXX letter is some nonsensical form letter about Sagestream not selling information, which has nothing to do with the disputes filed.

I have tried to call Sagestream on 10 different occasions never once being able to speak to a representative and instead getting transferred to a voice mail system that is either full or disconnects. 

At this point Sagestream , LLC has negligently handled my identity verification documents I attached in both my facsimiles to the company and has delayed any investigation into the credit inquiries on my file.
Consumer complaint received 2019-12-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC (PA)

I received a notice from a company called " GB Collects '' on or about XX/XX/2019 regarding an alleged debt owed to XXXX XXXX XXXX/XXXX. The purported debt was as a result of cancelling a health insurance plan previously purchased and then validly cancelled. I resolved this matter with XXXX XXXX XXXX/XXXX. In accordance with the Fair Debt Collection Act as well as the applicable Pennsylvania statutes, I responded via letter to GB Collects on XX/XX/2019 to cease any and all communications concerning said debt and to furnish to me valid documentation of the debt. On XX/XX/2019, I received two ( 2 ) phone calls on my cell phone from a " XXXX XXXX '' at XXXX XXXX and XXXX XXXX of a harassing and threatening nature. Mr. " XXXX '' repeatedly disregarded my requests to cease contact and then mocked my attempts to explain that I properly have disputed the debt.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans union allowed XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds
Consumer complaint received 2019-12-20
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$

870.00}, {$83.00}, {$1800.00}. I am a victim of Identity theft, and I did not
make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TX)

World Finance Corporation is reporting inaccurate account balance information on an account that was charged off in 2016. There's no way two years later that the account is in collections for a balance on a closed account. I have disputed this over and over again. This company can not provide any information about the origin of the account and why they are trying to collect on a closed account. This is a fraudulent company that is scamming consumer out of money on closed account. When the information is disputed they provide the reporting agency false information pertaining to the account. This needs to be removed from my account before I'm forced to take legal action.
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION BUREAU INCORPORATED (ID)

on XX/XX/XXXX I went to an urgent care clinic with XXXX XXXX XXXX. After check in and evaluation, Urgent Care directed me to go to the ER at the hospital immediately. They then turned over a medical bill for lab work that never took place, to a collection agency. The collection agency obtained this " debt " two years later and have since been reporting that it was from XX/XX/XXXX which it was not. I have disputed it and uploaded proof of the original visit date and have disputed that the lab ever took place because I have copy of the lab work done at the Hospital, not at this urgent care clinic. Why would I have the same lab done twice in one day, by two different care centers? I also, never signed any paper work authorizing this clinic to turn over my Protected Health care Information to this debt collector. They are not a covered entity under HIPAA guidelines and laws, therefore they should have never been able to have this information. I want this fraudulent debt deleted from my credit report.
Consumer complaint received 2020-09-14
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: BARCLAYS BANK DELAWARE (NJ)

We scheduled and paid for in for a trip to XXXX  XXXX And paid the Full amount of {$5600.00}. 
The trip was scheduled for XX/XX/2020, The trip was never taken and when we went to reschedule our trip we found out book it was out of business they took our money and services were never rendered. 
We sent a letter to the credit card company on XX/XX/2020 requesting a refund And Barclays Visa denied our dispute. 
Please help us rectify this situation and get our money back for a vacation that was never taken
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I received a correspondence from the major credit bureaus that these accounts were verified via phone, email, or fax. 
SOC SEC ADMIN OFFICE is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX US BKPT CT IL XXXX is fraudulent on my credit Account The credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
These are fraud, I didnt benefit, apply for, and authorize these accounts. Please remove them under the fair credit reporting Act of 1970 under 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone without response causing immeasurable stress.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IN)

I started receiving my Indiana child support on the Way2Go Card last month. I have had three deposits and have not been able to withdraw cash out of an ATM without being charged a fee. I have attempted to call multiple times and have spent hours on the phone on hold trying to file a dispute and getting this resolved without any help.
Consumer complaint received 2019-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (GA)

On XX/XX/2019 I received overdraft letters and a debit card from Santander N.A about 2 checking accounts. I did not open these accounts. Once I called the accounts are attached to my social security number, but the bank would give me no information. They allowed someone to create an account in my name, but will not close them due to the fact they can't verify my identity.
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (CA)

I am a victim of an improper reinsertion. Federal law prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report unless the bureau receives a certification that the information is correct and then provides notice to the consumer that the information will be reinserted. After disputing the account, as of XX/XX/2019 Equifax showed no record of this account on my credit report and as of XX/XX/2019 the account was removed from my Transunion credit report. Recently, I realized that the account has been re-inserted into my credit report. I never received any notice regarding the reinsertion of this account. 
Previously, I have requested to see a complete list of all documents and correspondence in their possession that are associated with the account. This has been to no avail. There has not been any documentation sent to me. 
Therefore, I am requesting, in accordance with FCRA, that they delete this information from my credit report.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MD)

Someone had my debit card information and used it to set up a XXXX XXXX  wallet. They pretended to be Chase Bank calling about fraud in my card. 

Scammer then used XXXX XXXX  to purchase about {$140.00} in gift cards at a XXXX in XXXX, VA. 

Chase refuses to refund the money that this scammer stole.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CO)

I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, AFNI and XXXX XXXX so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me into paying this debt that they are responsible for. 

My phone was stolen on XXXX  XXXX  XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, AFNI, and XXXX XXXX, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/AFNI/XXXX  XXXX about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
Consumer complaint received 2019-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WI)

Last year did a modification with Seterus lowering my mortgage payment to {$780.00} then they claimed there was a shortage of property tax so they raised it to {$840.00} to cover it then mortgage was bought by Mr cooper last year payment was the same {$840.00}, now they claim there is a shortage of {$1100.00} of property tax, and are raising it to {$890.00} until paid in full which I do not understand how there can be another shortage of such a high amount, but they claim when shortage is paid in full payment will be {$800.00} a month not {$780.00}.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP (CT)

on XX/XX/XXXX I was at Key bank locatedXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX who I deal in this bank for over 15 years offer me their Credit card and told me if I spend {$1000.00} in the 1st 60 days I will get {$150.00} & 2 % for all my purchas. I complied with the promotion, and called about my money, they told me will take 60 days. I called again in XXXX was told in 90 days I will get my {$150.00}. Called several times this month and went in person and XXXX XXXX told me I don't see the promotion that she offer me and they are trying to resolve the situation. I was told she will call me with a resolution. No calls back no money in my account. I did not need any additional credit card, I was mislead to get key bank cc. 
I been a client in this bank for over 15 years and do not appreciate lies. 
I do believe if she make a mistake the bank still should be responsible for what i was promise.