davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/20 BEFORE XXXX XXXX American Express called my job about a debt. The economy is fragile and here they are calling people jobs about a debt which is indeed illegal and inappropriate. The lady explained that i am to give her a call back and left great detail with my boss. 

XXXX IS THE PERSON NAME CALLING AND LEFT A CALL BACK NUMBER OF XXXX.
Consumer complaint received 2018-06-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (CO)

During my enrollment at XXXX XXXX, I was informed by the school financial consultant and admissions counselors that my tuition would be covered under my federal and private student loans. Prior to dropping out, I began making payments on my student loans. Afterwards, I was under the impression that any sum or money owed to the school was covered under my loans, and I continue paying them on a monthly basis. Currently, I'm still paying off my federal and private student loans. Earlier this month ( XXXX ) I checked my credit reporting account and noticed that a sum of around {$2500.00} was sent to collections ( XXXX XXXX XXXX ) from the school back in XX/XX/2017. When the sum was transferred to the debt collector, I was not notified in any way that I owed this debt or that it was transferred at all. I have formally filed a dispute with 2 credit reporting agencies and I have also filed a borrower defense discharge application with the Department of Education. After the disputes were filed, I have finally received a notice about the debt today, XX/XX/XXXX, demanding the amount in full or to sign up for a 12 month payment plan. I find it very unprofessional that the school openly lied to me about their financial practices and that the debt collector didn't inform me until 6 months after the debt was transferred.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX. XX/XX/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 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 2023-04-07
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: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX Balance {$20000.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$720.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have been trying to dispute this with XXXX XXXX and equifax but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but XXXX XXXX/equifax refuse to allow me to dispute again.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan first approved an external account for transfers from my checking account that I linked to my JPM account ( XXXX ) and then refused to put through a scheduled transfer for it. In the process, it degraded my credit score and made me miss a payment the transfer money was needed for. 

When I first called the customer service number to get help, a recording said the waiting time was 30 minutes. After 45 minutes, a person actually came on the line. After I gave her my checking account number, she then demanded my credit card number. I told her to wait while I got the credit card number. She did not wait but instead put me into an automated system. After it asked for the same information, at least 2 more times, a recording said it would be another 20 minutes to reach anyone. 

I also tried to request information online under the transfer page, to see what idiotic explanation JP Morgan would provide about why it first approved an account to make external transfers to and then, when one was attempted, cancelling it. But the online robot, like the live one, was also dead. 

Why does the CFPB allow JP Morgan to habitually fail to provide services it widely advertises? 

Why does the CFPB fail to sanction and penalize this bank for habitually lying and giving customers the run around? Why doesnt it prevent JP Morgan from opening new accounts for an extended, indefinite period of time, until it actually provides advertised services on accounts already opened? Why doesnt the CFPB act according to what everyone else knows about this bank : it is too big to fail, jail, manage, or even hold accountable by the CFPB. 

As I write this, I have been on hold with JP Morgan 's customer service number for over 1 hour and 15 minutes. It will be longer, I am sure, than it will take me to finish this complaint.
Consumer complaint received 2018-06-19
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: CITIBANK, N.A. (TX)

2 Hard Inquiries by Cbna and we have not applied for cards. We suspect fraud 1. XX/XX/2018 : XXXX XXXX XXXX XXXX. 

2. XX/XX/2018 : XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have been trying for several months to get Equifax to lift credit freeze they put on my accounts by mistake.I can not reach a live person at the company. I can get a plain English answer or solution. Today, and this was not the first time this happened, I got TWO letters in the mail from Equifax. One o them said they had permanently lifted the security freeze. The other said they had permanently placed a security freeze on my account. This is maddening. I want the freeze lifted. Permanently. As I stated, this is not the first time I received two contradictory letters the same day ; I have attached the two letters I received today. PLEASE HELP. THANK YOU.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (FL)

I have paid for an account in my name that I believe does not actually belong to myself. 
This account was with Jarad Gallery of Jeweler. This was in XX/XX/2013. I do not believe this was my account but an account taken out by my fiane at the time. Nevertheless this account was paid in full and on time to the best of my knowledge. I have tried for 5 years to have this error removed from my credit report and Jarad refuse to remove the 30 day late payment. 
This has negatively affected my credit and I am unable to obtain a mortgage due to the error on my credit report.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am disputing the debt as reported by PORTFOLIO RECOVERY for {$5100.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NY)

Jp morgan Chase attempted fraudulent charges against my new account after a fraud alert was placed upon an old checking and savings account. I did not accept any outside checks to my compromised account.Only US treasury checks which I receive from the US XXXX XXXX  and the XXXX.US XXXX  which do not bounce.After notifying the bank of the error. I was billed against my new account from the previous denied checks.When asked who sent them or how did they get into my account. I was told nothing concerning this. Speaking to their several departments of customer service, check claims.on-line banking and their fraud dept. Nothing has been done. I living on a fixed income can not comprehend the callousness with whichever they handled or should I say not handled the matter, but began the game of stonewalling against they obvious mistake. I have no finances with which to recompense their fraud and am now appealing this case to you for further inquiry. I did make an initial over the phone claim where I was recorded and type casted into the consumer financial protection agency 's system by a very competent operator. Unfortunately I can not find the complaint number. Please verify my complaint against this financial institution having them to retract this false amount of {$700.00}. against me.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have contacted Transunion to resolve the issue. These inquiries are fraudulent. 
The following companies are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (MO)

I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something I would like to know what the tracking number is so that I can track where this was send because this is a clear violation of my rights and I demand that this account is removed immediately and not continued to be sold that this stops here and right now!
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dobberstein Law Firm, LLC (WI)

I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through Dobberstein Law Firm and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another LLC. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.
Consumer complaint received 2020-06-30
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. (TX)

I am a victim of identity theft. There are accounts and inquiries that I was absolutely unaware of. I have no idea who has stolen my identity but this isn't fair that people can apply for things without my consent and it goes on my credit. Please remove these fraudulent acounts.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I already reached out to TRANSUNION and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I saw an XXXX ad for CareCredit suggesting that it can be used for any health procedure. I applied under that assumption on XX/XX/2021. I then contacted my doctor and they said they do not accept the form of payment on XX/XX/2021. I immediately called CareCredit and was told that closing my account will not affect my credit score and that XXXX can remove the Hard Credit report check on XX/XX/2021. I called XXXX and they said I need a letter of Deletion from CareCredit/Synchrony Bank and gave me their phone number. I was then told that they will not do this as it does not fit federal protocol. I proceeded to contact XXXX and they let me know my credit report was pulled twice by CareCredit for one account and to submit a dispute with them to have it removed on XX/XX/2021.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CT)

Citi bank showed when I opened new eligible checking and savings accounts and deposited {$15000.00} within 30 days and maintain a minimun balance of {$15000.00} for 60 days, I could earn {$400.00} bonus. I opend checking and savings accounts on XX/XX/XXXX, and finished depositing total {$15000.00} on XX/XX/XXXX, and kept money until XX/XX/XXXX. However, I didn't receive the bonus ( XX/XX/XXXX ). I called the bank serval times, and they didn't solve my problem. They seemed to spin things out for as long as possible. I need help. Thank you!
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

We have contacted SPS and tried to work out something on out loan and they are not willing to help us. We feel that that they are using predatory lending practices to try to force us out of our home. 

On XX/XX/XXXX, I was laid off and reached out to them to get help under their unemployment plan that they offer. They denied us and sent us a repayment plan instead. It was for {$3100.00}. 

Also, they sent us a foreclosure notice and referred us to an attorney. I thought under the new stimulus package that President5 Biden signed, that all foreclosures were stopped until XX/XX/XXXX. They are violating this that was enacted by our president. I called them about this and they offered no answer or even discussed this. 

I had also asked about a forbearance plan and they denied this as well. 

We also asked about a new loan modification and they denied this as well. 

We sent them a payment on XX/XX/XXXX and they sent it back to us. 

We are trying to get this settled. 

We have not contacted an attorney yet. I wanted to see if there was one that was recommended. 

No matter what we do, they are denying everything and we feel we need some help as well as maybe an attorney.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/21 the balance was paid in full for {$9800.00}. The finance company refuses to update my payment in full and the account I showing as open when it should be closed and paid in full. Why is that if I miss a payment, these companies will report. But as soon as you pay your balance off in full, they fail to report it on time. And this is causing my DTI to seem high when its not if they would just update the account status.