davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

The dates are XXXX they were a lot of fraudulent transactions on my account I made the bank aware they hurried to close the claim cause I had just put money in the bank an they where no help ask them to check footage an I file claim deposit an withdrawal an they wouldnt help even faxed over paperwork proven I was not there at the time still no help
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have a Total and permanent XXXX ( XXXX ) discharge since XX/XX/XXXX. 
It was never due, never late, never made any payments. 
Experian has all of these accounts right now as OPEN. 
I have 2 lines of credit, their records show I have 27! 
They are not allowed to list Total and permanent XXXX XXXX XXXX ) discharges on credit reports. Sure enough, has not been verified since XXXX! 
Not on my other 2 credit reports. Scores there average XXXX. At Experian it's XXXX!!! 
Says I have too many lines of credit open. Says I have too many late accounts! 
I haven't had ANY late accounts anywhere since way before my bankruptcy in XXXX! And that's being listed as open and active too! 
My entire credit report with these scammers is WRONG. 
Now they have locked me out of my account. I sent them my DL, Bill 's, etc. No, can't get in to dispute. I can not call. I am XXXX.
Consumer complaint received 2020-05-24
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. (MI)

My accounts with the US Dept of Education show closed ; however, a debt consolidation place indicated it is reporting late payments. In addition to that it is pulling my score down a few points from time to time.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both TransUnion and XXXX  to have these removed to no avail. I havent applied for credit since 2018.
Consumer complaint received 2020-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

No lawsuits have been filed. On XX/XX/2020, at or around XXXX XXXX p.s.t. I had a telephone call with Oportun to inquire about a matter. I was transferred 3+ times to various representatives. On part 2 of the telephone call with rep # 2 I asked if the call was being recorded, which the Represenative said that it in fact was being recorded. No notice was given prior by Represenative # 2 that the call was being recorded as required at the onset of each and every phone call. 

This is a violation under California Code, Penal Code - PEN 632.
Consumer complaint received 2020-05-24
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. (OH)

XXXX XXXX student loan company reported my account to the credit bureaus ( XXXX, equifax, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.
Consumer complaint received 2020-05-24
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. (OH)

XXXX XXXX student loan company reported my account to the credit bureaus ( transunion, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (OK)

I paid in full on the account with Barclays Bank for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the Barclays rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force Barclays Bank to remove this negative information off of my XXXX  credit report and XXXX  credit reporting agency.  And the name that Barclays is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX XXXX XXXX  is my name.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello! 
After reviewing my credit report, I discovered an unrecognized inquiry on my TransUnion credit report from XXXX on XX/XX/2019. I contacted the company, and they were supposed to remove it. However, it has passed several months already, and the inquiry is still on my credit report. 

TransUnion credit report XX/XX/2019 XXXX
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

Great Lakes student loan company reported my account to the credit bureaus ( XXXX, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points.

Right not there are millions of others as well with the same issue with Great Lakes. This is unjustly, and has majorly affected my credit score because of their error.
Consumer complaint received 2018-10-15
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: Allied Collection Services, Inc. (Nevada) (CA)

ALLIED COLLECTION SERVICES, account number XXXX is wrongfully appearing on my XXXX credit report.They are collectors for XXXX XXXX. 
At my only ever visit to XXXX XXXX I needed to have a XXXX XXXX.I pa.id {$200.00} cash at the time of service.I also had a XXXX XXXX.I provided my XXXX  government insurance card and was told that I was paid in full for the part of the work not covered by insurance.I received a prescription for XXXX, that insurance paid for. 
The debt is fraudulent.
Consumer complaint received 2020-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-21
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. (CA)

Experian refused to correct my credit report, and refused to remove 90 Delinquent mark from XXXX XXXX card. 

XXXX XXXX had card charged 120 for executive renewal membership, without my knowledge. I didnt know about it, no clue until I received call informing I was 90 days delinquent. I immediately paid it, at this time. Hurt my credit score, but I didnt know. NOT Fair.
Consumer complaint received 2020-05-24
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. (TX)

I have filed a dispute with credit bureaus, spoke with the company and they will not provide me any information why they will not take this off. In addition, they provided information to the credit bureau that they knew was false as they told me I had spoken with them, which I had not. I have tried multiple times addressing this was my previous deceased husband who leased an auto, forged my name and was fraud. The company says they do not have to take my dispute information and that they will not remove from my credit. I have filed police reports, showed erroneous information that they provided to credit bureau and advised the credit reporting places that the information is wrong and provided them documentation.
Consumer complaint received 2018-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I was in XXXX on XX/XX/2017 and had dinner. Later on I noticed that my credit card had been charged twice for two separate transactions at a restaurant I had dined at. One for {$59.00} ( XXXX  euros ) and another for {$590.00} ( XXXX  euros ). I assumed it was an accidental charge and I called my credit card company - bank of america on XX/XX/2017 to dispute the charge. They agreed with me saying it looked like a mistake and provisionally credited me back the {$590.00}. They told me the restaurant would have 60 days to dispute my claim. I thought that was the end of it but come XXXX I received a letter from the bank that said the restaurant had provided them a copy of a signed receipt for {$590.00} so they sided with the restaurant and charged me {$590.00}. I called and tried to dispute that again since I did not see that receipt or sign it. The only receipt I had signed the for was {$59.00} and I asked them to compare the signatures but they told me that they do not/ can not do that. I even mentioned that this same thing happened to another person at that restaurant, which i learned about after I decided to post my review. I was told that they could not use that as proof to show that is what had happened to me. Essentially since I was there and I gave them my card it could not be counted as fraud, even though I told them I never ordered 20 fixed price meals ( I was with only with one other person ) or signed a receipt for that. After a few more calls I stopped trying because they told me that they could not do anything to help me. I have a copy of the receipts which the bank sent to me as proof and the signatures are clearly different. I'm reporting this a year later because someone just contacted me on XXXX saying the same thing has happened to them at that restaurant.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Consumer complaint received 2020-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (TX)

The original debt was {$530.00} from XXXX XXXX. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX  credit report. Now it's back on my XXXX  credit report from a debt buyer, National Credit Adjusters with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I'm the cosigner for my daughter. She had gone thru some medical issues and was laid off. My financial status has changed drastically being XXXX. An injury from work. I tried to work out a settlement which they agreed I could lock it in with a parent pay out. Then daughter take over payments she could afford. Mrs XXXX  was such a unprofessional person to deal with at times felt I was being scammed and harassment didn't end. I'm filing chapter XXXX unfortunately. We would come to terms but shed never put it in writing so I'd tell her I'm not comfortable she was exstremely mean I saved dates and times and shed deny talking. So I told her till I get settlement in writing I'm not moving forward .she also bullied my daughter made her cry she was so mean thank you for your, help XXXX XXXX .
Consumer complaint received 2018-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Im a little confused. three months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points. I'm under contract of buying a new home. The negative information reporting could cause me to get denied. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account within 10 days of this letter.
Consumer complaint received 2020-05-24
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sovereign Lending Group, Incorporated (CA)

Sovereign lending group kept running my credit report vi inquiry multiple times even after I told them I no longer wanted to move forward with them. Hey did this in XXXX ( when I told them Id not move forward ) XXXX and XXXX. They also keep calling me despite me telling them multiple times that I never want to deal with them again.
Consumer complaint received 2020-05-24
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. (CO)

EXPERIAN HAS ONCE AGAIN PUT ILLEGAL, FRAUDULENT REMARKS ON MY XXXX  XXXX ACCOUNT. 

THEY HAVE PUT A HARMFUL REMARK THAT SAYS " CONSUMER DISAGREES, DISPUTE RESOLVED '' FOR THE RECORD NO DISPUTE HAS BEEN OPENED RECENTLY REGARDING THIS AND YET THEY VIOLATE THE LAW BY PUTTING FRAUDULENT REMARKS ON MY REPORT TO MAKE ME LOOK BAD. 

THE ONLY REMARK THAT SHOULD BE ON THE 2 XXXX XXXX ACCOUNTS IS " ACCOUNT CLOSED AT CONSUMERS REQUEST '' I AM ASKING THAT THIS BE UPDATED IMMEDIATELY AS THIS KEEPS HAPPENING AND IS WRONG. *****PROOF IS ATTACHED IN THE FORM OF A SCREEN SHOT DIRECTLY FROM MY CREDIT REPORT SHOWING WHAT THEY ARE DOING*****
Consumer complaint received 2020-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Purchased a XXXX used vehicle from XXXX XXXX of XXXX XXXX XXXX, in Arkansas. On XX/XX/XXXX. I was really desperate to purchase another vehicle because my current one ( XXXX XXXX XXXX ) at the time was breaking down. I was only receiving an XXXX XXXX check monthly and didnt know alot about financing, interest rate, APR and got fast talked into buying a used car with XXXX miles bad tires and axles for {$27000.00} dollars. I am involved in what I believe is called 'The Rule of XXXX ' a Debt Trap. The Rule of XXXX which is a financing method that allocates pre-calculated interest charges that favor the lender over the borrower. This financing practice is highly controversial and in XXXX, was outlawed in the United States for loans longer than 61 months. Well I was financed for 63 months using this same pre calculated method.
Consumer complaint received 2018-10-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

Last Sunday ( XXXX XXXX ) I sent XXXX dollars to XXXX via Western Union ( https : //www.westernunion.com/us/en/home.html ). Initially on their website they promised the money would be available in 4 business days but later when I submitted the order they said the fund will be available 5 business days. Now as I check on their tracking system, now they say it will be available on Monday ( XXXX XXXX ). So I called them and they say the money should be available Friday but can't say when. At a loss I asked them again when it will be available. They just repeated the same statement and hung up. Why do they keep changing the business day? And why can't they say when the money will be available? I'm afraid that the fund might be unavailable until next Monday and they will claim that it will arrived 5 business day.
Consumer complaint received 2020-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

Equifax, XXXX  and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies. 
1 XXXX XXXX XXXX 2 XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

On XX/XX/2020 I was suddenly unable to make any transactions on CashApp, but I could send money to other people. They stated it was due to unusual or suspicious activity. It also says I have insufficient funds, but I have more than enough money in my account. Then on XX/XX/2020 I could no longer send money to anyone. I stated that my card was lost/stolen but now I cant even order a new one. It says my account cant be activated. I attempted to reach out to CashApp on XX/XX/2020 and still havent received a reply. Theyre just holding my money and not giving me any customer service.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

Its cash app they locked my account the first time because I put request a refund but it was an accident then the second time I put request a refund because I gave money to this girl that was supposed to bring me something but instead as soon as I sent the money she blocked me on that account and turn her phone off so I request for a refund and they denied the request and they locked my account and I need to make a transfer and then close the account to get my money off of there I have messaged the support people about 40 times
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I received a {$100.00} Mastercard gift card in XX/XX/XXXX for the amount of {$100.00}. The card was in its original packaging and had never been opened. The bank issuer of the card is XXXX XXXX XXXX XXXX. When I attempted to use the card at a grocery store it was declined. Upon calling the XXXX Customer Service number on the card I was told the card had been XXXX   out by {$2.00} charges per month commencing one year after the card had been purchased, which was XX/XX/XXXX. The outside packaging does not state these expenses will occur after the first year of card purchase. Rather this information is contained in the " Cardholder Agreement '' document inside the packaging. The printing on the packaging states the card is " valid thru XX/XX/XXXX '' and that it has " no value until paid for and activated at register ''. The outside instructions do not explain the purchase of the card activates the card. " Activating '' the card could be interpreted as when the receiver of the card begins to use it. This again is explained in the " Cardholder Agreement '' inside the sealed gift card package. I attempted to contact XXXX XXXX XXXX XXXX by telephone but could only reach call centers, even when I called the XXXX for XXXX XXXX  XXXX XXXX directly. I then mailed XXXX XXXX XXXX XXXX a registered letter on XX/XX/XXXX to request they reinstate the value of the gift card back to {$100.00}. I never received a response. I included my address, telephone number and email address in my letter. I also left a message with the call center contact person requesting a reinstatement of the card to its original value but did not receive a response.