davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

i applied for HSBC Master card over internet, was approved and have confirmation e mail.then welcome e mail and 2 letters came, then PIN letter and e mail came and finally i got card itself [ ends XXXX ] .i activated over the phone as advised on card letter and went to local XXXX XXXX for food.all i spent is {$1.00} but card was rejected so i used other card. i called customer care # XXXX and was told they off till XXXX next day.i went and again activated card over hsbc.com/activateus, as it was 2d option on card sticker. received e mail saying : card is activated and ready to use again but to be on safe side i choose chat option and waited 3 hours until it was answered just to learn that i must call to fraud department and agent XXXX said i do not know what to do [ i have copy ] since it is frozen. # i got is:XXXX.i called XXXX today and was told it is international call so i went back to chat.this time i got # XXXX, of fraud department.i was on hold since XXXX till XXXX, when i walked to branch of HSBC and showed them ringing phone.Manager Mr.XXXX XXXX called himself and we all spent 3 hours on hold then he gave up and said : it is unusual.No kidding.Now they have my S.S number, driver license, D.O.B. last working place etc. and all i have is useless card i can not use.Please help.I am XXXX person and do not need that aggravation besides i learned now this bank being hacked daily.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (IL)

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S.Code 1691 ( c ) you assume civil liability pursuant to 15 usc 1691 ( k ) American Express has violated my federally protected consumer rights. 

XXXX Before proceeding with a formal lawsuit, I am open to a meaningful resolution to address the issues mentioned above. Since the letter I received is both proof and evidence that I have been discriminated against, they are criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received no benefits. 

So it shall be unlawful for any creditor to discriminate against Any applicant with respect to any aspect of credit transaction for the damages that have been done to my mental distress and financial reputation. 

I expect your response within a reasonable time frame, ideally within 15 business days from the receipt of this notice. Failure to address these concerns or engage in good-faith negotiations may result in legal action to protect my rights and interests as a consumer. 

AMERICAN EXPRESS CREDIT ACCOUNT XXXX XXXX XXXX File Number of Depositor/Registrant : XXXX American Express Receivables XXXX XXXX XXXX XXXX XXXX as Depositor of the Trust By : /s/ XXXX XXXX Name : XXXX XXXX
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (WA)

Kick off credit builder Loan is reporting a closed and late payments on my credit report after I have tried repeatedly to contact this company and to inform them of a open identity theft report the company does not respond and is impossible to get a hold of.
Consumer complaint received 2024-01-03
Product: Debt collection — Private student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company (IL)

I am being charged for an alleged debt, and I never entered into a contract with Merchants Credit Guide. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. These acts are severely prohibiting my ability to access my own credit.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (OH)

XX/XX/2022- Experian received notice of the multiple entries on the credit report by a company called XXXX that did not belong to me. Experian 's investigation was not thorough as there is now even more documentary evidence that this intrusion is a result of identity theft.
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (SC)

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 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NH)

My identity has been stolen from all my xfinity and chase credit card accounts.I had to get new phone numbers and chase locked me out of my account and will not deal with this over the phone. They are dealing with the person who stole my phone number. I can not access the account because chase has locked me out so they are calling the old compromised phone number and dealing with the person who is not me! I need to have chase card account closed completely immediately.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00}
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

On or about XX/XX/XXXX, the credit issuer for XXXX XXXX added a duplicate line item to reflect a charge-off. This was previously reported on or about XX/XX/XXXX. I have attached the document that illustrates the history and the proof that the account has been resolved. I have only had on account this company. Since they entered this duplicate line item my credit score has decreased by XXXX points from one credit reporting agency. I would like the entry from XX/XX/XXXX removed immediately.
Consumer complaint received 2024-04-18
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (IN)

Bridgecrest and XXXX XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting Bridgecrest and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974.I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. Bridgecrest and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. Bridgecrest XXXX File Number of depositor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (PA)

I have a collection of a debt in my XXXX account for a debt that i don't owe from a company called Paramount Recovery System. They are trying to collect the debt from another agency called XXXX XXXX XXXX that I never heard of, never did any type of business with them before. 

I did not have any type of correspondence with the two agencies involved XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. I don't know who they are. 

I completely disagree that i owe them any amount of money and will also contact my lawyer so they can prove that i owe them money. Bring the proof of the amount i allegedly owe them. Where the so called amount was originated and when it was originated. 

I did not receive a collection notice. I did not owe the debt and now it is on my credit report. It did not deal with any of the two agencies in the past. On the advice of my lawyer, I am filing this complaint. All my debts were paid before the statute of limitation ( 4 ) years of the state of Pennsylvania.

I don't owe any money right now other that what I am paying every month.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
Consumer complaint received 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have several student loans from undergraduate and postgraduate programs. I wanted to go into the program for civil service repayment for forgiveness after 10 years of payments, because I am an XXXX   XXXX  XXXX. I called XXXX three years ago and was told that all of my loans had to be consolidated in order to go into the program. Though they had different interest rates, some were very low. So I went ahead and consolidated my loans. Then I applied for the program and was told that all of my previous payments did not count because I consolidate my loans. So not only do I have to pay more because of the higher interest rates, none of my payments counted for years. Also, they kept changing things so that none of my payments are in the right place to qualify. I feel like I am being ran around to just make payments for ever!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I am writing to you about my business credit card account that was open last fall from Chase bank. 

I have been a chase customer for over 10 years and all my business accounts have my personal mailing address for billing. I discover that this account didn't have my address listed for billing. Afterall I was able to receive my card. 

The customer service acknowledges the discrepancy of mailing and fixed it. I was able to get a full credit back for all incurred late fees but refuses to correct and fix the negative scare on my credit report. I spoke to several people on this matter in which I was given the runaround " stating that there is nothing that can be done
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (OK)

Between XX/XX/XXXX and continuing until now, XX/XX/2024, Chime has kept me from being able to access the funds in my account. This has caused me a lot of distress and much hardship. I have been out of state and unable to pay for food or shelter. I have repeatedly let this company know as I have spent over 70 HOURS in hold or on the phone with people who could not help me. I was repeatedly told I had to wait 24 hours for the problem to 'fix itself ' which of course it never did. I can not really express with mere words how astonishingly incompetent and heinous this company is. As soon as I can get all my money out of their filthy hands I will. They should be avoided like one should avoid a XXXX XXXX! I am absolutely not being hyperbolic. I mean this quite literally.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, who also works XXXX  XXXX  to support myself. 

In early XXXX I was the victim of an online scam ; I immediately alerted my bank, Capital One, but they could not return the money and I owed several XXXX XXXX  due to the bank. 

Consequently I was forced to pay back Capital One bank with funds from an investment account at XXXX XXXX, and Capital One was made whole. As a result, the bank has approximately {$1000.00} frozen during this time ; I have been unable to get the overage refunded to me in over 100 days. 

Capital One refuses to provide me with a case number, a contact number or any timetable for resolution of this issue.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (WI)

I filed complaint XXXX XXXX with you XX/XX/XXXX. U closed it XX/XX/XXXX stating BMO responded by closing the account and sending me a check for my remaining funds. It is now 2+ mo the later I have called 4 times and gave my correct address each time and still have not received the requested information. I request a supervisor on XX/XX/XXXX and XX/XX/XXXX and was denied one being told none was avail I should go to the branch for my issues.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Advanced Resolution Services Inc. (FL)

I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) regarding a dispute I raised regarding a public record, specifically reference number XXXX, which is listed on my ARS consumer report. On XX/XX/XXXX, I mailed a dispute letter challenging the accuracy of this public record. ARS responded to my dispute on XX/XX/XXXX, verifying the public record information. 

I respectfully disagree with the results of the investigation conducted by ARS, as the information in the public record is not accurate. The discrepancies include but are not limited to : XXXX. The Primary Debtor 's name is listed as " XXXX XXXX XXXX XXXX, '' which is not the correct spelling of my legal name, " XXXX XXXX XXXX. '' XXXX. The zip code for the XXXX XXXX 's address is listed as XXXX, which does not correspond to my correct zip code. 
XXXX. There is an entry for " XXXX XXXX XXXX XXXX XXXX' which I do not recognize and is not associated with me. 
XXXX. Under the bankruptcy detail, the bankruptcy chapter is listed as " XXXX XXXX a '' with a date of XX/XX/XXXX. I am not familiar with this information.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (LA)

In XX/XX/2023, a negative remark reporting a past due balance in the amount of {$1300.00} from Unifund LLC appeared on my credit. A Verification of Debt Letter was sent via certified mail to Unifunds corporate office on XX/XX/2023. After no verbal/written communication or response from Unifund LLC for over 30 days, a second Verification of Debt letter was sent via certified mail on XX/XX/2023. I have yet to receive any responses or clarification of the debt in the amount of {$1300.00} from Unifund and they are still reporting a past due balance on my credit report. I have documentation of both letters sent and USPS certified mail receipts sent.
Consumer complaint received 2024-01-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I have tried to use my American Express XXXX card for XXXX  at XXXX, XXXX, XXXX and more and the card does NOT go through anywhere. I have been trying to use it for the past XXXX years and gotten nowhere. It's getting extremely frustrating and I feel like I will never be able to use the card anywhere ever. I have checked the balance and the full amount is still available, just completely inaccessible .... I just want to be able to use the money!