davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

I applied for the Chase Southwest Rapid Rewards credit card in XXXX, which has a {$69.00} annual fee. When I initially called Chase to ask about the terms, I got an impression that the annual fee was tied to my Southwest Rapid Rewards program, which would give me discounted flight prices. I used the card only a few times in XXXX and once in XXXX. I had not used the credit card for any purchase since XX/XX/XXXX, but had to keep this card active and paid the annual fee every year just to get the " member discount rate '' to fly Southwest, which was never true.

Recently I got charged again for the {$69.00} of annual membership fee, and I called Chase to find out what they really meant by the membership fee. The person who talked to me on the phone told me that the fee has nothing to do with the price of Southwest flights. I then asked her to consider refund me the annual fees that I paid for XXXX through XXXX because I had never used the credit card and had a misunderstanding about the fee. She said she could only remove the fee for XXXX and by paying the annual fee, I got XXXX Southwest points each time. However, it doesn't sound reasonable to pay {$69.00} just to get XXXX points. I feel being misled and these charges are not fair.
Consumer complaint received 2021-07-24
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. (TX)

My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau Experian and XXXX  and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from Experian, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.
Consumer complaint received 2017-04-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX    XXXX    XXXX  has been harassing my inlaws trying to get a hold of me multiple times per day. Someone came to their house with a brief case trying to look for me. They are establish as  XXXX    XXXX    XXXX , inc but they claim to be ligitation lawyers which is not true on their website since they are only a collection company. If yo u google it  there is a  XXXX   XXXX   XXXX   XXXX  lawyers in  XXXX  but not in New York where they claim to be and when I search the phone number it leads to the collection agency in New York. This company harasses and confuses consumers with their tactics about them being lawyers and the way they pretend they are the last step before a civil claim.
Consumer complaint received 2024-03-25
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. (OH)

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 2024-01-30
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2024-01-30
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. (KY)

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 2021-07-25
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. (OH)

I the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.
Consumer complaint received 2018-06-28
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. (MA)

I been going back and forth for the last 4-6 months to try to resolve some adverse items on my credit report which listed with multiple inaccuracies. I've attempted to contact both the major credit bureaus and original creditors. These are total violations of FCRA and FDCPA. I demand under the provisions of FRCA and FDCPA that these items being investigated, validated and ultimately correct/updated or DELETED from my credit report.
Consumer complaint received 2023-03-09
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX Sunday evening about XXXX XXXX, I looking at XXXX, COVID-19 HOUSING HEARING, Secretary Fudge, thanks for your insight on discussing XXXX Criminal activities by Lenders, by Reporting Agencies and other issues. XXXX  remember you XXXX Removed my Paid-off Mortgage loan with XXXX, Loan number # XXXX, remember I told you XXXX  to Not XXXX with the Removal of my Mortgage Loan that I Paid off Faithfully as a Powerful XXXX man. Hey CONSUMER FINANCIAL PROTECTION BUREAU remember you let them motherfuckers play with my Credit Report for over a year and 4 months. CFPB, my US Senator is XXXX XXXX that serves on the Senate Finance Committee, Im Filing a XXXX Congressional inquiry against the Consumer Financial Protection Bureau to Find out the Relationship between the Consumer Financial Protection Bureau & XXXX! Hey CONSUMER FINANCIAL PROTECTION BUREAU youve violated me for over 4 years by ALLOWING XXXX  EXPERIAN AND XXXX  to XXXX with me as a XXXX Consumer, is this Correct? Thanks, Remember I told you about my Fight with XXXX  XXXX XXXX, XXXX  XXXX XXXX vs XXXX XXXX XXXX XXXX, thanks Congresswoman XXXX XXXX for giving us as XXXX Homeowners the insight to XXXX Fight Back, XXXX  I told you I would FIGHT BACK $ $ $ $ $ $
Consumer complaint received 2021-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I opened a complaint in regards to this before. Santander is already involved in a predatory lawsuit which all employees at Chrysler Capital just refer you to s website when you ask about it. I have been severely impacted by COVID-19 and even prior when I had XXXX and a rare XXXX XXXX. I am given absolutely no options here. I tried to get an extension and I was denied due to having 6 extensions when covid hit, no one knew it would last this long. They refused to assist in lowering my payments, rate or anything to help. They gave me a modification twice with an increased maturity date for 2 more years of interest at 17 % and no reduction in payment. I recently asked if we can lower the balance in order for me to get out of a loan that is putting me and my family in severe hardship and they said " we don't settle '' we will just take I to auction and you will have a deficiency balance and have to pay it. This is absolutely ridiculous that they are not helping anyone affected by a national emergency. Every other lender mortgage, credit cards, utility companies, landlords have something in place. This was predatory lending since the loan originated.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from PayPal Credit.  I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (FL)

The debt collection company IC Systems has continued to call me every day at least 2-3 time per day even on Saturdays. I have kept track of the dates and number that they continue to call me from. The following are the dates, and numbers. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX The above dates are for 2021.
Consumer complaint received 2021-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (NC)

My name is XXXX XXXX. Over three years or so I joined XXXX XXXX XXXX, in XXXX NC. Right a COVID-19 started, I was unable to attend because of fear of catching COVID-19. In that regard I called a cancelled my membership. 
XXXX  XXXX XXXX is still withdrawing money from my account till date. ( XXXX XXXX account ) It has been over a years I stop attending and they are still withdrawing funds from my account. I have asked them to stop and made several phone calls. 
They are withdrawing money from ( XXXX XXXX ). XXXX  XXXX is my brother and have written his bank and they have withdrawn over a XXXX dollars and still withdrawing.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

After sending money to an online seller with my debit card ( they used XXXX XXXX to collect my payment ), the seller did not ship the item and took down their website. 

With no way to contact the seller, I attempted to cancel the transaction with XXXX XXXX. XXXX XXXX was not responsive in a timely manner. 

After five days of purchase, I contacted Chase Bank to report the fraudulent transaction. 
Chase bank did a chargeback while they investigated. 

More than a month later Chase reversed the chargeback without giving me notice. 
After calling Chase, I was told that I had an agreement with Affirm to pay the money and since I financed ( used a debit card ) Chase does not protect me. 

Chase advised that I take the matter up with XXXX even though I received nothing for my payment. Bottom line is that Chase did not protect me from the fraudulent act.
Consumer complaint received 2021-03-21
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. (CA)

I have disputed items with Equifax and even so just recently sent in a dispute request and Equifax has yet to mark the items as disputed by consumer as they are supposed to which is a violation of the FCRA. They have also gone over the 30 days to respond to the investigation and even so beyond 45 days. The items disputed were XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX They are in violation and I plan to sue for damages unless these items are removed due to violations of which I can collect {$1000.00} per violation. Items below will show when the disputes were sent and also the accounts that continue to be reported inaccurate and not marked as disputed
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I keep getting repeated unwanted calls on XX/XX/2021 and more repeated calls on XX/XX/2021 from wells fargo for an unexpected negative account balance for overdraft fees which I was unaware of at the time and had no intentions of giving my consent to opt in for overdraft service. Upon getting all these repeated harassing phone calls, with repeated attempts to pressure me into making a deposit and paying off the overdraft fees ASAP, they also threatened to close my account and send me to a collection agency. I even responded back to them to stop calling my phone and still keep getting calls from them.
Consumer complaint received 2021-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (MI)

Congress Colllections made a mark on my credit account. I have never heard of this company, nor did I receive a written or verbal notice. I don't even know why they are trying to collect anything because nothing is overdue. I don't even know how much is trying to be collected. My credit score dropped due to this. They also checked on a Sunday morning.
Consumer complaint received 2021-07-25
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. (NY)

I am a victim of identity theft. I filed a police report with XXXX Police Department on XX/XX/2021. 

I sent in a request with Certified mail to Experian ( as per USPS tracking, it was delivered on XX/XX/2021 ) requesting that Experian block the fraudulent information within 4 business days according to FCRA 605B. 

I have included with my request the following documents : - Copy of Police Report - Copy of Drivers License - Copy of Utility Bill ( Proof of Address ) - A detailed list of the fraudulent information As of today, XX/XX/2021, Experian failed to block the information from appearing on my credit file.
Consumer complaint received 2024-01-30
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 made a payment on XXXX XXXX XXXX  they automatically take the payments from my bank all the time. transunion they doing a innacurate report on my credit report damaging my report. they took off XXXX points that's insane for something is inaccurate for payment of XXXX and I called the company and they told me I don't own anything the I'm a head with the payments for a month. according to " 15 us code 1681B '' Permissible purposes they didn't it without my Authorization and " 15 us code 1681A late payments are illegal to put on the report. is fraudulent inaccurate I didn't authorize these inquiries please get this update thank you so much for your help. is not right they don't go by your rules
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.