davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (OK)

on XX/XX/XXXX I received it at midnight I received the text message saying that my XXXX and loves to lose fat is deposited into my PayPal account well when I check my car that I have in my account that I have wasn't nothing in there so first thing the next morning I called to find out what was going on seems like there was another new account open in my name all my information but it was on account that I never authorized or had access to a countdown but wasn't nothing more he can do we couldn't dispute the transaction they couldn't tell me nothing about the transaction or anyting it was very rude and disrespectful hung up in my face told me to contact the IRS at this point I still really don't know what's going on I don't know where my money that I don't know what happened to it I still don't know nothing
Consumer complaint received 2022-03-01
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. (MS)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX Account : XXXX. BANK XXXX XXXX ACCOUNT # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX BANK # XXXX XXXX. XXXX OF 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 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
Consumer complaint received 2022-03-01
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. (CA)

I recently reviewed my credit report for correctness. I found an unidentifiable account from Bank XXXX XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( XXXX, Experian, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP (AR)

UNAUTHORIZED NO SIGNATURE HARD PULLS FROM US BANK, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, A FRAUDULENT PULL, AND XXXX DUPLICATED PULLS.
Consumer complaint received 2020-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I am an IL XXXX XXXX of 21  years, with a student loan that I believe was consolidated by Navient, My loan is through Navient, that's who I make payments to monthly. I XXXX in an underprivileged XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, IL  ( 7  years as of XX/XX/2020 ). Navient is fraudulent because they offer XXXX  forgiveness and then they reject XXXX  applications. I met all the criteria to receive XXXX  forgiveness. As I mentioned, I XXXX  in an underprivileged XXXX XXXX XXXX that is 100 % free lunch for all students. I am also a specialized XXXX  certified in XXXX XXXX. That is also the criteria to qualify for XXXX  loan forgiveness. I have applied several different times with my district HR Administration signatures and sent the application to Navient and I waited for months only to get rejected. XXXX  loan forgiveness states that it will forgive alone when it's {$17000.00} or less or up to {$17000.00}. They make it impossible once you apply to ever get loan forgiveness, it is fraud. Advertising XXXX  loan forgiveness and then making it impossible to receive it. My loan is just a little bit over {$15000.00}
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2020-06-12
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. (LA)

This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report. 

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (LA)

Sent written letter to XXXX XXXX XXXX on XX/XX/20 regarding an account that was sold to them by Chrysler Capital for XXXX. Asked them for validation of debt but as of today still have not gotten a response for them.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened the HSBC checking account with the promotional offer ( offer attached ). After fulfill all the requirements, I still don't receive the promotional XXXX dollars bonus. So I reached out to HSBC, they had asked me to wait for another 2-3 weeks, then I reached out to them again, they said they need to have marketing team to research for another 2 weeks. And today I reached out to them again, they told me i am qualified for the offer, because they claimed that I didn't apply through the promotional landing page. 

When I applied the HSBC checking account, I did save copies of the offer, and all the communications I had when inquiry on the offer details. Throughout the whole time since opening this account ( for more than 6 months now ), no one tell me I don't have this offer to my account. 

This is a very deceptive practice, should require CFPB to inquiry their practice and ensuring that they do not do this to trick customers.
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (MD)

I have noticed that a collection account was placed on my credit report on XX/XX/2020, by SEQUIUM ASSET SOLUTIONS for {$180.00}. I never received a dunning letter and never had a chance to dispute or request debt validation and am requesting that this debt is deleted immediately.
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MD)

Hi I am XXXX XXXX, I have transferred money to my brother In Law ( XXXX XXXX ) to his bank account in XXXX on XX/XX/2020. Remitly showing that money was delivered XX/XX/2020 but my brother check his bank account the confirmed XXXX  money wasnt delivered yet. I am try to contact their customer service which is not available, they said online chatting is available but I tried so many times I couldn't reach them. I text on XXXX XXXX and XXXX  page they did't response. I want to know what happened. Why is this taking longer time to deliver?
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, 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)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2020-04-09
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. (VA)

XXXX XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting incorrectly
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

XXXX is lying and stated that my flight is still valid. I called XXXX XXXX   and they told me that the flight was cancelled. 

I tried calling XXXX and emailing them with them not responding. They responded only once demanding I give them more money. 

I have been given no proof showing that the flight was still available. The flight was cancelled 100 % and I would like a refund. 

The flight is cancelled if you actually look into it you can see that XXXX   is lying. 


I was not provided a service and my money is being stolen from me. 

Chase is defending thieves. 


I would like proof that my flight was still valid or I want my money back.
Consumer complaint received 2021-07-06
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: Bread Financial Holdings, Inc. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-06-12
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. (FL)

I mailed dispute letters in XX/XX/XXXX pointing out factual inaccuracies and differences reported between bureaus of the same accounts asking for deletion. After getting a response of updated or verified, I sent another letter in XX/XX/XXXX, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation. I mailed another letter today, XX/XX/XXXX informing the bureaus to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I have had an ongoing issue with Nissan Motor Acceptance XXXX since this origination of this Lease with the XXXX XXXX XXXX. It seems that they continue to try to damage me and my credit worthiness. I've tried on multiply occasions to work with them, from them placing the wrong amount of miles on my lease to repossessing a car which I tried to return to them at their dealership, to not explaining taxes correctly and how they are paid with the lease to sending me a bill for over {$6000.00} and then damaging my credit. The account ended up with XXXX XXXX XXXX which I finally agreed to settle with a 2 payment plan XX/XX/XXXX and XX/XX/XXXX and they have yet to send me settlement confirmation letter. I struggled to make these payments and placed my mortgage on hold to make this go away. The first payment, processed a little early so we had to reschedule it so we agreed managed to agree to same terms. However, we got it done and still I haven't heard from the representative or Nissan to say that it was complete. During this time, Nissan was still sending me statements showing I owed money and I was working with XXXX XXXX too. Long story short, I paid XXXX XXXX 2 payments of {$1200.00}. Nissan is still reporting that I owe money to them so when I called to follow up I explained that they are do a subpar job of following up with their Agency on my account and that they are damaging my credit and I asked who is responsible for updating my credit? The representative stated he didn't understand my question. However, I know who should and they have dropped the ball again. I advised then that I would be making another complaint about the mishandling of my account.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Experian credit bureau is reporting 2 fraud accounts from XXXX XXXX I submitted ftc and police report they r verify the account instead of removing the two fraudulent accounts 1 for XXXX and the other account XXXX
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On all 3 of my credit reports. It shows that it has not been updated since XX/XX/XXXX. Current balance should be {$450.00} monthly payments are being made monthly on the XXXX of each month. I am totally reviewing the reported pulled XX/XX/XXXX and no update for XX/XX/XXXX. Then XXXX it should be XXXX. Need assistance because I was told there is nothing they can do and they hung up on me. 

Account # XXXX opened XX/XX/XXXX.
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.
Consumer complaint received 2020-04-09
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. (CA)

I received a bill on XX/XX/2017 from " XXXX XXXX '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CAPITAL ONE BANK USA N {$560.00} 75 % usage 3 late payments, CAPITAL ONE BANK USA N {$530.00} 59 % usage 4 late payments KOHLS/CAPONE {$0.00} 0 % usage 1 late payment
Consumer complaint received 2020-04-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (NV)

Experian has refused to remove from our credit report, false credit reporting coming from a debt buyer called XXXX XXXX. It has been repeatedly proven that this debt buyer is committing fraud and breaking Nevada Law with unlawful tactics, identity theft, violations of the Fair Credit reporting Act and has no merit in its unlawful actions. Experian appears to be colluding with XXXX XXXX XXXX in some type of pay for play scheme that needs investigation. Their client, XXXX XXXX XXXX never signed any contract with us, and their terrorism amounts to discrimination against poor minorities, especially during COVID-19.