davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MN)

I am a victim of identity theft. I been receiving death threats, threats of legal action of been sent to jail and prison, harassing, profane and abusive telephone calls from Target Card Services for a debt and Target credit card account thats a fraudulent account and not my debt. The account and debt from Target, is not my account or debt. I did not apply for a Target credit card.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

XXXX  secured credit card services closed my account and placed a bankruptcy reason for closure on my credit report, I contacted the company the first time in XX/XX/2019 and asked for them to fix the issue. I also had my credit repair serivce write them letters. That caused a XXXX point drop in my credit score, and they refuse to fix the issue.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (VA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-12
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. (FL)

Equifax continues to report XXXX XXXX and XXXX XXXX accounts as DEROGATORY AND COLLECTION/CHARGEOFF when these accounts have been settled aND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. Equifax continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report direct from Equifax which shows they are incorrectly reporting these XXXX accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (NY)

Hi on XX/XX/2023 i filed a dispute for charges that i didnt make some of the charges were adjusted from moneylion to my account but not reflected to my balance and some of the disputes were not processed as per moneylion saying that no error was found without making an investigation
Consumer complaint received 2023-01-17
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. (CA)

I checked my credit report and the Bankruptcy that I have been filing a complaint still on my credit report. This XXXX  XXXX bankruptcy is erroneous. The bureaus and the company failed to provide proof and I never received any proof of the investigation which I have been requesting for so many times.
Consumer complaint received 2023-01-17
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. (PA)

all XXXX credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all XXXX credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about XXXX times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment transunion- XX/XX/XXXX experian- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - experian - XXXX XX/XX/XXXX -- -- -on the 2 year history they are also XXXX XX/XX/XXXX high credit transunion- {$580.00} XXXX {$0.00} XXXX {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender experian- Purchased XXXX a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off account
Consumer complaint received 2022-02-22
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. (TX)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXX/XX/XXXX/2018 US DEPT ED XXXX Balance : {$2300.00} Date Opened : XXXX/XXXX/2018
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2020, I entered the XXXX XXXX XXXX website to book two hotel rooms. Those hotel rooms totaled a purchase of {$540.00}. In my " Summary of Charges '' the XXXX site indicated " Get the Marriott Bonvoy Boundless Credit Card and receive a {$250.00} statement credit after first purchase ''. Initially I thought, " Ok, well they'll credit me if i purchase something later, I'll pass. '' But then to the right of this there is a breakdown of charges that displays the stay total of {$540.00} less a {$250.00} statement credit, equaling {$290.00} Total after statement credit. I then thought, " No, this will obviously count as my first purchase, according to my summary of charges I'll receive the credit towards this first purchase, what a deal .... ''. I'll also point out that this rate was for a Bonvoy Rewards member which the advertisement indicated i would automatically be enrolled in after credit card approval. I then proceed to move forward with the application, I was approved and then suddenly the next screen indicated there was an error and I could not move forward. So now, I have no way of completing the reservation, no rewards member info to book the room at the discounted rate and no way to purchase the booking with the card XXXX just encouraged me to apply for with their wonderful statement credit. So I call the number associated with XXXX and they tell me there's nothing they can do, I'll need to call Chase. I call Chase and that's when they advise that no, you can't book your stay with your new account so that you can receive the credit we've just promised you through our deceptive marketing and no we're not sure how you book on your existing credit card to receive the reward member rate. I ask for a supervisor and am transferred to XXXX an Account Supervisor who I respectfully requested two things. To immediately close my account which she obliged. Secondly, to have the credit inquiry removed from my credit report through all three of the credit bureaus since that inquiry was the result of their coordinated and deceptive marketing with XXXX. She advised she could not. I then asked her if Chase has an executive complaint office that I could be forwarded to and again she advised no.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (PA)

all 3 credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - XXXX - equifax- XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$580.00} XXXX {$0.00} equifax- {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender XXXX- Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off account
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a loan online and I got an email saying i was approved. They called me and told me they'd be depositing the money into my account... what I didn't know was they were calling bank of america under my name and filing claims under my name so the bank would credit my account. I XXXX XXXX XXXXXXXX XXXX sent them money thinking the credits I was getting were from them. Bank of America never called me about the claims so I never knew they were made. A month late bank of america took all the money they credited back and overdrawn my account over XXXX dollars. I immediately called the fraud department and they explained that claims were made fraudulently. They told me to go into the bank and open up a new account so they can refund me the money. I go into the bank and they couldn't open an account despite what the fraud department told me. The claims were made in XXXX and the money was taken back in XXXX. And they know that I didn't file those claims. It took me 2 months to get them to open a new account for me. For the last XXXX months I've been promised multiple times that I'd be getting the funds back and once the date hit and the money never showed I called them and I was told a completely different story. I explained the liability protection guarantee to them and they still refused to fund me money. Even when I filed claims against these fraudulent transactions they refused to give me temporary credit. But they allowed these fraudsters to get the credit immediately. I never get a straight answer from them. This has screwed up my entire life. Missing rent, ended up homeless etc. I need my money back. I want to sue them for lying about what they would do for me multiple times, and the amount if times I missed bills because the money didn't show when they said it would. Every rep I talked to on the phone gave me a different story on what's being done. They are trying to get me to pay for the fraudulent claims that overdrew my account.
Consumer complaint received 2020-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AK)

Just letting as many folks know as possible, I've lived under this shadow too long. these guys are animals and do not care about anything but robbing you of everything. I signed a contract that contained solid borrowers ' rights, guaranteeing access to court due process and the right to appeal any decision. Both parties were on equal standing with rules clearly spelled out. I don't know what you would call this thing the govt created. lender, service, and collector? with the power to make the law without limits or oversight. Anyone feel like your rights still intact? I have declared my contract to be in breach. One party removed all rights from one party and somehow claimed them for their own. Contracts are not to be altered without the express consent of both parties. Folks we have a legal system, not perfect but protects rights, try to make both parties whole and the rules clearing spelled out. My contract falls under that jurisdiction. This is an illegitimate fairy-tale Great big illegal money machine. I will hold the contract as breach. I would welcome any challenge to the status. It will be in an actual legitimate court system. Until decided contrary by a legitimate state court Judge, The status of the contract will remain unrecoverable. Any attempts to bypass judicial review of my case will pierce the corporate vail and allow for a district court summons.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MN)

I am a victim of identity theft. I been receiving death threats, threats of legal action of being sent to jail or prison, harassing, profane and abusive telephone calls from Discover Financial Services for a debt of {$14000.00} for a fraudulent Discover card account ending in XXXX thats not my debt or account. Its a fraudulent account and the debt is not my debt. I did not apply for a Discover credit card.
Consumer complaint received 2024-03-14
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. (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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

My name is XXXX XXXX. I do not have my account number. I opened an account with synchrony bank for their amazon store card. Ever since I have made payments at least double the amount I was supposed to. For example the typical payment due was XXXX $ I payed at least XXXX $ each month. The account was closed in XXXX but I have continued to make payments each month of at least XXXX XXXX The balance has stayed the same at XXXX $ no matter how much I pay, I just found out I was changed around % 2 of the balance each month as insurance. The only way to opt out of it was to mail back a piece of paper back in XXXX. I do not think this is fair. In two years I have payed over XXXX $ for a XXXX $ balance.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX, a XXXX XXXX on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at XXXXXXXX XXXX records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MD)

I closed my Kay XXXX  account with Comenity many years ago. However, this card still is reported on all of my credit accounts. I have appealed to Comenity itself and all of the credit agencies/bureaus, and they have refused to mark the account as closed. 

I do not have an account with Kay XXXX  or Comenity. I have not had an account for years. Their continued insistence that I have an account, and their reporting of it despite my repeated protests, is fraudulent.
Consumer complaint received 2023-01-17
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. (MD)

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 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (CT)

I applied for a Home Depot credit card about a month ago. At the end of the application it said " we're going to need more information, we will contact you ''. Only that they never did, and I never got any confirmation over email either. 

I was unsure if the application didn't go through properly for some reason, so about a week ( XX/XX/2020 ) ago I tried applying again. This time it said " we're going to need more information, please contact us '' and gave a case number. So, I contacted them. They told me that my 2nd application was rejected because I already had an application open in the system. Then they said that the first application did not go through because of my XXXX  credit report. 

That was surprising, since I've been keeping on top of my credit score through a XXXX service ( using XXXX  ), and my credit score is excellent ( nearly 800 ). 

So next I went to XXXX to get my official credit reports ( XX/XX/2020 ). Two of the credit reports ( XXXX  and XXXX  ) came as expected ( I am happy to share them if they are useful here ). But the XXXX  credit report did not go through. After entering my personal information, it asked me the " identity verification questions '', but none of them had anything to do with me. So I couldn't get that report. 

I tried calling XXXX  to sort out the problem with them, but they could not help me because for some reason they can not verify my information. They suggested that I use their online system, but that didn't work either, for the same reason - I was not even able to " create an account '' on their system. 

I'm honestly not sure what the source of that problem is, or how to go about fixing it. I know that all my credit reports were fine a year ago, because we were buying a house then. So this issue must be recent.
Consumer complaint received 2023-03-16
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. (NY)

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 reportsno consent is fraud. XXXX XXXX XXXX XXXX Open Date : XXXX XXXXXXXX XXXX  Balance : {$0.00}.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My personal loan with XXXX XXXX went to collections with them for falling behind in my payments. However, when I tried to make payment, I was told I could not make payments and would have to wait until the collection agency called to make payments. Months went by and I was never informed of how to may payments. 

I called them twice and spoke to the collections department. On a recorded line, I was advised that I would be provided information on how to submit payments. This never occured. My credit report keeps having negative remarks every Month. This account has been paid in full. I have tried to resolve this matter over and over, and they have the recorded conversations to prove.