davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, Experian and XXXX  to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Media Collections, Inc (WI)

I called Joseph Mann and Creed XX/XX/XXXX when I saw a derogatory mark on my credit score with an associated collection amount of {$280.00} past due for XXXX XXXX XXXX in a different state with a different email and phone number. The account was opened and charges were made under my name and social security number. This is a fraudulent account and identity theft. I called immediately to make them aware of the situation today ( XX/XX/XXXX ). They said the account was first opened on XX/XX/XXXX. This is the first I am hearing of it because it showed up on my credit score report on my bank account.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

On XX/XX/2022 I received an email stating my accounts would be closed within 60 days. I have contacted Citi Bank multiple times via phone to have the remaining funds in my checking account sent to me. I was told a check would be sent within 60 days, and I had no option to obtain funds sooner, despite the email stating If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. I was also advised I was not able to go to a branch for assistance. Since this timeframe has passed, I reached back out to Citi Bank and was told I would no longer be receiving any funds. The funds in my Checking account totaled {$270.00} at the time I received the notice of closure. These funds are rightfully mine and Citi has no authority to keep them. My account statement shows an other debit in the amount of {$270.00}, leaving my account at a {$0.00}. I demand to know where my funds went, and prompt return of the funds to me.
Consumer complaint received 2020-10-05
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. (MD)

I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus Equifax, XXXX  and XXXX  to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (NY)

I sent Equifax an FTC report in order for them to remove the inquiries that I did not authorize but they have not complied. I was told it was because they dont have my id and ss card which is not true because I have sent it to them via certified mail several times.
Consumer complaint received 2024-03-19
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. (TX)

I used the XXXX app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for XXXX to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with XXXX, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing XXXX would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is EXTORTION.
Consumer complaint received 2022-11-06
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: DISCOVER BANK (MI)

I have several inaccurate late payments listed on my credit report with is a violation of my rights and hindering me from obtaining reasonable credit purchases. In accordance with the fair credit reporting act, this creditor has violated my rights under 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. Under 15 USCS 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.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

So on XX/XX/XXXX my XXXX XXXX account which has been closed since XXXX ( debt ) was reaged by the company to XX/XX/XXXX. I disputed this error and transunion refuses to update or even attempt to get the right close date from the company the information is inaccurate and should be removed due to FCRA regulations also it was reaged which is illegal it should be removed. I have disputed multiple time with transunion and talked to higher authority in their departments it still is refused to even be looked at or disputed they just go through the motions click a few buttons and not even look into it. And everytime i call to point it out they say oh well we will dispute it for you when i have already disputed it multiple times and rhey refuse to investigate alot of information on my account is innacurate. Like they allowed a XXXX year old credit account to be reaged as a collection on my account know it was going to drop off soon ( XXXX XXXX ) and fail to fix that as well. The account was sold to another company and they reported it after XXXX years on my credit report as new so now its stuck on there for another XXXX. They fail to work with consumers only helping themselves and creditors.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/2020 I was charged on my debit card {$73.00} by XXXX XXXX for an order that I called XXXX XXXX customer service and cancelled that same day ( on XX/XX/2020 ). Which I confirmed WAS within their 7 day cancellation policy for full refund. When I called and spoke with merchant ( XXXX XXXX  ) again on XX/XX/2020 ( 7 days later ) to inquire why I havent received refund? XXXX XXXX customer service said it can take up to 5 business days to see credit. I waited and called again on XX/XX/2020 ( 15 business since order date ) and was told they issued credit/refund to me and if I didnt receive funds then I needed to contact my card issuer. So, I contacted Simple Bank and was told I needed to submit a dispute form which was submitted ( and confirmed receipt of dispute form ) on XX/XX/2020. Ive contacted Simple bank a total of 17 times asking for update and inquiring why I havent receive my provisional credit per efta federal law after the initial 10 days?! Most frustrating, when I call I can only have the customer service rep send an email to dispute investigator, no contact phone number. Or when Ive sent 13 emails with a total of only 2 reply responds that state the same response sometimes it can take up to 90 days to get a finalized investigation conclusion. Ok well its been over 90 days!
Consumer complaint received 2017-05-27
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. (GA)

Credit Reporting a gency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.
Consumer complaint received 2023-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I had originally took out a {$5000.00} private student loan through Sallie Mae. The loan was then sent to Navient for servicing. I have been paying on the loan for 10 years. I've paid over {$9000.00} on a loan that was only {$5000.00} and still have a balance of {$1600.00} left. I was told that the rate was variable which was never discussed with me when I took out the loan. Currently the interest rate on the loan is 15 % and I was advised that nothing can be done to lower it because it is based on the federal reserve. At this rate, I am never going to be able to pay the loan off.
Consumer complaint received 2020-10-05
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: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I reached out to a travel agency online known as XXXX to purchase 3 tickets to XXXX. Due to Covid getting worse I though it would be best to change the dates from XX/XX/XXXX to alter date but when I reached out to the agency via e-mail to do so I received no response. I tried calling them as well and the phone number listed in the confirmation e-mail I received is not in service. Due to these red flags I tried looking up the eticket numbers from the confirmation e-mail I received with the airlines listed in the email and found out the ticket numbers are fake my trip does not exist. I reached out to American Express immediately to dispute the charge and get my money back so I can book directly with an airline company myself on XX/XX/XXXX. I even submitted screenshots showing the eticket numbers from the confirmation e-mail does not exist with the airlines the travel agency falsely claimed to book my tickets through. The travel agency sent American Express the same falsified confirmation e-mail they sent me with the same e-ticket numbers that does not eco and I sent them proof it does not exist. American Express stated regardless of my proof that the tickets does not exist and this was clearly fraud since they submitted something they have to re-charge my account. Completely baffled I re-opened the dispute 2 more times for the same lack of result for a clear display of fraud from the travel agency side. On the third dispute made American Express re-charged me TWICE for the same dispute amount {$940.00} sending my account balance from positive {$450.00} credit limit to negative XXXX and change. I had no reason to be re-charged this disputed amount and much less twice!!! I submitted a billing inquiry only for them to tell me to review my statement that shows what I already know and told them. They did not resolve my dispute and then they re-charged my account TWICE for the same dispute and refuse to fix their mistake as well!!! Im beyond upset and at this point if this is not resolved Im filing a police report for fraud against both American Express and XXXX and if this isnt resolved Im filing a lawsuit for fraud to both as well, American Express had no right to bill me twice for one single disputed amount. Ive attached a screenshot of my last statement showing where the morons charged me twice for the disputed amount.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (MO)

First problem I have with PenFed credit Union. Is it's been 2 years I have no copy of contract I do not have title to my truck that's supposed to be in there according to Missouri state law is a right to title state. 
Second problem I have with PenFed. Is they were supposed to refinance my truck at what I still owed on it which would have been a little over {$21000.00} because I had already paid almost {$7000.00} to XXXX who had the note first. Instead they refinanced it for the full {$27000.00}. They are stealing money from customers. They are supposed to take out the payments the third week of the month. But they claim that their computer can't be set up for the third week of the month. Everybody else ACH is my account the third week of the month. So I told him that I blocked him from my account and I would send money orders the third Wednesday of the month when my XXXX comes in I go get a money order for the amount and put it in an envelope and drop it at the post office that same day. Now over a month later they're telling me that they hadn't even got the money to pay money in and they haven't got the XXXX payment yet. They keep trying to charge me return check fees and late fees which I'm not paying. This company is the worst finance company I have ever worked with.
Consumer complaint received 2020-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I purchased a roundtrip airline ticket for a member of my household to Study Abroad for one semester through Capital One Travel using a combination of accrued Capital One miles and an out of pocket balance charged directly to my Capital One credit card. 

However, in the midst of the airport and country of XXXX shutdown that due to Covid-19 pandemic, the flight was cancelled by the Airline. The flight, which was originally scheduled for Monday, XX/XX/XXXX ( Re-scheduled for XX/XX/20. 

A little more background - While on Spring Break in XXXX, XXXX, my partner, the passenger for whom the ticket was purchased, was informed by the school that the country of XXXX mandated that all schools close for the remainder of the semester while also learning that all flights going into XXXX were being cancelled in response to the pandemic. 

We immediately contacted Capital One Travel right away to understand the impact of what was happening and were directed to work directly with the airline to resolve the issue. 

We then contacted the airline, XXXX XXXX, explained the situation and they were very accommodating due to the circumstance and updated both the departure city from XXXX to XXXX and the departure date from XX/XX/XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, we logged onto XXXX to check flight status and Check-In, we learned that our flight was cancelled. We had received no prior alert, either in any email or text notification of flight cancellation. We had been checking flight status almost daily to ensure that there were no changes/cancellations leaving us stranded in XXXX since the situation was changing almost daily at this point as a result of the pandemic. Upon learning of the cancellation, We immediately contacted the airline directly to understand the situation and were informed that all flights out of XXXX were grounded and that there were no alternate accommodations available. We were effectively stranded in XXXX and had to make alternate arrangements to get home. 

For these reasons, I am due a full refund to cover the cancellation by the airline, through no fault of our own, on the return flight portion of my roundtrip ticket. 

I've made multiple attempts to resolve this issue directly with Capital One. I've provided statements similar to above accounting and was repeatedly told that there was nothing that they could do. Out of frustration, I contacted XXXX XXXX directly and explained to them the situation. I was ultimately granted a full refund to the original form of payment from the airline, meaning that Capital one travel received a full refund. I've still not yet received my refund. I have in my possession a letter directly from the airline stating that the refund was processed and complete. To this day, Capital one refuses to provide a refund of the money that I paid.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

THE XXXX XXXX XXXX {$420.00} has been disputed by me for years and I was I told 3 months ago that it was sold to NATIONAL CREDIT ADJUSTERS which flagged my account as Collections on XX/XX/2020. 

I never received a statements and when Ive called to find out the information on the account, the name that they have listed isnt mine nor is my social accurate. Ive called the card company and was told it was charged off 2 years ago, and now I get an alert today saying now, the account is in collection. Ive disputed this amount and account with XXXX, XXXX, and XXXX, and they referred me over to FTC. I have worked hard in building my credit and this inaccuracies has brought my score down drastically. The account is on my report twice. One as a charge off and now as in collections.
Consumer complaint received 2020-10-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

This Company calls repeatedly, every hour or so, on Sunday 's and very aggressive. I advised debt collector to not call me anymore because she knew what she was doing was not correct, she was calling constantly - 4 times already in a day, call after call and on a Sunday.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I instructed all XXXX credit bureaus to put an extended XXXX  year FRAUD alert on my file and to stop giving my information out against my wish. My former employer and specifically the money laundering organization XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX MO XXXX who laundered my recovery from the SEC enforcement act and is continuing to launder from XXXX and XXXX stole my cell business phone and a brand new XXXX I had yet to use a few days ago. They have been cyberstalking me since 2011 and heard anti trust agents tell me my credit was so good and ask me what my name was. I knew I was being cyberstalked so I said XXXX XXXX and absolutely said I would testify against these criminals. They waited and stole my identity again and continue to tamper with a federal witness by way of unathorized cyber attacks and lurking without my authorization. All my communications have been monitored since 2011.
Consumer complaint received 2022-11-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

FRAUDULENT MISREPRESENTATION, THEFT ; TILA VIOLATIONS, FRAUDULENT CONVEYANCE, FRAUDULENT REPORTING, MISUSE OF 1099C IRS FORMS AND REPORTING, UCC VIOLATIONS
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CO)

Im am working with the XXXX XXXX, i have worked with XXXX XXXX  as well and they have tried to dispute this item with no luck. I have filed identification theft and no one had got back to me from chase.
Consumer complaint received 2020-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have 3 unauthorized hard pulls on my Transunion credit report. They are XXXX XXXX XXXX (XX/XX/2024, XX/XX/2024 ), and XXXX XXXX XXXX.