davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (MI)

I am contacting you on behalf of my daughter who is XXXX. She opened an XXXX credit card through Barclays to purchase initially an XXXX  tablet for XXXX  XX/XX/XXXX. She was signed up for zero interest to pay off in 12 months. On XX/XX/XXXX she went to XXXX store to purchase XXXX. She put it on credit card to get " points '' and was to pay off when it showed up on her statement. She called Barclays and they stated payment would not go towards phone! Having now almost a {$1000.00} bill is VERY overwhelming and daunting for a XXXX XXXX   only working part-time! She was upset so we both called Barclays on XX/XX/XXXX and spoke with manager XXXX.I stated we were told we could pay off phone. XXXX indicated " no ''. I stated this was " bait & switch '' and I would be submitting a complaint.My daughter did make a payment for the phone including tax however it did not remove charges for the phone on her statement as they put it on zero interest for 6 months. I strongly believe this is how people get into trouble with credit cards! My daughter now has un-necessary stress as a result! Had she known this, she would have brought in cash. Someone should have stated that she would not be able to pay off following month.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

On my Equifax and XXXX  credit reports it shows a bankruptcy from 2016. The reference number is incorrect ( incomplete, missing numbers ) and the name of the court is incorrect. All third party sites to verify this information have been frozen and the court in question does not provide information to third parties such as credit bureaus. I have tried to dispute twice now and neither Equifax, nor XXXX  will not delete or correct the information. They have also not provided to me where they are verifying this information, as all reports are frozen
Consumer complaint received 2020-01-14
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)

This account was opened fraudulently attempts have been made to get the account removed from my credit report.I have disputed the account requesting proof the account was mine. Iv requested documentation showing XXXX # XXXX has the authority to collect from me. Iv contacted XXXX # XXXX directly and paid a balance that I was not supposed to in agreement that they would remove the account from my report. This account has been paid in full that was coursity on my behalf.
Consumer complaint received 2023-05-24
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)

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

I was let go in XX/XX/XXXX left with out pay and I am still waiting in that hearing XXXX board case XXXX. One main I contacted XX/XX/XXXX and asked about unemployment ins. I was surprised to be told I had no coverage. 

So the next XXXX months while On unemployment I pay On time XXXX XXXX runs low I contact branch who then tells me a differing story I go in they set up XXXX XXXX XXXX covered 6 months plus 6 months so XXXX to XXXX payments covered. XXXX XXXX. 
XXXX now covid at it peak a I call to get XXXX nd half but Im told I already used 12 months Not true But they Argue I still pay my bill altogether Im still upset XXXX I notice a pay XXXX XXXX that goes to branch but I had paid XXXX and XXXX so I contact I ask for two month s to be returned. 

They in XXXX I get XXXX They back out all the months I was forced to pay in XXXX after they errored They claim I did not call I did my phone bill shows it Recently XXXX contacts me and stated she would help me get my balance down to were it was XX/XX/XXXX. We had gone back and fourth a year they show 6 months go by where I log in to find XXXX dollars owed Yet They wont admit they did not update their system They back out XXXX Principle its not right its criminal I feel I cant pay until they correct balance and keep in mind I paid even when they error they paid XXXX. To XXXX XXXX to XXXX I was due another XXXX I never paid late until they took my principle XXXX. 
They created the issue someone needs to contact me other Than than me XXXX They say I threatened them its not true I called XXXX a XXXX XXXX after he started playing games They ruin my credit they cause the issue during covid XXXX I wont pay and I want to point out my credit shows paid in time yet they want to charge 213 days of interest But they admit mistakes were made just not all of em How do they re pay XXXX plus XXXX add inters that amounts to what they are admitting they caused Please call me before you accept the lies from thrm.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (AZ)

My mother who passed away in XX/XX/2022 had a checking account and an IRA with Regions bank in Alabama. I was named on both accounts as well. I first contacted the XXXX branch in XX/XX/2022 about closing the accounts and forwarding the proceeds to me. As of this writing I am still trying to collect approximately {$500.00} which they are holding in the checking account. The bank has sent cashiers checks without signature and has twice required that I forward notarized requests and copies of my mother 's death certificate. Each amount of money I have collected has required a great deal of follow up on my part. The current amount in the checking account is a distribution from the IRA that was done in error due to Regions delays. They have stopped responding entirely to requests for collection of this amount. At this point I have to think Regions is being deliberately obstructionist so they can hold on to funds as long as possible.
Consumer complaint received 2020-01-14
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. (NY)

EQUIFAX BLACKMAILED ME TO BUY EXPENSIVE BUT WORTHLESS EQUIFAX CREDIT MONITORING BY EQUIFAX DELIBERATELY LEAKING MY DATA. EQUIFAX RETALIATES BY FALSELY CLAIMING I HAVE BEEN THE VICTIM OF FRAUD ALERT. I HAVE NEVER BEEN THE VICTIM OF A FRAUD. EQUIFAX CAN NOT PROVE I LIE. BUT EQUIFAX PERSISTS IN UNJUSTLY GIVING ME A FRAUD ALERT. I WANT ALL FRAUD ALERTS REMOVED BECAUSE THEY ARE FALSE AND INJURE MY CREDIT UNFAIRLY. I WANT TO GET BACK ON PROMOTIONS LIST. I WANT XXXX XXXX FREEZE NOT LEGISLATIVE SECURITY FREEZE. EQUIFAX DELIBERATELY FALSIFIES MY ADDRESS TO XXXX XXXX XXXX WHEN IT SHOULD BE XXXX XXXX XXXX XXXX IN ORDER FOR EQUIFAX TO EVADE GIVING ME VALID NYS SECURITY FREEZE. EQUIFAX DOES NOT ANSWER AND HARMS CONSUMERS AND ME. I AM A CONSUMER
Consumer complaint received 2022-12-27
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. (DE)

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  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 an 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, 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.D
Consumer complaint received 2022-12-27
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. (GA)

In accordance with the Fair Credit Reporting act 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 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 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (NJ)

My application at numerous financial institutions to open a checking account has been denied because Early Warning Services furnishes an inaccurate report replete with outdated and incorrect information, to the respective financial institution at which Im applying. The financial institution then denies me the opportunity to enroll in a checking out due to negative information furnished by Early Warning Services. My outreach attempts and attempts to resolve this issue with Early Warning Services have all been entirely unsuccessful and my entire financial stability is put at risk due to Early Warning Systems negligent information and reporting procedures.
Consumer complaint received 2023-05-24
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. (FL)

There are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. I DO NOT have any idea regarding these fraudulent inquiries on my credit report.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NV)

I paid for a brand new Hyundai XXXX 2014 with a 10 year or under 100,000 warranty. My engine stop working after 2 years. Towed my car to Hyundai XXXX dealership where they submitted inaccurate information regarding maintenance to the warranty company that denied my claim also deemed Final decision. Without no evidence as to what paperwork is missing from maintenance for claim denial. Ive submitted all information regarding maintenance on vehicle, and Hyundai and the warranty company is not disclosing who made this decision and why. My car has been down for 2 years because of this situation and Im hoping someone can help me investigate this matter
Consumer complaint received 2022-12-27
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. (GA)

I sent it off on XX/XX/2022 I told the credit bureau to investigate every piece of information on the accounts listed below. Also, I have attached the letter sent out. According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurately. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. Account name XXXX XXXX XXXX account number XXXX
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (LA)

A dispute was done against this company recently about an alleged debt and trying to collect on the debt. According to state and federal law a company has to be licensed in the State of Louisiana to collect any debt or alleged debt. Firstpoint Collection Resources , Inc is not licensed in the state of Louisiana.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On my XXXX and TransUnion credit reports it shows a bankruptcy from XX/XX/2016. The reference number is incorrect ( incomplete, missing numbers ) and the name of the court is incorrect. All third party sites to verify this information have been frozen and the court in question does not provide information to third parties such as credit bureaus. I have tried to dispute twice now and neither XXXX, nor Transunion will not delete or correct the information. They have also not provided to me where they are verifying this information, as all reports are frozen
Consumer complaint received 2022-11-11
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$840.00} OXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX CO XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Consumer complaint received 2020-01-10
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. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, Experian, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

Someone stole an insurance refund check mailed to me and Chase Bank cashed it. The name on the back of the check was XXXX XXXX ( hard to read ) but clearly not my name XXXX XXXX which was on the front of the check. It took me months to convince XXXX that I had not cashed the check and I demanded a copy of the front and bank, that is how I figured out that someone had stolen the check and cashed it in XX/XX/2023. I filed a complaint with XXXX fraud department after getting the run around. I also filed a fraud complaint with Chase bank to this day I have never received a reply to my fraud with Chase. XXXX required I file a police report, which I did and alot of other hoops which I have done. XXXX is saying since they mailed the check it was out of their hands. I told them I have called Chase, filed a fraud with Chase and no reply. I finally was assigned someone at XXXX but every month they say their bank is working on it. Both XXXX and Chase have taken so long to take this seriously the detective said their was not anything XXXX can do it was up to the Chase. I called a contact I knew at Chase local branch and she suggested I call XXXX. I spoke to XXXX at Chase on XX/XX/2023 and she told to email XXXX XXXX XXXX, chase.com I have emailed several times and to this day have yet to receive a reply from Chase. The amount of the fraudulently cashed check was {$5000.00}. This has been over a year chasing down not only my refund from XXXX but then to find out it was mobile deposited by Chase in XX/XX/2023 and not receiving any reply from Chase is terrible.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

To avoid fraud, I'm trying to place security freezes on my credit with the three bureaus. 
I've done this successfully with the other two bureaus, but Experian won't do it for me. When I fill out their online form, I get an error that they can't place a security freeze with the information I've given them.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

I tried Making a purchase on my consumer card through Commenity Bank ( XXXX ) purchase did not go through and they still took the money off of the card. The Purchase did not go through on the end of XXXX but the card company states that I made the purchase. Every time I call, I am transferred to a different person and am told different information. I have been hung up on 4 times. Every time I talk to XXXX, I am told to talk to bank, and bank tells me to talk to XXXX. I have gotten no where. I am just trying ti get this resolved because I do not want my credit score to go down or owe {$3200.00} for a purchase I did not make.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.