davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I tried to open an account with Chase Bank a while back at that time they said the only thing that I qualified for was a Chase Liquid account which is a pre-paid account. I waited until I got my credit somewhat ok and tried online, at that time I was told that I needed to go in a branch, before I could make it to the branch I got a letter in the mail saying that they denied me because I have too many accounts. However I don't have any bad relationships with any of those banks.Then I received an offer to open a business account. I figured I can do my business account and have my personal at the same bank and close out one of  my other accounts. Not leaving a bad relationship just moving on. Well I was able to open my business account online. I was told I could open a personal but I needed to go to the branch so that's what I did, 2 days later they closed my account due to usual activity. The only thing I did was XXXX {$25.00} from one account to this one and set up my direct deposit from my job. They have no reason to close my account.
Consumer complaint received 2022-02-21
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. (AL)

I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that I need to be removed. The inquiries to be removed are listed below : XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (TX)

Im trying to purchase a home and Equifax and XXXX are reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. 

They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (PA)

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 1681XXXX 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 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 XXXX  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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL INC (AZ)

XX/XX/2020 XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, LA XXXX Re : Closed School Loan Discharge Application and Request for Forbearance Dear Sir or Madam : I am formally applying for a closed school discharge of my student loans. With this letter, I have enclosed my completed closed school student loan discharge application and supporting documents. If there is any additional information that is required, or if any information is missing, please contact me immediately using my contact information below. 
Additionally, while my discharge application is pending, I request that you put my federal loans into forbearance. In other words, I request that the Department and any contractors or loan servicers it hires to collect on my loans cease all collection efforts while my discharge application is pending. Please confirm that you have received my application and that my loans will be placed in forbearance while my loan discharge application is pending.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I disputed the presence of a fraudulent account on my XXXX credit report, which is being reported by Capital One. Despite my repeated attempts to rectify this matter with Capital One directly, they have only removed the fraudulent account from my XXXX and XXXX credit reports, leaving it unresolved on my XXXX report. 

This fraudulent account, which I have never opened or authorized, has had a significantly detrimental impact on my credit score and financial well-being. It is imperative that this erroneous information be promptly removed from all of my credit reports to prevent further damage and restore my creditworthiness. 
As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). It is unacceptable for Capital One to selectively remove negative information from certain credit bureaus while neglecting to do so from others. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that Capital One complies with its obligations under the FCRA by promptly removing the fraudulent account from my XXXX credit report.
Consumer complaint received 2023-07-13
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. (SC)

On XX/XX/2023 I mailed in several disputes to all 3 credit reporting agencies along with those disputes each envelopes has my verification that I am indeed the one disputing incorrect information as of today XX/XX/2023 none of the CRA shows an active dispute In process on my profile and I very concerned about my disputes and why they have yet to start processing.
Consumer complaint received 2023-05-27
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. (MO)

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-03-02
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: Bread Financial Holdings, Inc. (ME)

A new credit inquiry was pulled from Comenity Bank on XX/XX/2023 for " COMENITYCB/MYPOINTSRWD ''. This is fradulent activity which I have reported to Comenity Bank as of XX/XX/2023. 

The person I spoke with at Comenity bank confirmed that my social security # was used to open the line of credit under my first and middle name. They also mentioned that an address in XXXX CT was used ( I have never lived in CT ) and they did not use my correct date of birth in the credit application.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

There were Fraudulent transactions on an PNC Checking Account I had last year. My account was unknowingly compromised from someone I DO NOT know which a check for $ XXXX as result I closed my Account by calling PNC Customer Service to stop further activity! NOW Im currently in debt of that amount and Im in XXXX XXXX & Its XXXX things I want to accomplish and have been trying to but can as result of this which I cant afford to pay and feel I shouldnt if I didnt or dont have an idea who may have submitted this Item without my knowledge!
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (VA)

I received a debit card in the mail that I didnt order and your agent on the phone posited that it is for unemployment benefits but I am 100 % employed so not sure what I can do to stop this. Usbank does not allow you to talk with a person they send you to their website and their website is very basic and doesnt let you do anything. I still dont know what to do to stop this card
Consumer complaint received 2023-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (GA)

Received out of state Emergency Care on XX/XX/XXXX in NC XXXX XXXX XXXX XXXX XXXX for a service-connected XXXX, I am a Veteran of the United States XXXX XXXX I was admitted to the hospital following transport. Address for XXXX XXXX XXXX per statement is XXXX XXXX XXXX, NC XXXX To date, I have received numerous phones and collection notices from Applied Business Services ( ABS ), Inc. XXXX XXXX XXXX XXXX, NC XXXX XXXX. 
The collection billed amount is {$580.00} for Date of service XXXX. 

I have contacted both the collection agency AND the billing Provider ( XXXX XXXX XXXX XXXX ). My insurance carrier has also contacted XXXX XXXX XXXX XXXX due to the following : Dates of service filed to insurance company are XX/XX/XXXX in the amount of {$570.00} and {$27.00}. the claim DENIED as " no dependent coverage ''. 
I am the only subscriber for this policy. Additionally, these are NOT the dates of service i was transported. Nor is there an inpatient claim for these dates of service.
Consumer complaint received 2020-08-04
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. (GA)

The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603
Consumer complaint received 2020-04-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I've never been late on my auto loan with Credit Acceptance. My husband was recently laid off due to XXXX and my hours reduced at my job. I contacted Credit Acceptance to see if they could defer my loan for 2 months until we get back to normal. I spoke wtih XXXX at Credit Acceptance. She was very rude and unwilling to offer any solutions to defer or make payment arrangements. She stated they are not offering those options and that we had to pay something on the loan anyway. She also stated that they would still report to the agencies that the account is late and that the credit agencies would be responsible for updating the account on your credit report. This company is not willing to assist any customers during this hardship. 

My account information is as follows : Credit Acceptance XXXX XXXX Account Number : XXXX
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Hello, 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 15 U.S.C 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. 

These accounts haven't been late since 2019. The information is inaccurate. Please remove late payments from below accounts. 
DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXXXXXX XXXX XXXX - XXXX - Is current. 
XXXX XXXXXXXXXXXX XXXX - XXXX - Is current. 
XXXX XXXXXXXX XXXX - XXXX - Is current.
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: EQUIFAX, INC. (HI)

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Name XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (NY)

in XX/XX/XXXX i cancelled a transaction for {XXXX} and i was refunded my money. 

On XX/XX/XXXX, Paypal charged me again for this {$XXXX}. I send them a letter to the address below and they have not replied. : PayPal, Inc XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.paypal.com XXXX I did not authorize them to charge me again. i am XXXX with medical conditions. I have not left the house in 3 months.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have hard inquiries reported on my TransUnion credit report ( I opened an auto loan on XXXX and I specifically told the dealership ( XXXX XXXX XXXX XXXX XXXX only to pull my credit twice and stated to which companies : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

The companies below are reporting hard inquiries I strictly was unaware of and under no circumstances did not approve of. I have mailed each company letter requesting deletion as I did not approve of and is negatively impacting my credit report. I also mailed a letter to TransUnion requesting deletion as I did not approve of it. No action has been taken. 

XXXX ) XXXX XXXX - XXXX XXXX XXXX- XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-08-04
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. (TX)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$4300.00} DPT ED XXXX XXXX {$3500.00} DPT ED XXXX XXXX {$150.00} DPT ED XXXX XXXX {$700.00} XXXX XXXX {$2400.00}
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2020 I received an email from American Express Serve that I had received my {$1700.00} stimulus check. I had realized that I didnt have the card & I immediately tried to call the customer service line but the automated prompt doesnt allow you to speak to a representative unless you have your card information, which of course, doesnt help at all for people who have lost their card. So I call the American Express customer service line & ask a representative to connect me to a representative in Serve & the call was either being disconnected after 2 hour long holds or after just a few minutes. With this virus going on, I understand that wait times are increasingly long because I am definitely not the only person with this issue but I need that money, Im a single mother & had I known these checks would be deposited into an account I didnt have access to I wouldve done my best to give them the correct bank information.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (IN)

XX/XX/2020 - XX/XX/2020 American Express Serve Card Stimulus check was direct deposited {$1200.00} 1. I am unable to access the funds since the Serve card I have was never activated. 
2. I ended up not getting a tax refund last year, so I never activated the card. I tried to activate the card via website and either the website was down, or it said it didn't recognize the card. I tried to activate it via telephone and the automated service stated I needed to verify my email from an email that was sent to me. I have no such email, so I'm not able to verify my email address.

3. I have tried to call customer service over 100 times and I either get a busy signal, get cut off when it says it's sending me to a CS rep or cuts me off after I wait for 2-3 hours. I have yet to speak to a human being. 
4. They have my funds and I have no access to them.

5. I am laid off from work and need access to these funds just like everyone else.

6. Customer service is no existent. I feel there is something shady happening with people 's stimulus checks and Amex Serve.
Consumer complaint received 2023-02-23
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. (FL)

Account # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error
Consumer complaint received 2020-06-14
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: Experian Information Solutions Inc. (AL)

i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report over 45 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.