davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (SC)

I purchased a {$500.00} prepaid XXXX gift card. I used that gift card to pay part of the cost of XXXX computers from XXXX. I subsequently returned the computers to XXXX as it I was able to find some better computers at a good price from another merchant. When XXXX processed the refund for my computer, they applied the entire refund to the {$500.00} gift card, which was {$980.00}. Upon doing that, the gift card company blocked the card so that I can not access the money. I immediately contacted them and was told to send in a receipt from staples showing that I had returned the computer and they would unblock the card in XXXX to XXXX business days. I immediately sent the receipt to the gift card company. This was on XX/XX/XXXX. The gift card is still blocked as of today ; XX/XX/XXXX. I have repeatedly called the gift card company and they now refuse to give me a time frame for when or if they are going to unblock my card. I feel it is not acceptable for this company to withhold {$980.00} of my money from me for such a long time for no apparent reason. Furthermore, I told them I wanted to send a letter of dispute to their company so that I could later file for arbitration, as per their terms, they have 30 days to respond to a dispute. They told me I am not allowed to send in a dispute since my card issue has not been resolved. By that logic, they could keep my money locked away for 20 years! Please help me hold this company accountable for their actions and give me my hard earned money back! I need that money to pay bills for my family. This company also told me they would not be paying me any interest for the money they are with holding from me against my will. 

The Gift card number is : XXXX I have attached a copy of the return receipt from XXXX. You can see where the refund was processed back to this card.
Consumer complaint received 2021-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently found out that I was a victim of personal identity theft and that I have multiple ( XXXX ) hard inquiries on my credit report that do not belong to me, due to the person trying to open up different credit card accounts. None of them were accepted but all the inquiries are negatively impacting my credit score. I let all of the crediting companies know ( XXXX, XXXX XXXX Capital One/Saks , XXXX XXXX XXXX ) but had a ton of trouble with Capital One. All the other XXXX banks were quick over the phone to discover the fake application, mark it as fraud, and file the dispute to all XXXX credit bureaus on my behalf, but Capital One insisted that they did not have a process in place for it. Instead, they asked that I fax over a photo of my social security card or passport, which I think is ridiculous. I called XXXX separate times to try to get a solution but they are the only ones who do not have this process set up, I believe I was treated unfairly.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2018 I received notification of fraud activity on the credit card i had with Barclays Bank Delaware. The credit card was promptly shut down by bank and investigation was opened into fraud activities detected. 
Ever since then I received no correspondence from the Credit card. It is until I ran my credit report that I noticed that its being reported as a charge off. 
I've made an attempt to clear this from my credit credit report. I have filed dispute with credit agencies about inaccuracy of report and classification of activity while i have received no response from the credit card itself to remedy this huge problem its inaccurate reporting caused.
Consumer complaint received 2023-06-27
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-27
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. (PA)

I started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.
Consumer complaint received 2017-05-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NV)

I have attempted to have  several student loans that have been cleared or discharged by the Department Of Education.    XXXX   and  XXXX  have been notified and sent several copies of the discharge notification. The student loan that are on my credit report are not mine.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter to the 3 reporting companies asking them to investigate the bankruptcy that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.
Consumer complaint received 2018-02-13
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: CITIBANK, N.A. (TX)

I paid a company XXXX XXXX XXXX XXXX on XX/XX/17 XXXX.When i contacted my credit card to dispute the charge they initionally gave me a provisional credit.I disputed it as services not rendered but they did not look at it that way and put the money back on my card.That was a mistake on their part.It should have been looked at as services not rendered. It also happened to me with Renevate to rent who charged me XXXX and rendered me no service.I would think these should be looked into properly.Master card made the mistake and i am paying for it.Thank you  in advance.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (NJ)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (SC)

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 rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-13
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. (IL)

Based on.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer rep560er the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer n agency WRITTEN CONSENT to report anything on my consumer report which viol rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-02-03
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. (NY)

My name is XXXX 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.
Consumer complaint received 2024-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (GA)

I purchased my home with a FHA loan XXXX of XXXX for the loan amount of {$160000.00} In the last 24 years I had at least 2 modification but nothing to justify the increase of nearly {$190000.00} in fees added to my new mortgage. 

I have paid on my mortgage since XXXX of XXXX  and my rate has been lowered a few times during this process yet my balance continued to increase tremendously during modification process yet the paperwork does not reflect this change. 

My modification balance is estimated to have increased nearly {$180000.00} in addition to my mortgage was restarted with brand new 30 year term. 

When I reached out to Chase to get help to resolved this issue regarding my mortgage loan they provided me with incomplete mortgage payment history, they had missing documentation and no explanation of the new inflated balance, yet no resolve. 

Shortly afterwards my mortgage loan was sold to another servicer known as " XXXX XXXX XXXX  ''. 

At the time of the sale to the my new servicer my estimated balance was around {$260000.00}. 

The modification loans Chase refinanced me into were predatory in nature and contain absorbent unjustified fees design specifically to eat up all the equity in the property. 

The paperwork Chase provided does not match the amount of money added to the loan. This has been extremely stressful and caused a lot of back and forth phone call and much concerned for my family. 

Yet Chase has not provided me with any resolve or made any attempt to correct the obvious error in years. Instead they sold my loan to avoid accountability. This is a huge red flag in fair lending practice. I trusted Chase and I trusted FHA!
Consumer complaint received 2024-04-08
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: Trident Asset Management, L.L.C. (DC)

My information was used to apply for auto loans and credit cards. I was impacted by the XXXXXXXX XXXX leak. My public benefits have been stolen on multiple occasions in the past 6 months.
Consumer complaint received 2021-11-25
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. (NY)

I recently was informed by XXXX that after a review of my account, based on credit reporting from Equifax, one of my credit cards which was inactive and had a zero balance was closed. The decision was based on information from Equifax which claimed that I had serious delinquency and/or past due accounts, poor payment history, too many requests for credit, and age of accounts. 

None of that is accurate. I consistently check my report to ensure no fraudulent activity occurs, I have not been late on any of my financial products in the last 10 years. In fact, according to their own reporting, it would appear as stellar, with zero payments late, no past due accounts, low balance carried month-to-month, etc. 

All the information within my report is contrary to what is claimed in denial letters. I have reached out to EQUIFAX on several occasions to try and get to the root of this issue. Yet, each time I have spoken to one of their agents, they are hostile and rude, and no resolution has come to light.
Consumer complaint received 2023-06-27
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. (CA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX Mortgage Companies inquired on XX/XX/2022 . 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Today XX/XX/2024, I ( XXXX XXXX ) Was contacted by another collections agency and it led me to investigate my credit report. Finding that there is a collections mark from a " XXXX XXXX XXXX '', from a Walmart Reward card. 
I ( XXXX XXXX ), have never opened a Walmarts reward card nor am i the owner who has access to the account. My mother ( XXXX XXXX ) is the account owner and the only person who has access to it. I am only finding out about it due to my personal investigation. This account was opened under my name, my mother having access to all my information and listing herself as the secondary name on my credit report. 
I put in a dispute to have her name removed and it has now been removed.
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

We continue to get early morning phone calls from  Ocwen Loan Servicing .  Today (  Saturday,  XXXX   XXXX   )  Ocwen called my home at  XXXX  and woke the entire family. Before I could get to the phone,  Ocwen hung up and did n't leave a message. I have repeatedly told Ocwen re presentatives to never call my home early in the morning - especially during weekends.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed why not lease it account with Transunion but they claim to verify their results. But per the company who the account was sold this account was not reported to the agencies and this account has not been validated as per FCRA showing a contractual agreement.
Consumer complaint received 2021-11-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hello, my name is XXXX XXXX. I am filing this complaint for my self because I did not receive a response for debt validation from Portfolio Recovery Associates as previously requested. 

I am in dispute of the account you are furnishing against my consumer report. I am requesting validation of this debt using the exact criteria below. 

Please provide the following : Name and address of alleged creditor. 


Name on file of alleged debtor. 


Alleged account # Address on file for alleged debtor. 


Alleged account # Amount of alleged debt. 


Date ( this alleged debt became payable ) Date of original charge or delinquency. 


Was this debt assigned to a debt collector or purchased? 


Amount paid if debt was purchased. 


Commission for debt if collection efforts are successful. 

Please attach copies of the following : Agreement with me that grants Portfolio Recovery Associates the authority to collect this alleged debt. 

Signed agreement I have made with Portfolio Recovery Associates, or other verifiable proof Portfolio Recovery Associates has a contractual obligation to Portfolio Recovery Associates. Any agreement that bears my signature and the XXXXignature of Portfolio Recovery Associates or their registered agent, wherein agreed to pay Portfolio Recovery Associates. 

All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 
Please circle yes or no Yes No Please provide the name and address of the bonding agent for Portfolio Recovery Associates in case legal action becomes necessary : Authorized Signature of Portfolio Recovery Associates : ______________________ Date : __________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have hard inquiries by several companies I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX line ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX )
Consumer complaint received 2021-11-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (OK)

I got a phone call from MEDICAL DATA SYSTEMS and the agent was extremely rude and threatened my credit while I was trying to determine the validity of the debt. I asked if she could give me a settlement snd she refused to answer the question unless I give her all my financial info. She told me I was wasting her time when I was willing to pay all I wanted was something in writing and she refused to send saying they gave me an initial notice. I didnt get them and wanted to go over dates as these took place during Covid while I was on unemployment and no health insurance now I am being penalized by damaging my credit.