davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Chase credit card automatically allows credit card spending to go over the credit limit. I did not sign up for this feature or did I have the ability to utilize the website or all to remove this option. Once I went over the credit limit my account was frozen because I was forced to pay off the debt to unfreeze the account. Essentially this is a marketing deception of zero APR credit cards to allow a credit limit but not allow credit limit protections so when the amount is breached that the credit card declines any purchases that go over the credit limit. Thus when I breached the credit limit that the payment was allowed but it shouldnt have allowed this thus my account was frozen and I was forced to pay debt to unfreeze the account as a conflict of zero APR period credit cards being a fraudulent marketing deception when credit limit protections do not exist on the initial purchases but deceived those that believe that the credit limit is a true limit and that another over the limit should be declined thus a marketing scam when I am forced to pay on zero APR to unfreeze the account when I could have an unfrozen account without needing to pay down any debt immediately as a credit card scam. I was told you can only call in to remove this option and that I could not do so while the account was frozen as they could not unfreeze until the debt was covered above the limit. This essentially creates a cover charge as a hidden fee to zero APR credit cards and should be illegal as a concern for hidden fees and obligation to pay debt down immediately.
Consumer complaint received 2022-04-14
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: MoneyLion Inc. (FL)

I have reached out via mail and phone to the company and received no response. 

The company 's listed contact information on my credit file is Contact XXXX XXXX  XXXX XXXX, UT XXXX ( XXXX ) XXXX However, They do not respond to any mailed correspondence and the listed phone number is a non working number. 

This account is fraudulent and needs to be removed from my file asap.
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LEXISNEXIS (NY)

LexisNexis is reporting fraudulently reported information. They refuse to take down information regardless if it's fraudulent, and older than 8 years old and in violation of reporting negative information beyond 7 years One of mant reference # 's XXXX Case # XXXX Case # 2 -- XXXX Consumer # XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-09-08
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. (IN)

Via the hack that exposed 137 ( approx. ) million US consumers credit data at Experian, I am apparently included. This is XXXX XXXX, 2017. I Just used their online portal to check, and my information is said to be included ( complaint portal at XXXX XXXX XXXX ). 
This is a complaint against Experian for failing to hold my data securely, and putting me, and millions of other American consumers at risk. 
This is ENTIRELY UNACCEPTABLE. We should not, in this day and age, even be using SS numbers as identification. This situation only drives that point home. But to have the very people supposed to be safeguarding that information leak it is beyond the pale. This entire model of doing business is looking worse and worse. 
I think I speak for a lot of frustrated consumers today when I say I demand something be done to 1. Punish Experian and 2. Make sure that this can not happen again.
Consumer complaint received 2018-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CO)

The reason I am making a complaint about Blue Trust Loans is because I NOW know they are a " XXXX XXXX XXXX '' company, so they can escape state usury laws. I borrowed {$1500.00} from them on XX/XX/2018, and TRIED to make a {$300.00} payment a few days later to lower my interest, but they refused to take my payment. I have to wait till XX/XX/2018, and arranged to pay {$1200.00}. 

THEN on XX/XX/2018, I will STILL owe {$800.00} PLUS {$270.00} interest. So for a {$1500.00} loan, within a TWO MONTH period I will be paying back a total of {$2500.00} -- over a THOUSAND DOLLARS in INTEREST!

I let Blue Trust loans know exactly what I thought of them, and I have no doubt that THEY are the ones who sold my phone number -- I now receive twice hourly calls from area code XXXX. I keep blocking each phone number as it calls me, but I get another nuisance call from a different phone number out of area code XXXX. I am going to have to change my home phone number thanks to these crooks!
Consumer complaint received 2017-09-08
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. (CA)

I was a victim of the data breach that occurred with Equifax, where my personally identifiable information was illegally accessed. I became aware of this upon the news of the massive data breach in the media on XXXX XXXX, 2017, and I confirmed via Equifax that my information was likely compromised. I have since placed credit freezes through all three bureaus but expect better accountability and oversight to be placed going forward, and that Equifax is held to account for this incredibly irresponsible and reckless action.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft for several years. I have at least XXXX correspondences from companies that my personal information was compromised from. There have been several accounts, address, phones number and personal statements added to my credit profile. I have tried for the past 18 months, contacting the credit reporting agencies ( experian, XXXX and XXXX ). Some items are being removed, but later reappearing. A lot of the issues still have not be removed. This has been an extremely frustrating situation. As a mother of XXXX, fighting XXXX, surviving 86 days in the XXXX  with XXXX, to have to spend so much time defending my integrity after being a victim. This has become disheartening and disappointing.
Consumer complaint received 2018-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (NY)

XX/XX/2018 I am complaining about the service that I got from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ( GreenSky, LLC ). XXXX XXXX started in XX/XX/XXXX on our kitchen and finish in XX/XX/XXXX. Now the water faucet do not work proper, it ' second faucet they put in.

We accept their working schedule and understood that there would be days that they could not work, but not stopping and be gone two weeks, come back work one day, then stop work take a other weeks. Our kitchen is not that big, it a small kitchen. The CREW 2 had a bad reputation for working on kitchens.

My wife became ill from the XXXX and frustration, that her kitchen was taken so long to finish, that she have be admit to hospital. She had to cancel dinners and wash dishes in the bathtub.

Yes we have been corresponding with XXXX XXXX  complaint center. Then it get like " passing buck '' to different representatives. Then all communication stop. Ms.XXXX XXXX, the XXXX XXXX representative said as soon as they finish we will be compensation.

I am asking for {$3000.00} be subtraction from my loan.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-02-19
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. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2017-09-08
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. (OR)

I had to look up on Equifax 's sketchy website whether I was affected by their data breach. According to them, I most likely was. Why were we not notified earlier? And why are n't they automatically watching for fraud on my account? I have to opt-in, and the terms make me promise I wo n't sue them. 

I also had some fraud on a credit card a few weeks ago ; I wonder if this is related, given some of the breached data included credit card numbers.
Consumer complaint received 2017-09-08
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. (CA)

Equifax hack led to breach in personal security. I was listed as potentially impacted. Due to a lack of security system, my personal information is now in the hand of hackers and my credit can be ruined leading to huge personal impact.
Consumer complaint received 2017-09-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc. (TX)

I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says MONEYKEY but my credit report says XXXX XXXX XXXX which is two different companies,
Consumer complaint received 2018-12-04
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)

Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2017-09-08
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. (MO)

I have been affected by the consumer data breach announced XXXX/XXXX/XXXX. I am extremely displeased that my information was and can be accessed without my consent to a credit reporting agency that I do not have the choice to conduct business with. I am a " customer '' of Equifax, whether I want to be or not. I am even more displeased with the amount of time it took to announce the breach to the public. Apparently, the breach took place between XXXX - XXXX of this year, but was not announced until yesterday, XXXX, and most importantly, various news outlets report that high-level executives sold their stock/shares between the time of the breach and the public announcement. This is a form of insider trading and has the potential to destroy the stability of the stock market. They should be punished up to the fullest extent of the law.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Companies Involved : Transunion XXXX Dispute : " XXXXXXXX XXXX XXXX '' : {$170.00} balance While XXXX has removed this collection notice, XXXX and Transunion services have not. Additional disputes have been unsatisfactory as both online and telephone services are non-functional. 

This collection needs to be removed as I moved out of XXXX in early 2021, after having just graduated ( spring ). This was immediate, as in significantly earlier than my lease end date, thus ending energy usage prematurely ( close account requests ). Bills are dated for much later ( summer/fall ), with fees, that XXXX has already stated does not exist under their agreement with Ohio lawmakers XXXX 

Originally I was going to submit a small claims against " XXXXXXXX XXXX XXXX '' but I can not ( temporarily ) at this current time due to the realization that they don't have a registered agent or conduct business in my home state ( New Jersey ). As recommended I will however consider this CFPB complaint as the two separate arbitration proceedings against XXXX and Transunion. After an appropriate amount of time, I will file a claim at my local courthouse.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

On XX/XX/2022 my Citi Rewards account was reported 30 days late and was past due of {$1400.00}. I spoke with a representative on the phone although they were very nice, I wasn't able to get assistance in this situation. Due to being in the hospital for health reasons I was unable to make my payment as I usually have since being a member. Once I returned home and got back on my feet my account was 36 days past due, but I was able to get ahold of a representative and make a payment of {$3000.00} to show good faith on paying my balance.
Consumer complaint received 2017-09-08
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. (NY)

I am part of the Equifax Security Breach that occurred in XX/XX/XXXX and that was publicized in Early XX/XX/XXXX. I feel that Equifax did not do enough to protect my personal and highly sensitive information from this breach. I am now worried that my personal information is at risk for identity theft and other fraudulent uses. I do n't think one year of credit monitoring will protect me from this massive misuse of mine and millions of other 's personal information.
Consumer complaint received 2022-03-16
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I was current with the previous mortgage servicer XXXX Home Loans until the COVID 19 pandemic hit and was placed on a COVID forbearance starting XX/XX/XXXX and as a United States XXXX XXXX XXXX I was suffering due to the restrictions placed by COVID as I was doing work for a church but it closed because of social distancing guidelines The forbearance continued until XX/XX/XXXX and I was approved for a deferment of 10 months of payments I starting paying Calibur in XX/XX/XXXX and continued to as they were updating my loan to reflect current My loan never updated before the service transfer to Fay servicing on XX/XX/XXXX but XXXX continued to have me pay because they knew it was a matter of time and my loan would reflect current When my loan transferred to Fay servicing it was a completely different mortgage servicing experience and Fay would not accept my payments I mailed one in for the month of XX/XX/XXXX but Fay sent a Returned Funds notice dated XX/XX/XXXX saying I was in active foreclosure in spite of the face Calibur approved me for a deferment I sent a copy of the agreement to Fay several times and it took Fay servicing until about XX/XX/XXXX to apply the deferment but for the 6 months they refused to accept payment Fay servicing refused to assist me and forced me to apply for a loan modification even though I was already approved and was paying my monthly payment before the service transfer my loan became delinquent due to the error in servicing by Fay in not updating my loan and not accepting payments