davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXXhis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

As of XX/XX/2018 I noticed a added debt on my XXXX  credit report from Debt Recovery Solutions. This debt is in the amount of {$53.00}. The original creditor sold this debt to another company previous to Debt Recovery Solutions. This debt was paid and closed due to insurance has paid the original creditor. Also, when I disputed this same debt, a letter was sent that it would be removed and closed. Now this again. Please note, I have never been contacted in anyway by Debt Recovery Solutions or had no idea my information was sent to them. The information never had my consent to be sold nor do I have any contract or dealings with Debt Recovery Solutions. Medical information is very personal and I feel my HIPAA rights have been violated. By Law, you can not add a debt to anyone 's credit report without notifying them first. I have reached out to an attorney regarding this matter as well.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

My personal information ( identity ), debit cards and multiple credit cards were stolen with my cellphone on the night of XX/XX/2019 my chase accounts were accessed fraudulently and my account info was changed without my permission or knowledge in regard to my pin, atm withdrawal limits, overdraft protection, and online banking login credentials. A blonde female unknown to me wearing green accesses my account at atm at XXXX XXXX XXXX XXXX XXXX La and made 2 withdrawals in the amount of {$200.00} and {$800.00} at approx XXXX and XXXX AM morning Of XXXX XXXX. Local police have provided me with image from ATM from Corporate Security ( image has been attached with this complaint ). I have reported these fraudulent transactions to Chase multiple times and I have submitted two police reports in regard to the above. In addition to the unauthorized atm withdrawals, Multiple individuals including the blonde female in green and two other gentlemen were noted in XXXX police report submitted to chase bank using my stole. Credit and debit cards at approximately XXXX AM the morning of XX/XX/2019. Chase has determined that the debit and credit card charges made were fraud but indicates the atm withdraws total of {$1000.00} were correct. I did not make, permit, or authorize any atm withdrawals by any individuals. And I did not make the atm withdrawal. I have photo showing gurl in green making the atm withdrawal provided by XXXX XXXX police officer detective XXXX XXXX.
Consumer complaint received 2019-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP (CT)

Last year my student loans held by Key Bank were changed from being serviced through XXXX XXXX to XXXX. Yesterday, XX/XX/2019, I received a letter from XXXX informing me that one of my Key Bank loans had been moved to collections and I need to pay them a little more than {$21000.00}. Today, XX/XX/2019, I called Key Bank. They told me that one of my accounts with them had been cashed out back in XXXX due to lack of payment. This makes no sense as I've been making my monthly payments. Key Bank went on to tell me that they have records of attempting to contact me on the phone. I have received calls from them in the past, however, these were all automated calls regarding various times that I have occasionally been a little late with my payment. On all of these occurrences I made the appropriate payments via the XXXX website I was instructed to use and then the automated calls stopped. I have not received any other notices that I had any accounts in delinquency. In fact, both XXXX and Key Bank simply stopped sending me bills for the problematic account and it does not show up at all on the website I use for payments. I went on to call XXXX following my conversation with Key Bank as Key Bank instructed me to. They said that I had stopped paying that one account last XXXX. I asked them how that was possible since all my other accounts are up to date and they take a single payment from me to pay all of them. I was told that I'd need to speak to a supervisor about that, but they'd have to call me back because they're too busy. I'm currently waiting for their call back.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I added an authorized cardholder who is my girlfriend 's brother. Then I tried to use my Member Rewards of XXXX Platinum to transfer to XXXX miles. However, " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' the above statement shown on Amex website. Till now, I still haven't received any email or mail regarding " Member Rewards Review ''. It will take six to ten weeks to finish this process ; stated by the agent. I think I deserve every single point I earn from purchases. Amex should draw a line that some points might be suspicious if they want to investigate instead of having all points frozen. That makes nonsense for customers to pay {$550.00} annual fee to earn points.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC. ()

I asked them to validate debt. They shared my information without my signature and broke Hippa Regulations. Notices were sent certified mail and they responded by sending personal information without my signature authorizing them to share my information/personal data. 
Wakefield and Associates XXXX XXXX XXXX XXXX XXXX TN XXXX ph # XXXX. 
I am requesting all the files be removed some are duplicated with new dates same amount ( which is inaccurate information on top of Hippa Violations. A report is being filed w Hippa. 
Acct # XXXX Signature was not provided or authorized by debtor or to collection agency ( I did not sign anything giving them authorization to share my information with credit reporting agencies or any information with third party or any business. I did not authorize creditor or sign a release from Hippa authorizing Wakefield and Associates or Hospital or Emergency Dept to access my medical records ( this is a direct violation and these MUST be removed from my credit reports.. Proof of this debt was not validated nothing on file with my signature given to this creditor or debtor authorizing them to share my information. 
I sent them notice and they failed to validate debt however sent personal information obtaining procedures and personal information without my consent or authorization. These must be removed as it is a direct violation.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Since i got this car i been complaining about manny mechanical problems on the car, every single month i have to put alot money to fixed. 
Is XXXX  XXXX XXXX and the price over {$9.00}. 
I ask the financial company 1 time to help me fix it and add the cost to my loan or any help and denied. At this moment car is down again. When i bough the car they told me was fine so i feel like they rip me off and now im about to call get the car but they go put repo on my background. 
Can us help
Consumer complaint received 2021-12-15
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. (PA)

I am writing this letter to complaint delete the following information in my credit file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was legally allowed by the federal bankruptcy court on XXXX XXXX in XXXX maryland to be allowed to discharge approx XXXX in unsecured credit card debt owed capital, one a limited llc, corporation.The bankruptcy final judgement occurring on or about the end of XXXX or the being of XXXX The legal department of Capital one credit in a capricious, illegal and retaliatory manner attached a lien again me and my then wife XXXX XXXX XXXX XXXX XXXX then home at : XXXX XXXX XXXX XXXX md XXXX This prevented us when our fledgling XXXX of only 7 years failed, from us selling in a free market our business and home in a timely manner. The illegal lien placed by capital one upon our principal residence prevented such a sale by us, because we lacked the funding necessary to secure legal counsel against this giant corporation. Although such action was seriously considered by us. 

As a result our entire equity in our principal residence which was close to XXXX XXXX was lost when the bank who held our mortgage note foreclosed and privately sold our home to an undisclosed third party I demand this XXXX sleepy companies practices be exposed and all legal damages be paid to me XXXX XXXX XXXX and my formal spouse at the time XXXX XXXX. 

Capital ones knowingly went gainst the direct court order of the federal administrative judges final verdict and the executives should be found culpable of criminal conspiracy to defraud a small business owner of their sole key asset, their home XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I was charged twice for an item XXXX. Then I returned the item getting a credit of XXXX. I never received the funds for the double draft. I contacted Truist via the XXXX number and submitted all of the fraud claims paperwork via branch and asked them to close down my account due to this being the second time I had fraudulent activity within 30 days. My claim was denied after multiple attempts. Then my account began getting charges. On XX/XX/XXXX I was charged twice for account access fee of XXXX for XXXX and XXXX. Then due to having no funds on my account which should have been frozen I was charged {$72.00} in insufficient funds fees. This totaled XXXX. Upon paying this I was assured that my account was made current, frozen and no more fees would be assessed. That I could go into the branch to close my account but in 30 days it would close due to inactivity. 

On XX/XX/XXXX I was issued a check on auto draft to the closed account. I contacted the XXXX branch and was told my check had been deposited but the location of the check was unknown. Meaning I could not receive/ cash it. On XX/XX/XXXX My check arrived at XXXX XXXX XXXX  missing {$73.00} charged as a recovery fee. On XX/XX/XXXX I went into the XXXX branch and I was notified that my claim was denied and a charge off was made on XX/XX/XXXX for XXXX. XXXX ( employee ) Contacted the corporate office via phone on XX/XX/XXXX three times each time they hung up on her. She stayed in the branch until XXXX and she stated that the next business day she would contact them and find out the cause of the charges and why I was not contacted about my check being received, garnished, and mailed. As well as to what the charges were for.
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Capital Accounts, LLC (TX)

I recently made a payment on XX/XX/XXXX. Prior to that I made two payments. One in XXXX and had a problem with insufficient funds. Second payment I got the account number wrong so it bounced back. I agree to these payments. Lastly I was told by XXXX XXXX I made a payment from a XXXX  account which is not mines. I let them know this is a fraudulent payment. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last 3 months. I have am had a XXXX XXXX episode which kept me out of normal day to day life for 4 months. I am trying to get myself back together now and made a payment only for my account to be closed. I need access to credit all of this has destroyed my life. I need assistance with this.
Consumer complaint received 2019-08-06
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN DESTROYED. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I have had a checking account with Chase for approximately XXXX yrs. I recently received a letter from Chase that stated " upon review We have decided to close your accounts '' and would I please withdraw my funds no later than XX/XX/2021. I keep a decent balance, have never overdrawn, bounced a check or had any issues. I pay my credit balance on time and usually in full. I also have a car loan with Chase and pay that monthly and on time. Calling the 800 number provided on the letter did not help. The call went overseas and the person at the other end could not provide any information as to why my account was being closed. Visiting my local Chase branch where I conduct business was not helpful either. They also could not or would not provide any explanation as to why my account was being closed. My Wife is currently overseas and now will have no access to funds, I'm really not sure what to do so that she doesn't end up stranded. My Social Security check is direct deposited to this Chase account. I've already contacted S.S. and had my payments directed to another bank. However they take time to process the request and I'm going to miss my next months payment. As a retiree this really hurts. I really don't know what I did to warrant this kind of treatment. Chase claims they had to close one of my previous accounts. This was a business account that was closed at my request upon the sale of that business.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$6100.00} XX/XX/year> 15 U.S.C , 1681section 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. Any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-15
Product: Credit reporting 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)

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. 
has violated my Consumer rights : Account name : XXXX XXXX XXXX  Bankruptcy : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  : # XXXX Account name : XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX : # 1XXXX, Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX  : # XXXX, Account name : XXXX  : # XXXX, Account name : XXXX : # XXXX, Account name : 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 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 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.