davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/XXXX, I applied for a card using a brochure that my partner brought home from a flight. 

The no annual fee for the first year was appealing and so I applied, and received my credit card. 

In XXXX, I used it immediately and the first statement showed the annual fee. I called in XX/XX/XXXX to see if this was a mistake. I received a generic letter as a response on XX/XX/XXXX. It did not answer why I did not get the annual fee for the first year waived or credited back to me. 

The supervisor who took my call indicated that I had not filled out the application and handed it to an XXXX XXXX personell at the time the brochure was given. 

This ridiculous, tepid response negates the language on the front of the brochure which I am attaching. 

Would you review and determine if I am incorrect in understanding what no annual fee means? I understand that it is a fee that provides me benefits and that the subsequent years I have the card, I would pay the fee. 

Thank you for your consideration. I am attaching the brochure, code XXXX. I used this information when I applied online so I did not fill it out. I also attached the response I did receive from Barclay 's. 

XXXX XXXX XXXX XXXX XXXX card number is XXXX XXXX XXXX XXXX. 
I am XXXX XXXX I reside at XXXX XXXX XXXX, XXXX, FL XXXX My email is XXXX XXXX
Consumer complaint received 2023-08-12
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. (SC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

My wallet was stolen from the XXXX at XXXX XXXX XXXX, in XXXX Ga XXXX On XX/XX/XXXX. I filed a police report on XX/XX/XXXX With the XXXX XXXX Police Department. On this same day I went back to the gas station to view video footage with an Officer which clearly shows someone Stealing My wallet. I filed a claim with western union for a tracer, then I was told that it would take 90-120 days to investigate the stolen money order. I called western union on many occasions during this time frame only to be told they were still investigating it, they didn't have any updates and could not contact the department that handled the investigations. So pretty much it was a waiting process. On one instance I was told that the bank who cashed the money order was XXXX XXXX, when I contacted them I was advised that there was nothing they could do and I would have to wait on Western Union. With this being said I continued to wait and continued to follow up with Western Union only to be told I still had to wait, no one would connect me directly with a manager and the one time I did speak to one I had to wait over 30min. My last contact with western union I spoke to an associate and told her I wouldn't provide any of my information until I was connected with a Manager. When the manager finally was on the line she attempted to pull up my money order transaction without me providing her with the money order number and told me that the claim had been denied. When I questioned her about the number she put in, she then asked for the money order number and still told me the claim had been denied. I asked her why I didn't receive any documentation from Western Union about why the claim had been denied and she told me she would send something in the mail of which I never received. This was my last conversation that took place with XXXX XXXX on or around XX/XX/XXXX.
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc. (KS)

On XX/XX/XXXX, Midwest Service Bureau, located in XXXX, KS call me AT WORK trying to discuss a debt owed. I told them I was at work and to stop calling. Then on XX/XX/XXXX, they called me again and I told them AGAIN to stop calling me at work and he preceded to talk over me acting like he did not hear me. My boss then got on the phone and she told them this was a place of business and to stop calling here. He was trying to argue with her and she cut him off stating to him they are NOT allowed to call at work. He again tried to argue, but she told him to stop calling. 

The amount owed is less than {$200.00} - which technically my ex husband owes according to court papers and Midwest Service Bureau was told that also.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (DE)

XXXX I received a letter from Chase telling me that the terms of my checking account were changing indicating that I would need to do something to avoid paying service fees. So I go to my Chase online banking to look at my checking account balance which was ~ {$1200.00} and it is not there, Chase has removed my checking account from my online banking and I have no access to it. I call customer service and they tell me it was removed due to inactivity. There was no warning, no letter, no email, no communication that this was going to happen. They tell me the only way to get my access back is to go to a branch and show identification. I explain I'd rather not due to XXXX plus I work and would need to take time of work to do so and that I could provide whatever identification they needed digitally but they said no, you must go to a branch. What happens to those that live XXXX or XXXX miles from a branch, do you make them take a day off of work and spend {$100.00} in gas to drive to a branch or make them fly in to get their money back? 

So I finally get to the branch on XX/XX/XXXX during the work day and spend 30+ minutes explaining what happened, they re-activate my account and I have now incurred two {$20.00} service fees which I had no opportunity to avoid since they took my ability to transfer money into the account away from me without warning. The branch manager waived one of the fees but said she didn't have the ability to waive the 2nd fee even if she wanted to, they only allow bankers one fee waiver. She gave me a number to call to get the 2nd fee waived. I spend another 30 minutes on phone explaining my story and they waive the 2nd fee. The day I got my access back, I transferred {$300.00} into my checking account per the bankers instructions to get my account balance above {$1500.00} to avoid future fees. I check my account online on XX/XX/XXXX and now have a new {$12.00} fee. I call and explain the story again, they understand and said they'll waive the fee. I check each day, no fee waived. I call on XX/XX/XXXX and spend another 30+ minutes explaining my story, he said my fee waiver request was denied because I needed an average daily balance of {$1500.00} throughout the cycle and I must have been a few pennies shy and there was nothing he or anyone at Chase could do to waive it and I had no choice but to pay it and there was no way to escalate this to anyone else, that he was the escalation and the end of the road.

This is insanity! When did Chase become this way? The last rep acted like they were doing me a favor waiving the first two fees when CHASE is the one who took MY MONEY from me without warning and then started charging me fees when I had no way to access my account! Is this criminal? Can they do this? I am now transferring my money out because when I asked to close my account he said I couldn't close because I needed to have a XXXX balance and I had nearly {$1500.00} in there. All of this over a {$12.00} fee that they refuse to refund.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

BTW Im in the XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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: CORELOGIC INC (FL)

CREDCO ( Finance ) XX/XX/2021 CREDCO/CREDCO ( Miscellaneous ) XX/XX/2021 XX/XX/2021 CREDCO ( Finance ) XX/XX/2021 These are the same company that credit that pulled my credit in different times with the same company. I am a XXXX they used my information without my knowledge. My score XXXX. It went down under the XXXX. It was a hard pull each time the same company.
Consumer complaint received 2016-08-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: United Student Aid (USA) Funds (WA)

Summary : I attempted to pay off my student loan debt. I am discovering now that I was given incorrect information and I am now being charged a XXXX % collection fee which amounts to {$640.00} on top of what I thought was my final payment of {$3600.00} to close out this account. 

1. - XXXX/XXXX/2016 - I called to pay with my debit card, since I was unable to online, which would have been an immediate payment within the 60 days - and I found out that I could n't and had to pay by check. I received a 2 day payout amount of {$3600.00} via the automated line. 
2. - XXXX/XXXX/2016 - I called to confirm the overnight address ( because the original address I was given did n't match what I found online ). I was advised that I could overnight payment XX/XX/2016 to arrive XX/XX/2016 to payoff the student loan in the amount of {$3600.00}. 
3. - XXXX/XXXX/2016 - payment should have been received, but may not have been forwarded to the correct department for processing? 
4. - XXXX/XXXX/2016 - payment was indicated as received ( advised XXXX/XXXX/16 by XXXX XXXX Escalations Dept. USA Funds ) 5. - XXXX/XXXX/2016 - advised by XXXX that the amount of {$3600.00} was not the correct amount to pay despite it being the amount given by the system and XXXX subsequent representatives. It should have been {$3600.00} -- which I was never advised of, otherwise I would have happily paid that amount. 
6. - XXXX/XXXX/2016 - advised by XXXX that the information I was given in XXXX was incorrect and the payoff date was XXXX/XXXX/16 and even paying on XX/XX/XXXX would have been late and incurred the late charge. 

Concerns : 1. Why was I not allowed to pay by card on XX/XX/XXXX or XX/XX/XXXX - in which this entire issue would have been moot. 
2. Why was I given the wrong amount? I would have easily and happily paid an additional {$7.00} to be done with this situation. 
3. Why would I have overnighted payment if I had been advised that it would n't payoff and close out the account. 
4. Why is there a XXXX % fee ( original payoff amount given {$3600.00} - current late collection amount {$640.00} ) for a payment that is by their own assessment at most 48 hours late. 

Despite doing everything I could to collect the full amount and pay it on time, then jumping through the additional hoops of having to pay it by check and overnighting the payment ... I was very surprised to find that I again owed them a XXXX % fee of {$640.00} which feels outrageously high in any situation, but particularly on a debt that was by their account 48 hours late - but only due to USA Funds own processes that feel like they are built for the consumer to fail.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In accordance with the fair credit reporting act Discover Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Im having serious difficulties with the XXXX major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. XXXX  DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM XXXX OR EQUIFAX. XXXX decided to send me a letter asking if i was working with a " XXXX XXXX '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS
Consumer complaint received 2022-03-04
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. (VA)

On XX/XX/2022 Equifax placed a collection account of {$1200.00} by XXXX. XXXX. I reached out to EQUIFAX voicing this was fraud/identity theft. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I am a victim of Identity theft. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (WI)

I received a bill in the mail from a company called XXXX XXXX showing that I have a {$200.00} balance. I see that there was an inquiry with XXXX on XX/XX/XXXX. The statement refers to a purchase made on XX/XX/XXXX. 

I have no idea who this company, and most certainly did not open a line of credit or purchase anything from them. I do not see a line of credit that was opened, but I have this statement telling me that a payment is due no later than XX/XX/XXXX. 

I've put a freeze on my credit report with XXXX, XXXX, and XXXX, but worry that whatever was done here was already done.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I am only writing this to have something on the record to show my lawyer for when court papers are filed when Equifax 's 30 days are up from the certified letter my lawyer had me send Equifax. I am curious as a previous communication from Equifax stated that XXXX XXXX XXXX was not currently being reported and I have sent Equifax a copy of the settlement by XXXX XXXX XXXX 's representative and myself and my lawyer claiming the debt can not be collected on by the defendant who was their representative. By that companies own admission, the account information was already in control of the account as the company sent it back before the settlement. This would make XXXX the defendant as much as their representative and needs to be removed.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

I received an email stating " congratulations on your new card, we will be sending it to you shortly ''. I researched the company and saw that Comenity had a lot of complaints and that the card that they were trying to send me was for XXXX XXXX ( which turns out to be a camping/outdoors store ). I would never need this type of card and did not request an account. I then received the email stating that they were mailing it to me and reached out to The XXXX XXXX XXXX XXXX XXXX issued by Comenity Capital Bank. I refused to give my social security number or verify my mailing address and the representative stated they could not help me. The representative stated he could tell me that yes I did have a new account and a card being sent but that was all he could share. About a week later I received the card in the mail. As of today ( XX/XX/23 ) it has been reported as a new account with the credit bureaus.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Delete the accounts now I never owed these debts, and reporting them without my consent is unacceptable. I provided my new address, yet the debtors quoted my old one when contacted. Your non-compliance is unacceptable, and I demand an immediate resolution. Comply promptly, or I'll take further action.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Tried to get all old personal info wiped and will not do all is wrong and inaccurate. Please remove personal info. I have only applied for XXXX things in in last 3 years and it show I have over XXXX inquiries. This is not me
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX  account # XXXX, Chapter XXXX Bankruptcy reference number XXXX, Chapter XXXX bankruptcy XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  account number XXXX Ive also had inquiries : 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 602A. 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 without my written consent or written instructions.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UMPQUA HOLDINGS CORPORATION (WA)

have been a victim of identify theft. They had my social, birth date and a drivers license in my name. 
First on XX/XX/2018 a person mid thirties walked into Umpqua Bank - XXXX, Ca branch and pulled a loan for a total {$10000.00}. The Manager said they were very high tech and the ID scanned and they setup a phone number earlier that worked when they called it to setup up the account. The also had a address in XXXX that they used. The person said he was at a funeral in California and needed the cash. And the manager approved the account.