davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (GA)

I have a credit score of more than XXXX. I have an auto loan with an perfect payment history. My credit report does not reflect any negative balances, any late payments or anything negative. I am a also XXXX woman with a thick accent. I stopped by a Target located in XXXX Ga, on Saturday XX/XX/2019. I was looking at a promotion that expired that day where I was to get a discount coupon valued at XXXX if I signed up for the Target credit card. The associate convinced me to apply, as he said it was a pretty simple and instant process. Since I wanted to expand my credit portfolio and had a pretty good credit score, and the promotion was very attractive, I took the bait. To my surprise, I got a receipt saying Id get a letter in 7 days. After I did some search online on many credit forums, I discovered that people had actually called in after receiving such notice and they would find out they were approved. Many consumers reported they were approved even with credit scores in the lower 600s. I called the XXXX, and was transferred to accounts payable. The first person immediately told me I was declined because I had " no credit history '' Which is false. Then she told me it was because I didn't have credit cards and they decided my score credit wasn't good enough to issue me with a Target credit card. That the bank, TD Bank USA, didn't deem me a good " fit ''. Since I know I have a good credit history and score on file and actually hold an auto loan with a very well known bank, I knew there was something more to this information. I requested to speak to a manager and I asked her first for her information to document it and have it ready when I filed a complaint with the corresponding government agency, and my attorney. The reason I want to escalate this is because I feel that there was some discrimination regarding the approval process as they have information on my demographic by looking at the places I've lived at. I also know there was a switch and bait during the whole process. The employee who took my info at the register gets his commission. Target hits their numbers without issuing the XXXX promotional coupon and I get a bad hit on my credit score without obtaining any benefit, no discount coupon and no credit card either. So the " manager '' identifies herself as XXXX, literally mocks my government agency comment by saying " what government agency lol what are you talking about '' And by finally saying in an extremely hostile, terse and disdainful tone " you better learn how to speak to me or you wont get any information from me '' So I hung up without any information besides what was originally given by the first accounts payable associate.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (DC)

After leaving from XXXX, my payments for both XXXX and Navient began to kick in. At the time I was making an annual salary of {$47000.00} and living away from home, in XXXX I took the time to calculate my cost of living which included my rent, groceries, public transportation to work, and monthly loan payments to several lenders ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and Navient ). After reaching out to Navient to try to lower my monthly payments, since I would rarely have enough money to eat after paying, I was told unless both my consigner and I could not afford it my only choice was a forbearance. Being that my father is my consigner and I did not want to burden him with my payments. The way the forbearance was communicated by the Navient telecommunications person was very misguided. He made it seem as if it was a small grace period that the company allowed for their customers in order for the customers to find some other alternative if they could not afford said payments. There was never any mention that by accepting forbearance you penalize yourself for at least 12 months without any chance of being able to refinance your loans with another party. This is just one example of what this company has done to prolong my time in debt to them. They are constantly penalizing me with interest payments that I do n't understand. Until now I still can not make payments on time since my salary simply does not allow for it. Unless I was to starve myself or walk an hour to work everyday I will never be able to afford these payments. My life has become full of XXXX because of companies like Navient and XXXX XXXX. I look forward to the day I can refinance with another more trustworthy institution. No one should have to live this way.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX
Consumer complaint received 2022-01-26
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-08-28
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. (WA)

This not a DUPLICATE report and this is not filed by a XXXX XXXX. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have 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. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I went to XXXX to try and buy diapers and meds for my sick kids when I went to check out the total came to {$130.00} so I wrote a check and gave them my ID as well. I recently got married and my last name changed so they asked for more identification since my check and Id had different last names even tho all the other info was the same. So I gave them my debit card that had the correct last name as well and the manager requested I enter my pin for verified I did and he called the bank and verified everything and then still stated he couldnt accept my check or my debit card for the purchase so I said nevermind and left. The next morning I woke up to a charge from that exact XXXX store for {$530.00}!!! I called chase immediately and disputed the transaction and they issued me a temporary credit. Then on XX/XX/XXXX I received a letter in the mail from chase stating they made their decision and were reversing the credit and removing the {$530.00} from my account. I called and tried to appeal this decision but because I didnt have a receipt or anything saying I canceled the transaction ( which I never authorized the transaction in the first place nor did I authorize them to charge ANYTHING to my card ) that there was nothing they could do! I spoke to 3 different managers and no one helped me. So on XX/XX/XXXX they took the {$530.00} back out of my account causing me to not have the money for my kids XXXX gifts or to pay my cell phone and car insurance payments. I have told them I never authorized any charge from that XXXX let alone over {$500.00} I never spend that much. We are a lower income family on a fixed income I am XXXX XXXX and have XXXX XXXX XXXX XXXX children.
Consumer complaint received 2023-04-17
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-11-30
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. (TX)

I contacted all the major credit reporting companies about the accounts listed below that is fraudulent accounts. I already sent them my police report and they still have refused to remove the accounts from my credit report. 




XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late XXXX Days Late XXXX Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - -
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MM Finance, LLC, Bellevue, NE Branch (KS)

I am a victim of identity thief. 
My identity was used in XX/XX/XXXX for a payday loan with MM finance , LLC EZ money check cashing. 
I have submitted a claim through the federal trade commission at XXXX 
I also contacted the attorney who I disputed the case with because I was improperly served court papers. I did not receive any documents about the court case or I would have shown up and plead my case because this is not my debt. 
Due to improper servicing I am now being garnished for a debt that I am a victim of identity theft on. 
The attorney XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX ) Has been sent documents by me by certified mail on XX/XX/XXXX. 
As of now, XXXX XXXX XXXX XXXX is in violation of consumer law codes that they were provided with the certified letter that was sent to them.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/year> there were withdraws on an ATM of {$500.00}, {$500.00}, {$500.00} my maximum withdrawal is {$500.00} confirmed by XXXX XXXX Branch manager. He then went on to give me a customer service number that totally gave me the run around. On top of all that they charged XXXX  XXXX dollars on ATM charges from a store ( XXXX ) that does not charge me it's free Truist has no right to charge {$3.00} a pop. They never told be about this. I want to talk to someone who will not lie or blow me off. The people at Truist are obnoxious and being a banker for 35 years I am very offended by their attitude it's unbecoming a bank employee. They still have not been able to supply me a permanent ATM card I have requested 4 times now. They should be held accountable for their arrogant behavior
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently called Bank of America regarding 2 charges I did not authorize to a company called XXXX XXXX and was told this is a company XXXX uses and is charging ME when I pay a XXXX XXXX. I did NOT authorize these deductions and believe this to be illegall. Bank of America has told me they can not help me or do anything about this. And yet a third party company that a payee ( XXXX ) has hired is allowed to withdraw money from my bank account without my authorization.. I am not a customer of XXXX. this is wrong and illegal. Please help me with this.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (NY)

A credit line of {$300.00}, XXXX credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company Debt Recovery Solutions , LLC sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching XXXX as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both XXXX XXXX XXXX and Debt Recovery Solutions , LLC .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.
Consumer complaint received 2018-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I am being charged factitious interest that do not correspond to what it's supposed to be. I reached out to them multiple times to try to solve the issue, but they don't seem to be willing to provide any satisfactory issue to this matter. I am therefore requesting and in-depth review of all payments and interest charges that have been imposed to my account. I hope this would help not only with my case, but as well as other folks in the same situation. 
Thank you very much.
Consumer complaint received 2023-04-17
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. (MD)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (GA)

On XXXX XXXX, XXXX, {$1400.00} was fraudulently taken from my checking account by way of my debit card information. I reported the fraudulent charge to Ally Bank on XX/XX/XXXX. I was told that two charges were attempted between the XXXX - XXXX of XXXX with the 2nd being successful. I received no notification to alert me of this money moving out of my account. 

I have received zero written correspondence from Ally Bank. Though, I was told thered be a resolution within 10 business days. Just this morning ( XX/XX/XXXX ), I was told by phone ( as we were calling often to find updates ), that Ally was not providing a provisional credit and had reached a preliminary decision to NOT refund our money. 

The charge is suspiciously identified as a XXXX charge, but we have identified this charge is in no way related to our XXXX account ( as there are payments listed on our Ally account as such and these are very different ; also, this is an absurd amount to be sent by way of XXXX ). XXXX is also connected to our checking account. Ally Bank told us that the fraudulent charge occurred by way of my debit card information. We are desperate to get our money back and the reasonable amount of time for this to be resolved has since passed. On XX/XX/XXXX, we had already reported the charge, canceled my card and unfortunately, have been unable to recoup any of the {$1400.00} that was stolen.
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 — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

im not liable for this debt with XXXX XXXX I do not have a contract with PORTFOLIO RECOV ASSOC numerous letter was sent out requesting the original contract and all I received was a bill
Consumer complaint received 2024-05-25
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: CITIBANK, N.A. (OR)

I have a hard inquiry on my credit from XX/XX/year> from Citi Credit Cards. I have fraud alert on my credit and they never called me to confirm it was me filling out the application. I had to call 5 different numbers, and they are trying to tell me there are no applications in my name, even though their automated system recognizes my SSN and I've NEVER had a Citi card or submitted a citi application.

I want them to remove the hard inquiry on my credit as it's significantly impacting my score and they will not talk to me.
Consumer complaint received 2022-01-26
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
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 — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan Motor acceptance is reporting incorrect information on my XXXX credit report for XX/XX/2023. I have contacted the on multiple occasions for them to correct the issue. I have not been successful. 

Account : XXXX VIN : XXXX