davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (TX)

I heard that One Main financial added services and did other things on personal loans. I have had this loan for a while and I am not sure if this happened on my loan or not but I was told to submit my information to have it reviewed.
Consumer complaint received 2022-05-19
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. (MS)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX CO ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX XXXX ; Account # XXXX, XXXX XXXX BANK XXXX XXXX Account # XXXX, DEPT of ED/XXXX  ; Account # XXXX, XXXX XXXX ; Account 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 2022-04-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  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 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.
Consumer complaint received 2022-09-01
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. (IL)

Transunion has inquiries on my credit report that are inaccurate. I requested a accurate credit report over 30 days ago and still haven't received anything. The following inquiries are inaccurate : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

An fraud inquiry was reported on my XXXX report from Capital one. The inquiry occurred on XX/XX/2024 and I was made notified by both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX of the inquiry.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

This is concerning my JP Morgan Chase Amazon Prime Visa ending in XXXX, but as a result of fraud changed to XXXX. I had over {$1200.00} in Fraudulent Transactions made on my Amazon Visa Card. That was resolved quickly by the Fraud Department. However, there were also a number of returned payments that were not made by me, thus making them Fraudulent. Although I included them in the fraud claim with the other transactions, the Fraud Department Investigator said there was nothing they could about the return payments. Again, these payments were NOT made by me. I have tried repeatedly to speak with JPMCB about his matter, yet no one seems to know who I need to talk to or what department I need to be handed off to. I have literally spent hours on the phone with them within the past 2 weeks. Most of the customer service reps are rude and refuse to help me resolve the matter even when I ask to be transferred to a supervisor or escalation department. In fact, I've had them hang up on me twice when I have asked to speak to a supervisor. Thers is NO WAY I am XXXX months behind on my payment. Especially, since I had what amounted to a XXXX deferment from XXXX to XXXX. Furthermore, the seem to want to know about finding how or why all of these Fraudulent, returned payments came about in the first place.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  now.with no help.
Consumer complaint received 2022-05-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXXXXXX says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.
Consumer complaint received 2022-05-19
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

on XX/XX/2022 I received a charge of {$75.00} on my debit card On this date I was working at XXXX XXXX XXXX in XXXXXXXX XXXX  the charge was from XXXX XXXX in XXXXXXXX XXXX. 

Boa has denied my claim twice and stated it was a chip on chip transaction. 

I provided Boa a signed letter and emails from my company that I was at work that day and not travel to XXXX to get my nails done Boa did NOT contact the merchant and they were unable to give me a time or a signed receipt from the merchant. Did the store have cameras. etc this is {$75.00} but what if were {$1500.00}.? 

i have called the last 2 days and they will not even accept my calls
Consumer complaint received 2022-05-19
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: Open Dealer Exchange, LLC (AL)

In accordance with the fair credit reporting act XXXX  account *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX dba 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 15USC 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 a account withouth 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 purpose.
Consumer complaint received 2022-05-19
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: ALLY FINANCIAL INC. (AL)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX  XXXX XXXXAlly Financial x2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 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 a account withouth 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 purpose.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My student loan servicer, XXXX, is reporting my student loan as multiple accounts. So instead of one student loan account, my credit report shows 12 different accounts for different amounts. Before the pandemic, I was struggling financially and missed three payments on my student loans. However, since it shows as multiple accounts, my credit report shows 36 missed payments as opposed to 3. I need my credit report to more accurately reflect this because this is preventing me from qualifying for loans and better credit cards.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I received an offer for Delta SkyMiles Amex Gold Card ( XXXX XXXX ) with {$99.00} annual fee waived for the first year. Called twice to confirm fee will be waived ( on XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX ) but received first bill with a prorated fee! I called a third time to complain ( on XX/XX/XXXX # XXXX ) and was told the " back office '' determined fee would not be waived in spite of my written offer and my being told twice fee would be waived. Plus, I was not informed the fee was reinstated when Amex made this back office determination. Am waiting to hear Amex resolution.
Consumer complaint received 2022-05-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  XXXX says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.
Consumer complaint received 2022-05-19
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. (NJ)

In accordance with the fair credit Reporting act XXXX 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 2022-11-24
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: EQUIFAX, INC. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

With continued in-school deferments since XX/XX/XXXX, my intended principal balance of about $ XXXX has TRIPLED to $ XXXX with expanded interest due to the conversion of older outstanding interest via interest capitalization. At age XXXX for a life long learner, this has amassed an unexpected $ XXXX total debt. 

Yes, it's XXXX and I am finally finishing a protracted XXXX XXXX. I got my MA during XXXX from the now-closed XXXX University. I started my EdD via the now-closed XXXX University and jumped over to a PhD completion program at XXXX University XXXX I have taken semesters off due to work pressures, but always understood these periods as limited grace periods between school enrollment. 

This is embarrassing and crushing to me. I am exploring PSLF in retirement with a non-profit. I am perfectly happy to take on my ACTUAL principal and associated interest, but not this compounding which is predatory and unfair in my opinion.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION (WV)

On XX/XX/XXXX at XXXXXXXX XXXX, in a six-minute call, I attempted to stop automatic payments to XXXX XXXX XXXX XXXX The agent began to read a lengthy, mostly unintelligible disclosure that there would be an {$8.00} fee for the transaction, that the payments could only be stopped for a maximum of 12 months, and that the payments could not be stopped if the corporate recipient of funds had changed their company name in any way. 

Additionally, On XX/XX/XXXX at XXXX XXXX., I called the credit union to report a fraudulent debit to my account of {$14.00}. In that six-minute call, my debit card was cancelled, and a new one was issued. 
At XXXXXXXX XXXX. on the same day, in a four-minute call, I reported that I had been in error and that the {$14.00} charge was legitimate. The representative placed the call on hold for an extended time to get ahold of him. She then said that the investigation into the charge was cancelled but that the issuance of a new debit card could not be stopped. 
On XX/XX/XXXX at XXXX XXXX., in a two-minute call, I activated my new debit card. 
On XX/XX/XXXX at XXXXXXXX XXXX, in a seven-minute call, I questioned why a provisional credit was posted to my account that day for {$14.00}. After being placed on hold for an extended time to get ahold of him, the representative said the credit would be reversed. Documentation is attached.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (GA)

I am writing to delete the following information in my 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 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-19
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. (GA)

I am writing to delete the following information in my 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 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (FL)

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 I have reached out to equifax numerous times about unauthorized inquiries, ( XXXX XXXX, dates XX/XX/2021 and XX/XX/2021 ) and inaccurate information on my credit report. They either say its verified without or just dont respond at all. They also told me to reach out to the company so I reached out to the company who initiated the inquiry numerous times, to either verify it to me or delete it off my report. And they have done neither!
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I applied for this offer : https : //www.capitalone.com/credit-cards/quicksilver/ I was immediately declined with no explanation. My credit score is over 850. I have a 25+Year Credit History with zero late payments. I have no debt other than a small mortgage ( $ XXXX. ) Immediately after applying, I was offered a {$500.00} credit card from the same bank with different rates and no Bonus offer. I was not interested in that card so I rejected the offer. Nor would I have allowed Capital One to pull my credit report if they had disclosed that their promotional offer would be switched to a different product during the application process. 

I feel that this is bait and switch and that they purposely offer a bonus only to reject the application and offer another product in it's place, just to gain personal information and pull credit. 

I have contacted the company and they state that the reason they declined is confidential and that they can not discuss it with me. This seems very shady to say the least. They have obtained my personal information and pulled my credit score based on a false offer.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account # 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