davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I noticed multiple problems with the following collection accounts, and hard inquiries. I was a victim of identity theft. I did not authorize the opening of any of these accounts. I received several alerts to my email from a credit-monitoring site that I had a trial service with years ago but paid no attention. I recently pulled my report and was in awe of the amount of errors and fraudulent accounts. I did some research and received some legal advice. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-18
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: EQUIFAX, INC. (KS)

From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CARD Corporation (GA)

I stopped at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/2019 at XXXX and used my prepaid visa from card.com and pumped {$13.00} in gas. My card was charged {$76.00}. Which was all but {$5.00} from what was on my card. My lights get cut off at XXXX that in 45 min because of this and will cost {$350.00} to have cut back on. Money I do not have due to trying to get on my feet from an abusive marriage I'm finally out of. I called card.com while still at the store. The store said it was the card company and the card company said its the store. I explained to them my situation and they acted as if they did not care for the store and card.com nowhere under the agreement that I agreed to with card.com did it say anything whatsoever about them holding {$76.00} when I would use my card at a pump and nowhere on the pump or at that store did it say anything I requested to speak with a supervisor they told me someone would call me back I waited and waited called again same thing only this time they said I had already had a request tomoney.k with a supervisor they would not try to get another one put in my money would be back in three days waited again still no call so I called again this time they said it would take 7 days all I want is my money back because now it's costing me {$350.00} that I'm now think they should be responsible for they would not help me. They did not try the added like they just did not care and know where did it say anything about holding that much money. I emailed a copy of the receipt showing I only spent {$13.00} yet they said that would not work it wasn't good enough. The only reason I signed up for the card was because my friend asked me to because once you do it and get so much money on there you both get {$30.00} neither of us have received it but they said that I have done everything that they required in order to get it get neither of us have gotten which that was the only reason I even signed up for the card. If it wasn't for that I never would have got it. I believe we were scammed just so we would get it.
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Telerecovery Corporation (AL)

XXXXXXXX XXXX sold my childrens medical information to a creditor. This creditor has called and mailed me several letters threatening to damage my credit and garnish pay. 
I never signed a HIPPA release for any of my childrens information to be released from the XXXX office. 
I have also tried contacting the XXXX office to see if the insurance could be re ran.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NM)

The creditor is Citibank NA who closed my credit card accounts without giving any explanation except that my account is restricted. I called them more than 5 times to get the reason and they kept saying that I didn't update my information and they couldn't keep my account open. This is not correct because I stayed on the phone for 3 hours transferred from one department to another trying to figure out what happened, and no response was provided. the phone calls were between XX/XX/XXXX, and XX/XX/XXXX. I also tried to open a business account with the same creditor, and they denied it for the same " restriction " reason that no one was able to explain to me- '' the credit privileges on your existing account ( s ) are currently restricted ''. So now I have a closed account after being with the same creditor since XXXX, with exceptional history, and denied a new account based on bogus reasons. 
I look forward to your action. 
thank you.
Consumer complaint received 2019-02-04
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: Experian Information Solutions Inc. (MN)

In XX/XX/2018 I tried to obtain my annual free credit report from the Experian website. To get my report, I was forced to pay {$1.00} and enter my credit card number. Recently, while preparing for 2018 taxes, I noticed that my XXXX card was being charged {$21.00} for an Experian Credit Report each month since XXXX. I tried to call the Experian number listed on my statement and could not get thru to an agent to discuss this issue. I then contacted XXXX to dispute the charges. They contacted Experian who told XXXX that I was being charged because I had checked a box which initially charged {$1.00}, but then resulted in an ongoing monthly membership fee of {$21.00} if not cancelled in 30 days. This is a completely deceptive business practice. 
I tried calling four different Experian Customer Service numbers ( XXXX, XXXX, XXXX and XXXX ) but could not get thru to an agent or cancel the service with any of them this is also a very unethical practice. 
Finally I dialed a number and selected an option to report Minor Credit Reporting fraud, and got through to an agent ( XXXX from the XXXX XXXX ) who was ultimately able to cancel the monthly charge, but refused to refund the {$130.00} that I have spent on this SCAM.
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (VA)

This loan with express check advance was brought out by advance america or XXXX XXXX I paid this payday loan off in XXXX. I spoke with the state system XXXX they advised me this is still showing unpaid. I advised the three companies I can provide a paid in full letter I received. They still have not updated information in the state system.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (AZ)

U.S. BANK STILL CONSTANTLY SHOWING DISHONEST STATEMENT TO US AND OUR ACCOUNT TRANSACTIION. DATE PRINTED OUT STATEMENT XX/XX/2019 BY XXXX. DEEMED TO BE HOLD ON TRANSACTIONS FOR MONTHS JUST TO DEDUCTED MONEY ILLICITLY SOMEHOW FROM OUR ACCOUNT PERHAPS. 
CHARGING FOR ATM PRINT-OUT IS RIDICULOUS & RIDICULE, WE WERE TOLD, THAT NO CHARGED OF ANY KIND WITH OUR ACCOUNT. BUT, TODAY XX/XX/2019 CHARGED A {$1.00} DOLLAR FOR A PRINT OUT AT U.S. BANK INSIDE XXXX XXXX. SOME OF THE WORKERS INSIDE STORE U.S. BANK DEEM TO BE CROOKED EMPLOYEES. MAJOR CONCERNS.
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: New Mexico Educational Assistance Foundation (NM)

My student loans were defaulted even though I was enrolled at school. They started the timer on my payments when I should have been under the protection of In School Deferred payment status. From the day you leave school you have 6 months before you start making payments. As you can see by my transcripts I was enrolled in school and the timer for payments was started while in school which lead to a default that was inaccurate. 

I was notified of default and spoke to NMEAF to advise I was enrolled during those periods that they have me as delinquent. Had my information been accurate I would not have been in default. Even with giving NMEAF this information they chose to leave my loans in default status. This benefits NMEAF as they receive payment from the government. 

The affects of this Default are far reaching, 1. I have had to pay a higher interest rate being that I had to consolidate my loans. This has raised my overall payment and is costing more money.

2. I am disqualified from Public Service Loan Forgiveness with a default. I am a XXXX XXXX and was planning on working for PSLF. 
3. It has ruined my credit report due to the default and the inaccuracies that NMEAF choses to report. 

First delinquency is showing XX/XX/XXXX with default taking place in XX/XX/XXXX. I spoke to NMEAF about my enrollment status that same month XX/XX/XXXX, I consolidated my student loans that same month.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NC)

In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXX, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX XXXX. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (NC)

When I initially agreed to the loan, my understanding was that the monthly payment would be a lesser amount. However, when they emailed me the amount due each month, it doubled. Also, the total amount due on the loan equals out to be approximately four times the amount that I would owe. I borrowed {$600.00} and now I owe over {$2000.00}. I called to try to get the payment divided up to a lesser amount, but they advised me that I should stay with the contracted amount originally submitted to me. I am on Social Security XXXX, and at the present time, I am struggling financially to get this debt under control. Basically it has become a hardship for my house hold. Instead of a {$600.00} asset, it has become a burden. I have since been diagnosed with Multiple XXXX XXXX ( XXXX XXXX XXXX ). The cost of the medication that has been prescribed for me is somewhat expensive, but I need to take it.
Consumer complaint received 2019-02-04
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: Experian Information Solutions Inc. (TX)

I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

After receiving a debit card for my personal checking account at BMO Harris bank, I proceded to call the activation number that was provided. Upon calling the number, I was transfered to a, I agent who said that in order to activate my debit card, I was to fax or send a notorized copy of my driver 's license, front and back, include the notory address, phone number and license and include a contact phone number for myself. I told her that usually I activate my cards by just dialing the actvation number and entering my card number. She said that this was the only way I could activate my card. I asked for a supervisor and I was referred to a XXXX XXXX who told me that after submitting all this info I would be sent a text to my contact number where I would be given a code that I would confirm and then she would call me back with a decision at some time. I told her this was rediculous and that I would fax the information to her. After faxing a notorized copy of my driver 's license with the other info she requested I waited for her text. After two hours of faxing the info with no response, I recalled the activation center. They told me that she was not available. When I called a third time I was told she was busy. Finally, after a third time calling the said she went home. This was about XXXX XXXX pacific time. The next day I called again and was told they had not received the fax yet. I have a copy of the transmission and it said fax was successful. On Sunday, XX/XX/19 I called 3 times to activate my card and was abruptly disconnected by them after entering my card number. Because I needed to use funds in my account to pay my bills, I decided to drive from my home in XXXX XXXX county to XXXX, Arizona the neareast location to me. That drive took approximately 10 hours round trip {$100.00} of gas. I also missed a day of work.
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018, 60 days late in XX/XX/2018, and 90 days late in XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I found my loans were placed in in-school deferment in XXXX of XXXX. I called 5 times to discuss how to get them out of deferment and was given a different answer by XXXX different agents. ( this was more in depth in my first complaint that I filed, that only seemed to be dealt with after I filed a complaint ). I finally got someone who sent me the in school deferment waiver form ( which is not available on the website, it must be sent by Mohela ) and filled this out and uploaded it on XXXX. I was advised by Mohela representatives to continuing making monthly payments as though it would take some time to review and approve the form, it would be honored as out of deferment on XXXX. Each time I talk with an agent I request a document to be sent via email regarding out discussion and what recommendations/information they give and I am told that is not possible. Following that advice, I made a payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It shows that I have ineligible payments for XX/XX/XXXX and XX/XX/XXXX for PSLF with the reason for XXXX being " Deferment '' and XXXX being " No bill was issued for this month ''. I have called Mohela twice now about this issue as I believe these should count as eligible payments as I submitted my request to be out of deferment in early XXXX  and made payments for these months. In fact, I was told i would default on my loans if I did not make these payments. They have said there is nothing they can do.
Consumer complaint received 2023-08-20
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. (GA)

I am disputing XXXX XXXX  loans on my credit report by XXXX I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP (OH)

I had gotten my deposit from PA XXXX and US Bank had the wrong account on file and set my card to I called back to have it changed when {$10000.00} was deposited into my account they informed me that I had to wait 5 business days for a address change to go through and I could have a card expedited I waited the five days and then upon calling them again they informed me that I have to wait another five days before they would expedite me a card so I chose standard shipping on it and now the card has been waiting for 4 days to be mailed in has not been mailed yet I feel that I am being discriminated against and I am going through a lot of personal grief and heartache to have to pay bills in my rent and facing eviction in my water being cut off because they can not get me my money or will not get me my money
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.