davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
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. (OH)

on XX/XX/2021 XXXX XXXX XXXX reported an unauthorized inquiry to XXXX and equifax. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies and XXXX XXXX XXXX on XX/XX/2021. no response.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NE)

At the advice of my CPA, I decided to apply for an American Express business card. On or about XX/XX/2018, I provided American Express an inordinate amount of personal/non-public information about me and my business. After 45 minutes the young lady told me that I would recieve a card in seven days.

The card never arrived and when I called Amex to find out what happened, they informed me that they no record of the appllication. They stated that they would create a case and call me within 48 hours. This never occurred. I called them a week later and they had no record of " the case '' that they assigned to me. 

I am concerned that I provided them with a large amount of private/non-public information about myself and my business and they can not tell me where it went.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I was instructed by the XXXX XXXX XXXX to go into my local bank to set up a draft in order to pay my vehicle loan because the current system was not working efficiently. 
I set it up online and thought it was in order, only to find my bank needed me to go in to sign an authorization. At the time I was unable to due to COVID-19, and my payment did not get transferred in a timely manner. I informed consumer credit of the situation and asked for relief under the CARES act. They never informed me that my payment had not arrived and that they were not going to p [ provide me relief under the CARES act. They are reporting my payment as late. I have never had a late payment on my credit anywhere and all payments have gone through as planned ever since getting my draft. 

I am seeking relief under the CARES act for incorrect reporting of payments.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  is reporting incorrect information to my credit report that is adverse. I tried contacting  XXXX  without success. I filed a complaint to the BBB and  XXXX  refuses to remove the information reporting to my credit report. They according to different departments said when I moved they canceled my service and charged an early termination fee that got paid and should not of. When we moved our services with  XXXX  the fiber optic line was damaged d own the road an d they had to splice the line. Since we have had terrible service and resided to cancel service due to lack of a clear picture on tv.  <P/> In our last place the picture was clear and believe the problem was in the repair. We had to spend the entire day waiting for  XXXX  to fix the problem. We could not leave or the tech would not complete the install.  XXXX  has there billing all incorrect and spending time on the phone for hours we figured it out. Each department will not communicate with each other to help resolve this. So in the mean time I am stuck with adverse information that is not correct and should not be on my credit report. I am stuck getting higher rates on loans because of  XXXX  mistake.  <P/> There address provided is  XXXX   XXXX   XXXX  NY  XXXX
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received and notice to my email to apply for a credit card. Being I already have two cards with capital one I decided to apply. After applying I received a notification to upload verification. I uploaded a driver 's license and paystub. A few days later I started to follow up on my application. On XX/XX/XXXX I called and got absolutely no where with the representative and requested a US rep. Got a US representative who kept discussing my current cards and asked me if I could give her the last four digits to a card I don't even have ( XXXX ). I spent XXXX  mins on the phone with no answers or resolutions. On XX/XX/XXXX I called and got XXXX in the fraud department who was not just incompetent but rude. Extremely. When I asked to speak to a manager she said " I'm a manager and I'm as high as you can go sorry '' when I said I would like to put in a complaint regarding how rude she was she said she will note her on complaint!!! And .... Said she will not let me speak to anyone else! This is ridiculous! I understand doing verifications to prevent fraud, but I have two cards always! What a joke and a waste of time. This company has to be the worst! Disrespectful, arrogant, and incompetent. I will be issuing a XXXX  complaint as well. 

Such fraud. Sends me a pre-approval and say I'm not who I say I am!. 


Application # XXXX
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

I cancelled my account with XXXX XXXX in the spring of 2017 over the phone, I did not record the call. I have not received any correspondence from them since until this week, when a new bill arrived with XXXX in new charges. 

I called and was told this was a renewal fee, and they refused to remove the charge from my account. I have told them I refuse to pay, and they have refused to remove the charge.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (IL)

In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XX/XX/2023 Address : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX : XXXX
Consumer complaint received 2022-10-18
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. (MA)

XXXX XXXX Bank has account nr XXXX with a XXXX of {$690.00}, a fraudulent acct, which I did not open. The acct was opened XX/XX/XXXX the due date is XX/XX/XXXX. They have stopped the card and told me to go to FTC. gov and to file a police report, also send them information they requested from me by mail and I have done so. I want this removed from my consumer reports. Need to get copies of my reports to find out if further fraudulent actions have been taken. The bureaus are listing several things I have not done, a mortgage, a car loan, and Saturns loans which I will write about to you when I get more precise information from them.
Consumer complaint received 2021-11-07
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. (VA)

I sent a request to EXPERIAN, XXXX on XX/XX/2021 for Validation of the following collections account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and received a response with no proof that the debt which is a clear violation and against the law. They are reporting inaccurate information. Delete following account immediately for violating my FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) :
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (PA)

I opened a checking account on KeyBank due to a promotion that, if met, a XXXX-dollar bonus would be deposited into my account. I opened in person through a branch. Months later, after fulfilling the required direct deposit, my bonus still hasn't gone through. I called customer service to ask what had happened. They told me that there was NO promotion applied to my checking account. The banker who opened my account even confirmed that the promotion code was applied to my account when I opened it. I called the branch, and the banker who opened my account is not working there anymore. All of the e-mail correspondence between me and the banker who opened my account is still with me, including the part where he asked me to give him the promo code so he could apply it to my checking account.
Consumer complaint received 2019-09-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I opened a loan with XXXX XXXX in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.
Consumer complaint received 2021-11-07
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. (OH)

on XX/XX/2021 XXXX XXXX reported an unauthorized inquiry to experian and XXXX. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies on XX/XX/2021. no response.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

HI, PAYPAL YOU TOLD ME MY MONEY WILL ABLE FOR WITHDRAW ON XX/XX/XXXX OR BEFORE. 

I NEED PLEASE HELP ME TO ENABLE THE OPTION FOR ADD MY NEW BANK ACCOUNT FOR WIHDRAW FUNDS. 
WE ALREDY HAS A COMPLAINT BEFORE PAYPAL XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau Complaint No : XXXX
Consumer complaint received 2021-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (FL)

Hello this is the most ridiculous problem I had with any company. One person said from Chrysler Capital I can't make a settlement offer. The next time I called they said we only do it for bankruptcy I stated I was in bankruptcy so misleading. The third time she told me we do settlement offers and transferred me to another department and I talk to a gentlemen he stated we never do settlement offers ever. So, misleading and they sold my loan to a collection agency. This could have been avoided if 4 employees did not say different quotes.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC (TN)

I am a small business owner who was affected by the pandemic just like millions of other hard-working individuals and I was awarded two disaster relief loans. XXXX XXXX XXXX, without consulting me, closed my account and debited my account nearly over {$15000.00} as if I were in receipt of the funds fraudulently causing me not to be able to open accounts at any larger, national bank and Early Warning Services as well as XXXX XXXX won't allow me to dispute what they have done to remove the erroneous charge-off. I owe nothing to XXXX XXXX XXXX. In fact, I have been a loyal customer for nearly 20 years, and they treated me like a common criminal within the past year when all they had to do was ask for my loan documentation to verify the loan proceeds that I received for my business.
Consumer complaint received 2022-11-19
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2022-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

Went into XXXX XXXX bankruptcy in XXXXXXXX XXXX XXXX, before Bankruptcy was on a rate reduction plan. During Bankruptcy could not get any information from Navent about what to do with loans, was not given a statement or bill for 5 years. During the bankruptcy around {$70000.00} was added to my loans. Interest was put at 12.5 % even though we we enjoying the lowest interest rates in my lifetime. I was miss led by Sallie Mae into thinking that I would be about to consolidate and refinance loans once my son finish college. I tried three years during the end of his time in college, and after was able able to get refinanced into my name only. Was contacted over and over by private student loan lenders, saying how much I could borrow and the start payments after my sons graduation. They loaned me money even thought I was already struggling to pay the bills. they now want me to make payments of {$1900.00} dollars a month. Theres no way I can make payments. I have called 4 times now trying to get them to help in some way. Have been told each time that there is not a payment plan that will help and call back later. The last time was told to wait a month before calling back. I am not a free loader I taught XXXX XXXX for XXXX years and now at XXXX my only option to pay this loans is to die and have my wife use my life insurance.
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

Hello, I was a victim of identity theft in the past. This creditor never sent in any mail stating that this debt was owed. Never received written notice about this debt before it was reported on my credit report. I contacted them 40 days ago and have yet to receive proper validation and documents stating this account is mine. This has surpassed the legal time limit please remove this from my credit report. There is no verification of this alleged debt that is not mine. The dates reporting across all credit bureaus are different this is inaccurate. Also this account listed gave false/misleading information then decided to close the account. There is a positive balance of {$6100.00} which is false representation of the amount. This goes against 15 USC Section 1692e ( a ) I also never granted this organization. The account is XXXX XXXX  # XXXX. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I received a alert on my XXXX Credit Report from XXXX XXXX XXXX. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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 XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ XXXX5U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Adjusters, LLC (OH)

This company has been harassing me with threatening and demanding phone calls and Ive asked them to stop and they continue with the harassment. 
NATIONAL CREDIT ADJU Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX XXXX XXXXXXXX