davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Prince Parker & Associates (VA)

This company called me repeatedly about a debt I do not owe them. It was a business account and I told them I was not the owner. The person who set up the account made it a business account. The company keeps calling me cursing at me telling me I owe them money.
Consumer complaint received 2022-03-12
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX, have both 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 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I went to Equifax 's website to un-freeze my previous freeze on my credit. After troubleshooting several log-in pages that were no longer accessible ( error pages came up in several parts of the website ), and multiple website errors claiming more information needed to be completed in the account information form- even though all required boxes were filled in, I was able to set up an account. As part of the verification process I was asked ( 4 ) security verification questions about my credit. ( 2 ) security questions claimed that my credit report " may '' include a car loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. ( 2 ) security questions claimed that my credit report " may '' include a loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. I was then informed that I had answered incorrectly and that to access my account I would need to fax or mail personal ID documents, write coverletters, etc. I have verified through other credit reporting agencies that none of these loans are on my report. I can not get access to my Equifax credit report because they deny access to my account until I send them the information. I am telling you right now, that as soon as I get my report these false loans from XXXX and XXXX will not be on the report. I believe that the security questions they generate are deliberately inaccurate in order to kick-off these lengthy " verification '' processes that just give them more access to our personal data that they can then subsequently lose to hackers and data breaches. Now they will have photocopies of my personal documents on file for hackers to steal too. On the same date XX/XX/XXXX I was able to unfreeze my accounts at XXXX and XXXX without any issues in about 5 minutes. Now my mortgage loan will be delayed because I have to go through Equifax 's paper wild goose chase that they started in the first place with these security questions they generate that have inaccurate information. This is not the first time this security question issue with inaccurate answers issue has come up with them. As soon as I am able to get a report to prove this deliberate ineptitude I want to hold them accountable.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

Monday XX/XX/2018 @ XXXX I received a notification that my credit card was used at XXXX for {$240.00} on my Chase credit card. I called XXXX to find out what it was as I didn't not have an XXXX account nor has my card ever been used on XXXX ; they said it was 2 books ordered on an account open with my name and address. They said they were closing the account as was fraudulent and start an investigation. I then called Chase credit card and they canceled my card and removed the fraudulent charge of {$240.00}. 
XX/XX/2018 another {$240.00} from XXXX posted to my reissued card. They started a " new investigation '' and denied the dispute. These are not my charges, this is fraud. Someone stole from me and I have to pay for it? This isn't right. 
Please help me.
Consumer complaint received 2018-10-26
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. (OH)

Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this information is inaccurate
Consumer complaint received 2018-10-26
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)

Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this information is inaccurate
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I bought a XXXX ticket on XX/XX/2020 for {$110.00} reference : XXXX On XX/XX/XXXX, the ticket XXXX was canceled due to COVID-19 and XXXX XXXX was provided. 

I used the XXXX XXXX  to buy a second ticket XXXX which was also canceled on XXXX DUE to XXXX as well. 

Few points : 1. Since XXXX Canceled the tickets, why can't I get my money back?? 
2. Between XXXX and XXXX, XXXX had NO FLIGHTS for me to use the credit which expired on XXXX. 
3. Amex always support big corporations in disputes.. very sad!
Consumer complaint received 2018-10-26
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. (IL)

I have contacted all three major credit bureaus regarding the reporting of my paid in full/as agreed never late with XXXX ; XXXX has sent in request to remove late payments however the credit bureaus refuse to remove late payment reporting.
Consumer complaint received 2018-10-26
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. (NC)

I am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the account XXXX XXXX XXXX  XXXX , I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I Contacted ERC ( Enhanced Recovery Company ) Asked for a debt validation request some me i own the debt. All I received was a screenshot of a bill I know nothing about. I asked them to provided me something in written saying I own or signed up for this debt and they could prove nothing. This debt need to be removed from my credit ERC nor XXXX  could provide me with anything In written with signature Stating I Own or agreed to this debt.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON XXXX XXXX I PULLED MY CREDIT REPORT AND NOTICED UNAUTHORIZED INQUIRIES. I CALLED TRANSUNION SEVERAL TIMES TO HAVE THESE INQUIRIES REMOVED AND THEY REFUSED TO HELP ME. I HAD NO PROBLEM WITH XXXX AND XXXX INVESTIGATING THESE INQUIRIES, CREDITOR : DATE INQUIRIE WAS MADE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX TRANSUNION WOULD NOT HELP CORRECT MY FILE BY DELETING THE UNAUTHORIZED INQUIRIES REPORTING TO MY CREDIT REPORT. THANKS IN ADVANCE
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The bank Capital One I used have credit card with and closed was fraudulent re-opened after my knowledge back in 2015. Just this last 2 months my credit score dropped drastically by 80 points. When I pulled my XXXX  it said I had card opened with Capital One with limit of XXXX and balance for membership fee. When I contacted Capital One and spoke with the Fraud department. I let them know of this account not being opened by me and they escalated the claim. I filed a formal complaint with there fraud department. They assured they would resolve it and when asked on why this happenned they had no valid reason. They have charged me memberships fees without my knowledge and after explicit closing this account they kept it open. This has effected my credit score by 70+ points and Capital One has been very unhelpful and fails to take accountability. They have reported
Consumer complaint received 2022-07-11
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. (SC)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-06-23
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. (IN)

I submitted a request to the Department of Education for the forgiveness program and was told I did n't qualify for it because of the type of loan I had. I graduated in XXXX and the only type of loan that was available was the FFEL. It is n't my fault that they type of loan that is being forgiven does n't include the type that I have. I was n't allowed to change and would n't get any credit for the payments I have made. I still have over {$30000.00} outstanding and having been working at a nonprofit since XXXX. This needs to change. I was misled or would have attempted to refinance long ago so that I would have the 120 payments credited towards my forgiveness. I need help in getting this rectified
Consumer complaint received 2019-05-09
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. (WI)

I sent in multiple written request for information regarding an account listed on my credit report for XXXX XXXX. I asked Trans Union credit agency on multiple occasions via letters to provide me the information XXXX XXXX company gave them to validate the account is mine stating I owe {$1900.00}. As of today XX/XX/2019, I have not received that information.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I had disputed an account ending XXXX with XXXX XXXX XXXX and sent via certified mail on XX/XX/18 to experian where they signed and acknowledged the certified mail on XX/XX/18. I called experian to address and ask why is my credit still reporting inaccurately ... Customer rep was rude, and acknowledged that he did indeed receive my documentation. This has been reporting on my credit inaccurate and has affected my well being and denial for credit. I followed protocol and provided validation from creditor of what needed to be updated on my credit report. The customer rep acknowledged that they received my documentation but did not want to make the needed adjustment per my FCRA right which has been violated. Rep also stated that he didn't care if i contacted CFPB as it wont make a difference. At this point this is affecting my way of life as credit is everything and to have a rep tell me he didn't care was complete disrespect to me and violated my FCRA rights. I placed my call to Experian at XX/XX/18 XXXX EST. Credit is everything and when you entrust in the system to do right make sure they take their job serious and especially when documentation is supported per their validation process its disheartening and reason why people lose faith in the credit reporting agencies. So many of us have inaccurate items on credit that goes unnoticed and without a care in the world to make it right.
Consumer complaint received 2023-03-20
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-12
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. (FL)

I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my 3 credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact TransUnion notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. TransUnion has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.
Consumer complaint received 2022-03-12
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. (DE)

On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 39 days and I haven't received any responses from them.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In  XXXX , I had filed a claim in the amount of {$200.00} and was issued a temporary credit of {$200.00}. The claim was recently denied and the {$200.00} was taken back out of my account on XX/XX/XXXX  which caused my account to go negative. I deposited cash into my account to make it a positive balance. Yesterday,  XX/XX/XXXX , the bank withdrew fees of {$100.00} which again made the account go negative and cause another NSF fee of {$35.00} to be withdrawn in addition to the {$100.00}. I had filed a CFPB complaint on  XX/XX/XXXX  in regards to the bank not properly disclosing a change in process regarding fees. The complaint number was  XXXX . These {$100.00} fees from  XXXX  were in relation to that same scenario which previously got corrected by the bank in  XXXX . I contacted the bank this morning and spoke with someone in claims who said they were n't the right department so they transferred me to collections, who of course was n't correct. I called on my lunch and spoke with the general customer service who said they would have to transfer me back to claims. Again, they said they could n't help me. I am asking that these fees be refunded back to me in order to put my account back into the positive status that it was prior to them being taken out. I have been a customer of this bank for 20 years and the level of customer service is horrible now compared to what it used to be. I even recently had fraud on my debit card which I know is increasing from every bank, but the customer service I received at the branch when trying to obtain a temporary bank card ( which I never got ), was ridiculous. They told me they were too busy and that I 'd need to make an appointment, but that if I could just wait a few days my card would come. I 've seriously considered small town banking again.
Consumer complaint received 2017-06-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MAS FINANCIAL SERVICES, INC. (CA)

This company calls at least 3 times a day, once at XXXX ( almost XXXX! ) to collect a payment and when we try to call them at the number they provided in the voicemails, they do not answer. We do n't know how else to tell them to stop sending so many calls a day and how to tell them when their payment will be received.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

My chase amazon card was declined for a catering order I had placed for my brothers funeral in the amount of {$710.00}. I contacted chase around noon today XX/XX/2019 and was asked the last 4 numbers of my chase savings account and the other user on my account. I responded that I did not have a savings and I am only authorized user. Customer rep told me they would call me back in 10 minutes to keep the line open. I didnt receive a call back after an hour so I contacted chase. From the first call I thought someone was using my card fraudulently. I spoke to the rep who transferred me to a supervisor XXXX who said the card was activated and the transaction would process. Called the catering company and card was declined. I then used my XXXX  XXXX card to pay for the order. XXXX XXXX texted me asking if I was authorizing purchase and I responded yes. Contacted caterer and XXXX  XXXX was declined. I contacted chase again spoke to rep was told the initial questions are used to trick people to see what there answer would be. She told me the CVV code was incorrectly being input by the caterer and I responded that I had gone over the numbers and CVV used was correct. She told me the card was cleared for the purchase and she would monitor it for 24 hours. Called caterer - card declined. Use a MasterCard  which processed. Went to use chase amazon at restaurant at XXXX pm tonight in the amount of {$63.00} - it was declined. I was told by chase I was not over limit. Still frustrated figuring out multiple declines after several conversations with chase stating the card would be ok to use. Embarrassed as the caterer kept suggesting I was over my limit which I pay my card in full every month and chase confirmed that I was under my limit with the {$710.00} transaction. Never been declined by either chase or XXXX  XXXX before - today after multiple assurances that I was all set and card would be monitored to make sure transaction would clear - it never did