davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from XXXX OR Transunion in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response
Consumer complaint received 2019-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

Navient does not allow access to a monthly statement via their web portal. I am also unable to receive a 30 day loan payoff from my online account. This is deceptive as they do not want you to have this information as you could pay off their loans quicker of shop for more competitive rates.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
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. (FL)

On XX/XX/2020 XXXX XXXX XXXX placed an inquiry on my report. I responded to a Pre-Approved offer by Experian that stated that my credit report would not be effected. I did not authorize XXXX or Experian to place this inquiry in my report. Although Experian guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting XXXX numerous times by phone but no one answers to my calls.
Consumer complaint received 2023-03-15
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)

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. 

XXXX XXXX : XXXX, DPT EDXXXX : XXXX, XXXX XXXX  : XXXX, DPT EDXXXX : XXXX, DPT EDXXXX : 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 XXXXXXXX, XXXX : XXXX, XXXX, XXXX & XXXX : XXXX, XXXX XXXX : XXXX XXXX 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 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 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. This complaint is against XXXX Bank of America debit card services. On XX/XX/2020 i made a withdraw for XXXX. At this time i noticed my account was XXXX less than it was the previous day. I contacted the number on the back of my XXXX card and had my account suspended, new card issued. The CS agent brought to my attention 2 transactions made at a XXXX XXXX Atms. On XX/XX/XXXX and XX/XX/XXXX. One for XXXX and one for XXXX. I did not make these withdraws. These are fraudulent. I called Monday XX/XX/XXXX and was on the phonr for 12 hours. XXXX to XXXX PST. I spoke with many CS agents and only 2 claims agents. Both claims agents told me they could only issue new cards. They did not handle disputes or fraud claims. I was also given a bogus phone number by an agent saying it was the correct number to call for fraud disputes. At this point, I feel that something strange ia going on in the claims department. Unprofessional. I just want to submit a dispute for my XXXX  that was stolen from me. My question is. How can Bank of America XXXX services get away with this? Refusing to even look at my account withdraws claiming they cant dispute claims in the claim dept?? I also emailed them. And they emailed me back saying they couldnt help me. 
Thank you, XXXX XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

Hello I had unauthorized ATM withdraws from my savings account using a debit card from different locations of Wells Fargo of {$4100.00}. I called the bank to report this locally and to their fraud dept. They said they could not pull the video to see who withdrew this money and I had to call the police. I called the police and reported the crime. The Police supenoa all the banks the money was taken from. The response from all of the bank locations was that they no longer had the video images! Wells Fargo will still not return my funds. This all happened in the state of Maryland
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

At the beginning of XX/XX/2018 Chase closed all of my credit card accounts without prior notice or permission and refused to refund two {$95.00} annual credit card fees that had been charged less than two months prior. Despite meeting all of the spending conditions to earn a welcome bonus of XXXX XXXX on my now-closed British Airways Visa card, Chase refused to release the points to my British Airways account. XXXX points earned on the now-closed Iberia Visa card were also forfeited. I suspect that Chase closed the accounts to avoid paying out the XXXX points, while keeping the combined {$190.00} in annual fees. If a credit card issuer can close a customer 's account for any reason, refuse to refund the annual fee, and forfeit the earned points, how can any consumer be confident that they can actually use the credit product they've paid for? I have been a loyal Chase customer for over four years and have made 100 % of my credit card payments on time and in full. I was very disappointed by the unwillingness of the customer service representative and her manager to come to a fair resolution for this issue.
Consumer complaint received 2015-12-22
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

Every month I start getting calls about one week prior to and one week following payment. They call multiple times per day. When I block the number to use a new number. If I were in very bad standing with my account I would understand but I am not nor have I ever been which makes the consistent, repetitive and harassing calls unjustifiable.
Consumer complaint received 2021-03-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (OH)

The last series of letters I sent to Ford Credit was sent on XX/XX/XXXX, they did not respond until XX/XX/XXXX ( 32 days ). In this inquiry, I had provided proof saying that they have not emailed statements as they have previously indicated they have. I had asked how they were able to confirm the emails were sent, and in their response on XX/XX/XXXX their response " Ford Credit has confirmed the email notifications were still being sent ... '' This is not a valid method of confirmation or proof. That would be the same as me saying " I confirmed that I have paid this account in full ''. When I made my claim that statements have no been sent, and no notifications have been sent I provide proof by showing the gap in the emails as I own my email server and I can provide PROOF of what emails I have received. I would imagine Ford Credit who is a large company would have this technology or better and can provide ACTUAL proof that the emails were sent, besides just stating such a claim. 

Ford is not taking my claim seriously and I no longer have access to any statements as they have locked my account out. Had statements actually been provided and had I actually had access and notifications of these statements and due dates I would never have been in the rears with my payments. Ford had caused my account to become delinquent and is not correcting these issues or owning up to their errors. While the errors may only hurt me, this allows Ford to profit off me by charging me higher interest for a poor credit score now. This is unjust.
Consumer complaint received 2023-03-15
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-15
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (SC)

This company Lockhart, Morris and Montgomery Inc claims that I have a medical debt based in Tennessee opened on XX/XX/XXXX. I have informed this company that this debt is not mine, after it placed this debt on my credit file/record at the credit bureaus. I have not had any communication or business dealing with any company in Tennessee, nor have I lived there, but this company has disregarded my informing it that this is not a debt that belongs to me. This debt is a result of identity theft and this company is promoting fraud. I have informed this company to removed this reported amount of {$780.00} from my credit file/report from the credit bureaus but it would not, nor would they take my complaint seriously. I have been monitoring my credit file/reports daily, and all of a sudden this debt appeared without my knowledge or understanding, as I have never heard of, or been to, a company called XXXX XXXX XXXX Tennessee. Furthermore, this company has called me in regards to collecting this debt, and I have told numerous agents of this company that this debt is mine. On one particular instance, after asking for a supervisor, it appeared as though it was the same agent trying to disguise his voice stating he can have this debt removed if I agree to cooperate by paying a fraction of what is " owed. '' Additionally, this company refuses to tell me what account number is affiliated with this debt, so I can dispute it. This makes me believe even more that this is fraud, and this company is trying to extort money from me by any means without consideration or investigating that this debt does not belong to me. Upon further research, I figured that this same company tried to use this same debt on my credit file/report at the credit bureaus under a different company name in XXXX. After they removed it, the company has placed the debt again in XXXX, in further attempts, to use a fraudulent debt to extort money from me. In XXXX, this company stated that it was a different company I owed for the same {$780.00}, also another company that I had never heard of or had any dealings with.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Credit Corporation (FL)

I applied for credit card with Avant and was approved online. To send my card they wanted a photo of my drivers license, verify my phone number and email. I submitted all the requested information and then was prompted to 'take a selfie '. I was having trouble taking the selfie and called the company to express my frustratihotoon. The representative I spoke to could not help me and ask if I wanted to close the application to which I replied NO I would figure out how to provide the requested information. 

I called back and got a different representative that was able to help me. Together we were able upload the requested information. As soon as I uploaded it I got an email from Avant that says I was declined. This was AFTER they said I was approved. 

I don't mind not getting the credit card but I am furious that they took ALL my personal information and did not give me the card. There was no reason for them to request my verification to make a decision about giving me the card. It is quite apparent that they 'changed ' their mind after receiving my photo ID, verified my phone number and email address AND got a photo of me by a selfie. None of that was needed to make a decision and I would only have sent that because they told me I was approved. What are they doing with personal information from people that do not have an account? This needs to be investigated.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Hi I am currently a working professional who went through a financial hardship while I was in college. During the fall of XXXX I was accumulating credit card debt and was struggling to make some monthly payments. I received 90 day past due email notifications and daily phone calls of my credit card accounts going delinquent from Chase bank of whom I had my credit cards issued from. They suggested that I enroll in a debt repayment/consolidation program through their third party XXXX XXXX to help alleviate the payment burden. I enrolled, and the Chase rep informed me that this will bring your account current as long as I made payments through them. 

From the onset of making the first payment via XXXX XXXX, the late payment notifications stopped both via email and phone calls. I continued to make payments for the next three years ( see attached ) via XXXX XXXX and never missed a payment. A few months ago I ran a credit history report and saw that Chase reported 29 missed payments for the cards that I was enrolled through the program. This shocked me as I was under the impression that I was up to date with paying down my debt. Having these missed payments on my credit report was detrimental to my goal of building back my credit. There was a missed payment that was getting carried over month to month from XX/XX/2017 which was hurting my credit score. I was never notified of this from either Chase or XXXXXXXX XXXX. Per Chase policy " missed payment of 60 days or more Chase will begin physical mail, email, and phone communication notifying consumer of a missed payment. '' I received neither mail, email, or phone notification. In addition to this, the credit report for the missed payments shows 60 days past due for over 2 years which is a glitch/error since a true missed payment would upgrade into 90day-120 day status over that time period. I contacted Chase about this issue and even escalated it to their executive branch. They insisted there was absolutely no fault on their behalf and were not willing to remove the missed payments. I even pointed out that I received no communication from them about my account not being current but my statement was ignored. After the phone call had ended, I magically received an email from Chase for the first time in over 2 years that my credit card payment for that account was past due. This upset me even more but I made the payment to bring the account current. Today I paid off both cards via XXXX XXXX through a lump sum payoff.
Consumer complaint received 2020-11-10
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: DISCOVER BANK (FL)

On XX/XX/2020 Discover Financial Services placed an inquiry on my report. I responded to a Pre-Approved offer by XXXX that stated that my credit report would not be effected. I did not authorize Discover or XXXX to place this inquiry in my report. Although XXXX  guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting Discover numerous times by phone but no one answers to my calls.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

Ic systems sent me into collections. I never recieved a phone call or notice by mail or attempt to collect debt. When I attempted to dispute through XXXX, I was told they have my correct phone number and mailing address on file. If so why did I receive no correspondence. XXXX  went onto to say debt was valid with no proof or documentation sent to me via mail date XX/XX/20 collections started. Ive made multiple attempts since then to get verification of debt for a XXXX XXXX  bill totaling XXXX
Consumer complaint received 2022-07-13
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)

We went to the car dealership I said I want to apply for a car they say they was going to only due XXXX. I was shopping for a mortgage loan the lender said he wasnt going to pull my credit until I was ready now I have 14 hard enquired. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

Synchrony bank is taking advantage of the size of their company saying they cant find things i was told to send directly to their fax or email, telling me they are unaware of what the right hand tells the left when there are clear notes. I will speak with someone who tells me they are working on my dispute personally and then when i call in never be able to speak with them again.. I am told to send documents then they say they can not find them or its illegal to check the emails i sent. I Was sent 10 statues by XXXX in the amount of XXXX I did not order, from XXXX. I reported fraud, they said it was not fraud but a dispute, I provided them with multiple proof that the original vendor attempted to refund the monies and that I did not order the item, I provided it in every format possible and that was requested of me, I even did a conference call where the two companies discussed and agreed the monies were not due. 
Synchrony is now attempting to force me to pay for these items i do not want and never ordered ... They are refusing to honor the dispute or the refund processed and attempted to be processed multiple times after.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

I have never been able to access my credit report from Equifax because the questions they use online to verify my identity have absolutely no relation to my credit history. I tried again two days ago, and once again, all of the questions referenced mortgages, store credit cards and auto loans that I have never taken out, and phone numbers that do not belong to me. There was n't a single piece of verifiable information presented in any of the questions related to my accurate credit history, so it would have been impossible to verify my identity that way. I am able to access my reports from both XXXX and XXXX, and those show no problems with my credit -- but I was recently notified though my bank that there was a negative public record associated with my account. This, combined with Equifax 's inaccurate identity questions, makes me extremely concerned about the accuracy of Equifax 's report. A quick search online returns literally hundreds of complaints about this exact same online verification issue from Equifax. And on top of that, Equifax 's phone system is almost comically XXXX and seems intentionally evasive ; my call was dropped three times as I followed the prompts to speak to an actual representative. A customer service representative emailed me saying that I was free to submit a snail mail request for my report. But of course this is an arduous process not required by either of the other XXXX reporting agencies. People are much more likely to give up, rather than send their sensitive ( and possibly already potentially compromised ) information through the mail to a shady company. Altogether, this looks like Equifax is deliberately evading its federally-mandated responsibility to provide information to consumers.