davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
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: Avant Credit Corporation (NV)

I was mailed a " Pre-approved '' letter from Avant. It said I was approved for a credit card with a {$1000.00} credit line. It was sent to my correct and current address. When I " accepted '' the " offer '' on-line, it was switched to a {$500.00} line, and showed my OLD, no longer valid address. I corrected the address on the web form, and it showed as approved. 

Then, I received an email to " remind '' me to activate the card. Which I have NOT received, because Avant apparently mailed it to my previous address which no longer is able to receive mail ( due to excessive THEFT issues with the USPS which they refuse to acknowledge. ) I emailed Avant to advise them that the card was not ever delivered to me, and they replied that I have to call them ( yet they never answer the phone ). 

Now, I have received a BILL notice email that my statement is due soon. FOR A CARD I HAVE NEVER RECEIVED OR ACTIVATED. 

It is FRAUD to bill me for a card that I have NEVER EVEN RECEIVED, let alone activated. 

Avant needs to be investigated and fined for their ineptitude and willful FRAUD. First Bait & Switch on the credit line, then sending the card to an invalid address that was corrected on the acceptance form, then BILLING for services NEVER RENDERED. 

Thank you for any assistance you can provide.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 


Account name : US DEPT ED Account Number:XXXX Account name : U S DEPT OF EDXXXX Account Number:XXXX Account name : XXXX Account NumberXXXX  Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (OK)

This is has been going on for several months, however today was the most egregious violation of the Fair Debt Collection Practice Act that I have ever experienced : Harassment of a third party individual that has nothing to due with debt with 4 repeated simultaneous phone calls after third party requested not to contact her. On fourth call, debt collector advised her that they knew where I lived and would have the XXXX County serve me documents today and hung up on her. ( copy of phone log attached ) The same debt collector also left me an extensive voicemail ( transcript attached ) Claiming of threat that claim was being filed with XXXX County and my personal information would be made public. Please see full content on this attached voicemail transcript. 

When this account was first assigned to this company, I tried to communicate with the individual ( 1. ) I have never received any letter from them identifying who there where and instead was yelled and screamed at with derogatory alternatives of suit ; ( 2. ) I also disputed the amount and date of debt and requested full validation with all documentation and accounting of how they claim this amount. This has been asked three times with a debt collector and they still have not provided information and continue call and leave messages of egregious threat violations. 

I consideration of the Fair Debt Reporting Act - They have reported this debt on my credit bureau files before they ever sent me any letter ( s ) advising me of a assumed debt with them and have also failed to report to the credit bureau that the debt was previous requested to be disputed. 

As of today, I am not only sending them the dispute in writing and requesting that they cease and desist immediately ( per advice of attorney ), I have also obtained the same attorney for possible legal action for such violations,
Consumer complaint received 2021-10-15
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: JPMORGAN CHASE & CO. (NJ)

I purchased a dating service via my Chase Freedom Card ( Chase ) on XX/XX/2021. On or about XX/XX/2021, I notified Chase that the vendor was not provided the service pursuant to the terms of their Agreement, and I was disputing the charge of {$4500.00} from the vendor. 

On XX/XX/2021, I completed a questionnaire from Chase regarding the disputed charge. I faxed the completed form at a Chase branch in XXXX XXXX, NJ. On XX/XX/2021, I received a second request from Chase requiring additional information regarding the disputed charge. I then submitted my 2nd completed questionnaire on XX/XX/2021 and faxed the questionnaire at the Chase branch in XXXX XXXX, NJ. 

On XX/XX/2021 I received a letter from Chase saying that they found no billing error based on our research. They did no research nor did they review the two ( 2 ) questionnaires I completed. ( Please note that their letter was signed by an individual only providing their first name, which provided no accountability. ) After receiving their letter of XX/XX/2021, I called Chase and they then put the charge back in dispute. They sent me another letter dated XX/XX/2021, stating that I didnt have to pay the disputed charge while they investigated. From the period of XX/XX/2021 until XX/XX/2021, I received no communication from Chase regarding the disputed charge. 

On XX/XX/2021 I received a letter ( again signed by Chase representative with their first name only ), stating that they are reinstating the charge since the merchant was willing to provide the services as described but you opted to cancel the agreement. This statement is false, since the merchant was totally unresponsive and did not provide the services pursuant to their Agreement. Chase attached a letter from the merchant dated XX/XX/2021, with a copy of the Agreement, which I had already provided Chase. 

There were multiple falsehoods in the merchants letter, but Chase did nothing to investigate. I reached out to Chase via phone calls to speak to a representative, but they refused to do anything. There was NO INVESTIGATION by Chase. 

I then went to a Chase branch in XXXX XXXX, NJ and spoke with XXXX XXXX, VP at the bank and she submitted a request to Chases Solution Department. However, the Solutions Department did not investigate it further. At this point, I informed Chase that I was going to submit a complaint with the FTC, since Chase was negligent in their duties to thoroughly investigate the charge.
Consumer complaint received 2021-02-10
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. (OH)

An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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  Account Number:XXXX  Account name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alliance One, Inc. (CA)

Call from XXXX
AllianceOne (a collection company for the "govn't" is a company that uses its "power" to get away with fraud and terrorism of the American people and businesses in its accounts.

Amnesty Program for California Traffic Tickets & Infractions is the program this agency is using to harass people.  I never answer their call and they do not leave a message.  I do not have outstanding traffic tickets and am a retired debt free person.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

InXX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my XXXX and Equifax report. Anything fromXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXare all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only experion has deleted them. XXXX and Equifax both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help me.
Consumer complaint received 2018-01-12
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: GOLDMAN SACHS BANK USA (TX)

XX/XX/XXXX, 2017 I received information from XXXX XXXX that i was eligible to receive a loan with low interest rate to better my credit score. I spoke to the bank and the intake person on what i would need to get a loan. Which never did. Now i have a hard credit check on my credit score on for two to seven years. 

Your assistance is needed as to how i can remove this from my credit score. 
Thank you XXXX XXXX
Consumer complaint received 2021-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

To whom it may concern, I recently checked my account and noticed PAY PAL has been withdrawing {$44.00} from my account monthly for 3 months listing the charge as " XXXX ''. I contacted them and I informed them I did not authorize these charges and they have not helped me to resolve this. Thank you very much for your time and help in resolving this.
Consumer complaint received 2021-10-15
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. (CA)

On XX/XX/2021, I notified Equifax that several of the accounts they were reporting on my credit report were subsequent to identify theft. I filed the appropriate police reports, an FTC Identity Theft Report, Identity Theft Affidavit, and multiple letters to the several alleged creditors. Equifax initially deleted this information but as of today ( XX/XX/2021 ), Equifax has put all these accounts back on my credit report well-knowing, and after having determined these accounts were fraudulent, and previously deleted them. Equifax allowed these to be placed the fraudulent accounts back on my credit report AFTER having deleted them for a month. I have tried following up with them to seek an explanation but Equifax is entirely unresponsive claiming that they are missing information despite the fact the I mailed everything to them and I have proof they received it because I mailed everything certified mailed return receipt requested.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

EQUIFAX CREDIT REPORT HAS INCORRECT ADDRESS INFORMATION. 

THEY HAVE ALLOWED A CHANGE TO MY ADDRESS INFORMATION WITHOUT NOTIFYING ME. 

XXXX AND XXXX BOTH HAVE MY ADDRESS INFORMATION CORRECT. 

EQUIFAX HAS REVERSED MY CURRENT ADDRESS WITH A PREVIOUS ADDRESS. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX. 

THEY DO NOT HAVE THESE ADDRESS REPORTING CORRECTLY. THEY ARE REPORTING THE XXXX IN ADDRESS AS PREVIOUS AND THE NEW XXXX ADDRESS AS CURRENT. THIS IS WRONG. 

PLEASE HELP
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (WA)

A chargeback was filed on XX/XX/XXXX for a item that was never received. Key bank reversed the chargeback XX/XX/XXXX. Keybank claims they sent paperwork that I never received. They refuse to give me any information about the dates of their investigation, what their investigation entailed, whether or not they spoke with the other party. I have requested call backs from a disputes department three times and never heard back. Keybank had 6 months with which to completed their investigation and they ran out the clock in order to reverse my chargeback request and take my money. The charge was fraudulent, they have no grounds with which to do this.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc. (IN)

This complaint refers to the " Spring Challenge '' offered by Google Pay in XX/XX/2021. 

I participated in the Spring Challenge and earned 4 of the 5 reward stamps that were required to earn the {$30.00} reward offered. To earn the fifth " fox '' stamp, I made a valid transaction using Google Pay 's reward-sponsoring merchants ( specifically : XXXX ) using a credit card linked at the time to my Google Pay account with reward tracking enabled. However, Google never tracked the purchase and never awarded me my Fox stamp, despite contacting their customer support and providing screenshot evidence of the purchases being made in accordance with the terms ( curiously, the email agent asked for the screenshots, thanked me upon receipt, and then promptly ghosted me ). As such, I made purchases in anticipation of a promised reward that was then withheld from me.

I have screenshots of ( 1 ) my purchase, ( 2 ) the promotion terms, and ( 3 ) the Google customer service thread in which I submitted documentation as requested and was ghosted. In short, Google is using their good name in technology to scam their customers with this new payment product. It is unacceptable and infuriating to do this to customers, even for small amounts of money such as {$30.00}.
Consumer complaint received 2020-09-25
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. (IN)

Upon receiving my daily XXXX and Equifax credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of XXXX  and Equifax. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the  information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

We have been receiving multiple phone calls daily from a debt collector trying to collect a debt I do not owe. They call my number looking for someone with my name but the other identifiable information they have is not mine. They ask me if the last four of my social matches their system and I tell them it does not. Today, I was asked if I lived at a certain address but I do not nor have I ever. I have advised them to remove my number from their list and that if they do not, that I would report them. I received a second call today and asked for their information. The caller said his name was XXXX XXXX. He works for XXXX XXXX XXXX. His phone number is XXXX ext. XXXX.
Consumer complaint received 2018-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

i got a notice via email about the pin being changed on my account. i tried to log into my account online and got a page saying the account was closed temporaraly. i called the number listed and was given another number to " XXXX '' that was " reviewing my account '' ... ive gotten no response ... the account is is less than 2 weeks old ... i made my {$0.00} deposit to get my debit card sent to me. then a {$1.00} deposit and {$1.00} withdrawal by XXXX  to link my account to XXXX. roughly 3 days later i am currently locked out my account and have got no respponse from " XXXX '' ... my account is an interest checking account through ally bank ... ( online banking ) my name is XXXX XXXX and an email i can be contacted at is XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  issue was resolved a couple years ago and remove the fraudulent item off my credit report. Now they are putting back on there. Inaccurate information from their company has cause me mental health issues. That was already resolved. Remove this item off my credit file. I Will be taking this further to seek compensation due to these inaccurate issues on my report.
Consumer complaint received 2019-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXXXXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX; by sending Method of Verification letters certified mail, return receipt requested to Experian, XXXX ; And to XXXX via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX