davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Experian.com 's main website banner offer 's a {$1.00} credit report when clicked takes you directly to a page to fill out the form. No where on the banner does it state that you are agreeing to JOIN a recurring membership based website. No where in the process is there a field to opt out of this supposed membership. 

I got a {$1.00} credit report on XXXX XXXX, 2016. I cancelled the credit card I used to purchase the report. The only notice I ever received from Experian was an email requesting I log in and give them my new credit card. I never did because I did not and was not interested in any further offers from their company. 

Today Experian put the charge through on my new credit card, a number I never gave them I never put in their website nor did I ever agree to pay anything with. 

I called Experian immediately when the charge was processed on my new credit card and asked why. The representative on the phone told me he could not help me unless I gave him my credit card number, the new credit card, I absolutely refused to do that and I argued with him until he agreed to find me by my social. 

It is obvious to me that Experian was attempting to get my new credit card number to weaken my ability to dispute the charges. 

Having text below a banner on a website does not tie the advertising banner together with the offer. Then when calling to complain the company tries to strong arm me to hand over my new credit card information because they don ' t have it and they know they do n't have it which further shows I had absolutely no intention of doing business with them nor do I ever intend to again.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to one bank and if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than one bank. 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1.XXXX/XXXX XXXX XXXX 2.XXXX  XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, XXXX
Consumer complaint received 2021-11-08
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. (FL)

I applied for a credit card with XXXX XXXX XXXX XXXX earlier this year and XXXX XXXX XXXX XXXX told me they could not access my file. They said when they tried to pull my Credit Report they saw " not available '' and there was a " fraud alert '' on my account. Equifax told me there was no " fraud alert '', " freeze '' or " lock '' on my account and that XXXX XXXX should be able to see my account. A few months later I tried to apply for a loan with XXXX XXXX. Again they said my Credit Report was unavailable... they couldn't pull my account. Equifax sent me a letter stating there was no fraud alert, freeze or lock on my account. If my Credit Report is unavailable, I can not apply for any products. Equifax has told me over the phone that the problem is with XXXX XXXX. XXXX XXXX says the problem is with Equifax. I do not agree with Equifax 's response that there isn't a problem as I have had this issue since earlier in this year XXXX XXXX  ) and it is very frustrating. I would like this matter resolved as soon as possible.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to XXXX to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or XXXX, XXXX repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged XXXX for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). XXXX reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid XXXX greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, XXXX is unwilling to remove the report as a repossession in XXXX. 

I have called XXXX, wrote the credit agency with XXXX, and disputed with the bureaus. XXXX continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rauch-Milliken International, Inc. (NC)

I own a XXXX XXXX  in XXXX XXXX, NC called XXXX XXXX. The collection firm Rauch-Milliken International Inc. , located at XXXX XXXX XXXX XXXX XXXX, LA XXXX and with a phone number of XXXX, contacted me repeatedly and was abusive each time. The caller was Mr. XXXX. He was sarcastic, demeaning and made untrue claims. 

I told him that the debt with XXXX XXXX was in dispute, that the company making the claim had withdrawn thousands of dollars from my business checking account which were not owed to them and we had made repeated efforts over the phone and in email to resolve discrepancies and double billing. When they were recruiting me as a client, they made numerous misrepresentations on billing and pricing. We even received a personal phone call and written letter of apology from the Corporate President of XXXX XXXX for illegally debiting my account for over {$10000.00} for debts not owed and without my permission. They claimed this was a " glitch '' and it took a long time for them to refund my money on payday and during the holiday season. Then it happened again. 

Despite this, Mr. XXXX has continued to send us threatening letters and take us to court.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a victim of a gift card scam and my bank said there is now way I can get my money back because I " participated '' in the act. It all started with a call from someone who identified themselves working with the IRS on XXXX XXXX They said multiple checking accounts were opened up in my name in Texas and was used to money launder into XXXX. I was being charged with money laundering and drug trafficking. I either had to go to court in Texas and plead my innocence or corporate with a local investigation. I picked the local investigation. I told them what county I am in and then they connected with a 3rd caller who was supposedly the my county Sheriff. The Sheriff then called me to speak one on one, and when he called me it came up in my phone as the name of my County Sheriff 's office. He said we can only speak on this line because it is recorded and I can not talk to anyone about this investigation or else I would have to go to court in Texas. He said the most important thing you need to do is " XXXX '' your money. Because they were going to freeze all accounts opened up under my social security number because of the money laundering charge. In order to do this I had to buy gift cards at XXXX dollars a pop. I would then exchange them for " Government Vouchers ''. It wasn't until the second day after we didn't meet that I figured out what was going on. He had me scratch off the back and read him the account number and pin number on the gift card and then I would go back into the store, most of them were XXXX, and I would go to self checkout and grab 10 at a time. I would only ring up two at a time because there was a XXXX dollar limit. All in all I lost XXXX dollars with 97 gift card purchases. I filed a fraud claim with the real Sheriffs department and with my bank. I emptied out both of my checking accounts, both of my savings accounts, and even started selling stocks from my mutual funds. This scam really has hit me hard financially and I don't think I will be able to recover from this if I am not able to receive these funds back. I did everything I can to report this issue and notified everyone that should be notified ; to include the IRS, the FTC, my bank, XXXX, and my Sheriff 's Department. While searching online I found out that there was a lady who lost over {$100000.00} and was able to get it all refunded. It does not seem fair that she was able to get her funds back and I am not. Is it because the local news covered it and she ended up on T.V and had an article written about it. I really need help on this matter and I feel like I am not getting any, even though I reported it to all the respective parties.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am following up with a previous report I submitted regarding FRAUDULENT INFORMATION. I DO NOT KNOW WHY THIS INFORMATION HAS NOT ALREADY BEEN BLOCKED AND REMOVED FROM MY REPORT.I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX data Breach in 2017. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for
Consumer complaint received 2020-12-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

XXXX XXXX is my name social XXXX address XXXX XXXX XXXX XXXX XXXX. I have a document below the would reflect my complaint.
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2015, Bank of America, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Bank of America willfully violated it 's own policy. I have XXXX previous open complaints against Bank of America for violating this policy.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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, 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

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.

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 2018-11-21
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. (AR)

EXPERIAN IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX XXXX XXXX   NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

I have spoken with multiple reps from XXXX XXXX who purchased my account from XXXX XXXX. I have received phone calls prior to XXXX and after XXXX. I have asked them not to contact me regarding this matter being that I have no contract with them. This month, after receiving numerous phone calls at all times of day and night from auto-dialer numbers, I was transferred to XXXX XXXX, who was not available. I proceeded to speak with a young woman referencing the account and explained to her that according to their policy, consumers that exhibit unforeseen financial or medical hardship can have collection actions ceased and the account removed. I also explained that I had a change in employment in XX/XX/XXXX-XX/XX/XXXX that caused financial hardship. As of this year, I have had several health complications and have had to take on the responsibility of caring for my aging parents : one with mental health issues. This coupled with my own medical issues, has created drastic financial strain.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX FXXXX 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 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I attempted to obtain my free annual credit report from Equifax via XXXX about a month ago, and although I answered all of the ID verification questions properly the web site rejected my request and directed me to submit my request by phone or mail. I then submitted my request by phone to XXXX on XX/XX/2019. Although the automated system confirmed my request was received, to date I have not received my report.
Consumer complaint received 2016-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (RI)

I have both private and federal loans with Navient. I went to the University XXXX in XXXX, CT. The last time I was in contact with Navient, they asked if I agreed to an autodialer contacting me if/when necessary. I said yes. They have been abusing this and just within the past 72 hours have called my cell phone over 10 times ; 5 of the times within an 8 hour period. The have also called me on the weekends ( both Saturday and Sunday ) after XXXX. Just because I agreed to letting them call me does not mean they should be able to abuse the system like this. I also do not make enough income to be able to pay the amount they were asking. They were very difficult to work with on this and said that the Rate Reduction Program is a " step '' program where every time I renew it the $ $ amount increases. 

Thank you for your time!
Consumer complaint received 2022-05-13
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: General Motors Financial Company, Inc. (OK)

In XXXX of this year I logged into GM Fincial to make my car payment. the system was down to do so. They marked my credit for 30 days late ro crb. Refused to fix,
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Re : American Express XXXX delta credit card Account ending : XXXX This is a credit card I opened more than a decade ago and have not used in the last 7/8 years. I thought I have canceled this card and never received any communication in many years so this wasn't even on my radar, It seems American Express has been charging me an annual fee of {$99.00} for those years as I had signed up for auto payments being a responsible customer who didn't want to be late on payments.

For the last 7/8 years, I do not have a card, never received a new card or a statement, never activated the card, and haven't used it but American Express has been charging me annual fees every year. 

I think their emails were going into spam as I never interacted with them in so long but when I saw the annual fees on my checking account today I searched and found an email from 2 years ago ( XX/XX/XXXX ) where they mentioned that they issued me a new card and sent it to an address in XXXX XXXX where I last lived in XX/XX/XXXX and have moved 3 times since then and live in northern California. They must have reissued this card many times but I could only find emails for last 2 years. 

From all this it's very clear that they were aware that there has been no communication from my side, I never even activated their re-issued cards, and never used the card for anything but they continued to charge me an annual fee. I called and asked them to confirm this and they said they could only see 11 months of activity and couldn't confirm it for me. This is a case of a complete lack of attention towards anything else including the security of the card as long as they could charge me an annual fee. 

The attached file shows that last 2 years the only activity has been annual fees they charged me. I could not go beyond that on the site so can not show those years. 


American express customer service case ID : XXXX
Consumer complaint received 2020-12-21
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I signed up the day or so prior to the XXXX app. Or XXXX.XXXX. 

They took on new people and supposedly are working out the kinks of new people. I have not broadcasted on that site nor commented or violated their tos in anyway. When reaching out to them as to why you pay for coins or sponsorship and then arent even allowed to post on the app after they take their money / they dont respond. It was self automated saying they were very busy. Not busy to take your money and stop you from posting. Called Barclays to tell them and they sounded confused. I want my XXXX from XXXX  back since they took my money and had no response as to how as a new user I did anything wrong when I didnt even broadcast.
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (NY)

Performant recovery never performed any audit in reference to XXXX XXXX office inXX/XX/2018 

XXXX then notified a healthcare insurer that an audit WAS performed inXX/XX/2018, allowing the insurer to illegally recoup {$8400.00}. 

XXXX XXXX, President of Performant and XXXX XXXX, XXXX of XXXX XXXX at Performant continue to deny this fact despite having no evidence of any audit nor evidence of any review. 
XXXX XXXX provides fraudulent information to insurers.