davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX, I have been a victim of Fraud Since XXXX, I made a police report in XX/XX/XXXX in the city of XXXX texas. As I was called by a temp agency I used to work for telling me that an unknown person came in looking for work using my personal information. I have since battle with inaccuracies on my credit report, I constantly have to monitor my credit report for fraud information. I will be listing the Fraudulent Inquiries on my credit report as they have been done with out my authorization. I can provide my police report I made in XXXX along with letters I have been receiving from the US Department of Justice advising me of being a victim by 3 individuals whom have been indicted using my information. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

This is a complaint about TD bank 's online service. I added my bank accout on line and scheduled automatic payments on XX/XX/XXXX. TD Bank states that my bank account was added for payments but payments were not scheduled. I know for a fact that i not only added my account but set up recurring payments. I have a printout that states as much. But TD bank states that it is not their problem. 

I contacted TD Bank on XXXX and told them about their website error. I then asked to speak to a manager and they said someone would call me within XXXX hrs. NO one ever called me back. I spoke to a rep on XX/XX/XXXX and they stated once again that a manager would call me. Once again no one called. i once again contacted TD bank on XX/XX/XXXX and was told a manager misunderstood my request and that I would have to wait another XXXX Hrs. At that point my payment would be late again, I had to make a payment. 

On the night of XX/XX/XXXX I finally received a call back from a manager. The manager immediately lied and said that another supervisor called me back on XXXX. After I explained that all 3 reps i had previously spoken to had verified that I had NOT receieved a call back. furthermore while on hold, i pulled up phone records and i verified that no call was ever recieved or message left. After pressing the supervisor on why she lied, she admitted that she was making assumptions and did not really know. The Supervisor also admitted that there was a server error on the day i set up my automatic payment but that it was in another department. 

This company repeatedly lied to me and only had a supervisor call me back after payment was received. Their website is horrible and has a lot of errors. If an error is experienced you might not know and it is the customers fault not the banks.
Consumer complaint received 2018-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Company (PA)

Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013 XXXX XXXX XXXX will Balance {$210.00} Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX opened XX/XX/2013. XXXX XXXX XXXX XXXX {$570.00} I should of never received any medical bills I am on Medicaid and by law theyre not allowed to bill me
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion should not be reporting that I am ( 60-120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I took an online survey from my email XX/XX/22 and it started I could get free skin care products just pay shipping of {$4.00}. And you got two bottles of cream that was it. The company charged me {$88.00} to enroll in a program that was never stated in the advertisement nor any of the emails I was sent. I told the bank it was a fraudulent charge I never agreed to pay them for one bottles XXXX and XXXX for the second one total amount of {$160.00} I called the company many times they never picked up the phone sent me a email saying sorry we didnt get back to you
Consumer complaint received 2022-06-15
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. (VA)

I recieved a phone call from Navient about student loan payments for 3 private loans ( XXXX, XXXX, and XXXX ) on XX/XX/XXXX. During that call, I asked the representative for verification of the debt pursuant to the FDCPA. She said she would mail it out immediately. At the end of XXXX, I received copies of XXXX promissory notes submitted for student-EXCELL loans to XXXX XXXX for XXXX XXXX, XXXX, and XXXX school years. According to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind.App. XXXX ) " The contract in no way provides sufficient verification of the debt. '' When I again requested verification of the debt on XX/XX/XXXX I was told an electronic signature is evidence of promise to pay. However, the loan has not been verified since I have not received a full payment history and an explanation of how additional fees were calculated let alone proof that Navient holds the loan since the documents I received were all agreements with XXXX XXXX. 

Attached is everything I received from Navient in response to my request for verification of the debt.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX XXXX  : XXXX XXXX Account : XXXX
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

XXXX XXXX XXXX has been attempting to collect a voided debt from XXXX Credit Card for years. They called my in-laws in XX/XX/XXXX. Today,XX/XX/XXXX, they called at XXXX XXXX. and would not tell me who they were because I wouldnt verify my social security number and address. I hung up and would like this nonsense to stop. The debt it no more, yet they still contact me and my family members.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!
Consumer complaint received 2018-05-14
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. (FL)

Experian has re-inserted accounts on my credit that were deleted. This is against the law. 
The following accounts need to be removed : XXXX XXXX- # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX -- # XXXX XXXX XXXX -- XXXX XXXX XXXX/XXXX XXXX -- # XXXX
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I made a purchase from JC Penny on XX/XX/2022 and was billed for payment due on XX/XX/2022. I thought that by law billing payment cycles are at least 21 days. I paid the bill because I didn't want to have a late payment on my credit report. I also read Synchrony Bank terms for credit card holders and it quotes that billing cycles are from the XXXX to the XXXX of the month, or from mid-month to mid-month. ( Your credit card statement will outline the billing cycle and terms. ) are XXXX thru the XXXX of the month.
Consumer complaint received 2022-06-18
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. (AZ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-03
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)

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Hello, I received a copy of my credit report and there is an account. I am not familiar with any account with Enhanced Recovery. I have reached out to Enhanced Recovery and have been unsuccessful in communication and verification of any debt with this company. I am requesting Enhanced Recovery remove this account from all XXXX, XXXX and XXXX. Please find the attached letter to Enhanced Recovery. 

Thank you, XXXX XXXX
Consumer complaint received 2020-02-04
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: WELLS FARGO & COMPANY (CA)

I've recently checked my credit report from XXXX  and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX XXXX XXXX ( Acc no : XXXX ) and WF PLL ( Acc no : XXXX ) accounts were disputed and deleted in XX/XX/2019. However, XXXX  reinserted fraudulent accounts without notifying me.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Williams, Rush & Associates, LLC (VA)

On XX/XX/2022 @ XXXX, I called and spoke with an employee of William Rush XXXX XXXX concerning account # XXXX. During our conversation the employee of William Rush XXXX XXXXXXXX violated several statues of the Fair Debt Collections Practice Act. First, before we started discussing the account she never stated that she or her employer was a debt collection agency until the middle of our conversation, also she accused me of breaking the law when she stated that I gave the original creditor the wrong email address on the application and because I didnt update my email address with the original creditor I was further committing a crime. She stated by law I must contact the creditor if the email address on my application has changed. My concern is how does she know I gave the wrong information. Isnt it reasonable to say that the employee of the original creditor entered my information in wrong during the application process? As stated above XXXX XXXX and Associates violated the follow statues : 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 

( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

One XX/XX/XXXX, Capital One made a decision to close all my accounts. One of the accounts was a savings account I am a co-holder with XXXX XXXX, my daughter as a minor. One XX/XX/XXXX, I called Capital One because I have not received the closed out amount of {$100.00}. I was told that day that a cashier check has been mailed to me and it would take 10 business days. I was told if I don't receive the check by XX/XX/XXXX, I can call again. I did not receive the check so I called on XX/XX/XXXX. I was transferred to at least three times and after 30 minutes, they can't seem to be able to explain what happened my XXXX 's balance.
Consumer complaint received 2022-07-24
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: Fidelity National Information Services, Inc. (FNIS) (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-03-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Every single year, since about 2018, I get a call once or twice a year stating that Ace Cash Express has hired them to collect a debt from me. I have asked many times to have proof of debt sent to me and have also asked them to quit contacting my family members and my place of employment. The problem is, every year it's a different company that calls me, but it's always about the same thing. 

" XXXX XXXX from the XXXX XXXX XXXX calling in regards to petition that's been filed here in my office. I need to speak with either yourself or your representing attorney immediately. I can be reached directly at XXXX my direct extension XXXX is when calling please reference filing number XXXX. Failure to respond would be my recommendation would be solely on the information provided I can assure you my intent will be to move forward with the charges ''.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

It is easier for Experian to label all my complaints as duplicate instead of accepting liability. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX ( XXXX  ). Experian dodges liability by refusing to send and labels complaints as duplicate. I feel like I am playing word games with XXXX  and have complained no less than 500 times. It is time for Experian to do business as the caretaker of my personal information.
Consumer complaint received 2020-07-31
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not finish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-15
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: ID Analytics, Inc. (IL)

I applied for XXXX  credit and was declined and when I got the letter the reason why I was declined they listed information thats not on my report like BK and late payments and charged off account, but I dont have any of that on my report, called XXXX and they told me the got the info from my report with XXXX XXXXeporting agency, called them too many times first voice mail no one answer then finally someone answer and they said it could be that my file mixed info with someone else, I asked them to remove the info and correct the problems and they wont, I asked to file Dispute they want my SS card and my ID to file Dispute!!!!!!!! I sent th fax with Dispute but no correction.