davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested my credit be permanently unfrozen with Transunion and XXXX  on XX/XX/2021. XXXX XXXX XXXX XXXX  XXXX is attempting to process a mortgage pre-approval for me and they said my credit is still fully frozen one week later XX/XX/2021. I have attempted to contact XXXX  and Transunion by phone, by email, by social media XXXX XXXX, XXXX, XXXX XXXX and there is no option to speak with a person about what is going on and why my credit is still frozen. I don't know if the credit bureaus are wrong or if the bank is wrong, but I can't get any new credit because I can't even get ahold of the bureaus to ask them what my next steps are. I've gone through every automated option on their phone systems and tried emailing them and there is no option to speak with a human person. None of their automated options are what could help me. I don't know what else to do. Thanks.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/XXXX I went to the American Express website and saw the Gold Delta Skymiles card. Along with it was a sign up bonus offer. The offer stated that if you spend {$2000.00} within the first 90 days you would receive XXXX bonus Delta Skymiles. Then if you spend an additional {$1000.00} after that within the first 90 days you would receive and additional XXXX bonus miles - totaling to XXXX bonus miles. I immediately called in to apply for the card over the phone and verified that this offer was still valid. I was told yes it was and if I got approved I would receive it as long as I meet the spending criteria. I was initially declined for approval and then asked for reconsideration. The application was approved on XX/XX/XXXX. Within the first 30 days I had already met the {$2000.00} of spending. And now I have met the additional {$1000.00} spending also. On XX/XX/XXXX I received a bonus of XXXX miles instead and immediately called into to American Express to let them know this was the wrong amount. They opened up a case investigation for me and gave me a Case Number of XXXX. They stated that bun XX/XX/XXXX the case would have a decision. I called in today ( XX/XX/XXXX ) and was told they still dont have a decision.
Consumer complaint received 2022-03-06
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and i was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible. 
XXXX
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$700.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$920.00} I have contacted each and every creditor they told me to call the credit bureau they can not give me any information on these accounts that they are saying are mine they are very rude and not being considerate of identity theft!
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am requesting Equifax to do a complete due diligence into the telephone security questions provided for XXXX XXXX. The current security questions do not belong to XXXX XXXX. I have reviewed them and even tape recorded the security questions, all of them are false.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have 2 late fees on my account. With payments made. Issue is on XXXX I paid my XXXX bill and on XXXX I paid my XXXX bill. They said because my XXXX payment went in previous cycle since statement wasn't cut until XXXX. My payment on XXXX was for XXXX. I am paying 26 days early and I get 2 late fees and they are stating it is my fault. 

David 's Bridal
Consumer complaint received 2018-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CO)

I graduated from the XXXX XXXX at the University XXXX XXXX on Friday, XX/XX/XXXX. My first student loan payment is scheduled due on Wednesday, XX/XX/XXXX. My student loan servicer is Edfinancial Services. 

While the quick turnaround is not in itself a problem, my loans qualify for 6 months of forbearance and/or deferment after graduation. I need to utilize this grace period because I will not start working until XX/XX/XXXX.

However, as of Monday, XX/XX/XXXX, there is NO WAY to contact my servicer. They have three customer service phone numbers posted online - none of them work. Each phone number plays a XXXX message saying that the phone number has been changed or disconnected. They have an " Email Us '' option that is currently broken. 

I also called the Department of Education and their financial aid people to see if they could get me in contact with my servicer. They gave me the same phone numbers from the website that are disconnected. 

This process is honestly an absolute joke. I am entitled to modify the terms of my repayment but I am unable to do so because the company is unable to be contacted. It's completely unprofessional and, honestly, predatory, because I know that Edfinancial Services will magically appear if I don't make my payment on Wednesday. 

Any help that you can provide would be greatly appreciated. I will be following up with the OIG at the Department of Education, as well as my school 's financial aid office.
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 — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

I sent a Consumer Notice of Fact to XXXX in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states XXXX is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX or its affiliates written permission to furnish a consumer report. The debt collector, XXXX also sold my information to a third party and shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Consumer complaint received 2020-12-15
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)

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been a victim of identity theft. There are over 20 collections for things I have no clue where they are from. I have contacted the company to dispute it but they are saying they can not remove anything without payment, which I know is not true. 

This really isn't fair, is there anything anyone can do?
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

I refinanced my mortgage with XXXX XXXX in XX/XX/XXXX. They sold it to XXXX, then to CHASE. I had made payments to CHASE since then. When I searched my MIN number with XXXX search, CHASE shows up with my MIN number and my ss #. But when I searched with my home address, I found that XXXX XXXX XXXX is current on my house search since XX/XX/XXXX. CHASE was shown to be inactive in status on my address search since XX/XX/XXXX( about the time I first started mortgage application on my house ). I became confused, held my payments and contacted the executive office of CHASE with the copy of the search, demanding an explanation. The only response I received in regards to the question was a Notice of intend to foreclose. I thought according to the Fair Credit Reporting Act, I should be made to know what is going on with my loan. Instead I get a foreclosure notice. I need help.
Consumer complaint received 2018-12-13
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. (GA)

On XX/XX/2018 I contacted Experian with inaccurate information appearing on my report, they updated several issues but failed to update the following issues as well : In addition, There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current Employer is XXXX XXXX, my previous Employer was XXXX XXXX XXXX.
Consumer complaint received 2023-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Ive contacted this creditor several times to notify them that the account is fraudulent & nothing has been done to remove this from my credit report its cause me financially & mentally because its Hindering me from being able to qualify for different lines of credit
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} US DEPT ED XXXX Balance : {$2100.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$35000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} US DEPT ED XXXX Balance : {$5600.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$2200.00} XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$4600.00} US DEPT ED XXXX Balance : {$2400.00} USDOE/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo dealer services has submitted a charge off this XXXX of XXXX. The account was paid off in XXXX of XXXX. The charge off indicates XXXX XXXX The last payment of XXXX $ was paid in XXXX of XXXX. This was so long ago and I do not have the vehicle any longer I do not have the pay off letter that I received in XXXX. This reporting of a charge off that was never done is being reported 4 and XXXX years after the last payment was recorded. Its been to long for me to still have the verifiable paperwork to disprove this charge off.
Consumer complaint received 2021-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (IN)

recv 'd letter from TRS recovery ref # XXXX re : a {$500.00} electronic transfer at local XXXX on XX/XX/2020. We do not shop there. XXXX stolen XX/XX/2020. Stopped all known cards, but license and such were in billfold. Tried going to TRS site but they wanted routing, account numbers to even start looking into it. No idea what this is about. XXXX said they do not use this recovery company and would have communicated with us directly. So ... is TRS a scam, or has someone incurred this debt fraudulently with my ID? XXXX has no indication of an attempt to get $ from them, so we don't know what to do.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I did a debt consolidation for two of my credit cards because at the time it was hard for me to pay all of my cards. It was a Capital one platinum card and XXXX XXXX card. I was makng my payments on time but i recently found out that they kept saying they were late when they were always paid on time. can you help me fix this problem?
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Equifax, XXXX, and XXXX stated that my account was properly investigated or it meets FCRA requirements. How is that possible when there are still errors and inaccuracies across all three agencies. High balances are different all cross the XXXX agencies, dates last verified are all different, date reported, date opened, and date closed are different or are missing, payment history is inaccurate : This is grounds for immediate account deletion because these are all violations on my credit consumer file. 

Listed Accounts : XXXX XXXXXXXX ( account is suppose to be closed ) ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX ( reported information is all inaccurate or missing across all three CRA 's ) Account # XXXX XXXX XXXX Auto ( reported information is all inaccurate or missing across all three CRA 's XXXX Account # XXXX This is ground for account removal from all three CRA 's and XXXX relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not XXXX a account without my written instructions.
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (FL)

Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

am writing to file a formal complaint against XXXX, XXXX and Experian regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On [ XXXX XXXX ], I notified [ XXXX XXXX  ] that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX, XXXX and Experian has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX, XXXX and Experian complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byXXXX, XXXX and Experian
Consumer complaint received 2022-11-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (FL)

EARLY XXXX XXXX XXXX, XXXX XXXX XXXX Santander Consumer Usa Inc . 
threatened to sue me case was dismissed and since then i never heard from them in any form of contact.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

I am reporting equifax on their myequifax account services. This is a service to get credit reports and to freeze or unfreeze your credit report. I have had trouble accessing my account since XX/XX/XXXX and have called them numerous time using the number XXXX, which was the number that was shown on their website whenever I tried to login. I eventually escalating my situation on XX/XX/XXXX, however I called a few days after to get a status on it and they said it could take up to a year to get it fixed and there was no time limit on when it will be resolved. I have called numerous time and no one seems to be able to help me, they won't allow me to talk to a supervisor and at this point I am going to sue them if nothing is being resolved. This is very important to me and need this fix now. This is basically preventing me from freezing my credit report and unfreezing it. I have been reading online and I am not the only one dealing with this issue many people are and they are also getting frustrated to the point there might be a class action lawsuit.
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc. (MN)

I used to have an account with MoneyLion. I have since closed my account.

Since closing my account, I have received several emails, both advertising additional products and updating me about how the terms and conditions " of my account '' were changing. These emails offers no way to unsubscribe.

When I called MoneyLion, they confirmed that I do not have an account with them, but told me that they were unable to delete my email address or my personal information ( birth date, social security number, etc. ) or unsubscribe me from emails.