davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (AZ)

My car was broken into and my purse stolen while in a kayaking trip. My credit cards were used by whomever stole my purse. Immediately upon discovering the theft, I filed a report with the XXXX XXXX XXXX, reported it to my bank, and cancelled stolen cards. The bank only refunded one of the fraudulent charges and claim their investigation proved they were not fraudulent. I asked for copies of the investigation which said the card was not in my possession but since I was in the vicinity, I made the charges. It wouldve been physically impossible for me to travel to the places the cards were used and then back to the canyon to report it in that timeframe. The bank still refuses to reverse the fraudulent charges.
Consumer complaint received 2022-05-13
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)

I have contacted TransUnion In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) XXXX unauthorized inquiries that they are reporting on my credit report. I contacted the XXXX creditors XXXX XXXX XXXX  ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.
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. (IN)

n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, XXXX, XXXX, ACCOUNT NUMBER 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 2022-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I checked my credit report and noticed inquires that were not authorized by me. I contacted the companies and the issue was not resolved over the phone.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX IC Systems Collections XXXX XXXX XXXX XXXX XXXX MN, XXXX Account # XXXX I would like to file a complaint because IC Systems collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$3100.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you XXXX months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I filed bankruptcy back in 2011 due to medical reasons. Went through the 7 year wait time, all while still paying mortgage to Bank of America, XXXX and currently XXXX XXXX. I was told that these companies DID NOT HAVE TO report my 'ON TIME ' payments to the 3 credit reporting agencies. Granted, I do not have ANY credit cards, but shouldn't mortgage payments count?? It was rather surprising to find out that my credit score was, and currently still is, XXXX 'XXXX '. This can not be correct. Please help. Thank you.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX charged a {$17.00} purchase to a credit card ( XXXX prime card managed by XXXX XXXX ) which I'd cancelled several years ago. 

XXXX then auto drafted payment from my Bank of America checking account. When I used the card and the account was active I had it on autopay. The account was over drawn so Bank of America rejected the auto draft and charged me {$35.00}. 

This process repeated itself 5 times. Bank of America agreed to waive two of {$35.00} charges but wouldn't credit me for the remaining charges. 

I asked what benefit or service did I receive in return for the {$35.00} charge, they indicated that according to banking agreement I would be charged {$35.00} each time the account was overdrawn and another bank attempted to draw payment. I escalated my request to a supervisor who called me. I plead my case but he would not issue any further credit. I asked if I could escalate the case further and he said there was no process for doing so and indicated that if I had no questions related to other matters that he would terminate the call and hung up on me. Bank of America employee XXXX employee id number : XXXX While the {$35.00} fee may be buried in the fine text of the agreement and perhaps legal to the letter of the law this is nothing more than extortion and the bank taking advantage of individuals who have no recourse. If the bank paid the credit card bill and then turned around and charged me a fee for the service I could at least say there was consideration offered for the charge. This was nothing but an excuse to extort funds from individuals already under financial duress.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CO)

This is an erroneous collection by XXXX XXXX XXXX. This account was before the XXXX XXXX XXXX  XXXX XXXX XXXX district that was placed by XXXX XXXX XXXX filed in XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX transferred it to National Credit Systems XXXX the account number. 

The XXXX Judicial Court, in XXXX XXXX, MO, was not finished with the case when XXXX XXXX XXXX transferred my account to a collection agency. 

The case was dismissed by the court on XX/XX/XXXX, by the court XXXX. 

All this time up until now, I have been denied to rent an apartment. 

So I reached out to the courts this month XX/XX/XXXX to let them know what was going on. The court reissued an order of dismissal again on XX/XX/XXXX.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NH)

XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with XXXX, on XXXX I disputed this reporting, in writing, directly to Experian, XXXX. XXXX. XXXX investigated and deleted both the original and XXXX accounts. I waited for 3o days and resubmitted online disputes to both XXXX and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both XXXX and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.
Consumer complaint received 2020-12-18
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: AMERICAN EXPRESS COMPANY (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-07-14
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. (TX)

In accordance the Fair Credit Report Act 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. 

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 2015-10-22
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Empowerment Ventures, LLC (AZ)

there was suppose to be an update to the rushcard system on XXXX XXXX however there was a glitch and now I am getting charged a domestic POS fee every time I use my card which has added up to over {$35.00} in fees.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX should be the only address on my reports.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

My Experian report dated XXXX/XXXX/2016 reflects XXXX recent inquiries for credit facilities for which I DID NOT apply : XXXX, XXXX, and XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports with each of the XXXX agencies. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors (TX)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have requested verification or validation of this medical debt in question that's on my report. I have not received verification from the collection agency. It also appears that the collection agency did not report the validation or verification request to the bureaus as required under the FCRA and FDCPA. 

On XX/XX/XXXX I requested for the fourth time documentation including HIPPA release information about this debt.

I do not recall giving the original creditor permission to release my medical information. National Business Fact has failed to do that currently. I also still see on my credit report attached that has not been reported to the bureaus still as disputed I see multiple violations here and this needs to be public information. Please see evidence attached.
Consumer complaint received 2020-11-10
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. (IL)

I have numerous credit inquiries that are not recognized on my credit reports. I have sent letters to each credit reporting agency including XXXX, XXXX and transunion. I have no help and no reply as to what needs to be done. I would like them to acknowledge that these are fraudulent credit inquiries or at least not authorized by me and remove them. I even received one credit card for XXXX XXXX  that was applied for as well, the problem here is im a man why would i need a XXXX  XXXX  card for? I have several disputes that just do not get taken care of too.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hunt & Henriques (CA)

XX/XX/2018 RE : Hunt & Henriques XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX Acct : ending in XXXX Dear Consumer Financial Protection Bureau : I am writing in response to a debt collectors threatening letter, dated XX/XX/2018 ( copy enclosed ) about the above -referenced account ( XXXX ending in XXXX ) I have explained to the debt collectors demand, how I can not balance this request. Ive expounded on my position, as explained in my letter to Hunt and Henriques, XX/XX/2018. This is a permanent situation, not only medically, but because of our listed ages ; my wife will be XXXX in XXXX and I will turn XXXX in XXXX. In addition, our only source of income, as I explained to the debt collators, is Social Security and our pensions and my Veterans Medical Benefit. I explained to the debt collectors that we have no attachable income. My stated notice to the debt collectors is covered in the Fair Debt Collection Practices Act, 15 USC 1692c. 

( c ) In accordance the above-referenced act, I have asked XXXX ( twice by phone and once by letter ) and the debt collector twice by letter ( enclosed ), to cease and desist. 

In addition, I explained in detail and forwarded several copies of my wifes diagnosis of XXXX and how our finances are affected by medical charges and other financial obligations. 

I am asking that the debt collectors cease in their efforts to further contact me and to stop any attempt at legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2020-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I am currently working for the XXXX XXXX XXXX, and my loans are being serviced by Fedloan Servicing. I am working towards public service loan forgiveness. After receiving a statement regarding my payments, I asked for a detailed account summary. In short, over 3 years of payments are being labeled ineligible for the stated reason of payment not in full. Yet, the summary shows that I did make the exact payment amount and the majority of the time, I was on auto pay. Additionally, they are claiming a missing payment for XX/XX/2014, yet the prior servicer 's records show I made that payment. They now claim, the payments were " outside the window. " A cursory review of the account shows they are lying and prolonging my repayment. Those payments should be labeled as qualifying payments.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (WA)

Hi, On XX/XX/XXXX at XXXX XXXX XXXX I tried to open a discover bank application online and was prompted to call XXXX to " Let 's finish together ''. 
I was on the phone with XXXX in Utah for 55 minutes. He said that I had an outdated bank profile from XXXX for Discover Bank and he had to correct all of the information in it. 
I submitted 3 applications online for a discover bank account and none of them were accepted. The latest application # is XXXX. 
Eventually, he transferred me to XXXX who was very rude and dismissive. I would like for XXXX to review my call with her. She told me that she could not accept the verification code from me that she sent and dismissed me to get my application notarized. When I insisted on using a second phone number she agreed. She should have offered me that option before trying to dismiss me. 
She continued to be rude, inept, and condescending throughout the call and I had to request her supervisor XXXX. XXXX promised to forward my complaint and have someone call me today. No one called. I don't know if XXXX refused to assist me because of my ethnic accent or if that is just how she treats customers, but this is unacceptable. 
I have been unable to open a bank account with your company because of this and she wasted a lot of my time. The call time was 1.5 hours when it ended. 
I want to make a formal complaint and I still need help with setting up a bank account. 


Thank you
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hi I am writing to complain about this negative items I have on my report. I sent you a letter over 2 months ago. And I thought I was supposed to get a response from you, but I still haven't got any. So I came to this website to seek help. With the hope that this time you would take care of my issues and investigate those negative items that I have in my report. Here I am attaching the same letter that I sent you three months ago. I've been joining online forums about credit repair and consumer rights. That's how I found this website because I was told that this will help me reach your organization.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MA)

SWC continues to call me about an alleged debt to XXXX. XXXX never sent a final bill, and confirmed in person that my account was caught up once I returned their equipment. SWC has called an excessive amount of times, and has not submitted anything in writing, despite my request for them to do so. In fact, the last person I spoke to told me that they were not legally obligated to send anything in writing. I will not pay any alleged debt to SWC without written notice and verification of said debt.
Consumer complaint received 2020-12-18
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. (CA)

XXXXXX/XX/XXXX XXXX XXXX should not be reporting to XX/XX/XXXX ; Experian and XX/XX/XXXXinquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached XXXX 2 ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contactedXX/XX/XXXX as well as the bureaus to have these inquires removed however, I have not been successful.