davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (MD)

This is my XXXX complaint about actions of the Discover bank and account that I used to have in the past with them. My XXXX complaint was about disrespectful attention and harassment at work settings by hired attorney XXXX. I currently contacted the Executive office of Discover Financial Services. When my card stopped working at different places I requested to change my account and resend me a new card. They had changed my account and resended me a new card that I had never got in mail. I requested to to resend it again and no one respond me so far. Yesterday came to my work woman from Discover and its financial collection agency. I pay the card XXXX a month I requested to have online account ot save XXXX on money order and stamps they have n't bill me, I have n't received any paper statement with address of payment and the XXXX stands up too high payment based on my current income its over XXXX. I think everything is unrealistic. They also reported to the credit buraue I think that I do not have access to internet and card account to make payment. They just want to mess my credit and stopped all communications with me based on I believe racial discrimination of XXXX collection agency of my employment supporting XXXX of XXXX with prove of that card belongs to them and they will pay it off when will hire me. I am against of unwanted employment and actions that XXXX is taking for my personality discriminating me against desired employment and income and other factors which are happened with Discover financial at work settings. Please advise what I can do in that case. I mail payment but do not know if they are accepted and why they ca n't send me temporary card with online account or monthly statements with confirmation of my payments. I had never got the replaced card in mail and other mailings as well, only discrimination at work by XXXX agency hired to collect the debt. 
Please advise.
Consumer complaint received 2022-08-29
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. (MD)

After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped XXXX XXXX  for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of XXXX XXXX NO late payments. Ever. My personal assets are significant. I dropped from XXXX to XXXX In response to XXXX 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX I filed a dispute with Transunion to have an incorrect item removed. In XX/XX/XXXX the item was removed. However in XX/XX/XXXX the incorrect item was replaced back on my report. Since then I've sent in multiple disputes including supporting documents to have this fraudulent item removed. Still no luck, the credit bureau ( Transunion ) keeps saying that it is accurate. I've contacted the third party/parties which they're saying verified the information & they stated that they have no knowledge of this information. Therefore Transunion is falsely reporting this information & is lying about the verification. This item needs to be removed from my credit report immediately!
Consumer complaint received 2018-07-13
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. (IL)

I am a victim of ID theft. My personal information was compromised several years ago. I have constantly sent information to each credit reporting agency so they can block the inaccurate information from being on my report to no avail. I've filed a FTC report, police report, affidavits and etc. The information continues to be reported inaccurately.
Consumer complaint received 2017-08-30
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 (CA)

I initiated a dispute for seven charges. I provided Barclay my full dispute details. The fantasy football service through gamership was never provided. I laid out all the details for Barclay. They refuse to actually investigate. The representative spoke little English named XXXX told me that the charges were legitimate because they were online gambling. I told her that 's not what it was. California law allows fantasy sports as well as federal law but I never received the service. So I asked them to reinitiate the dispute process and faxed over updated information. They refuse to assist me or provided documentation as provided by their own policies and California consumer law.
Consumer complaint received 2022-08-29
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: Resurgent Capital Services L.P. (IL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 2022-04-11
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: Experian Information Solutions Inc. (TN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
EXPERIAN 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 XXXXXXXX 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 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

Received offer in mail with a sign up bonus of XXXX points for spending {$5000.00} in first 3 months. Met criteria, but never received bonus points. 

Contacted Amex via chat on XX/XX/21 and the rep verified that I met the requirements and would submit a ticket for them to resolve in 7-10 business days. 

Still had not received points, contacted via chat again on XX/XX/21. They said it was still being worked on and to check back at another date. 

Still no points. Contacted again on XX/XX/21. They said it was still being worked on. 

Still have not received after nearly 4 months since meeting criteria for sign up bonus points.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX XXXXXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2022-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I did a wire transfer from Chase Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX account on XX/XX/2022. He did not received the money and days after I canceled the transfer an he canceled too, expenting XXXX XXXX  XXXX refund the money to my account. It does not happen, and I have more than two months contacting Chase Bank and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX did not awnser Chase, and just respond to XXXX " the tranfer is pending ''
Consumer complaint received 2022-08-29
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. (TX)

Experian XXXX Department I received documents that XXXX sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature, And why is my wife 's alleged signature is on documents this seems to be made up documents on XXXX documents it states CONTRACT COPY No original contract with my signature nothing
Consumer complaint received 2017-08-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

In XX/XX/XXXX we subdivided the property creating two new properties with two new pan numb rd, different addresses, ... ... the deed was recorded for the new properties in XX/XX/XXXX. In XX/XX/XXXXmy loan was sold and that 's when the trouble started. Currently at the recorders office this bank has sold a XXXX loan to two different banks and I have a loan with them for XXXX. So anyone looking at my properties- it shows that I have somehow three different loans, on different properties. ... ... ..the XXXX XXXX XXXX has a loan of XXXX ... ... 
.The XXXX XXXX XXXX which is newly created parcel suddenly has two loans agains it from a different mortgager ... ... XXXX and XXXX XXXX XXXX for XXXX ... ... XXXX so somewhere these people that are selling my original loan are other stole XXXX ... ... ..or I just do not understand how come from only one loan that covered one property for XXXX now it looks like I owe XXXX XXXX dollars ... ... .so this bayview mortgage sold my loan to XXXX and XXXX XXXX XXXX ... ... ... so one address has bayview on it ... ... .and the other address has XXXX and XXXX XXXX XXXX on it ... ... ..different loans ... ... and I do n't know how to clear all these recordings that are being done against my two properties. I tried speaking with bayview and they finally sent me a letter last month saying ... oh your loan has been sold in XX/XX/XXXX... .. and they had 30 days to do it ... ... but never did it until this year ... ... ... they were aware when buying the loan from XXXX in XX/XX/XXXX that the property was subdivided and they were purchasing XXXX XXXX XXXX ... ... .and suddenly they went and recorded papers for a loan against my new property for XXXX when that money never exchanged hands ... ... ..so I need help ... ... ... ... .I am not getting any help from the bank ... ... ..I have been trying since XX/XX/XXXX to fix this ... ..than last year I paid an attorney and they took my money and never did anything ....
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (OH)

Formal Complaint and Opt-Out Request Regarding Privacy Act Violations by Early Warning Services Dear Consumer Financial Protection Bureau , I am submitting a formal complaint against Early Warning Services for egregious violations of the Privacy Act, specifically 15 USC 6802-6805. Upon thorough examination of the Early Warning report, I have identified and documented 211 instances where the company has violated privacy laws, involving unauthorized access to overdraft balances, withdrawals, deposits, and the unauthorized opening and closing of accounts.

Enclosed with this complaint is the detailed report, serving as evidence of these numerous privacy violations.

In addition to the complaint, I would like to exercise my right to opt-out per USC 6802. I request that my personal information be removed from Early Warning Services databases and that they cease any further use or disclosure of my information. 

I kindly urge the Consumer Financial Protection Bureau to initiate a comprehensive investigation into these serious breaches. The gravity of these violations necessitates swift and decisive action to protect consumers and hold Early Warning Services accountable for their actions. 

In line with applicable laws, I am seeking compensation for these violations, with a minimum of {$1000.00} per instance, as permitted under the Privacy Act. 

Your immediate attention to this matter is crucial in ensuring the protection of affected individuals privacy rights. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and enforcing the Privacy Act. 

Thank you for your prompt consideration and action.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of David A. Bader, LLC (OH)

I HAVE BEEN IN COURT AND JUDGE GAVE XXXX XXXX IN XXXX WIN OVER COURT HEARINGS THEY WENT ON PROCEEDED WITHOUT ME HAVING ATTORNEY TO HELP. AFTER REVIEWING ALL THE CASE I FOUND THAT IT IS NOT MY DEBT, HE DIDNT PRESENT PROOF ONLY PAPER THAT CREDIT CARD CO GAVE HIM. ALSO STATE OF OHIO STATUE OF LIMITATION IS 6 YEARS TO FILE THEY DIDINT GET JUDGMETN XX/XX/XXXX FILED THEN JUDGE GAVE JUDGEMENT XX/XX/XXXX BIENG OVER TIME LIMIT OF OHIO TO COLLECT DEBT
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (NC)

XXXX XXXX calls me every 3 minutes from different numbers. They also call my family that is not on the account with me. The earliest starts at XXXX to XXXX at night. I lost my job and try to work things out but it does n't stop the calls please help
Consumer complaint received 2022-08-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (TN)

i got my credit report from the three credit bureau and found there is three account that don't belong to me and a result of identity theft and fraud, two of these account is charge off account and one collection. these account are : 1- professional debt date opened XXXX amount : XXXX $ filing dispute for this account. 


2- ONEMAIN date opened : XX/XX/2018 amount : XXXX $ filing dispute for this account. 

XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/2018 amount : XXXX $ filling dispute for this account
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2020-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc. (CA)

I signed a contract on behalf on my company to engage a collection agency to go after debts that are owed to our company. They send over an outrageous bill to our company for debts that they were not able to collection. They are now threatening to go after me personally and have made numerous threats to destroy my good credit if i do not pay them. They are claiming that I personally guaranteed the contract because I inadvertently signed the agreement with the caption as personal guarantor. There is no agreement or consideration for me to be a personal guarantor of this false claim. 

The owner of the company uses a fake alias and has made XXXX-XXXX  remarks and threats to me and my partner. He has threatened to sue me personally and has disclosed private information about me to show that he has access to my personal and private information.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc. (GA)

Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I have been trying to apply for loan forgiveness programs since XX/XX/XXXX that I uploaded my first application. Uploaded second application in XX/XX/XXXX. On XX/XX/XXXX, I received a denial. I immediately uploaded the missing signature on XX/XX/XXXX and my paperwork was not reviewed but denied on XX/XX/XXXX. The October deadline is soon approaching. FedLoan has sold my loans to XXXX. I received documentation that XXXX should be servicing my loans by XX/XX/XXXX. They will not be servicing my loans until XX/XX/XXXX. I have tried calling FEDLOAN to see and get direction on what I am doing wrong, request a call back, they call me back and then transfer me to leave me on hold again sitting in que. It is IMPOSSIBLE to get someone to help me. 
I have been a XXXX for XXXX years, and have gone back to school several times during my career. How is it possible that I am going to be the only tenure XXXX that does not get assistance with loan forgiveness.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (PA)

I have an upgrade credit card. I called them twice to close my account. Each time they said they closed the account, and I will receive an email within 48 hours. However, I never received any emails, and they never closed my account. I have a gut feeling that this company is a fraud.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.