davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (NY)

I have been denied by over 160 rental applications. XXXX, XXXX and Equifax are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX XXXX and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 2022-06-13
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Act XXXXT XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2022-09-15
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: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2022, my TD credit card was hacked. Someone made a fraudulent transaction for {$2300.00} to XXXX XXXX. I notified TD bank and filed a dispute for this charge. 

On XX/XX/2022, I received a credit on my new TD credit card for {$2300.00}. It was then reapplied saying that I affirmed the transaction. I have written and called TD bank several times with no resolution. I did not make this transaction. 

Fraud Hotline # XXXX My case number is XXXX
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

In XXXX, XXXX ; JPMorgan Chase provided information on a separate, individual VISA account I had ; and XXXX other credit cards issued by Chase to an attorney who stated he was representing me ; that I " was ill, and not able to handle my credit cards accounts '', and Chase provided 8-9 years of credit card data to him, and my estranged wife. 
This was unbelievable to me ; because despite having a credit limit of {$46000.00} ; the minute I'm out of California, Chase won't even approve a {$50.00} charge without contacting me. 
But- with no contact, they provided this data ; and changed my mailing address in violation of the Credit Card Act of XXXX  ; to the address of the attorney. 
Chase merely sent me a form letter two weeks later confirming they had taken this action, " in response to requests from my attorney. '' I believe action should be taken against all three individuals, and I have requested Chase provide me with copies of the correspondence which started this action, and to date, they have not provided it. 
I desire personally to proceed against the attorney and my estranged wife, but need copies of this correspondence.
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2019, Paypal sends me an email that they are about to close my account and hold my funds for 180 days. I asked them for reason, but they are not answer the question. The reason i am using PayPal is to sell some kinds of stuff that were not about to use or send money to my friends. However, the things that I sell have great feedback and did not have any disputes. Paypal try to shut down my account and my funds for 180 days. I try to contact them and they hung up on me. Also they were rule went i try to tell them that i did nothing wrong with their service. Please help me out, I need my funds back to pay for rent and future.
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX to dispute a collection account on a credit report that I settled on XX/XX/XXXX. I wanted to know information on my account the person I spoke to told me she couldnt give me any information on the account because an outside law firm was handling it called XXXX XXXX. 
On XX/XX/XXXX at XXXX I called the law firm of XXXX XXXX and talked to XXXX XXXX transferred me to a different department and I spoke to XXXX XXXX Ext. XXXX she told me the account shows a XXXX balance and I asked her what do I about getting the account closed and settled because its showing I still have a balance of {$550.00}. Then she told me that theyre a law firm and XXXX XXXX XXXX, XXXX does the credit reporting and told me to call them back, but she did email me the receipt which shows a XXXX  balance and the account is resolved. 
Then on XX/XX/XXXX at XXXX I called XXXX XXXX XXXX , XXXX again and spoke with XXXX  XXXX and the number XXXX. I asked her about my account and she told me I have to call XXXX XXXX that they have the debt. Then I replied I just got off the phone with the offices of XXXX XXXX ( and that kinda surprised her ) and they told me to call XXXX XXXX   XXXX, XXXX and I told her the offices of XXXX XXXX said theyre a law firm and doesnt report to the credit bureaus. Then XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns XXXX XXXX. Then I asked why cant I have any information on my account then. Then XXXX XXXX transfered me to someone else. 
Then I spoke to XXXX XXXX and her call back number is XXXX. I was basically told the same that they cant give me any information on the account I have to call The offices of XXXX XXXX. Then I told her well XXXX XXXX told me that XXXX XXXX XXXX, XXXX owns The offices of XXXX XXXX then I was put on hold. 
Then I talked to office manager XXXX XXXX from the start she was very and defensive. She told me straight that they only report they only report what was paid and I told her that I settled it so it shouldnt show a balance and that is what is being reported to the credit bureaus. And she told me that Im the defendant and they are the plaintiff and they are not the credit bureaus. Then I said it doesnt make sense the credit reports says a collection account from XXXX XXXX XXXX, XXXX thats on the credit reports something is being reported wrong. Then she just told me she would go to the back and look into it and havent seen any changes or heard anything. 
And note that this wasnt the first time I called I called lots of time telling me they couldnt give me information and the time I refuse to just get blown off I was treated very rudely.
Consumer complaint received 2019-03-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX, American Express requested a {$200.00} payment from my XXXX checking account. On XX/XX/XXXX, American Express charged me {$27.00} for a returned payment and I was also charged a fee at XXXX. My XXXX representative and I called American Express to request if they could stop automatically sending requests to my bank account, because each time this happened without sufficient funds, be it for {$1.00} or {$100.00}, I would be getting charged fees on both ends. My XXXX rep was willing to work with me, while American Express was not. 
American Express communicated that requesting payments from my bank was out of their control because it occurs automatically and there is no way to stop it. Customer Service at American Express claimed that it was unable to involve itself in the process. 
American Express made no attempt to help me with this, and as a result, regardless of how much the amount could be, I would potentially be charged multiple times by my bank because American Express claimed that it has no control over a system that is automated. My bank was willing to work with me for these charges, but American Express, who could have worked to prevent these payment requests from recurring, was not able to offer any other solutions. 
Just to illustrate, let 's say that the payment request to American Express is {$1.00}. If I have a negative balance of - {$2.00} at my banking institution, and they reject the merchant 's request, I would still be charged {$27.00} at American Express. Even if escalated, based on what the customer service rep communicated, they would not be able to stop the future merchant requests for {$1.00}, no matter what.
Consumer complaint received 2018-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cadence Bank (AL)

I have been working with corporate customer service with BancorpSouth during XX/XX/XXXX and XX/XX/XXXX.  They refuse to follow guidelines clearly outlined in the FHA handbook regarding our FHA loan. 

BancorpSouth refuses to follow guidelines from the FHA handbook on our mortgage. 
Page 591 of the FHA Handbook 4000.1 allows banks to drop the PMI premium at the borrower 's request. We have requested this a number of times but BancorpSouth reports that if they do it for us they'd have to " do it for everyone. '' I spoke with a number of people up there including XXXX XXXX who is their customer service manager.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX  ACCOUNT NUMBER 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXX XXXX Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX Information balance is  {$140.00} and was posted XX/XX/XXXX 16
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I have been receiving REPEATED calls from different numbers from the same company, each time I blocked the number, they would call from a different number for roughly the last 10 days now 3 or 4 calls a day, no messages were left until last night @ XXXX. I received a lengthy message for someone that does not reside at my house. 
The lady on the message stated that if the customer ( by name ) did not return her call by XXXX this day she would assume that they were ignoring their repeated attempts to contact them and would seek the 'NEXT STEPS '. I still have the message saved in my voice mail.

I called the number XXXX XXXX left in the message and explained that I did not appreciate the repeated calls to my number with NO MESSAGES left, That her message was the one and only I had received and the person she was looking for does not even live at this address and her message was in Violation of the Fair Debt Collection Practices and XXXX  Privacy Notice. She said she was sorry but this was the number provided, I stated maybe she should have verified the number or verified who she was speaking with before she left all the information on my VM. 
That if anyone had left a message prior to her, I would have called sooner and let them know that who they were looking did not live here. I told her to remove my number from her records, that I do not have any business or accounts with them and I would be filing a complaint with FTC.
Consumer complaint received 2017-05-25
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XXXX XXXX XXXX I bought a brand new XXXX from a Toyota of XXXX XXXX XXXX through Toyota Finance Service ( TFS ). The car turned out of a brand new - it is UNWIND. So I returned the car on XXXX XXXX XXXX because the dealership did not tell me it is UNWIND car for some reason. The dealership told me I should get my money back within 2-3 weeks and told me not to pay my second payment. On XXXX XXXX, I got a phone call from Toyota Financial Service ( TFS ) about my payment. I explained to customer that the deal was cancelled and I should got my first payment back. On XXXX XXXX XXXX, I got another call from TFS, I explained to her again, then the phone call was forward to Customer Resolution (? ). XXXX XXXX told me she will report to Credit Report as Volunteer Surrender within 24/48 hrs. I have asked her to call the dealer to confirm the fact. She told me she does not have their address and phone number. I have to provide that to her. This info should be in the loan docs. I have to search and provide her that. She told me to get the proof that the car was previous owned. I told her I dont have this information because at the end of XXXX, the dealership asked me to sign DMV paper again because I have not received the license plate. He asked me to sign a paper that stating the car was previously owned because it is UNWIND. I told him no and he left the office more than 10 min. so I left the dealership and then email my salesman that I want to return the car because it is not new for my son. My family is very upset that they sold me previous owned car. I have requested XXXX XXXX to email me when she will put bad credit report on my report. As of now, I got nothing from TFS.
Consumer complaint received 2019-03-21
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)

For the last year and a half, I have been trying to get a completed copy of my credit file from Equifax. They will only send me a copy of the results from my dispute. They have refused to send me a completed copy of my credit report. I have called many of times informing various Equifax representatives that I am unable to access my report online. Only for them to tell me that there are no collection accounts on my credit file. I have asked to receive a complete copy of my credit file and was told it will come in the mail. It never came in the mail. My last call to them I informed them that XXXX XXXX is reporting 3 fraudulent collection accounts on my credit file. I was told by the representative that these accounts are not showing on their end. I believed them. They also told me that they will escalate a ticket to see why I can access the online report. It keeps telling me my information is not correct. Well, I was finally able to log in yesterday. The 3 accounts that were showing on XXXX  XXXX  are on my credit report and the Equifax representative all led to me when they convinced me that the XXXX XXXX report was outdated or incorrect. I feel that this is unethical and downright illegal to tell me its not on my file so that I can't dispute it as I did with the other 2 agencies.
Consumer complaint received 2019-11-17
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: JPMORGAN CHASE & CO. (CA)

I initiated a transaction on XXXX website. They allowed XXXX to bill my credit card for a total of {$590.00} of which {$170.00} itemized as " Integration Additional Costs ''. 

I called XXXX and XXXX to find out what these charges actually represented and I was told both by XXXX and XXXX XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) that they could not account for or identify those charges and that it was perfectly ok for me to request that the charges {$170.00} be removed by Chase. 

Unfortunately, even after talking ( conferencing the call ) with both XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) and XXXX, XXXX, XXXX, XXXX, XXXX ( Chase Fraud Dept. ), XXXX, XXXX and XXXX from Chase Dispute Dept and XXXX ( Account Supervisor from the Chase Dispute Dept. ) none of them would remove those charges from my credit card. 

Maybe XXXX and XXXX are charging many customers these charges only to be told by their cc issuers that that can not be removed. 

XXXX from XXXX ( ( XXXX ) XXXX ) has no idea of where these charges came from : ( Integration Additional Costs, ( FIN, SER, RES, DAM : {$170.00} ) XXXX from XXXX spoke to XXXX : Supervisor ( XXXX ) XXXX ) from XXXX and verified that these are Not legitimate charges and should be removed from my credit card.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDMAN SACHS BANK USA (CA)

My Online Savings account with Goldman Sachs Bank USA ( under the brand name Marcus ) was opened on XX/XX/2020. The account was funded on XX/XX/2020. On XX/XX/2020, I found that online banking access was blocked, and I had no access to my money. I was shocked because I never received prior communication ( neither email nor letter ) regarding this block. I did not know when the account got blocked, because I did not use online banking very often to check balance. On XX/XX/2020, I called Marcus Customer Service, I was told that someone from their Specialist Department would call me within 24-48 hours. Nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent put me on hold for half an hour, and she promised that the Specialist Department would call me within 24-48 hours. I insisted that I could hold in line to wait for the Specialist Department to have time to speak with me. I was told that the Specialist  Department was busy. Then I offered to make an appointment for their best time for the call, because the Specialist Department already failed to keep the promise. I was denied of such an appointment, and the agent guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist  Department would call me within 24-48 hours. As I had expected, nobody called me, and account was still blocked. On XX/XX/2020, I called Marcus Customer Service again, I told them that I expected to have received a call from them, but nobody called me and account was still blocked. The agent promised that the Specialist Department would call me within 24-48 hours. I told the agent that the same thing had happened twice before, and the Specialist Department had failed every single time. The agent again guaranteed me that the Specialist Department would call me within 24-48 hours. As I had expected, nobody called me, and account is still blocked. My account is still blocked, and I still have no access to my money. For the duration of two weeks, I called Goldman Sachs Bank four times, but to no avail. Their Specialist Department never called me, and never unlocked my account.
Consumer complaint received 2019-08-28
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. (AZ)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.