davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My wife has opened a capital one credit card, and added me as an authorized user, but then i got myself off her card, and theres still a missed payment showing on my XXXX credit report from my wifes card.
Consumer complaint received 2023-03-31
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of 2022, a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$9700.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANCO POPULAR DE PUERTO RICO (TX)

I applied for a credit card and was approved prior to XX/XX/2019. After activating the card received in the mail, I found there was a freeze on the card. I called the issuing bank and was told I need to verify my identity by submitting documents via email. I promptly complied. I have since been sent a bill from the issuing bank for the {$140.00} annual fee on the card that I promptly paid. Tried using the card a week later and charges are still being declined. Called the issuing bank again and they asked for the documents to be emailed to them again. I promptly complied. It has been almost 1 month since I opened the account and was charged/paid for the annual fee and I still have no use of the credit card whatsoever. No contact has been attempted by the issuing bank to resolve the matter and I have been charged/paid for a card that does not work. I was also entitled to a bonus offer where I must spend a certain amount within 90 days which has been shortened to 60 days because of their inability to unlock my account. I have no issues with this bank, my credit history, or any lender/bank and find this behavior to be unfair to the consumer. I've paid for something that can't be used and not been given a chance to earn the same bonus offer as other consumers with the exact same card and offer.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servis One, Inc., Titusville, PA Branch (FL)

XXXX XXXX XXXX has been reporting inaccurate information to credit reporting agencies, in regards to my Mortgage account. This issue has caused me troubles trying to refinance my mortgage for a better rate. They have been reportinting illegally 120 days late for XX/XX/XXXX and XX/XX/XXXX and inaccurate amount of the loan for more than {$50000.00} in excess. I have tried to solve this problem directly with them but They haven't corrected such information.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CO)

I traded my auto in, that was financed by TD Auto Finance, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) XXXX is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
Consumer complaint received 2022-06-15
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. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX wrote a check ( check XXXX dated XXXX in the amount of {$680.00} payable to XXXX XXXX XXXX XXXX ) as the XX/XX/2022 maintenance payment to the cooperative unit where I lived. The check was mailed via the post office to the cooperative 's property manager : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The check was altered en route to have a certain XXXX XXXX  XXXX as the payee for {$7600.00}. I informed JP Morgan Chase that I did not write that check to that payee for that amount. The checking account was closed and a new one was opened. I was given a form to fill ( " Declaration of Unauthorized Endorsement or Altered Item '' ) which I submitted on XXXX. I also filed a complaint with the post office and police precinct on XXXX and was provided a police report on XXXX. I have requested the property manager to attest to the XXXX payment that was missed and that it had not authorized the window installation work reflected in the fraudulent check. I ended up cutting a new check for the original amount of {$680.00} that I owed the cooperative. I submitted all of these documents ( copy attached ) to the bank and was informed to wait 60 days for this matter to be investigated and resolved.
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ASSOCIATES, INC. (OR) (WA)

XX/XX/2019 - I called to let them know this debt is over statue of limitations as I have not even lived in this particular city in over 13 years. I was told that is not the case and that it is owed and that there is no statue of limitations on this debt. I told them I dispute this debt and that I am not admitting I owe the debt and was then told they would verify the debt and send me the proof.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NY)

My credit card had few unauthorized charges on my credit card. I have disputed them immediately online and by mail. While dispute was reviews it accumulated late fees and finance charges. Finally after long time dispute was resolved in my favor and all late fees and finance charges were reversed. However late payment was reported to all credit agencies which is not true as I was never late for payment.
Consumer complaint received 2019-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Navient runs circles around you and makes it impossible to payoff your loans. I am trying to allocate my payments to my loan with the higher interest rate, as well as pay more to work toward paying those off first. 

I have been on the phone for 1 hour and no one can explain to me how to do this. 

IE if I pay more now, it will be received as an overpayment and push back my next payment cycle. 

It is mind-blowing that I can not pay more to pay off these loans. They obviously just want me to keep paying off interest.
Consumer complaint received 2023-04-05
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am an XXXX practicing in XXXX and XXXX. I was admitted to the XXXX   approximately 35 years ago. My experience with HSBC has been singularly unsatisfying. 

Around the end of last year I read an article in one of the financial magazines which listed the HSBC card as one of the best interest-frees cards available. I am working towards my XXXX XXXX XXXX. I applied for the card because I thought I would put my XXXX expenses on the card until I obtained my license and then pay off the balance before the end of the interest-free period. 

I applied for the card. I heard nothing so I followed up. I was told that they could not verify my identity so nothing was done. It would have been nice to know. Instead I was never informed. I was told to apply again - which I did. 

Again, after much time I received an email saying that my application was granted and that a card would be mailed to me. I never received the card and attempted, unsuccessfully, to follow up. I heard nothing until I received a fraud alert on the card. I never received, activated or used the card. I contacted HSBC and filed a fraud claim. I received a letter denying the claim ( for reasons I do not understand ). On the same day I received a letter from HSBC asking me to fill out and return a fraud complaint. I did this and have heard nothing. 

I canceled the prior card and was issued a replacement with a {$1500.00} credit limit. I have a higher limit when I was 18. Based upon my experience thus far with HSBC I did not activate the card. 

Last week I received a letter claiming that my application for an increase in the credit limit was denied. I never made this request. As stated, I have the card but never activated it. 

Yesterday I received a bill from HSBC for the fraudulent charges in the amount of {$1000.00}. Have not contacted HSBC again. Instead I am filing this complaint hoping for a resolution of this matter.

By their action I can only assume that HSBC is accusing me of fraud since they apparently do not believe my statements made to them regarding my non-use of the card. This is quite troublesome.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Repair act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2019 XXXX XXXX XXXX XXXX On XX/XX/2019 I decided to apply for Chase Cash Wise Credit Card. After applying for XXXX. Upon resceiving my credit card I tried to activate it and was told that my account was closed ; Supposedly because I have a poor credit history which isn't true and I feel I have been discriminated. I have had a credit card history for over 13 years with not a single late payment and always paid my debt. The other problem I have is they have lowered my credit because now on my credit report it shows that I have opened a credit card and it was closed from the credit grantee which will affect me in doing business with other banks. This type of bad business practice should be stopped. They need to do the work before approving then deciding to close it while card is on its way.
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Benjamin Chaise & Associates (MI)

I have a debt from XXXX, which I was XXXX for and also filed bankruptcy upon release in XXXX. 

I provided proof of XXXX  in XX/XX/XXXX and today XX/XX/XXXX. I called and asked why I was still receiving collections and Benjamin chaise and associates told me they were still coming after me they did not care about the bancruptcy they would keep coming so pay my XXXX bill.
Consumer complaint received 2019-09-20
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. (FL)

The following inquiries on my report are fraudulent and were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX. 
XXXX XXXX VIA XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX OFFLEASE ONLY VIA XXXX OFF LEASE ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO : XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUES TO REPORT ON THIS CREDIT REPORT WHEN THESE COMPANIES WERE REPORTED AS FRAUD FOR UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER.
Consumer complaint received 2023-04-05
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)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery associates does not obtain a legal license to collect any debts in newyork state they have illegally attempted and has illegally impacted my credit score which has caused XXXX and extreme mental stress
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-05
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2019-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I have accrued $ 500+ dollars in rewards and I would like to close my account. XXXX and Citi will require me to forfeit my rewards to close my account. I would like the interest earned to be disputed to me upon my account closure.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and there is no third party involved in the process. This complaint is for false reporting of misleading information.
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Early Warning Services, LLC (IN)

- XX/XX/2018 Tried to place a security freeze with - XX/XX/2018 Received response from Early Warning stating that since they are a specialty agency that they don't have to place freeze - Sent a dispute for various accounts dated XX/XX/2018 have yet to receive a notice or results or an updated copy of report
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC (AZ)

I am writing to request this company to cease and desist. I do not owe any money XXXX due to the following : 1. There was fraud committed on me by a online thief.

2. This was reported to XXXX and it went to their fraud department. 
3. A police report was filed because a fraudulent check was sent by online scammers. 
4. XXXX cleared the check before they verified that it was real, which it was not. Then XXXX returned the check days later. 

I am the victim of fraud and submitted all evidence to XXXX and to XXXX Police department. This collection company needs to stop harassing me and stop this illegal collection that I do not owe.