davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Apple sacs credit card reported never receiving payments my account was on autopay. After my XXXX was sold I had no way to access this card company account because it was XXXX only platform. I was not aware the card was being used and to my knowledge I had erased my information. From the XXXX however Goldman sacs calls me every day with new balances owed. The auto payments were taken out of my account but I somehow have a new balance of {$800.00} after disputing charges I wasnt able to access or see and talking to them the balance was at {$0.00} and closed. Now theyre reporting past due balance!
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (WA)

I was traveling in XXXX in XXXX 2015, where I decided to make some purchases. Prior to making the purchase I wanted to verify that my Chase credit card would not have any foreign transaction fee so I contact their customer service department to verify the information.. The customer service representative at Chase informed me that there will be no foreign transaction fee since I informed her that XXXX XXXX dollar is pegged to XXXX XXXX dollar ( meaning dollar for dollar ). The Chase service representative did not give a clear concise correct information when inquired about the fee. Based upon the now erroneous answer from the Chase customer service representative, I made the purchase using the Chase credit card. Imagine my surprise when I received the statement following month when there is over {$880.00} in foreign transaction fee from Chase credit card. I have requested from Chase to review the telephone transcript from XXXX XXXX, 2015 and credit my account for the errors attributed by their employee, but Chase has refused to do so. I have also requested copies of the transcript of the phone conversation I had with the Chase customer service representative on XXXX XXXX, 2015 but Chase also refused that request. I feel that Chase credit card is at fault for relaying the wrong and confusing statement and now they wo n't even release the transcript of the phone conversation because the truth will expose their fault.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I received an email from TD Bank yesterday thanking me for opening an account with them. I did not open an account with them and I do not have a previous account with them. The account numbers that it reported that I have were XXXX, XXXX, and XXXX. I contacted TD Bank today and alerted them about an account that was opened in my name. They directed me to you to report identity theft.
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank is refusing to let me continue making payments on my car even though I am ahead of my payments by 4 months. The car was impounded and the police never sent me anything in the mail to come and get it. Then TD Bank picked it up and are not allowing me to take my car back unless I pay for it in full. That is not fair. I have been making payments on time every month.
Consumer complaint received 2015-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Mortgage is reporting loan as Adverse on my credit bureau. I have been current for 7 years and I submitted a dispute with the credit bureau and Chase did not do change my loan to a positive status affecting my credit score. They have not updated my credit report since XXXX 2015.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

At the end of last year I looked into my public service loan forgiveness status as I have worked full time for the same non-profit for the last 9 years. I read on Fed Loans website that some of the loans I had were not eligible because they were in forbearance or differment. I had no knowledge of loans being in forbearance or differrent. The website stated to correct this I needed to apply for a consolidation. So I began the process. I revieved correspondence that said I could loose the credit I had already earned toward XX/XX/XXXX so I tried to stop the process. Further I got correspondence that my application was incomplete because I had not provided the appropriate references - my application was processed any way. The loans were consolidated - fastest process I have ever seen. I have NEVER experienced anything quicker from Fed Loan. Every year I verify my employment and wait almost the entire year or never to hear a status update. I then recieve notice that I lost all my years of credit toward PSLF. I have been on hold for over 2 and a half hours. My first call went in to Fed loan at XXXX - someone called me back about an hour later but could not see anything on my account- she tranferred me and here I sit on hold. I am angry and deeply saddened by this process. As I mentioned I have worked full time at the same non-profit agency for 9 years - this XX/XX/XXXX is a joke if all those years count for nothing. I would leave my number but- don't bother as I will most likely still be on hold with Fed Loan
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My wife passed away on XX/XX/XXXX and we were reliant on her social security and pension for our monthly income. Those income streams have now stopped so my monthly income is less than half of what it was. After paying rent I have no disposable income for this credit card payment. I contacted XXXX on XX/XX/XXXX and asked if they would consider reducing the 24.99 % interest rate so that I can reduce the minimum monthly payment and so that it will go towards principal repayment. They did not care about any personal hardship or the death of my wife and they would not agree to lower the interest rate. I want to do the right thing and continue to make very small monthly payments on this account, but I can not meet this obligation without XX/XX/XXXX assistance.
Consumer complaint received 2016-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paramount Recovery Systems, L.P. (SC)

someone has used my identity XXXX my identity was stolen to receive services and open several accounts they continue to try to collect and report negatively on my file an account that is fraudulent i have filed a police report report number XXXX and a notarized affidavit
Consumer complaint received 2015-08-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, I 'm extremely upset. I settled the debt in full and now has a XXXX balance and they refuse to send me my letter stating it 's been paid in full and send to Credit Bureaus that this dept now has a XXXX balance and has been paid in full. This is an issue, they are not doing what they should when a dept is paid. 

Please have them fix this right away. It 's affecting my family and i financially.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (NJ)

I have account with eTORO and i had a position for XXXX for XXXX units. They sold all my position and emailed said they transfer the money to my account in available fund but my available fund says " XXXX ". 

Total amount I invested was {$2000.00} but the market value today was {$6100.00} and they kept all money. 
I also warn them of unsual activities like asking to many things which they received it before when account was open. 

eTORO USA LLC XXXX XXXX XXXX, XXXX Floor XXXX, NJ XXXX Phone Number XXXX My Name : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ; XXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bull City Financial Solutions, Inc (NC)

I have a medical bill that goes back to 2012. The third party debt collector has not tried to contact me regarding this debt over all of these years. I have noticed that on my credit report that this bill collector is literally making inquires into my credit report every day. This is negatively affecting my credit score and I feel like this is being done purposely to affect my credit score in a vengeful way. I do not feel like this is legal due to the maliciousness of this action.
Consumer complaint received 2020-09-10
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. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (WA)

On XXXX XXXX 2016, I paid off the balance of my account of XXXX . At that point on XXXX XXXX I had a XXXX balance on the account. 3 weeks later, there was a finance charge assessed to the account of about XXXX . Thinking I had paid this off, I did n't use the account again and put that cred card in a drawer. 5 months later I get letter in the mail saying that they were closing my account and it was past due XXXX . They kept penalizing for a residual finance charge. I was never contacted about any sort of late payment by phone, text or email Every other credit card company I have ever dealt with has always contacted me and to let it go 5 months with out contacting me is crazy! Not only that but every other credit card company waves residual finance charges. I 'd have been more than happy to pay the XXXX finance charge, but they did n't inform me that they made a charge to my account ... by even something as a statement.
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted the credit reporting agencies via phone and mail to resolve the issue. Discharged accounts are still being reported on my credit report. Per IRS once the accounts have entered charge-off status and filed as discharged debt, it is now taxable income. INCOME CAN NOT BE REPORTED ON A CONSUMER PROFILE AS DEBT. There is a1099c form and the income is being filed on my taxes. 

In accordance with 15 USC 1681-E ( B ) each bureau has the responsibility of reporting maximum accuracy. 

This inaccurate information being reported to my credit profile is severely impacting my credit.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i requested all XXXX reports from XXXX website, XXXX & XXXX provided access to their reports but Trans Union did not. Trans union stated I would need to apply for it via U.S. mail & would receive it in 2 to 3 weeks so I did and waited for my report to come, instead of a report Trans Union sent me a form asking for everything but my DNA. Now it 's been a few weeks and I still do n't have my report. Trans Union is making what should be a simple process very difficult and time consuming.
Consumer complaint received 2021-12-28
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. (SC)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Real Time Group, Inc. (WI)

Company continues to call from various spoofed numbers from a local area code. I have asked no less than 3 times for them to discontinue contacting me, as the information they are presenting is not for an account that I recognize ( provided wrong address, wrong personal information, etc ). The information they presented to me for verification also does not match my actual information, leading me to believe they are fraudulent individuals attempting to harass me into divulging my personal information.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

remove collections from credit re. 
| Search in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NC)

On Friday, XXXX XXXX, 2022, my home was struck by lightning which started a house fire. As a consequence of the fire, my family and I were left XXXX  and living at a XXXX. On Monday, XX/XX/2022 at XXXX XXXX  EDT, I spoke with a representative of Credit Acceptance and explained the situation. I told them I would make a payment as soon as practicable. Later that day, robocalls and direct voice message calls began occurring from Credit Acceptance. 

On XX/XX/2022, I was advised to monitor calls made by Credit Acceptance and note the time and date. I was also advised to inform them again of my situation and clearly state that with regard to the Fair Debt Collection Practices Act, they should not contact me again for at least seven consecutive calendar days and to note the time and date of this conversation. 

Between XX/XX/XXXX and XX/XX/2022, Credit Acceptance placed thirteen calls to my phone, twelve of them occurring between XX/XX/XXXX and XX/XX/XXXX. I spoke directly to a Credit Acceptance representative on XX/XX/XXXX at XXXX XXXX  EDT, once again explaining our current hardship situation. Calls began again at XXXX XXXX  on XX/XX/XXXX, less than 48 hours later. 

On XX/XX/XXXX at XXXX XXXX  XXXX, I placed a call to Credit Acceptance and notified the representative that Credit Acceptance was violating the Fair Debt Collection Practices Act by willfully harassing me through sheer volume of calls, as well as placing repeated calls well within the seven-day window following a discussion about the debt. The representative stated that I would continue to receive calls until I paid the debt because it was how their system was set up and that it was company policy. I informed the representative on the recorded line that if I received another call in fewer than seven days, I would be lodging a complaint against Credit Acceptance. 

On XX/XX/XXXX at XXXX XXXX, I received a call from Credit Acceptance. I notified the representative that the call violated the seven day clause of the Fair Debt Collection Practices Act 12 CFR 1006.14 ( b ) ( 2 ) ( ii ) and that I would be filing a complaint immediately.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to XXXX and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to Experian. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to XXXX a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.