davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
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. (GA)

I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. Some accounts have been removed but there are a few left on there i have attached an ftc report and the company already have a copy of my police report
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Unfortunately, I was scammed. I was purchasing a bag from a seller on XXXX. The seller asked me to text them if I was serious about purchasing. I was. We texted back and forth and so I ended up paying for the bag through XXXX and then paying part of it through Chase XXXX. Reason for two payments was because seller said XXXX takes too much of their earnings so I said I could split two payments to show I was an honest buyer. Turns out it was a scammer. I never received the bag. Yes, I have contacted XXXX. I will be able to recover the funds I paid through XXXX  but I would like to recover my funds from XXXX. I contacted the Chase Fraud department. They said they would look into the situation and get back to me by sending me a message through my account. This was on XX/XX/XXXX. I did not hear or receive anything so I called them today, XX/XX/XXXX. They told me there was nothing they could do.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

I finished XXXX school XX/XX/1998 with XXXX in student loan debt. I was told by Navient XXXX then XXXX XXXX ) that I was ineligible for IBR and would have to put the loans in forebearance during my training. When I finished my training, my loans had ballooned to almost XXXX. Payments were then being allocated strangely to future interest and when I called they could not explain this. These people are criminals.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

I have always made more than minimum payment due and always made all payments on time. On or around XX/XX/XXXX this year I accidentally submitted two payments the second of which led to insufficient funds being available and a returned check was issued. The payment that did go through was for {$500.00} the second that did not was for {$400.00}. A week later I made a payment for {$350.00}. I make 3-4 payments per billing cycle. I utilize no more than about 25 % of my credit limit.

I have abided by all requirements in the agreement and although I understand Citi can close the account if it so wishes, the effect on my credit score is damaging and I dont think the reasons Citi claimed warranted closing the account on top of a fee for the returned check. 

The supervisor I spoke with simply said " Citi just felt is was time to close the account ''. I am not sure how making all payments on time backs up his opinion.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Since the courts do not report bankruptcy to the three ( 3 ) credit bureaus, they acted on their own. I previously requested A Method Of Verification of this account that they deemed as verified. Who was the person in whom they spoken with, and for any documentation to support theory. Including dates and times, Also in addition, In accordance with the FCRA, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account should be removed immediately ; ( 1 ) US Bankruptcy, 15 USC 1681 Section 602 ( e ). states I have a right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( 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 than seven years. 15 USC 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 the information is in accurate. I'm demanding that the accounts above be removed and deleted immediately.
Consumer complaint received 2021-07-15
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: CAINE & WEINER COMPANY, INC. (TX)

On XX/XX/2021, XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CT)

I called Suntrust and asked why there was a {$15.00} fee on my account. They told me that it was because they faxed a payoff to someone but could not tell me who. This is ridiculous that they just provide my info to anyone that calls in, and can not even tell me who it was.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I went on line with XXXX because of the major each and spoke with their representative on XXXX XXXX, 2017 THEY confirmed my information was included in the widespread breach. Because of this I am filing a complaint against Equifax.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (TX)

My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in my report.
Consumer complaint received 2021-03-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Persolve, LLC - Legal - Series 2 (GA)

Persolve Legal Group Partial Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX This company call me in XX/XX/XXXX insisted that I pay the balance or they will put this on my credit report and make my score go down. They said if I want to avoid this just pay them. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Az XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - XX/XX/XXXX XXXX : paid in full
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I contacted the customer service at the phone number indicated on my bill ( XXXX ), to dispute a late charge that was on my most resent billing statement. The agent, named XXXX? Indicated that there was nothing she could help me with. I asked for the supervisor and was transferred to XXXX ( Agent ID XXXX ). The supervisor also told me that there was nothing that could be done. When I asked to escalate, that supervisor began to laugh at me and I also heard laughter coming from the co-workers in the background. Hearing all the laughter over the phone I stated that I felt this was an unprofessional response and asked again to have my issue escalated. I was told that there was no one higher that could assist me. At this point the supervisor disconnected my call. 

Date was XX/XX/2018 at approximately XXXX XXXX XXXX XXXX was {$25.00}
Consumer complaint received 2021-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a {$120000.00} check into my savings, but when I checked the bank account it is missing! I Looked at my receipt and it is NOT my account # that it was deposited into! I called the bank and they refused to help me unless I came into the branch to file a document and even then it would take days to get resolved! I told them they made the mistake and I want my money, and I am not driving back to AZ to their branch to fix it, they need to fix and transfer!!!!!!! They told they would call me back and now they will not answer the phone or call me back and my money is missing!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Fraudulent Activity! 

I have called up Chase and got the run around on separate dates ; XX/XX/2021 XXXX ( STOLE ) {$5000.00} XX/XX/2021 XXXX ( STOLE ) {$400.00} XX/XX/2021 XXXX ( STOLE ) {$190.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} XX/XX/2021 XXXX ( STOLE ) {$1000.00} Totaling {$7500.00} After I saw these transaction, I called XXXX. No support service, just automated messages that didn't pertain to anything I needed. Set email after email ( I HAVE PROOF and PHOTOS of all these CLAIM # 's ) NO RESPONSE, Just automated messages that say go to the account. No one messaged me and there's no way to the account. 

As I tried, XXXX has my old phone number and it was impossible to receive SMS texts. I verified ( WITH PHOTOS INCLUDED ) my newest number. Yet nothing happened. I had to text my old phone number for the codes. ( HOW EMBARRASING with PHOTOS ) Once these codes were placed nothing happened. My {$7500.00} was wiped from my account. 

I contacted Chase and created a claim because my money was stolen from me, they just denied the claim because I did recent transactions in XXXX with them. AGAIN, THEY STOLE MONEY OUT OF MY ACCOUNT. Out of no where, I get a {$410.00} unauthorized credit to my Chase account. 

I AM STILL MISSING A STOLEN {$7000.00} CHASE denies any responsibility and I am left with no protection. I filed a Police Report, I filed to the XXXX 

I have no protection from my Bank. XXXX doesn't respond XXXX # XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 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 2022-09-13
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX 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 XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MO)

they added an electric bill on my account and it was paid as agreed back in 2018 and it was removeds from my credit and the current collection i paid and they removed it and just the other day it was back on there with a new debt buyer..SO PLEASE DELETE THIS IMMEDIATELY!!!!!!!!!!!!!
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OR)

I had a XXXX balance on my XXXX XXXX  store credit card provided by Community Bank. Knowing I hadn't spent anything, I didn't make payments in the subsequent months. 

It turns out, on XX/XX/2022 they charged me a {$1.00} minimum interest fee which they apparently do when you have a XXXX balance. And when I didn't log in to pay the fee I had no knowledge of, on XX/XX/2022 they charged me a {$12.00} late fee. 

I continued to not know these charges were happening, until I ran my credit report just now and it's dropped by over 200 points because this is now a {$13.00} non payment mark on my credit report. 

Having not paid the {$13.00}, I was then charged a {$26.00} late fee on XX/XX/2022. 
This practice is ludicrous and predatory- for what other reason than to trigger late fees/additional profit for Comenity would they do this? This is now going to significantly impact my ability to buy a home.
Consumer complaint received 2020-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

In XX/XX/2020 I disputed the XXXX XXXX  entry reflected on my credit reports with Equifax and XXXX  Credit Bureaus. Both bureaus alleged that XXXX had verified, yet not validated the debt. To that end, in XX/XX/2020, I sent XXXX a dispute letter requesting debt validation ( See attached copies ). XXXX is in receipt of the letter due to me not ever receiving it back as returned or undeliverable ; however, to date, they have opted to not respond. 

This is a blatant violation of my consumer rights given XXXX never sent me a dunning letter prior to inserting this derogatory entry on my credit reports. I have never done business with this company. Additionally, the reporting among Equifax and XXXX  differs. The continuous negative reporting of this entry on my credit reports does not reflect my creditworthiness and has led to me being denied credit. 

Since XXXX did not provide : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt How then are they reporting this information as if it is accurate? 

I am requesting that this entry be deleted/removed immediately from my credit reports due to their failure to follow FCRA, FDCPA, and FDBA.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

An unsolicited .S. Bank Visa " XXXX '' for unemployment benefits from the state of Ohio was sent to me in my name. The card was received on Friday, XX/XX/2020. Upon receiving the card I tried to contact U.S. Bank numerous times by phone and online and could not reach any one.
Consumer complaint received 2020-07-20
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also
Consumer complaint received 2018-06-28
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. (IL)

XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in XXXX XXXX and Experian.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (MD)

I do have Equifax Complete Family Plan. I am trying to add my children to Equifax Child Monitoring. I tried to add them via online, I got message that " We need some more information Youre taking steps to help better protect your family members. Because a credit file for already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. 

Please call our customer care team at XXXX ( XXXX ) and get started today. " I called around XX/XX/XXXX, I was told fax to Equifax ( Copy of DOB, Copy of SSN and My Driver License. 
I faxed them XX/XX/2021, I called 3 week later, i was told they can not find FAX, send it again. 
I faxed them on XX/XX/2021. 
i called week later, I talked to agent and confirmed they received Fax, and i was told, they will process and call back later 5 business day. I called again XX/XX/2021 approx XXXX I was talking to XXXX , He was unable to add them to Child monitoring system, He submitted Ticket. I got Case # and was told 7 to10 bussiness days. I called XX/XX/2021, Talked to XXXX and same problem, they can not add them then i asked for Supervisor, His name is XXXX, He was telling me He will email to Techanical Team about this issue. He gave New Case #. i was told wait again 7 to10 business days. 
I was trying to add my children to child monitoring via Equifax website. I was getting same message. I called XX/XX/XXXXapprox XXXX, I was talking to XXXX, he also can not add my children to child monitoring. I ask for Supervisor. Supervisor name is XXXX. 
After 1hour and 30Mins, I got new case #. 

I am really tired with this type of service. I am paying for Equifax complete family plan. still I can't use.