davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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. (AZ)

I have been in active communication with Experian credit reporting agency in regards to multiple identity theft items that are appearing on my personal credit report. 

I have provided Identity Theft Letter from the FTC website along with a police report to verify that my identity was stolen. 

Just as I begin to make progress with reaching a resolution, yet another item is fraudulently placed onto my personal credit report that does not belong to me. 

So it seems as if items are just being randomly being placed onto my personal credit report without even being verified. 

Recently I noticed another item being placed onto my personal credit report that does not belong to me, it does not identify what it, I know that it does not belong to me.
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BBVA FINANCIAL CORPORATION (CA)

I opened BBVA credit card through their customer service in XXXX. I have been told I can got 50000 points after 4000 spend plus 10000 additional points after my first use my credit card equal total 60000 points in 3 months. I finished their Spending requirement. Then I just received 50000 points only. I called customer service they said the 10000 points ending in XX/XX/XXXX. They cant give me these points. I felt so disappointed about BBVA. If you cant offer me, you should tell me before I apply. So I think they said that, they should honor it.
Consumer complaint received 2020-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want these items removed i sent a attached a police report XX/XX/XXXX2020 for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX XXXXnquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank Merchant XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I received an alert from XXXX that a JP Morgan Chase credit card was delinquent for {$19000.00} with account # XXXX which was opened in XX/XX/XXXX in my name. The aforementioned account had an address of XXXX XXXX, XXXX, MI XXXX associated with the fraudulent account which I never resided. Immediately upon discovering the alert I contacted XXXX disputing the account. I also made a police report with my local authorities for identity theft regarding the fraudulent account. I tried contacting JP Morgan Chase many times ; my calls were never returned until XX/XX/XXXX I mailed JP Morgan Chase a certified letter demanding proof of the authenticity of the account contract bearing my signature yet JP Morgan Chase has not as of yet supplied proof of the authenticity of above account in question. Yet JP Morgan Chase continues to report fraudulent and inaccurate information to XXXX and XXXX credit bureaus in my name.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (LA)

My Mortgage Account with Loan Depot act # XXXX was paid in full XX/XX/2020. Upon checking my XXXX, XXXX  and XXXX  credit reports Loan Depot last reported to the credit depositories was in XXXX still showing a balance. 

Loan Depot has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact Loan Depot to report my mortgage Paid in Full to all 3 credit bureaus.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In order of occurance : 1. I used a Chase credit card ( XXXX ) to place a deposit on a hotel in XXXX one year ago. {$660.00}. 
2. In XXXX, I closed that credit card account. 
3. In XXXX, the hotel canceled our reservation due to Covid-19. The hotel said they would refund the {$660.00} to our credit card used to make the reservation ( even though it was closed. ) 4. Chase Bank has not refunded our {$660.00}. 
5. I have contacted Chase Bank several times, and they are unwilling to look up the account to find why the money has not been refunded. They offer only a fax number to submit inquiries and say I will receive a response in 30 days. They offer excuses about staff cutbacks, etc. 

This lack of service is unacceptable.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2020, I attempted to add money into my Serve checking account. ( it's a checking account which receives my direct deposit from my work and has an associated debit card attached to it. However, it failed. 

I then tried to log into my account that day, and I was not able to log into my serve account or any of my other accounts with Serve and Bluebird. 

I have a total of 6 accounts with American express Serve/Bluebird, all of which I am unable to currently access. 

I called their customer service line on XX/XX/XXXX and XX/XX/XXXX asking what's going on, and they said that my account has been suspended for suspicious activity. They then said they would forward my inquiry up to their security team to review the issue. 

However, I just called again on XX/XX/XXXX, and they are unable to provide my any details on why my account was suspended and what I need to do to unsuspend my account. They said that I would need to send mail to XXXX XXXX  XXXX XXXX Georgia XXXX. But did not give me any instructions on what I need to do. They Since I have my checking account there, it's critical that I have access to my paycheck.. I have tried calling them multiple times and they only give me the work around.
Consumer complaint received 2020-05-18
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)

Remove account which never belong to me and was opened like a fraud. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Reason XXXX XXXX CA XXXX Suppose to be taken off on XX/XX/XXXX ADDRESS ID NUMBER XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reason Suppose to be taken off onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Suppose to be taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Suppose to be taken off
Consumer complaint received 2017-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MS)

Great Lakes was the company that purchased my loans from XXXX XXXX. The first thing that they did was to increase my interest rate. I questioned this and was told that they could increase it to whatever they wished. 
I began attending at XXXX XXXX University after obtaining my XXXX from XXXX University. I only took one class however when the 6 month grace period ended and it was time to begin repayment, Great Lakes reported that I owed {$130000.00}. This is wildly inaccurate. My wife and I have consolidated loans through XXXX XXXX XXXX in the amount of {$64000.00}. We pay on time and have never missed. A portion of my Masters through XXXX University and the one class from XXXX XXXX University were what Great Lakes purchased. 
When I received an outrageous invoice in XXXX of XXXX, I called Great Lakes and questioned. This is when I was transfered from attendant to attendant and eventually told that I could consolidate {$130000.00} into one monthly payment of {$1200.00} or so. First I needed to give them my credit card number to pay a one time servicing fee of {$490.00}. I tried to correct them in that I did not owe {$130000.00} but they would not listen. I have tried to get my records from XXXX with all of the financial information, but they will not provide them to me. I have tried to register on the FAFSA sight since they changed it, but it requires my XXXX email address that is no longer active. I have also contacted XXXX XXXX to obtain the records of the class that I took along with the financial info, but I can not get anyone to return my calls. I received a letter last month that said that my student loans are in default and now belong to the government. I am literally at my wits end on what to do or how to proceed. Please help.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (TX)

Source Receivables states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.
Consumer complaint received 2020-11-04
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: QUALITY ACCEPTANCE LLC (TX)

This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.
Consumer complaint received 2020-05-18
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. (NJ)

I am submitting a complaint because I was given inaccurate information to dispute a claim by Equifax in regards to an unauthorized inquiry by XXXX on my Equifax credit report. 

On XX/XX/XXXX, I submitted a dispute within Equifax to have a hard inquiry removed from my credit report. The hard inquiry was made on XX/XX/XXXX by XXXX without permissible purpose. 

I have contacted XXXX several times via phone and XXXX XXXX and was given varying information as to what I should do to have it removed. The last associate I spoke to said I must take it up with Equifax. 

I submitted a dispute on XX/XX/XXXX and then a few days later I received word my dispute was denied. I was informed by Equifax that I must speak with XXXX to have the hard inquiry removed. I knew phoning them and or dealing with an agent would get me nowhere, so I decided to write to them so they have written documentation of my request. 

I was given this address by Equifax : XXXX - XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, DE XXXX ( I attached below the letter from Equifax for your reference ) So, I sent a certified letter to XXXX on XX/XX/XXXX. I paid {$3.00} for the certified letter and waited over two weeks to find out the address for XXXX was " not deliverable as addressed ''. 

( I added a picture of the envelope and a copy of the letter to XXXX below for your reference as well ) I feel Equifax gave me inaccurate information and I am now being tossed back and forth between the two companies. I want a solution to my problem and I don't see how it is going to be resolved if one company is pushing me to the other and inaccurate information is keeping me from accomplishing it.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (FL)

We had been having safety and security issues at the apartment complex we were renting from XXXX XXXX XXXX  in XXXX XXXX XXXX, Florida XXXX for over nine months. We contacted management but no attempt was made to fix dangerous construction debris, inaccessible services such as walk ways and trash disposal, and overcrowded apartments nearby that had loud parties and were dealing drugs late into the night. People would walk directly into the apartment across from us without a key or knocking. In the morning there would be beer, liquor and food trash in front of the apartment on the stairs and in the corridor. We filed complaints with the Florida Attorney General. We received receipts that our complaints were received but no other information or action. 
The complex/company raises the rental rates every time you renew your lease. We had been looking for another rental, once found we requested the form to end the lease. We filled it out and returned it to XXXX XXXX, the current Manager. She confirmed receipt and our move out date. There was a waiting list for the one bedroom we were currently renting. We turned all of our keys in which she confirmed via email. She said there was no balance due and nothing else was needed. We received no calls, correspondence or emails from her after we had ended our lease. Over two years later when making a financial transaction I learned that I had a derogatory account on my credit from XXXX XXXX XXXX, and I.Q. Data International, Inc. of XXXX. I was charged XXXX for " breaking the lease '' and they continue to add monthly processing charges to this debt. I was informed by XXXX that there was no fees if the form was filled out. She was very helpful and never said there would be any fees or charges. I do not know who determined that these fees would be charged to me. I believe if you audit the leases for this company with properties throughout the United States that you will find excessive charges and fees to tenants living there and to the majority of those ending their leases. At the minimum, there should be a class action lawsuit against this company. In addition, I don't understand how their billing, leasing and property management can be in compliance with the Fair Housing Act. Please advise and assist. Thank you.
Consumer complaint received 2024-02-23
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to XXXX XXXX XXXX XXXX, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX Claims Representative ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX | XXXX  ( XXXX ) XXXX | XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020, I received a email letting me know that Capital One Bank USA had ran my credit without my permission, which in turn dropped my credit score. I would like for this information to be taken of my credit. 

I will definitely be in contact with Capital One tomorrow XX/XX/2020, to see why they ran my credit without my consent, and for what purpose.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by Wells Fargo bank as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a Wells Fargo phone customer service rep assured me that Wells Fargo will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. 

Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else.
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

I went on XXXX to purchase an item. The item was listed for {$2.00}, but in the description of the item the seller said they only accept payments from XXXX or XXXX. I have a Wells Fargo checking and savings account and I used XXXX from the Wells Fargo app. The seller wanted {$550.00} for the item and they sent me messages through eBay I have all of the messages on my XXXX account. I sent {$450.00} through XXXX on my Wells Fargo app. I messaged the seller Ill pay them the rest later that week. The next morning the item on XXXX  was taken down and the seller never messaged me back after I sent a few texts. The seller scammed me for {$450.00} and I filed a claim at Wells Fargo on XXXX I waited the 10 days for them to give me an answer on my case. I called Wells Fargo and I was told Im not receiving anything for what I lost despite me having all the evidence of what happened.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (OH)

There is a negative collections on my account that I am unaware of : Collections Co : Midwest Recovery System Original Creditor : XXXX XXXX XXXX Date of first Delinsquency : XX/XX/XXXX Date of Assigned to Collections : XX/XX/XXXX Amount owed : {$120.00} This is the first action that I have taken.
Consumer complaint received 2020-05-18
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. (TX)

ftc vilations In its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019
Consumer complaint received 2017-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

There are anywhere from 30 to 40 loans listed with late payments on my credit report. My loan has gone from XXXX XXXX to Navient/XXXX XXXX XXXX and now, since I am a XXXX, XXXX will be managing my loan as part of the Public Service Loan Forgiveness Program. I no longer have any understanding or control of my credit or a signed contract to reference all that is happening to my credit as a result of my students loans completely overwhelming my credit profile and the poor servicer management of it ; however, the Fair Credit Reporting Act prorects me and allows me to know exactly why something is being reported on my credit. As a result, I am demanding that XXXX XXXX/Navient/XXXX XXXX XXXX send me VERIFIABLE PROOF as to every single late that is being reported on my credit profile. If this can not be provided, as afforded by the Fair Credit Reporting Act, every single loan on my profile must show as current. As a XXXX year old XXXX approaching an early retirement to care for my sick mother, I need this completed immediately.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

I was contacted by Southwest credit system I regards to debt that was already paid with XXXX XXXX XXXX  I sent them receipt and email showing that it was paid they continued to harass me about the debt and say they cant understand the receipt.. I advised them they can contact XXXX  or XXXX to clarify it was paid they refused. I would like them to stop calling me and submit this back to XXXX   or XXXX this should not go on my credit because it was already paid. Also now that I try to contact them they send me to voicemail. I had to call from a different number to reach someone.