davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
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. (MI)

The day I opened my Chase Business Ink card, the banker told me to give him what I thought I would be making for the year. At the time when telling him, I did n't understand that he was using that as my ability to repay. I told him what I actually made as well. Therefore, I was given a rather high limit without the ability to fully repay and ended up not being able to make the monthly payments. It frustrates me a bank I trusted would have a banker do this to me and destroy my credit.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-07-20
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-12-09
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. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX 10. XXXX XXXX XXXX
Consumer complaint received 2020-12-04
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: JPMORGAN CHASE & CO. (FL)

I have an Amazon Prime credit card from Chase Bank. 
Months ago I ordered Amazon Prime and used it for 2 months, for which I paid. I then cancelled before the next billing cycle ( online ) and it read : Your Amazon Prime has been canceled, you will not be billed. 
Sine then I have been billed every month, including late charges, and interest. I have spoken with Customer service reps and supervisors 5 separate times. They all assured me that this was all cleared up and I owe NOTHING. I even have an e-mail from one confirming this. And yet ... .the statements keep coming. The last one says I owe {$38.00}. 
Yesterday I mailed them a letter saying that I filed a complaint with the FTC.
Consumer complaint received 2020-08-03
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: Bread Financial Holdings, Inc. (NY)

My family went on a Debt Management Plan in XXXX due to an unforeseen occurrence in our income. We were being responsible, and not default on our debts. We notified all of our creditors of this switch and that our payment may be delayed while going on the plan, as we paid XXXX XXXX XXXX and they paid the creditors. All of our creditors agreed. We had around 20 total credit cards. 

Some of the Comenity Bank & a XXXX credit card are showing as payment late. Some are due to the Debt Management Plan payment not being adjust even though they were agreed to, and are paid on time as agreed every month. We have never missed a single payment. 

1 ) Comenity Bank XXXX XXXX Card-Marked as Late-Paid as Agreed 2 ) Comenity Bank XXXX Card-Marked as Late-Paid as Agreed 3 ) XXXXXXXX XXXXXXXX Card   XXXX-Marked as Late-Paid as Agreed 4 ) XXXX XXXX XXXX Marked as Late-Paid as Agreed We have had all of these cards for over a year and have never paid late. I spoke with the credit bureas direct, who advised me of my rights to challenge the incorrect reporting and demand verifiable information. After researching this, I followed up with these letters. 

As of XX/XX/31 XXXX is reporting verified as accurate on my credit report when in fact the information is not accurate at all.
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Can not lift an Equifax credit freeze online. This is because I can not log into Equifax XXXX to make temporary lift of credit freeze. For months has given error, " We are temporarily unable to complete this request. '' whenever I either try to log in. Have also tried to reset the account and I get the same error. 

I was able to lift the freeze via a phone call, but they are only open limited hours, which do not overlap my availability. I asked them to make my account work again, and nothing happened, so I still can not lift it again.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

I hope this message finds you well. I am writing to express my disappointment and frustration regarding the initial attempt made to address the issue of late open accounts associated with my account. 

As a valued customer of your company, I have always appreciated the quality of service and reliability you have provided. However, in recent months, I have encountered challenges with the timely opening of accounts, which has resulted in significant inconvenience and financial strain. 

Upon noticing the occurrence of late open accounts, I promptly reached out to your customer service department in good faith, seeking assistance in resolving the issue. Despite providing detailed information and expressing the urgency of the matter, the response I received was inadequate and failed to provide a satisfactory resolution. 

The lack of prompt action to rectify the late open accounts has not only caused frustration but has also resulted in additional fees and penalties that could have been avoided with timely intervention. Moreover, the delay in addressing this issue has eroded my confidence in your company 's commitment to customer satisfaction and efficient service delivery. 

As a loyal customer, I expect and deserve better treatment when encountering issues such as this. Therefore, I am requesting the following actions be taken to address the shortcomings of the initial attempt to correct the late open accounts : A thorough review of the communication and actions taken in response to my initial complaint to identify areas for improvement. 
Immediate resolution of all outstanding late open accounts associated with my account, including the reversal of any fees and penalties incurred as a result of the delay.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including improved communication protocols and proactive monitoring of account statuses.

A formal apology for the inconvenience and frustration caused by the ineffective handling of this matter.

I trust that you will treat this complaint with the seriousness it deserves and take proactive steps to address the underlying issues. I value our business relationship and hope that through effective resolution, we can restore trust and confidence in your company 's services. I am asking for your assisstance to correct the late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8.00}.
Consumer complaint received 2021-09-13
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry : XX/XX/2021 2021
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (SD)

I work for Synchrony. Multiple times, in a couple of years but especially in the pandemic, has taken payments through XXXX XXXX XXXX and had the incorrect amounts taken. 

I have raised my complaints within the company of Synchrony and directly through XXXX XXXX to be shot down every time. 

This is such a widespread problem throughout Synchrony and XXXX XXXX to be estimated in millions of losses for our consumers. The problem continues to persist and Synchrony and XXXX XXXX are either not acknowledging the problem or profiting from it. 

I can not explain the number or volume of complaints that we have received in response to this problem. Synchrony and XXXX XXXX are both responsible for these problems.
Consumer complaint received 2017-11-06
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: EQUIFAX, INC. (CA)

My credit report from Equifax shows an inquiry from XXXX XXXX. It is reflecting a high credit card utilization against my credit, which is not true. 

According to my report from XXXX XXXX : The last report was on XXXX XXXX, XXXX, for the amount of {$49000.00} Opened on XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX. I did not make payments on that date to XXXX or anyone else.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank NA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX

ACCT PAID OFF. PLEASE REPORT THE ZERO BALANCE ASAP. 

THANK YOU 
XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-09
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX XXXX XXXX TXXXXX * XXXX XXXX XXXX, TXXXXX * XXXX XXXX XXXX, TXXXXX  * XXXX
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

My USBank reliacard was " locked/deactivated for fraud protection '' on the XX/XX/2020. I am the cardholder, and I have been the only one who has had access to it. I did nothing unusual to give USBank a legitimate reason to lock my card/withhold my money. 

I have called the number printed on the back of my card EVERY single day, at least TWICE PER DAY, with the intent and request to have this " Block '' REMOVED, so I may continue to use my card and have access to MY funds on it. 

Each time I spoke with the reliacard representative, I have told them to remove the unnecessary " Fraud protection Block '', as I have been the only one using my own card. 

Then they told me to upload pictures of my i.d . and a live selfie to their website..AND I DID THIS ... 3 TIMES! The Rep stated that in 48 hrs max AFTER SUBMITTING THIS it will be REACTIVATED. Well, almost 2 weeks have gone by and they HAVE NOT UNBLOCKED IT. THEY SAID THEIR " OFFLINE " team are the ONLY ONES WHO CAN unblock the card ... .and yet they do not give their number for me to call ....! THEY ARE HOLDING MY MONEY FOR NO VALID LAWFUL REASON! AND LYING TO ME ABOUT UNBLOCKING IT! 

I have a serious XXXX XX/XX/XXXX that I have to pay for the MRI/SPECIALIST visit for in 2 days and I am denied my rightful access to my money to pay that bill with! Not to mention NECESSITIES required to live, I can not buy anything and am starving because USBank is illegally withholding my money, .and it says NOWHERE on their cardholder disclosure form that they would pull this XXXX. 


I have asked to speak to supervisor and they say the same lie, blaming it on their " offline '' team ... THAT MAY OR MAY NOT EVEN EXIST! 


PLEASE help me with this, I have tried everything I know to do to resolve this..I do not know what to do. I am very upset and struggling due to this inconvenience ... I have been WRONGED by this dishonest bank run by Con-Artists. They are illegally withholding my money! 

Would you please help me? I know I am not the only one going through this either. 

Thank you for your time, and for listening. 

You may call me if you'd like at any time. 

XXXX XXXX XXXX Reliacard debit prepaid cardholder
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (OH)

The Great Lakes ppl I have called multiple times! I did n't even know I had s defaulted loan! I pay all the other loans! Auto pay! So where is this loan! I ca n't find it and I could n't get a home loan!
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There Are XXXX XXXX Reporting To My Credit Report. I Did Not Authorize For Any Third Parties To Have My Personal Information Nor Did I Sign A Consent Form. Thats A HIPAA Violation. I Also Have Been Called And Harassed About Paying Other Collections And Pursuant To 15 U.S.C. 1692c ( a ) ( 1 ) And 15 U.S. Code 1692b ( 3 ), Thats A Violation. Because Of These Fraudulent Collections, I Haven't Been Able To Get Approved For Anything. This Is XXXX Me. Im Not Able To Take Care Of My Family How I Want To Due To This Situation.
Consumer complaint received 2020-12-09
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX, XXXX * XXXX XXXX XXXX, XXXX * XXXX
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied Collection Services, Inc. (Nevada) (CA)

XXXX XXXX XX/XX/XXXX IT PUZZLES ME WHY THIS COMPANY ALLIED COLLECTION IS ADDING TO THE BALANCE OF AN ACCOUNT AT THEIR COLLECTION AGENCY! FIRST OF ALL I DISPUTE THE ACCOUNT. 

I AM ALMOST CERTAIN THE U.S. Fair Debt Collection Practices Act PROTECTS US FROM ACTS SUCH AS THIS. 

I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM ALL BUREAUS IT IS BEING DISPLAYED ON AS WELL AS ALL COLLECTION ATTEMPTS CEASE AND DESIST. 

XXXX XXXX AND ALLIED COLLECTIONS HAVE HAD AMPLE TIME TO RESPOND TO MY MANY DISPUTES AND HAVE CHOSEN NOT TO, BUT TOOK THE TIME TO ADD {$2.00} CONTINUALLY TO MY CREDIT FILE. 

IF THIS IS NOT RESOLVED I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERALS OFFICE AND MY ATTORNEY HAS ADVISED ME THAT WE WILL FILE A CLAIM IN COURT TO GET JUSTICE FOR ME.
Consumer complaint received 2022-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I never received a title from Hyundai when I paid off the car back on XX/XX/2019, so I decided to request a replacement title from the DMV. Hyundai was still listed as a lien holder for some reason and I asked Hyundai to send me a lien release for the vehicle I paid off back in XXXX. They said they'd send it to me, but I never received it. I requested it again, and the system shows that they've reviewed my request and sent the lien release to me by mail, but it's been months and I still don't have it. DMV records show that Hyundai still appears to have a lien hold on my car. 

First, Hyundai Motors was negligent in sending me the title they ought to have sent me when I paid off the car back in 2019, and second, they never sent the lien release they said they had sent me. Turns out I'm not the only one experiencing this from this company, as a quick search on the internet shows that there are numerous people who have the same issue with Hyundai as me ; not receiving the title or the lien release. 

I have a car that I own but can not operate because I need to renew the registration for the car, which I can not do because I need to do a smog check on the car, which I can not do because the car is registered in California but my car is currently in Pennsylvania. In order to do a proper smog check, I need to re-register my car in that state, which I can not do without the title that Hyundai never sent. I'll need the lien release from Hyundai to request a replacement title to register my car in the new state. I have no method of transportation at this point, and it's been this way for months and Hyundai simply does not care. This is outrageous.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX IS STATING THAT I OWE THEM MONEY, WHICH I DONT. I HAVE ASKED FOR A VALIDATION OF WHAT THEY SAY I OWE THEM, WHICH I HAVE NOT GOTTEN YET. I WANT A VALIDATION LETTER WHICH IM ENTITLED TO UNDER LAW, WHICH WILL SHOW THAT THEY REAGED SOMETHING.