davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

equifax is continuing to report incorrect information on my report. My current address was reporting as my previous address and there is two addresses on there that still needs to be removed. I disputed 2 addresses and got an email saying that my dispute results were ready and they were removed from my credit report. Now I called in on XX/XX/XXXX to get my current address updated and the supervisor updated it. After I hung up updated my credit report to make sure it was updated and realized she added an apartment number on there that I never told her to add on there. I called back and they also told me that the two addresses that were disputed and removed were also added back to my report. This is against the FCRA. I am willing to take this matter to court and sue if this does not get fixed immediately. I am uploading my current Identification card to this portal with my current address without the apartment number that the supervisor added on
Consumer complaint received 2017-08-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NJ)

I am being harrassed multiple times daily by Navient Corporation looking for someone who has defaulted on student loans. Navient is now also calling my son, my daughter-in-law, my daughter-in-law 's mother and her father. They are also using false phone numbers to make these calls. They have been told to stop but refuse to do so. All of us have told them we do not know the whereabouts of the person they are trying to reach. The most recent calls were today, XXXX XXXX  2017. I can provide phone logs of the hundreds of calls to my cell phone and my home if you should need them. On one call back to Navient requesting that they cease calling me, a representative stated " we will never stop calling until we get our money ''. I desperately request your assistance to make them stop calling me and my family. They begin at XXXX and continue until XXXX every single day. None of us, including myself has EVER done business with Navient, has ever borrowed money from Navient and wants nothing to do with Navient!
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following unauthorized inquiries are showing on my TransUnion credit report. 

When I call their toll free number, my calls keep getting transferred to India. The representative says even though my info was improperly used, I am responsible for contacting each company to straighten this out on my own : 1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX All they do is read to me from a script. It is very frustrating! XXXX and XXXX  were very willing to help when I told them what happened. TransUnion is not.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XXXX XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXXXXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the three Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-28
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. (CA)

I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Through XXXX  ( a freelance network ), I received a work for website development. Buyer mentioned they can only pay with Cashiers check. I accepted and check was mailed to house. I realized the buyer has overpaid and I reached out. Buyer told me that it was an accounting error, accountant thought I was the XXXX  and the XXXX  - so sent me money for both. He requested that I refund {$1900.00}. I told him, I can only do so after the check clears. Check was on hold by Chase and got added to my balance on Tuesday. I sent the refund as suggested by the buyer through XXXX. On Wednesday morning, chase sent an email saying, they are lowering my balance because the check was fraud. I am not sure why they took 1.5 days holding the check if they did not verify if it was legitimate. When balance was added I assumed Chase did their due diligence. 

When I got the mail from Chase, I immediately called Chase bank fraud department. After 1.5 hours of transferring to different departments, they told me they can not do anything to reverse the transactions or investigate the scam account I sent money to. 
I stated that I understand I may not be able to get the money but I need information about the person whose account the money has gone to, so that I can file police report. Chase rep. claimed they do not have this information and to contact XXXX directly. When I called XXXX they said they don't have access to bank information, they only provide the technology for transaction but banks are able to see which account money goes to, also informed banks can see account names, email, phone number and bank name ). XXXX also requested a XXXX  transaction ID to investigate further on the transaction. When I called chase again, they kept giving me the Chase transaction number and kept saying they don't have any information on the other account, neither they can do anything to help investigate or claim the money back. 

Chase advertises services like fraud monitoring, scam protection, check protection but in reality does absolutely nothing to help customers get money back or investigate a scam. They should check if a check is legit or not before depositing the money in account, specially after holding the money for 1.5 days, a deposit confirmation would indicate that the check cleared properly. They immediately removed the funds next morning but offered no help in helping get the money back or do anything to help other than repeating the same thing over and over. Such banks make it easier for organized scammers to scam people because they know banks will charge the victim and will not go after the criminal. 

My local police at XXXX, TX was much more helpful in trying the get the person behind this. I promptly got a call from detective and received information on where to complaints to help solve the crime.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XXXX/XXXX/XXXX, I was charged a late fee of {$30.00} on a balance of about {$600.00}. I was not able to make a payment online due technical problems of Comenity-Overstock 's website. I called the customer service center on XXXX and paid my entire balance in full ( minus the late fee of {$30.00} ) as the representative on the phone informed me that the late fee will be waived. On XXXX/XXXX/XXXX, I was charged a late fee of {$27.00} and subsequently a minimum charge of {$2.00} due to the {$30.00} late fee balance that I did not pay. On XXXX/XXXX/XXXX, I reached out to customer service again, this time via the message center. On XXXX/XXXX/XXXX, a representative responded saying that they have credited the {$27.00} late fee and {$1.00} minimum charge ( not sure why not the full {$2.00} ).  They did not address the {$30.00} late fee from XXXX/XXXX/XXXX that was supposed to be waived as well. On XXXX/XXXX/XXXX, another {$32.00} late fee and {$2.00} minimum charge was assessed once again on that {$30.00} late fee balance. I reached out to customer service again via the message center, but no response.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (NY)

I have a Capital One Credit card ending in XXXX. 
I wrote a letter in XXXX to them and called on XX/XX/XXXX asking for some kind of relief as advised by CFPB and as advertised on their website noted below with stars. 

I spoke to XXXX in XXXX, VA and she said that Capital One had no programs to assist and that, that they would not offer a payment plan, that they HAD TO REPORT ME TO CREDIT AGENCIES, and they had no programs to help those who lost businesses or who suffered illnesses covid. 

Can you help? 

I offered to attempt to rectify and make minimum payments until we get on our feet. 

Capital One says there are no available options for relief under CARES act ***Credit Cards and Other Loans If you find yourself unable to make payments on bills, credit card debts or other loans, the Consumer Financial Protection Bureau ( CFPB ) recommends working with your lenders directly. The CFPB says the earlier you reach out, the better. And it has a helpful page describing what options may be available and what to say to your lender.

Capital One customers who may be experiencing financial difficulties as a result of COVID-19 should reach out directly to discuss available resources.
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (TX)

discover states account was charged off for {$4200.00} on XX/XX/XXXX disreguarding a lup sum payment of {$4000.00} made XX/XX/XXXX, data reporter refuses to list the payment in credit report after more than XXXX disputes filed thru Experian reporting service. copy of receipt for the {$4000.00} payment was downloaded with dispute, yet file has not been corrected as of XX/XX/XXXX results of dispute have not changed since first fileing dispute XX/XX/XXXX, Data reporter still states {$4200.00} write of knowing that is incorrect write of amount as of XX/XX/XXXX is {$190.00} that will be paid once credit for the {$4000.00} payment is listed and dispute is corrected or file removed for being incorrect
Consumer complaint received 2017-06-12
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. (TX)

To  Whom It May Concern,   On   XXXX   I disp uted an account reported  by   XXXX   XXXX   XXXX   i n the file you maintain under my Social Security number.   I was infor med o  n   XXXX   that  the item was deleted from my credit report.   Now I have discovered that the item has been reinserted on my credit report.   In accordance with the requirements of the FCRA secti  on 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) N  otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means av ailable to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.   I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attor ney Generals Office, and  the BBB.   Please govern yourself accordingly.
Consumer complaint received 2017-08-24
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. (WI)

I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my report.
Consumer complaint received 2017-06-27
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: CITIBANK, N.A. (TX)

Since XX/XX/XXXX, I have sent over twenty certified letters to both XXXX and Macy 's Credit for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX  Acct No. XXXXxxxx
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I closed my account with XXXX and received my final bill from bill period XX/XX/XXXX - XX/XX/XXXX for {$650.00}. I didn't pay because that amount didn't make sense. It turns out that they were charging me for unreturned equipment. XXXX sends an auto email when they receive your equipment and I had received one so I forwarded them that email. After that, I received another bill from XXXX which they adjusted the amount to {$100.00}. I paid that bill back in XX/XX/XXXX. Until this day, I am still receiving collection letters. The first one was for {$460.00} and the 4 or 5 letters after that was for {$69.00}.
Consumer complaint received 2017-06-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (CA)

I received an auto loan from Chase in the amount of {$14000.00}. I had concerns about the interest rate that was offered to me ( 5.84 % ) but, since the paperwork was signed at the dealership, I had no way of getting my questions answered. I reached out to Chase when the loan documents came in the mail and asked them to offer me an interest rate ( 2-2.5 % ) that better reflects my excellent credit score ( > XXXX ) and payment history ( never a late payment ). I received a letter from Chase stating that they could not refinance my loan because of my insufficient payment history and US residency status. As a matter of fact, I have an excellent payment history and I am a lawful US XXXX XXXX. If that was n't the case, why did Chase approve my loan in the first place? I find their behavior quite discriminatory. They are just coming up with excuses to avoid giving me the better financial terms that I am entitled to.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

This is a  XXXX  debt that is being handled  by Pinnacle Credit Service but a lso being sought on by LVNV Funding LLC. The credit bureaus are reporting what is being sent to them monthly.
Consumer complaint received 2017-06-27
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: JPMORGAN CHASE & CO. (TX)

Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND Chase Mortgage, requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from Chase Bank Mortgage : : XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX XXXX : a ) CHASE MTG Acct No. XXXX b ) CHASE MTG Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why Chase Mortgage rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2017-06-27
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. (TX)

Since XXXX 2010, I have sent over twenty certified letters to both EQUIFAX and XXXXXXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

XXXX XXXX is actively defrauding " investors '' and the unsuspecting public about an impending IPO by soliciting investors to buy shares of a company that has no intention of going public. This is ongoing - the website is still up and open to take money from folks of all walks of life, not just accredited investors with plenty of money and a high appetite for risk-taking. They'll take from anyone. I have contacted Chase bank to ask that they reverse this charge but they refused because they don't see this fraud since I offered my info over to the " company ''. XXXX XXXX accepted {$3300.00} from me in return for 300 shares at " $ XXXX ''.
Consumer complaint received 2017-04-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This company popped up on my credit report as a collection for a hospital and reporting under another company named XXXX which makes this company reporting on the same debt twice on my credit report. I want the debt to be validated because I never received of letter to validate that the debt is truly mines.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

The 3 Credit Bureaus is reporting inaccurate information on TSIXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2017-06-27
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. (NJ)

XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. 
XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks XXXX XXXX XXXX