davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I have been trying to apply for another American Express credit card and request an increase on my XXXX XXXX card for over XXXX months. I keep getting denied and I am not being told why. I even tried to provide the requested information to still get denied.
Consumer complaint received 2019-08-09
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: Experian Information Solutions Inc. (HI)

The following inquiries were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, because of the XXXX breach, I tried printing out all my free credit reports. It took me six hours of errors messages. I could not get my Experian report online. I got a message saying : We 're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

There is absolutely no reason to not be able to obtain this online. I have tried every day, and I still get the same message. 

Give the crisis with the XXXX security breach, people should have immediate access to their free reports.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

XXXX, Equifax, XXXX XXXX all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.
Consumer complaint received 2021-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am writing this due to non-compliance with the CRA and They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law I have disputed more than 3 months in a row they are sending me stall letters and computer generated results.
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Alexander & Associates, Inc (WA)

I received a phone call from, +XXXX ( XXXX ) XXXX-XXXX  today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was XXXX XXXX and they have no record of me on file.
Consumer complaint received 2020-11-03
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)

On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

I received a few calls to my work phone on XX/XX/XXXX. They were confusing messages with a website left. I looked for the website and company name, they do not exist. They mentioned XXXX XXXX, so I spoke to them and was told no debt was owed. Then, I called the phone number to straighten things out. 

Call 1 : https : XXXX They have no idea why I am even calling, and having issues even pulling up an account for me. Please keep in mind, this is after numerous calls to my work phone and telling them via text not to call or text me on there. Obviously, there is bad language. 

Call 2 : https : XXXX Call 2 ( part 2 ) : https : XXXX In these recordings, I tell them they have not proven the debt is real and the agent agrees on the phone that I do not owe this debt after XX/XX/XXXX. 

I have told them numerous that I do not owe this debt, they agreed that after XX/XX/XXXX the debt would be " written off '' due to state laws of the debt being owed. This is not allowed to be reported onto my credit report or tried to gain recovery for this unknown, unproven debt. It is time barred. 

It is up to them to prove that I owe this debt. They have not done so in over 4 years. I am also not required to update my information with them. I also informed them via phone not to contact my work phone anymore, and received several text messages from them AFTER speaking to them. 

Screenshots of text messages ( these were sent after both phone calls ) : XXXX : XXXX I've never even had an XXXX done on my XXXX, and I have only their word to go off of for what it was for. Any bills from XXXX XXXX XXXX were paid in full, and I have receipts for all bills from them. 

Utah is a one part consent state. These recordings and screenshots are 100 % legal.
Consumer complaint received 2021-08-14
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: National Credit Adjusters, LLC (WA)

I received collection notices for two accounts that previously dropped off my credit report ; the original debts stemmed from XXXX. The accounts were not showing on my credit report, but they came back in XXXX. 

I understood if I paid the full amount of the debt owed, the collection agency would remove these items from the credit bureaus. 

I wanted to be done with these negative marks on my credit report. Hence, I paid the two collection balances in full to National Credit Adjusters Collection Agency, who put the collections back on my report. However, these debts remain on my credit report showing paid, but I understood by paying the debts in full and not negotiating a lower payment, the debts would no longer show at all on my credit report at all.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services (NY)

A XXXX XXXX XXXX was purchased using my credit score. That was not me!

I did not purchase this car, nor do I have this car. My brother XXXX XXXX may have. 
My friend XXXX XXXX took my personal information out of my home. Perhaps that had something to do with car inquiries also.
Consumer complaint received 2021-03-31
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: AMERICAN EXPRESS COMPANY (DC)

In XX/XX/XXXX, I purchased a one-year subscription for XXXX e-cards for {$5.00}. There was no indication in any of the content presented about a monthly subscription. In fact, in XXXX, I purchased the same e-card subscription for {$5.00}. As I completed the fields for paying for the subscription, I specifically indicated that I did not wish to be auto-billed for anything. I have the receipt that shows " Autobill. No '' Unfortunately, the company auto-billed my AMEX card on the XXXX of the month any way beginning in XX/XX/XXXX through XX/XX/XXXX. Because we are regular customers at XXXX stores, I didn't realize the monthly XXXX charges were by the E-card division, and therefore unauthorized, until XX/XX/XXXX. ( We go to XXXX stores multiple times a month because my daughter with special needs likes to buy balloons from XXXX. ) I attempted to get a refund through my credit card company, AMEX, and could only reverse the XX/XX/XXXX charge. XXXX e-card misrepresented that I gave authorization for the monthly fees and AMEX never requested documentation from me to prove otherwise. My attempts at obtaining a refund directly from the merchant were unsuccessful because, as they represented to AMEX, they felt that it was " understood '' that it was a $ 5 monthly subscription for e-card services, and this they state with no evidence of affirmative approval from me. AMEX says that my responses to their closure of my disputes were untimely ( they notified me by mail ). Of course, they did not factor in the COVID-19 pandemic and the notable slow-down of USPS resulting in longer mail delivery times.
Consumer complaint received 2021-03-31
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. (PA)

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX XXXX {$1600.00} Date Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMT Solutions, LLC. (WA)

This company has called me several times over the last week during working hours. 

When I called them back and asked who they were as the caller ID was showing up as potential scam, the man on the phone cut me off, said POTENTIAL SCAM?!, interrupted me, explained I have a debt to pay and furthermore explained I must trust him and respect him. I do not know this man, I was not given written notice about debt, I was not given notice about my right to dispute the debt. 

I asked for proof of debt ownership and they responded that they will email me but I require written proof, as per law. 

Harassed me, caused emotional turmoil and hung up on me in a later phone call.
Consumer complaint received 2019-08-09
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. (TX)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX  XXXX XXXX XXXX,
Consumer complaint received 2019-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (TX)

Purchased lawn equipment through XXXX they offered to apply for their no interests same as cash thru WHY NOT LEASE IT program. Highway robbery. As, the loan has come to an end we have had trouble with the buy out amount. It changes with their excessive fess and interest every time i try and buy out. I have tried taking my card off the on line account so they don't take any more money but website doesn't allow you to do that.It makes you speak to a representative and you are practically forced to go through the whole buy out process again. if you don't buy out your put on monthly you cant afford with excessive absurd amount of fees until you can buy out which are EXCESSIVE but, when they have access to your debit card and bank info you have no choice. Which you provide at purchase in order to apply for their program at XXXX stores. XX/XX/XXXX the merchandise was purchased for XXXX. To date XX/XX/XXXX they have collected a total of XXXX. After arguing and demanding them to stop and telling them i will file a complaint I still had to pay another amount to buy out of XXXX today. Which now comes to a grand total of XXXX. I am so disheartened that this company is allowed to business in the us. Help us!!!
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc. (NY)

On the date XX/XX/2021 I received a postcard in the mail from a debt collector, which is a violation 15 USC 1692b ( 4 ) and 15 USC 1692f ( 7 ). When I opened the letter I seen symbols witch is a violation according to 15 USC 1692b ( 5 ) and 15 USC 1692f ( 8 ). And a host of other violations. Which is unfair to the consumer.
Consumer complaint received 2020-10-13
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. (FL)

the accounts listed do not belong to me someone use my social security number and photo id to open fraudulent accounts in my name as result i am victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

This card was LOCKED on XX/XX/21, and has NEVER been unlocked since. 
On XX/XX/21 - 2 pending charges for XXXX/ea appeared from XXXX  XXXX. I called Barclay on XXXX ( XXXX was a holiday ) when the charges were still pending. I was told by the rep that she could see from her side the 1st charge was declined and would fall off. She could not tell at that time if the second charge was or would also declined but stated it should be since the card was locked. She said if the charge went thru to call back and my account would be credited. The first charge did fall off but the second went thru and I called back on XX/XX/21 after it said processed. I was shuffled around from dept to dept as they all passed the buck on whos problem it was and who could issue the credit because " customer service doesn't have that ability. '' WOW- really? I have had a rep, a supervisor and others confirm the card was locked XX/XX/21, that the charge should have been denied and that I would get a credit from Barclay. A supervisor even stated more than once ( on a recorded line ) that this was a Barclay mistake not a merchant mistake. I was told more than once by multiple people I would get a credit for the XXXX. This still has not happened. I was also told I would get a phone call and/or email from the last gentleman who was also supposed to be a supervisor. Nothing to date. I called back in today XX/XX/21 to check on the situation and was put right back into the pass the buck blame game on other departments. 
The entire point of locking a card is so that NO new charges come thru. This was not a recurring or subscription charge that is exempt from the locked status. 
Barclay need to take responsibility for their mistake and issue the credit for {$32.00} and stop trying to give any excuse possible for their glitch, wrong algorithm or whatever caused this mistake on their end. 
I just want them to do what they have repeatedly said they would and issue the credit I am due. Feel free to pull up the recordings from each time I have called.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (VA)

I have paid the debt and asked if they would remove the collection from my credit report. They told me that i would have to deal with it for 7 to 10 years and there was nothing they would do about it. I was polite and am trying desperately to buy a home and can not with this on my report. Its killing my credit which is already so hard to build. I didnt even know i still owed on the account. I thought it was automatically paid. The balance is now XXXX and still wont remove the collection
Consumer complaint received 2022-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/XXXX I used Western Union to send {$1000.00} to XXXX XXXX, I paid the transfer fee of {$7.00} ( something that is done electronically ) But I feel I was ripe off on the exchange rate. The current exchange rate from COLONES TO DOLLARS is {$640.00} colones per dollar. The exchange rate I was charged was 540 colones per dollar ( an exchange rate from XXXX ). That is {$150.00} dollars out of my {$1000.00}. A 15.9 % charge plus the {$7.00} dollars transfer fee. Western Union charged {$160.00} dollars on a {$1000.00} dollar transfer. I find the charge very excessive. 
I contacted the company via chat, which I enclosed, and I received no resolution but apologies. With today 's inflation apologies don't help. 
Last time XXXX  modified their exchange rates was XXXX ( see attached ). 
Lots of things can happen in a country that will affect their exchange rate. 
XXXX  should update their exchange rate at least once a year. I find it greedy on their part, their current exchange rate. I don't know if this is true for every country, but as a consumer protection agency, you should do something about it. I will really be surprised if I get any percentage of my money back. I think, XXXX is playing the odds that consumers will not check exchange rates. But this is the last time I used XXXX, a company with a very long history. Is a shame.
Consumer complaint received 2021-07-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (MS)

I don't understand how two student loans are on my credit report six times that's not fair. I can't repay them, I'm in debt and they are in forbearance. I have two student loans that show up closed on my credit 6 different times I keep writting XXXX but they are not fixing it