davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
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)

I supposedly have two files with equifax as per equifax representative. 
The equifax is reporting my charge offs and negative information on my credit and have removed every positive account that was being reported. 
I would like Equifax to update the info and have my current and correct account showing on my credit file. 
Currently equifax is showing XXXX XXXX CHARGED OFF BALANCE {$3900.00} ) XXXX XXXX XXXX CHARGED OFF BALANCE {$3400.00} ) ( XXXX XXXX XXXX CHARGED OFF BALANCE {$1900.00} ) ( XXXX XXXX XXXX BALANCE {$1100.00} ) ( XXXX XXXX XXXX XXXX BALANCE {$100.00} ) These accounts are not mine and were written off as ID theft.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

RBC , Inc has been attempting to collect a debt that is not mine. I have sent previous mail back. The debt is for XXXX XXXXXXXX XXXX  XXXX. I have never been a patient of or received services from XXXX XXXXXXXX XXXX XXXX. The amount owed is stated as {$160.00}. Their contact phone number is XXXX. I am attaching a copy of the latest debt collection attempt that was sent to me via mail.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You have an account on my file from XXXX that needs to be removed from my credit file. 
In accordance to the FCRA and the FDCPA the information you are to provide on my file is supposed to be correct, but you have information such as the balance and so forth that is inconsistent and needs to be removed immediately. 
This notation is in regards to XXXX and Transunion.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

There Was A Credit Card Account Opened With XXXXXXXX XXXX. I Have Fought With XXXX For Years Over This Credit Card. I Informed Then Right Away That It Was Not My Account. I Have Submitted Complaints And Several Disputes On All 3 Major Credit Companies And Still No Resolution. I Have Been Trying To Have This Removed From Credit Report For Years. The Account WaXXXX XXXX XXXX XX/XX/2016. Balance XXXX
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NJ)

I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX  with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After 30 months of making on time payments, I missed 2 & they closed my account. I requested a reconsideration. The said no, kept my deposit & interest then demanded I set up a payment arrangement for interest & fees. It's not fair. I contacted Capital One & told them I was having financial issues. They said it would not be a problem. Then when I made a payment they accepted it & closed the within minutes of accepting the payment. Do being a good customer with a perfect payment history not count for anything?
Consumer complaint received 2019-05-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (UT)

Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. 

This law was not fallowed and they are asking for {$5900.00} when XXXX says the I owe {$5000.00}. Witch is what they reported to XXXX.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MO)

Company named XXXX XXXX XXXX XXXX XXXX XXXX called me and my relatives today leaving a message that i would be sued if i did not contact them. When i did reach them they said i owed {$600.00} and would cost me 3 times that amount in court if i did not pay them.Caller stated they wanted to set up a time when i could be served at my residence or the would have to serve me at my work. They gave an address from 10 years ago, and a bank that was never used. I asked them how they acquired all the phone numbers, but they would not tell me, i told them not to call me or my relatives again. But the calls kept going out to my relatives. This an embarrassment to me to have to explain the matter to my relatives.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc. (CA)

I made a phone called on todays XXXX 
The person who handled my collections acct was very rude, misbehavior and blaming its my Acct on collections Im trying to let her know Im the victim of theft and not myself was do the collections Shes represented a company Put my name on collections and very seriously..

Im calling because of the victim of fraud Shes still trying to tell me its my own collections Even I said I have a police report shes still denial that police report shes keep reading out the debt of collector.. 
These business need to understand if I filed a Attorney and asked my damages who have to paid for it Some company turned to used abuse language and fault words but they should be aware about the FACTS not their opinion Putting my name on collections its not true and right I hope everyones should be looking this company Called Procollect collections agency Phone or fax XXXX XXXX XXXX Or email XXXXXXXX XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

SEQUIUM ASSET SOLUTION {$2800.00} This debt is fraudulent, I let the company know that I am a victim of identity theft and I requested information from the company that shows my signature that I open this account, was only provided with a statement. I did not apply with this company nor the company they are collecting a debt for. I have received several messages/ phone calls from their company trying to collect this debt.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (VT)

On Friday, XX/XX/2022, I tried to access my People 's United account, which was to transition to M & T Bank over the weekend. I could not gain access. I decided to wait until Tuesday, after the three-day holiday weekend, to try. On Tuesday, XX/XX/XXXX, I did gain access to my account, now with M & T Bank, but the one account -- a guardianship account into which my son 's SSDI payment is deposited -- did not appear on the drop-down menu. This made it impossible for me to transfer his SSDI payment to the account from which all his bills are paid. I tried XXXX times before noon on XX/XX/XXXX to reach the bank, but only got a three-second message saying that the bank 's system was overwhelmed and they were unable to help me at this time. The phone then disconnected. 

When I tried again closer to noon, I received a different message from M & T asking for my 10-digit phone number so the bank could reach me in four hours -- the promised wait time. Close to XXXX XXXX  ( more than nine hours later ) I received a call from a telemarketing firm hired to call promised callbacks and apologize. That was it. Just an apology and a phone number to call in the morning. 

First thing Wednesday ( XX/XX/XXXX ) morning, I phoned and got the original three-second message and a disconnect. I tried two more times with the same result. At XXXX XXXX, XX/XX/XXXX I got a different message and was on hold for more than 30 minutes before I had to go to a meeting and hung up. 

I left a message, too, on the " Message '' option on M & T Bank 's webpage for my account on XX/XX/XXXX. As of XX/XX/2022, I have had no response. Finally, my husband went to our local bank branch on Thursday, XX/XX/XXXX, and made the transfer manually.
Consumer complaint received 2019-10-29
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: Experian Information Solutions Inc. (IL)

I have disputed Inquiries that's on my Experian report numerous of times but Experian have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Experian have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

I attempted to release my security freeze at Experian using their website. This was impossible as there was no way to search or to navigate to such a page. Next I tried calling the Experian help line. I tried several different numbers. Each took me to an automated prompt system that did not have an option to release my security freeze or an option to allow me to speak with an agent/person. 
I finally searched the web and found an Experian page for security freeze. However, it would not allow me to " thaw '' my credit. I had to print out the page and mail in a bunch of documents to Experian in XXXX TX. I am not sure if Experian will notify me when my credit is accessible or if I will have to keep checking their website. 
Absolutely, terrible customer service. Of course, on their website they kept trying to SELL me on a XXXX XXXX as being better than a security freeze when in fact they do the same thing. What a total waste of my time. And this is the company that controls my credit score.
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

Received an email today, Saturday XXXX/XXXX/XXXX ( Holiday Weekend ), that my car payment is due in 5 days but also that the online pay and phone pay systems have been shut down for maintenance and will not be opening up back up until after my bill is due. I also probably wo n't be able to mail in on time because of holiday schedule, unless I pay extra for expedited shipping, plus I already threw out my bill because I always pay online through a 1-time ACH. This seems like a very underhanded move to get people charged late fees and to put blemishes on their record. I 'm shocked that this could even be allowed. I have paid on time/early on every payment since the loan started. This is completely ridiculous that a financial company can act this way.
Consumer complaint received 2021-08-13
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: JPMORGAN CHASE & CO. (PA)

I Paid Off The Credit Card I Had With JPMorgan Chase Earlier This Year. The Agreement Was Pay For Deletion. Even though The Transactions Where Fraudulent And I Reported That Several Times With Chase Bank. I Paid The Full Amount To Remove The Credit Card From My History And It Is Still There.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (NY)

Everytime I use my card on their app my purchase goes through but then they cancel my orders so frustrating call them and they dont care so I cant buy anything online anymore because they wont let me and refuse to fix this issue and concerns my credit card goes through my red card but they wont allow me To place online orders they want me to go to a store then whats the point of having this card if you wont let me Shop online like everyone else not fair
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (UT)

I changed my physical phone and phone number associated with my Coinbase account and did not change my information over prior to making the change. I've been trying to contact Coinbase and they have been unable to help me for two weeks now via email as they do not have any live customer support. They've told me there is a process for fixing this and regaining access, but every time I try their recommendation there is either a step in the process that is not possible or impossibly unclear instructions. I've provided all of my verification information multiple times including the same ID that was used on the original account.
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VT)

Contacted Navient on XX/XX/17 for justification for monthly interest rate increases on variable rate private student loans ( XXXX XXXX XXXX XXXX XXXX ). The customer service representative claimed that the US LIBOR rate has increased for the last 6 months ( XX/XX/XXXX-XX/XX/XXXX 2017 ) and this resulted in increases in the rate. This information is inaccurate. The USD LIBOR rate has not increased every month of this year. Additionally, other instances when the LIBOR rate has changed ( increased or decreased ) the interest rate of the loans has not changed accordingly. These interest rate increases have corresponded with paying additional money towards the principle each month and is suspicious. Further, as soon as these loans were placed in auto debit ( and therefore eligible for a 0.25 % interest rate deduction ) the following month the interest rate was raised to match that 0.25 % decrease.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I had an account with American Express in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. American Express bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring of XXXX a year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today,XX/XX/XXXX, and was informed by a representative that they do not honor divorce decrees with debt settlement.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On X/XX/18 I called Capital One to remove a $ XXXX monthly fee from my oldest opened account. they declined offering to open a new account with a yearly fee instead of a monthly. I have a credit score over 800. I have an XXXX and XXXX XXXX XXXX I use as my daily cards. Capital is purely nickel and dimming me. I offered to use the card and have the fee removed. I offered to have it converted to a standard card with no fee. Capital One declined each offer.
Consumer complaint received 2022-09-09
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: JPMORGAN CHASE & CO. (FL)

In XXXX of XXXX, my husband 's company truck broke down to where it was unusable, which caused a big hit in our finances. He did some odd and end jobs to help pay our bills since I was working part time teaching. 

In spring of XXXX he finally decided to sell his company and apply for other jobs. Several of the jobs that seemed very promising did not end up hiring him. At the end of XXXX my XXXX  job ended, so I was no longer getting paid either. Plus I wouldn't be able to count on going back in the fall because I was XXXX  with our XXXX  child and wouldn't be able to miss that much work once the baby was born. Up until that point I had made it a priority to make the minimum payment on our Chase Freedom credit card even though we were barely able to pay our bills. 

I continued to pay the card through the end of XXXX, even though we had no consistent income still. In XXXX of XXXX I was desperate to get some of the interest lowered or our balance negotiated, as everything I was trying to pay was mostly going towards the interest. I understand that this is how credit cards work, but it was very disheartening, especially because we couldn't afford to pay. 

I called Chase and told them how I had to stop working because I was pregnant and that my husband wasn't working either. They said that they wouldn't work with me until I was behind on my payments, which made no sense to me. I had been faithfully trying to pay the card to not get behind, yet they were telling me nothing could be done unless I was behind. At that point we had to stop paying the card all together because our income was almost non-existent, so of course my credit has taken a bad hit. It was just discouraging to hear that they weren't willing to do anything to help us even after I explained the situation and had been committed to paying month after month.
Consumer complaint received 2018-01-11
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: DISCOVER BANK (MO)

ALERTS & HISTORY DISCOVER BANK obtained a copy of my XXXX Credit Report. 
Alert Date:XXXX2017 Source : XXXX Company : Discover Bank Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX phone number : no Phone number prone number ..DISCOVER BANK is in violation under the federal and state law, have NOT allowed discover bank to go into my credit report as a result of a loan or credit application. 
ILLEGALLY OBTAINED A COPIE OF MY XXXX  CREDIT REPORT. 
I have not givin Discover Bank permission nor i have not put in an application for any loans. im on XXXX .XXXX XXXX XXXXXXXX. this is my 3rd or 4th times this is and has happened ..intent to commit fraud to get my pvt.information that causes Idenity theft.