davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

This relates to Complaint # XXXX. Portfolio Recovery called from another number today. When I block XXXX number they call from another. I have no debts. I pay credit cards within 30 days by autopay from my bank. I am in good standing with all my credit card companies. I do not have a mortgage. I would like these harassing calls to stop.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act ( XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (FL)

This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. 

I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.
Consumer complaint received 2017-12-04
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. (MO)

I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2017-12-04
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. (MO)

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2018-01-10
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. (FL)

Experian is taking advantage of military families, by not allowing me to do an online credit freeze. They have instead insisted on a complex mail it in process, that does n't really spell anything out or provide any forms or assistance. I 'm XXXX, this is horrible customer service. I just want a credit freeze, and they are making it impossible for me. This should be banned, as a predatory practice and should be unlawful. I do n't want them monitoring me to begin with. Now when i try and take some form of control and protect myself, I ca n't.
Consumer complaint received 2018-01-10
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. (KS)

XXXX 's client XXXX XXXX is an ID theft victim ; his information was used fraudulently to apply for several credit and communication accounts. During the process an address was found associated with these applicaitons in his Equifax credit report. An official dispute of this information was sent to Equifax XXXX/XXXX/XXXX ( ticket number XXXX ) however a credit report received XXXX/XXXX/XXXX Equifax is still listing the address. 

XXXX XXXX XXXX XXXX XXXX MN XXXX ( this is the fraudulent related address that is to be removed from the Equifax credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

i was a victim of identity theft by a person who used to reside in my home and had access to my information it has been reported and flagged i tried to notify the company i saw on my collection for a credit card i did not use /have and they disregard me saying i meet the requirements of the charge and it will remain on my credit till i pay this off. i have done all the steps during this time and they are not willing to look into this matter to delete these fraudlent charges from my credit
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (IL)

I was a victim of identity theft inXX/XX/2016 whereas an application with XXXX XXXX  for 1 credit card became a 39 inquiries and 22 credit cards mailed, applied over and over again. I had my mail and ID stolen for over a year. When contacting the company for over a year I was assured all accounts were closed. I spent over {$600.00} dollars in applications, monitoring services with all credit bureaus. I had over 5 police reports filled and shared with banks, credit bureaus and FTC report in order to stop the abuse. When calling the company it was like I had had never called them to inform of the theft and after the XXXX data breach this closed accounts started showing up in my credit decreasing the credit report from 850 to 450 ; According to State Laws across the nation when such theft occur all account and related credit cards must be closed and removed from the credit report for a period of 10 years. I can no longer afford to spend an average of {$30.00} dollars a month mailing this police report and requesting the removal ad blockage of this cards according with FCRA consumer credit laws.

When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B ; There was a failed to communicate information within each phone call, each mail of police report.

After reaching the toll free number and speaking with 28 representative they couldn't locate most of the credit cards through the social security number, and I was told : __ Wait there is another consumer with the same name and same accounts but your social security number does not match. That is when the XXXX XXXX XXXX was announced nationwide.

That said, the whole experience was rattling. I can't imagine what a mess it might have been if I had not inadvertently checked the account day by day and spent {$300.00} a year in monitoring services with the credit bureaus, and if additional charges were racked up, wiping out the account, credit cards showing up in the mail after a year.

My vehicle registration, my auto insurance with XXXX   and personal mail were also affected by the mail theft ; When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol One Bank is, creating debits and credits in my account to over charge. 
I disputed a charge of a company, because I did not order the product. The bank gave me the Credit. The company returned the money to the bank, therefore my account was left in the correct amount. Now the bank is charging me again for the said amount with the excuse that they gave me double credit. 
If the bank gives me a credit of {$500.00} and I use {$300.00} What I actually owe is {$300.00}. 
plus given rate percentage. 
I need help because this is a clear, game of fraudulent numbers that the bank is using to create profit.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I use my XXXX Rewards ( XXXX ) administered by Chase for my hotel stays. 

During my membership Chase offered a 0 % interest on balance transfers. I took advantage of that option ; however, it was not fully explained how payments and interest would be applied after the balance transfer. 

Facts not previous explained in terms that are understandable : - I will ALWAYS accrue interest on my purchases regardless of paying that amount prior to statement close date - any payment I make over the minimum pmt due does not get applied to interest bearing purchases, it pays down the 0 % interest balance until after the statement close. 

For example : Stmt date : XX/XX/XXXX Minimum pmt due : {$110.00} Purchases on XX/XX/XXXX in amount of {$800.00} and XX/XX/XXXX in the amount of {$300.00} started accruing interest and could NOT be paid until after the XX/XX/XXXX stmt date. 

I have to make 1 payment in the amount of the minimum pmt due ( {$110.00} ) plus the purchases ( {$1100.00} ) plus interest ( continuing to accrue until paid ) all in 1 transaction. If I pay the minimum payment due ( {$110.00} ) on XX/XX/XXXX and then the purchase amt ( {$1100.00} ) plus interest on XX/XX/XXXX, the cc company will ALWAYS apply the 1st {$110.00} ( even though it has already been paid ) to the 0 % interest balance and short my purchase amt accruing interest at 24 %. In order to get an accurate total amount due to avoid interest, the consumer must call in to ask for the exact amount that will need to be paid that day since interest continues to accrue daily. 

These are highly complicated payments structures that the average consumer can not fully comprehend and there is not transparency or visibility on the monthly statement which clearly identifies what amount should be paid, so that no additional interest will be accrued. 

The CFPB needs to step in to STOP this horrific interest scheme and force the cc company to always apply the payments to the highest interest rate 1st ( including the minimum payment due ) and stop the accrual of interest until after statement due date. I thought we the credit card reform act had accomplished that very thing, but clearly the cc companies found this loop hole or are not following the spirit of the regulation.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. 

Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is in response to the complaint I filed : XXXX about Capital One. Capital One has frozen my bank account and I have no access to my money. I haven't eaten in five days as a result. I am about to die of starvation. By the time Capital One clears up this case I will probably be dead.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under 605B, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation
Consumer complaint received 2018-01-10
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: ENOVA INTERNATIONAL, INC. ()

Hello, I am a XXXX, and got an email from CashNetUSA on XXXX XXXX, XXXX for someone else -- her name is listed in the email -- advising she was denied credit. I can only presume this person filled an online application out and made a mistake in the email address -- so it came to me. 

I emailed the company to advise of the issue, presuming they would contact the applicant. 

Instead, they sent a further email including the person 's credit score and reasons she was denied credit. This is a huge privacy breach, and while she may have made a mistake in typing her email address on the application, I emailed them specifically to advise of the mistake and whatever system they have in place replied with personal information that I should never have seen. I do n't know the applicant and do n't have enough information to find her and inform her of this issue, and the company wo n't respond, so I wanted to let you know as this is something I 'd be concerned about if the tables were turned.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I lost my job due to covid, one week after the purchase of a new vehicle. I was diagnosed with XXXX XXXX, and as a result my employer will not allow me to return to work until I receive a vaccination. I called Chrysler Capital on or about XX/XX/XXXX to request payment relief under the cares act due to my inability to make my payments while out of work. On this call, the representative asked me numerous questions relating to my health, condition, and specifics on my ability to work. She made reference to the fact that I could get another job, and actually asked if I was trying to find work. At the end of the discussion she said that I didn't qualify for any assistance because I had not made a payment towards the account yet. She also said that the account was 'too new '. I raised the concern of why I was being asked a litany of health related questions if I was being denied by default on unrelated issue- the account being too new and I had not made a payment yet. Two factors that preclude me from qualifying, which the creditor knew before I even called them, yet the woman asked numerous personal questions. 

So I borrow {$1700.00} from family members so I can make the XXXX payment. 

On XX/XX/2021 I called Chrysler Capital again, to request a payment deferment. AGAIN, a litany of personal and health related questions. I was denied, again, because the account was too new and this time also, because the account is not past due. It's not past due because the last representative said I had to make a payment in order to qualify for a loan deferment, so I borrowed the money!! These, again, were factors that the creditor knew before asking personal questions about my condition, my financial status, and my ability to make a future payment. They suggested a surrender of the vehicle if I am not able to make a payment until XX/XX/XXXX. I told them that was unacceptable and they said that I knew the risks of buying a vehicle in XX/XX/XXXX during a pandemic that I may lose my job and not be able to make payments. They said I did not qualify for any loan deferment options, but that they could give me a few extra weeks to make my XXXX payment, with added interest and fees to do so. 

This creditor harassed me on the phone, two different times, asking me questions about my health, ability to work, and criticizing my judgement of purchasing a vehicle form them during a pandemic, and then losing my job ( totally outside my control ). 


XXXX
Consumer complaint received 2018-01-10
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: AMERICAN EXPRESS COMPANY (CA)

on XXXX XXXX they suspended my account saying it was a charge back from my funding soues which it was not i could notb access my account at all no statement no online no information in reference to the the section 22 D could not proof this happen still have n't sent me my money i sent them documentation this did not happen still have my account block
Consumer complaint received 2017-12-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I took a private loan for about {$8000.00} private loan and some federal loans. My private loan doubled in interest. Reps were very hard to work with, no empathy at all. Borderline harassing and threatening calls.I have tried to lower payments and get a reasonable monthly payment to repay with no luck. My credit is now damaged and my wages are garnished. I can barely make a living.
Consumer complaint received 2020-10-16
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 (LA)

My account was frozen by ReliaCard for identity verification. I called the company to try to resolve the issue and was told to fax in a copy of my social security card and ID and it would be unfrozen in 3-4 days. I did as instructed and a week later it was still frozen. I called again and was told to fax in my social security card, ID, and W2 forms. I told them I lost my W2 forms in Hurricane Laura and faxed in the other documents a total of 3 times. It has been over a month that it has been frozen and they will not help me resolve it. My XXXX  fianc and I are having to live in a home with black mold and a collapsed roof due to not being able to access the money in my account.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

XXXX XXXX XXXX is reporting a debt that I do not owe. I have disputed the debt with the credit bureaus. They have failed to validate the debt as mine yet they still attempt to collect the debt and threaten to ruin my credit history. This is having a negative impact on my credit history.