davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX /experian XXXX XXXX has violated my rights. 
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 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-19
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. (FL)

This is a complaint against the Fraud Department of XXXX in XXXX, I am a victim of identity theft for more than two of us, and they have vcarion reports that I have sent to them, to dispute and to remove those accounts from my report, but it is who have said that the police report that I uploaded say they do not meet the requirements of the investigation department and that the police report is fraudulent. In other words, the XXXX XXXX XXXX Police Department, Fl XXXX, makes fraudulent reports the Experian fraud department. They are affirmed that this report is false.The accounts I am disputing are two ( 2 ) and one of them Experian is reporting double is XXXX XXXX # XXXX for an amount of {$16000.00}, and the other is from XXXX   XXXX  for an amount of # XXXX. These accounts do not belong they were not opened by me and this is why I go to the XXXX XXXX XXXX  so that you are witnesses that the department of fraud of Experian in XXXX do and say what they want at such level to discredit the police with fraudulent reports according to Experian. I invite the board or do not know which department receives these complaints, audit their employees and be more cautious when it comes to accusing and saying that a state police department makes false reports and that their officers are corrupt because they are pretending to do these false reports. As they say they are false, here I am going to ask that this department be contacted to see who is right.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WI)

Hi, I was on the XXXX  Website to book a flight and a special offer came up saying if I spend {$1000.00} Dollars in 3 months I get XXXX XXXX mile points. I found out later the amount was {$2000.00} dollars and they are not honoring the advertisement.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2018, attempted to close my business checking account at this institution via phone call. During the call, I was asked to verify the business address and provided the address for my business and the address used at the time of account opening in XX/XX/2018. Upon providing my address, rep informed me that address was incorrect. After a review of my statements ( which are received electronically ), noticed that at some point in XX/XX/XXXX or XX/XX/2018, this financial institution changed the address on my account, without authorization or notification. At no time did I make a request that the address on the account be modified or changed.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ON HAND. BECAUSE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.
Consumer complaint received 2018-07-17
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: PNC Bank N.A. (NJ)

on XX/XX/XXXX i noticed 2 purchases on my pnc card i did not make i was not in NJ, do not go to those stores and my card was at home locked up while i was in texas i called on 7-8 and to this minute the charges still appear on my card ending XXXX  in amounts that are clearly suspicious please get back to remove them i am not paying them i did not make purchases. i am tired of red tape
Consumer complaint received 2020-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (IL)

This loan was taken on XX/XX/XXXX, I filed chapter XXXX bankruptcy in XXXX. This loan was paid off in this bankruptcy and the company was contacted by the law firm that represented me. I found out this year the loan is still open under my name, I contacted this company to find out why. The first representative was very rude but I was told the loan was closed and discharged due to bankruptcy I asked her to please forward this info to the state and I was told have a nice day and hung up on. I called again and I was told they never received information about my bankruptcy and was I sure I added them to it. I told her yes and she asked me to send over paperwork which I did. I called this morning and was told that I need additional paperwork. This is ridiculous bankruptcy is public record I have all my paperwork and should not have to jump through hopes to get them to follow the federal laws. I am very upset.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (PA)

The selections stated are not accurate but the best answer with the selections given. 
TD Bank Retail Services is doing the financing for XXXX. 48 months no interest, minimum payments. XXXX requirements is your Billing and Mailing address must be the same. That is not possible as the community I live in does NOT receive XXXX mail. They will not accept XXXX XXXX. I call XXXX and there is nothing they could do. Also due to COVID-19 I am not in primary residence. The TV was not for my primary home either. I was told to call TD Bank and have them update my address. TD Bank Retail Services Number XXXX. You try calling to see if you can get through. How can they be in business if they don't pick up the phone and assist their customers? No email either. Only XXXX. I spoke with XXXX # XXXX. The only person I spoke with he called me and advised me to place the order and then change the address. 
from XXXX on hold each time 4-5 hours, NEVER spoke with someone, always disconnected. TD bank could no update my address until I have an account. The only way to have an account was to place the order. I was told by TD Bank to place the order and the call back to amend the address. I called and called 5 times all on hold 5-8 hours and NEVER speaking with someone from XXXX. The items were shipped before I could speak with anyone. I am 125 miles away form the shipping address and out of state. Many restrictions on leaving and entering states ( NY, NJ & PA ) Also the TV was too big to fit in my car and drive it back 125 miles. The address was finally updated after the fact. I had to get some to return the items for XXXX shipping. Not an easy task at all. Also the delivery was restricted so I could not change the delivery address nor could XXXX. I called many TD offices, and department and nobody could help me except that department " TD Bank Retail Services ''. They did not have an internal number to call so a few kind individuals called on their line while I was on hold. Again could not speak with anyone. I had to wait until the products were retuned so I could re-order. Now I have the bill with the incorrect amounts with late fee. I want a refund of the late fee. I have been on hold now for 2 1/2 and I am hanging up. I have contacted TD Bank again thought XXXX now was well.
Consumer complaint received 2020-11-30
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)

I have had issues with Transunion before and again the worst possible thing has happened. 

I got noticed on XX/XX/XXXX from XXXX XXXX that my CS had changed drastically so when I went to look under Transunion it showed someones BANKRUPTCY listed on my account. I have been beside myself. Without much info I did my own research to find out who this bankruptcy was attached to. Transunion refuses to do anything but make me wait 30 days to maybe get this fixed. They have added the info on fraud and freeze but are demanding I send in info, documents to prove to them that this is not my bankruptcy. I mean really how does one prove this?? In the mean time the website will not allow me to upload any documents or anything of the info I have found. This has ruined my life and it is only day 4 after a holiday of trying to get this fixed and this is ONLY with 1 credit bureau at this time as Transunion is the only one that is showing the info so far. This morning I noticed that Transunion even had the gaul to add this mans names under my section " also goes by '' I mean really how can they do this and get away with this? 

I have contacted the lawyer for the man who the bankruptcy belongs to and he refuses to help me. He said that he has a SS card and DL for the man who the file is attached to. SOMEONE has made a mistake. I really want to believe it was just some type of typo but it non the less has been reported to the police as a fraud, I have put freezes and fraud alerts on all 3 credit reports as well. Transunion told me that got the info from the court in XXXX well if they reported it to them it will more than likely show up on the other 2 credit reports too. What a NIGHTMARE this is. I can not get help really from anyone..I mean I just don't know if this man is using my SS # or what. No one can help me and of course I do understand about security. 

As stated I was able to get the info for the man who the bankruptcy belongs to as this has not been filed with the BK court in XXXX XXXX county. 

Transunion made this mistake I do believe by pulling a last name and the last 4 digits only of info. The bankruptcy persons SS has the last 4 digits is the same as mine, his first name is very similar as mine, last name is the same as mine, but again I do not know what the deal is or WHY they would put this on my page at random and ruin my life. 

Oh and they still have not removed this mans name off my account. This is the bankruptcy guy..I do not have his email or phone number..His bankruptcy info is a matter of public record is some info has been covered for security.. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Please help and again please reach out if you need anything. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We submitted an application for a loan modification to Wells Fargo. They denied it because they would not allow statements from the borrowers XXXX XXXX  account by XXXX XXXX to be used as a source of verification of rental income the borrower receives from her daughter. The borrower does not have a traditional bank account. She uses a XXXX XXXX card and a XXXX XXXX XXXX  card to handle her financial transactions. Cash app is similar to the XXXX XXXX offered by Wells Fargo that allows a person to instantly send and receive money from one person to the other without the need of a wire transfer. Wells Fargo would not tell us why the funds couldn't be used in spite of the fact we provided statements from the borrowers XXXX XXXX. account showing receipt of funds from the daughter.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (GA)

I asked the credit bureau to verification on everything on my credit report. 
They replied back stating that every thing was accurate. 
I did research myself and fought improper inaccuracies on my reports. 

1.XXXX : XXXX Account type is incorrect. 

2. XXXX XXXX XXXX : XXXX Number of late payments reported is incorrect, Update to never late. 

3. XXXX : XXXX I was never 30 days late on this account, Please update to paid /never late. 

4. XXXX XXXX XXXX XXXX The account balance is incorrect. 
5. XXXX XXXX XXXX  : XXXX The payment status is incorrect /High balance is in correct.

6. XXXX : XXXX The first date of delinquency is incorrect 7. XXXX : XXXX I was never late during the months shown, Please update to never late. 
8.XXXX XXXX XXXX XXXX Account is OPEN 9. XXXX XXXX : XXXX THIS Account was paid in full BY XXXX a letter was furnished from the company to the three bureaus.

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (SC)

The date of collection reported on my credit is inaccurate. I spoke to XXXX XXXX XXXX on XX/XX/XXXX in reference to account # XXXX and the collection date should be reported as XX/XX/XXXX.
Consumer complaint received 2023-01-11
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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (GA)

Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (PA)

XX/XX/20 WAS CALLED ASKED TO BE NOT CALLED AGAIN BY RUDE PERSON. XX/XX/20 WAS HARRASED AGAIN BY COMPANY TOLD THEM YOU I WAS NOT TO BE CONTACTED AGAIN THEY REFUSED THAT WAS PLACED ON DO NOT CALL LIST BUT THEY RECORDED BOTH PHONE CALLS.
Consumer complaint received 2020-12-08
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 (TX)

CAPITAL ONE {$800.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Revolving account Usage : 73 % Balance on XX/XX/XXXX Credit Limit {$800.00} {$1100.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - XXXX - - FCRA violations never late prove with wrong address and accounts
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (GA)

I received a copy of my Experian credit report, report # XXXX for XX/XX/XXXX. The credit report showed a Chapter XXXX Bankruptcy public record and a comment stating the Information was published by XXXX XXXX. I sent a letter to Experian disputing the Information being furnished by XXXX along with a copy of a letter from XXXX dated XX/XX/XXXX confirming the security freeze that was placed on my account. I also included a letter from US Bankruptcy Court XXXX District of Ga dated XX/XX/XXXX confirming that they do not report to a credit reporting agency. I received an email from Experian on XX/XX/XXXX stating the Information was verified as correct and will remain. I believe their investigation was invalid. This Information could not have been furnished by US Bankruptcy Court because they do not report to a credit bureau, nor was the Information verified by XXXX due to a freeze that I have on my account. I respectfully ask for your assistance in helping with this matter. 
Kind Regards, XXXX XXXX XXXX ss # XXXX DOB- XX/XX/XXXX XXXX
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I got approved for a {$500.00} Credit Card from Capital One. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the Capital one App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

Debt was a result of identity theft. A police report was filed in 2015. It was submitted to the original people ( XXXX XXXX ) as well as several others that were fraudulent. It was already removed from my report. Somehow several collection companies including this XXXX Midland credit management, keep reopening this fraudulent debt and have been harassing me with mail and calls. I have told them to stop, they will not stop and refuse to stop. I just called again today and they argued with me and told me they were not going to stop.
Consumer complaint received 2020-07-15
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: States Recovery Systems, Inc. (CA)

On or about XXXX 2020 XXXX reported to the credit brewery or their recovery which is states recovery system that a balance of {$1300.00} was old I never opened this account this was not authorized by me or no one had authorization to sign me up for their services which I believe was some energy service or utility bill
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

My student loans that I pay {$290.00} per month for are currently {$62000.00} which they have remained steadily for at least the past year. The company states paying {$290.00} per month of the loan will result in it costing me {$120000.00} overall. I have not missed a payment in years yet it grows higher and higher. The applied my entire last years payments to interest only ( without giving me any option ) and continued to compound interest of my FELP loans as well as my subsidized and unsubsidized. I have been on autopayment for 2 years in order to get an interest reduction but was penalized when I cancelled it for one month. I am not on the lowest plan and in fact am on the middle of 5 plans.