davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My problem has to do with customer treatment at Chase Bank branches. I have good reason to suspect that I am often profiled and treated with more suspicion than other Chase Bank customers by Chase employees and Chase security guards, especially by the security guards. When I am in any part of a Chase branch conducting business, the security guards pay more attention to me, even when many other patrons are present, sometimes even coming out from a room when I enter the branch. This has been ongoing for many years or decades but became worse in XXXX or XXXX.
Consumer complaint received 2020-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

Navient had agreed to suspend payments and interest due to CoVid-19. Just now, they not only started charging again but also never even notified me they were going to start creating a late payment. Even on their own banner on their own site and app, it says in plain writing that they are suspending payments and interest until XX/XX/2020. So what is going on?
Consumer complaint received 2018-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC. (TX)

Hello. This is in regards to Caine & Weiner. As a debt collecting agency, they are attempting to collect a debt for a debt that was included in a bankruptcy. I have called, written multiple letters, and even provided them with a copy of my Chapter XXXX discharge paperwork. 

I have requested a copy of proof of debt and/or a reaffirmation letter which would have excluded this debt from my bankruptcy. All of my requests have been ignored. 

I have also disputed this item in writing with all three credit bureaus and the outcome is always the same. Account included in debt or updated. 

This is inaccurate. I do not have a debt with Caine & Weiner, therefore the credit bureaus should not be allowing this account to update. My debt was with progressive insurance and because it was discharged via Chapter XXXX, Caine & Weiner should never have received this debt. 

Caine & Weiner, XXXX, XXXX, and XXXX ALL have failed to provide with documentation validating this debt. The ONLY validation would be a reaffirmation agreement between myself and XXXX, approved by the bankruptcy court. Again, they have all failed to comply and have completely disregarded my requests. This seems as a direct violation of not only 11 U.S. Code 524, but of my rights as a consumer.
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (FL)

{$920.00} from XXXX XXXX XXXX  XXXX and Equifax and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA
Consumer complaint received 2018-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A. (NC)

Friday, XX/XX/XXXX, I drove from XXXX, NC to XXXX, NC to set up a deposit and automatic draft account with XXXX XXXX XXXX who is renting business and residential space from property owned by my sister, XXXX XXXX, of XXXX and myself. We arrived around XXXX to PNC bank to set up the automatic draft. There was a teller and a customer care representative working. The teller, who was also the manager, told us that we could not be taking care of until XXXX. I told her we would wait for the representative to finish with their customer. She replied that the representative would be leaving for lunch and when she returned the teller/manager would be leaving for lunch. I had yet to have anything to eat. The lack of customer service and indifference to our time and a three hour return to XXXX was incomprehensible to the client and myself. My sister handles this account for our farm property. XXXX XXXX had a {$9000.00} dollar check to deposit. He said he had been there three other times to set up the automatic draft and they were unable to help him. I do not have an account with PNC Bank nor do I ever intend to. I have asked my sister to establish an account in another bank who has proper respect, concern, and time for their clients. They get a F plus for customer service. Respectfully, XXXX XXXX
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-11-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SHABANA MOTORS (TX)

On XX/XX/XXXX of 2022 someone used my identity to get a loan for a car I want to request the title and my money back as of code 15 us 1635, code 15 us 1605, code 15 us 1662 and code 18 us 1028a in the truth in lending act regulation z 15 USC 6801 15 USC 6802 15 usc 6803 15 usc 1681b 15 usc 1681n 15 usc 1681
Consumer complaint received 2018-03-08
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: Experian Information Solutions Inc. (IL)

I am requesting the removal of two judgments ( listed below ) from my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX Al., v. XXXX XXXX XXXX , XXXX. I requested in writing and over the phone on MULTIPLE occasions over the last year and I still have not received anything. Today, XX/XX/2018 at XXXX on a recorded line I spoke with XXXX in the special service department who told me, 'Experian can't give me any documentation supporting their verification and I must get it directly from the creditor ', who has already put in writing that they did not verify anything with any CRAs. I do not know the source of their verification information on these bankruptcies and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please  remove these bankruptcies as soon as possible. 


Since this is a request and not a dispute, I would like to receive confirmation that all bankruptcies listed on my credit report have been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

I was contacted by " Receivables Performance Management '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/XXXX and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from XXXX XXXX try to collect on the same account. I immediately called them and told them about RPM and the settlement. They told me they would look into it in contact me. I got on the phone and contacted RPM and I was told they were going to have to pull the voice recordings from XX/XX/XXXX. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and RPM and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report XXXX XXXX is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Carter-Young, Inc. (GA)

On XXXX XXXX2020 I notified XXXX  of an invalid account on my credit file. The account is identified as Carter-Young INC. Under federal laws and FCRA guidelines section 609, I requested XXXX to investigate the account for validation and accuracy. XXXX exceeded the 30 investigation period therefore XXXX is in violation of FCRA section 609.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This company calls and harasses my home and mobile numbers several times every day from many, many different spoofed phone numbers. I have no - and never have had - any legitimate business dealing with them. I have asked them to stop calling, and they will not give me any information nor will they stop calling. They call all day long, from different numbers, sometimes calling both my home and mobile numbers at the exact same time.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IN)

got a promotional store card through wells fargo on a 36 months no interest. i get a minimum payment of {$77.00} then a year later i purchase another item. then i get a minimum payment of XXXX which is fine but then fast forward a year later and wells fargo is saying the purchase the year prior had a 12 month 0 interest and the promotion is gon na run out but yet they make me pay combined payments with 2 separate promotion periods. they act in bad faith by not allowing me to pay each item off separately so i cant allocate my own money. and with the credit card being a 36th month card promotion, they act in bad faith by not honoring that card.
Consumer complaint received 2018-07-29
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: Convergent Resources, Inc. (KY)

There was a XXXX account that I had no knowledge of that was put into collection in XX/XX/XXXX on my credit report. When the original account was opened I wasn't even of age to being building personal credit. In XX/XX/XXXXI contacted the company to do a pay for deletion and to have these items removed from my credit report. Once the amount was payed in full the collection was only deleted from my XXXX  credit report and not my XXXX. I've contacted the company and credit bureaus since the XXXX removal to get the XXXX  collection removed with no success.
Consumer complaint received 2022-05-02
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX I paid my Macys credit card off as agreed and they still have refused to remove it from my credit report after being told that they would over the phone. I have made disputes and it is still there. Also, I am unaware of XXXX XXXX XXXX inquiry on XX/XX/XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

As XX/XX/year> I have sent in letters and proof of my address and Drivers license and still TransUnion is reporting inaccurate information on my credit report that will prevent me from future lending. TransUnion is reporting XXXX XXXX on my credit report with no account number to identify this Derogatory account is false reporting and this account is not attached to any address on my credit report. I've uploaded showing that XXXX, XXXX doesn't show this Derogatory account on any of my credit reports. This is false reporting and I'm tired of reaching out by mail and getting no response pass their 30 day response. I request and investigation into TransUnion this is 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] TransUnion continues to still report false information and refuse to remove this Derogatory off my credit report. If TransUnion continues to report inaccurate information I will file a report with the FTC as fraud to my credit report.
Consumer complaint received 2018-03-07
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: Experian Information Solutions Inc. (WA)

I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, Experian XXXX, XXXX XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
Consumer complaint received 2018-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, XXXX XXXX, Transunion XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (MA)

I gave them a call today at DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX ) XXXX They said they have no record of me in their system.
Consumer complaint received 2018-07-29
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. (AZ)

on my credit report it says that i opened 2 credit cards in XX/XX/XXXX and never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX in the XXXX XXXX XXXX  XXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, trans union, and several times with XXXX  in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. XXXX has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to XXXX  's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.
Consumer complaint received 2018-02-16
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. (MS)

My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to Experian & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
Consumer complaint received 2019-03-20
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. (PA)

On XX/XX/2019 I recieved an alert from my credit monitoring that a hard inquiry was put on my Equifax credit report. I did not at any time apply for credit with XXXX XXXX  or otherwise authorize this. I called XXXX XXXX at the number listed on my credit report ( XXXX ) and was connected with the application department. The person I spoke with verified that someone did apply for a credit card in my name, however the application was denied as " none of the information matched up correctly '' and the system flagged it as fraud. I immeadiately filed a dispute with Equifax, the next day ( XX/XX/2019 ) I received a response that the investigation was complete and it was verified as accurate. I called Equifax on XX/XX/2019. The representative said they " sent an electronic message '' and that it came back as verified. I explained the call I had with XXXX XXXX  and how they confirmed that it was fraudulent and requested they call XXXX XXXX and speak with the applications department to clear this up. Both he and his supervisor refused. Afterwards I called XXXX XXXX since the inquiry came from one of their partner programs. No one there would assist with this, they only told me I would have to mail proper documentation to their credit reporting department. Considering they already have definitive documentation proving this is fraud I find this response to be unacceptable. My wife and I are in the beginning stages of closing on our first home together and I refuse to allow an act of fraud to derail this for us.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I have a problem with USAA and my credit card I have a limit of XXXX I was fine until XXXX of XXXX then from XX/XX/XXXX to XXXX of XXXX they are charging Late fees high interest charges on my credit card which they created they have racked up XXXX on my account and trying to get me to pay for there charges and telling me I have to pay them more money. I bring in about XXXX XXXX to pay my bills with I had everything caught up and made a allotment with my bank to send them 50. a month. I have talked numerous times to them taken the questions to make payment adjustments as I can not pay any more then 50.00 and they say that I do not qualify for any of there programs to take care of the mater instead Im getting Harrasing phone calls daily and threating letters say they are going to ruin my credit and taking my credit card and reporting me to credit bureau for delinqent for charges I never ran up. I told them that if they were not going to help me and remove the charges and late fees interest fees they will only get the 50.00 and I will not pay them any more money then the 50.00. I will not pay there late fees and their interest changes I can not afford to pay any more then what I do and they continue to add charges that I didnt occur. that is wrong why should be stuck with there greed?