davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (OR)

A single individual claiming to call from Sallie Mae repeatedly calls me and asks to speak to either my father or my brother. I tell them that they live in a different state and to please stop calling me. This same person again called me today at XXXX.
Consumer complaint received 2017-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following inquiries on my TransUnion credit report does not belong to me. These inquiries are the result of XXXX security breach. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

MIDLAND FUNDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the about of {$1200.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I have been trying to become eligibile for the military benefit XXXX with Chase since XXXX XXXX! They are declining me because we do n't leave in a community property state, there are only XXXX. This is so disreseptful! 
Accordingly to the serviceman civil relief act, section102,  it is applied everywhere in the USA and is extended to spouses. I have sent copies for the XXXX and continue to be denied
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

I have been demanding to have these accounts removed with XXXX and experian, and they refused to do so. I have been in communication with XXXX and experian, they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf. They did not respect my rights to privacy, nor did the have any written instructions from me pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ). Please see the following XXXX accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit ADDRESSES THERE SHOULD ONLY BE XXXX XXXX XXXX XXXX XXXX XXXX ALL PHONE NUMBERS- EXPERIAN ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX card ADRESS THERE Should only be XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NAMES Should only be XXXX XXXX Thank you
Consumer complaint received 2017-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

I filed two disputes with PayPal and the people they have in place to resolve problems are from the XXXX and they can barely speak English. Also they do not understand the American culture. I had a problem with XXXX where they were to credit money back to my credit card and they never did it and it took PayPal employees from the XXXX about two weeks to understand what was going on after I made many phone calls. As of today I have a {$240.00} dispute with PayPal and its going no where because I have no way of communicating with PayPal employees from the XXXX.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I received a notice from Citibank that my account ending in XXXX was closed because of inactivity. I had no inkling that this was even a possibility until the account was closed. Citi notifies me all the time about all kinds of things, including their product offers, but never gave me an opportunity to use my account to keep it from being closed. When I called their customer service on XX/XX/XXXX, the representative told me that my account closure was irreversible and that Citi was under no obligation to notify me in advance. Ironically, they had just sent me a new card for the account they ultimately closed, further giving me the impression that my account was in good standing and not at risk for closure. 

This is no doubt incredibly frustrating news to receive because of the negative effect it will have on my credit score, but that 's only part of the problem. Financial services firms should not be able to take the drastic and onerous step of closing an account without first notifying the account holder and giving that person some time to rectify the situation. The CFPB has so many good policies in place to keep customers safe from unfair account practices, and requiring a company to notify account holders of potential account closer should be added to that list of protections.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

I opened a secured credit card with 1st Progress using my own {$200.00}. I used and made payments on this card for 10 months and felt like I shouldnt be charged how much interest I have been being charged especially with the money I am spending is money I used on my card. So I decided to make the final payment and was under the impression that this account was closed at that point. I recieived more late fees and interest charges and caused my balance to go up and them to report me late to the credit bureauas. This has caused tremendous damage to my credit and I am about to lose the home I have worked so hard to get into. They should not be reporting me late when I placed the money on this card that I was previously using and cause severe damage to my credit.
Consumer complaint received 2017-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 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 2021-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (MD)

Harris & Harris , LTD has committed fraud and violated my rights as a consumer. According to 18 US Code 1342 " Whoever, for the purpose of conducting, promoting, or carrying on by means of the Postal Service. '' Attached below is what was received by postal service mail. Also, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. I would like for this account to be settled and resolved to paid in full with a XXXX  balance.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MI)

XX/XX/XXXX, a XXXX XXXX sales associate told me I qualified for an upgraded XXXX XXXX credit card. I previously had an in-store use only credit card for XXXX XXXX. She did not detail that the upgrade would be a different credit card ( XXXX ) and only asked me to answer one question ( income ) and provide my license. I did not receive a new credit card in the mail. I did receive a new bill with the XXXX logo on top. I called to make a payment and asked about the CC on file. They apologized and said this is a common issue. Sales associates are not providing full details that the customer is signing up for a new credit card. I immediately paid the bill and requested it was cancelled. In XX/XX/XXXX I received a new bill which showed I had made a Payment and there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. I called, spoke to an agent and was told they would ensure the card was correctly cancelled. This month ( XX/XX/XXXX ) I received another bill which again showed I there were no purchases, fees or interest charged ; however, I had a new balance of {$2.00}. XXXX XXXX has mislead consumers. I have now requested three times to have my CC cancelled and yet they will not close it.
Consumer complaint received 2024-02-24
Product: Credit 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: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/year>, I noticed charges on my Truist credit card that I've never used before. First charge that happened on XX/XX/year> was {$400.00} and the 2nd charge that happened on XX/XX/XXXX was {$820.00}. Both of the charges were made for XXXX purchases. I called the Fraud department XXXX to notify the charges I didn't approve of and request to close the account. The person on the phone told me that the account is closed and the charges on credit should be disclosed. Then on XX/XX/XXXX the account that was supposed to be closed reappeared on my online accounts with interest fees. I called the Fraud department again and they said that the person I talked to back on XX/XX/XXXX didnt file the fraud claim. I asked for the reason and they couldnt provide the proper explanations. They told me that the claim will be submitted. And the charges and interest fees will be disclosed. I asked them when the claim will be finalized. They said they are not sure. After the phone call ended, the credit card account disappeared from my online accounts. Then on XX/XX/XXXX, the same credit card account appeared again with the same charges and more interest fees. I called the same department again and they said that the claim is still pending and I have to wait until XX/XX/XXXX to hear the result. They also told me that if the case didnt get resolved, call this number again. And if its possible, try to make a minimum payment. Why should I be making any payments on charges that I didnt approve of? And this whole case happened back in last year of XXXX and I dont see any reasons to take this long to respond. Each time I called the department, they gave me different answers. They are either clueless or just hang off on you. Truist doesnt care about their customers at all. And I am afraid that this case won't get resolved. Please let me know.
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Hello, I wanted to let you know about scam that I fell for with a debt company XXXX. They called telling me I could decrease my monthly payment by selling my loan to the DOE. They told me that I had to pay three installments of {$430.00} to allow the DOE time to sent up the repayment plan for me. Luckily, my parents happened to read an article on the XXXX and XXXX about potential praying on people struggling to repay student loans *I am struggling to repay and do need relieve from these large payment ). I am hopefully with in the three days the contract allows to cancel my contract. I just want to get the word out so others do not fall victims to these scams.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XXXX/XXXX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XXXX XXXX to XXXX, XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : sent companies identity theft, affidavit report, police report filed with the XXXX Police Department for fraud with all fraudulent accounts added to report. 

Spoke with representative XXXX XXXX from XXXX on XXXX XXXX they agreed to remove the fraudulent accounts, but they have yet to do so. 

Spoke with representative XXXX XXXX XXXX XXXX from Lending Point LLC he told me the account was taken out in my name by a XXXX XXXX XXXX. I do not know who they are nor did I authorize them to use my information to take out any type of loan. 

The loan that was taken out were done online electronically from Lending Point LLC by XXXX XXXX. My name is XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-03-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My complaint is the same as a previous complaint # XXXX. Bank of America indicated that they had made a notation on my account that I would be issued XXXX debit cards whenever I needed a replacement. When I called on or around XXXX/XXXX/16, I was told that I could only have XXXX card and that there was no notation on my account to provide me with an additional card. I am a XXXX vet and this is very XXXX to have to deal with this issue again. This type of aggravation seriously causes me XXXX.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XX/XX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XX/XX/XXXX to XX/XX/XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have almost 30 unauthorized inquiries from 7 different companies on my credit report consistently repeating from XXXX of 2021 to XXXX of 2021. I have listed the companies of the unauthorized inquiries below. 

1. XXXX XXXX 2. XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX XXXX I have attached an FTC report below.
Consumer complaint received 2021-06-23
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)

I had paid something toward the company and they reported it as a late payment when I paid something twice which mean I did not miss a payment at all and it ding my credit score and prefect history of on time payments when I have never been late
Consumer complaint received 2021-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FactorTrust, Inc. (TX)

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Consumer complaint received 2017-10-23
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. (NJ)

on XX/XX/XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into XXXX XXXX XXXX business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
XXXX did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to XXXX XXXX that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have contacted Experian, XXXX and XXXX over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX