davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (AZ)

In XXXX I was feeling lonely and was on multiple dating websites. One of them was XXXX, and I had been chatting with someone in the XXXX. One thing lead to another and they took a video of me XXXX chatting with them. They wanted me to pay to get it taken down, and managed to get {$500.00} out of me. Well I eventually blocked them and reported to XXXX XXXX, and the transfer sites that it was a fraud. Well, come to XX/XX/XXXX I was contacted by an email claiming they were the Supreme Court. They had me pay {$4600.00} for a bond fee on XXXX second to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had stayed in contact with them for a few more weeks trying to see how the case was doing, and then they had me pay an additional {$2000.00} as a restitution fee. This was paid to an XXXX XXXX who banks with TD bank. After I paid this fee they never contacted me again. They seemed legitimate, and I believed every word at the time.
Consumer complaint received 2018-12-24
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: JPMORGAN CHASE & CO. (TX)

On or about XXXX XXXX, a complaint was submitted to XXXX related to Chase Fraudulent reporting of their failures pertaining to the internal financial reporting. A report on fraud was reported for the sum of {$240.00}. On or about XXXX XXXX provisional credit was applied in that sum but balance was never adjusted. On XXXX XXXX the fraud department called claiming duplicate provisional credit was applied which, Chase took back the provisional credit after XXXX sent the money back to my credit card. During the reporting month only {$310.00} was utilized for credit spending plus {$200.00} was paid by myself with credits of {$44.00}. from XXXX. So, from the time of the credits posting on XXXX XXXX and close of statement date this was the statement date which my balance was {$1700.00}. reported by chase however, {$310.00} was used after XXXX XXXX a payment for {$100.00} made on XXXX XXXX. The credited used prior to XXXX XXXX was {$310.00} and XXXX XXXX Chase bank fraud called stealing {$240.00} stating duplicate provisional credit which I never recieved leaving me on XXXX XXXX statement close at {$2100.00}. CHASE BANK COMMIT FRAUD BY STEALING THE CREDIT BACK AND THE EXECUTIVE ASSISTANT XXXX STATES NO CPA, NOR THE PRESIDENT OR CFO or CEO will deal with this problem. XXXX has no degree in finance or is a CPA and she stated the CEO has put her in charge to make the decision and she is the highest it will go to. SO CHASE BANK CEO HAS PUT UNEDUCATED PEOPLE TO DEAL WITH PEOPLE 'S MONEY. THIS SHOULD ONLY TELL CUSTOMERS THAT THE INVESTORS AND SHAREHOLDERS DONT CARE ABOUT WHATS GOING ON AND XXXX is only helping them by checking in or providing the proof on what the company 's trying to defraud customers about.
Consumer complaint received 2022-04-16
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NH)

I have a Barclays Credit Card USA Barclays,. XXXX XXXX XXXX XXXX, DE XXXX. 

I have had the card for 9 years and use if for every purchase I make. I have always been successful at redeeming my miles to use for airline travel. I am a customer in good standing and have excellent credit status. 

On XX/XX/2022, I purchased an airline ticket from XXXX in the amount of {$1100.00} with my Barclays Credit card. I had XXXX miles. Barclays awards {$100.00} per XXXX miles as a Travel Statement Credit. 

On XX/XX/XXXX I submitted my miles for redemption. A week later I noticed that my reward miles amount had not changed. 

On XX/XX/XXXX I called to inquire why my rewards had not been redeemed. I was told by the customer service agent that he would adjust my miles accordingly and I would be awarded {$1100.00} as a travel statement credit within that statement cycle. I was not. I called to complain. The customer service agents did not apply my statement credit again. 

On XX/XX/XXXX, I tried to redeem my miles again. I got a " congratulations '' confirming that my miles had been redeemed. See attached. However, the amount of my miles did not change. Again I was not awarded my travel statement credit in the amount of {$1100.00}. 

On XX/XX/XXXX I called to ask why Barclays was not giving me my Travel statement credit. I was told it would need to be investigated by the rewards department why. 

On XX/XX/XXXX after numerous calls I was finally awarded a case ID number XXXX. I was told it would take 7 - 10 days or even 30 days for investigation. It has been 30 days and I have seen no correspondence from Barclays as to why they are refusing to give me my Travel Statement Credit. 

As of today, XX/XX/XXXX, it is listed on my Barclays account I have 28 days left to redeem my miles against the XXXX purchase. After that the chance to redeem expires. 

Are Barclays ever going to honor their agreement and give me my Miles? 

This has been a cause of great frustration and stress. I am not sure why this needed to be investigated. I should be able to call customer service, they see I have above and beyond the miles needed. This has taken up so much of my valuable time to file this complaint.
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (MI)

XXXX XXXX put 10 inquiries on my credit report and I only applied one time on XX/XX/2022 I have not applied to any company and I have unverified inquiries on my report. I asked for them to remove the inquiries and they did remove any inquiries
Consumer complaint received 2022-08-12
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. (NH)

XXXX XXXX XXXX employee at XXXX XXXX XXXX XXXX on XX/XX/XXXX there is nothing affecting my credit score. XXXX first told me there's XXXX items. I asked him if he can please assist me with the items to see if there mine. he was XXXX never got a direct answer for 1 whole hour we got nowhere. XXXX XXXX informed me we dont get confirmation number aftre i filed my dispute? i just got a big headache basically he atlas refused to help me by confusing me. on XX/XX/XXXX my score was XXXX my score has not improved. the same things that were on my score in XXXX XXXX XXXX are all the same but nothing there should affect me? Never had a credit card just chime. chime is a secured acct Iam on safer credit building but have not gotten XXXX increase on my score. i tried to get a mortgage from the first-time home buyer XXXX hit me with that with that immediately affected my score without a chance. Inquiries in report that should had fallen off have not yet fallen off. XXXX refused to assist me with that. XXXX deleted XXXX back on XX/XX/XXXX file # XXXX they added it back on XX/XX/XXXX, XX/XX/XXXX i reached out to XXXX myself where they XXXX mailed me a copy of the letter to all 3-credit bureau dated XX/XX/XXXX where they told the reporting agency 's it was en unauthorized credit application telling the reporting agency to update the inquiry to a soft inquiry which they never did they continued to refuse to do as told. i will like to ask to have someone pull up XXXX XXXX conversation of nothing. XXXX has been punishing me for years with items they/ where not mine as of today my score went down XXXX point and never went up for 3 years because XXXX has been refusing to comply to the law by neglecting to do as told. XXXX refuses to give me my credit report acting like its been lost then saying i need to verify my identity removed freeze requested by me for only XXXX week. the other XXXX reporting agency did as i requested but XXXX felt again that they don't have to follow policy alert and never ut back freeze. i like to ask for en investigated to please look at all my score inquiry only XXXX percent of XXXX 's claims are mine ive disputed many they were unverified and should had follow policy and removed them there's things on there for XXXX plus years. after this investigation i will be looking to seek legal action if not corrected immediately. 
XXXX dropped my credit score XXXX points on XXXX falsefully on a secured credit building card XXXX in safer credit building chime. chime has no reported credit limit. XXXX and Equifax are XXXX my credit score. i disputed this with chime as well and it went in my favor because i am protected by chime with safer credit building. the reporting agency have no respect fot the code of conduct the law or care to follow policy do not feel safe with them on my report
Consumer complaint received 2022-08-24
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. (PA)

I contacted Experian regarding unauthorized inquiries contained in my consumer credit file. I spoke with a representative, informed them that my federally protected consumer rights were violated in reference to 15 USC 1681e. I never authorized my credit to be pulled by XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX )XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ). As Experian shopped my information around to their potential investors, my consumer rights were violated in accordance with the FCRA section 1681b ( c ), in addition to a huge breach of my privacy rights. Experian did not remove these inquiries, causing me actual financial damages.
Consumer complaint received 2022-01-31
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)

I have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of 2017 and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-04
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)

In accordance with the Fair Credit Reporting act XXXX EQUIFAX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account # XXXX ...., XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ... XXXX account # 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
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC (FL)

When I originally got the truck loan I gave Coastal Credit an account to use for Direct Payment. After two payments I closed the account due to fraudulent charges ( unrelated to Coastal Credit ) and did notify them. I told them I would be paying either over the phone or online for the duration of the loan. Coastal Credit continued to try and withdraw funds from my closed account and would not discontinue until after six months. Now Coastal Credit will not allow me to pay online.
Consumer complaint received 2022-08-24
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: JPMORGAN CHASE & CO. (MO)

JPMCB Card Services pulled my credit without my permission on XX/XX/XXXX and XX/XX/XXXX. I am requesting they correct this inquiry by removing it from my credit as shown via XXXX XXXX Credit Reporting Agency immediately. In addition please provide a statement verifying the error was corrected.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (NC)

yes the said account was opened XX/XX/2018 and its with XXXX XXXX XXXX XXXX in the amount of {$30000.00} i have reached out to the credit union and the credit agencies multiple times with no adequate response the account # for the said file is # XXXX
Consumer complaint received 2020-11-10
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. (GA)

My identity is compromised and I have been trying to have the listed accounts deleted and blocked from my credit report for months. I have attached the proof showing transactions that were not mine. These accounts are preventing from moving forward and need to have them deleted immediately.
Consumer complaint received 2022-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-06
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: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

stated to REMEX this is a HIPAA violation and the debt is not mine, i was even willing to pay the debt it if it would be deleted from my credit report ( only on XXXX and XXXX ) XXXX deleted it in XXXX, i was told no the would not deleted even if paid {$370.00}, told cedit bureau several times this not my debt and this is illegal to report this inaccurate information on my reports debt is from XXXX but relisted on my report as new account in XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-03
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. (MD)

I've contacted the XXXX OF XXXX XXXX & they told me I've never missed a payment, yet Equifax refuse to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile.
Consumer complaint received 2020-11-10
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. (KS)

The account being reported by XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Consumer complaint received 2022-01-09
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. (IL)

i asked XXXX if they could cut down on number of hard inquirys on credit report they told nothing they could do about it because it was factual when guy i called in XXXX just checked my credit without ne asking him to do so or him asking me
Consumer complaint received 2022-08-03
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. (PA)

Experian is showing my FedLoans as LATE payments on my report when they are not. I would like that taken off. My loans are not late which is prohibiting me from getting an apartment that I desperately need. According to Congress back on XX/XX/XXXX ; XXXX XXXX, XXXX [ XXXX ] ( Introduced XX/XX/XXXX ) H.R.394 117th Congress ( XXXX ) This bill extends certain temporary relief related to federal student loans and expands eligibility for such relief to additional types of loans. 

Specifically, the bill extends the current suspension of payments due on federal student loans to 30 days after the end of tXXXX XXXX  ( i.e., coronavirus XXXX XXXX ) public health emergency. It also extends the suspension of interest due on these loans until the economy shows specified initial signs of recovery.
Consumer complaint received 2022-08-03
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. (CA)

- Received credit report on XX/XX/2022 from TransUnion for new credit card inquiry with XXXX XXXX XXXX - Called TransUnion for assist with fraud inquiry and was told that the credit card inquiry was made on XX/XX/2022 - Informed me that they will contact XXXX XXXX XXXX and requires me to submit a fraud report with fct.gov and more additional information in order for them to dispute the hard pull on credit score