davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Total Card, Inc. (NH)

The company will several times a day multiple times a week when I answer the phone the person on the other end hangs up. An example of this would be yesterday they called 4 times XXXX XXXX, XXXX. Each time I answered the phone someone would hang up. I then called the number and spoke with a XXXX in customer service explaining my issue, she then turned the call over to a supervisor named XXXX who informed me she would remove my phone number from the account. However half an hour later at about XXXX they called again and when I answered they again hung up the phone.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act 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 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 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (AL)

I applied for a secure card for Discover, I made a deposit of {$200.00} and after a long time I received my card. I unlocked it and tried to use it, but I was not able to do so, because they put my account in a credit bureau fraud alert ( I have no idea why they did that ). Then I called them, tried all possible ways to use the card but without success. But after that, due to this difficult to use a simple credit card I asked them to close the account and refund my money on XX/XX/XXXX. Since then, I'm trying to talk to them by message, because I can't talk to then using the phone, but they never give me an answer about when my refund will be issued. All that I want is my money back and they never give me the information when they will do that and how this will be made.
Consumer complaint received 2022-08-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX now.with no help.
Consumer complaint received 2018-09-10
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (SC)

XXXX  verified a charge off submitted by Chase Bank referencing data that was afforded to me XX/XX/2018. I sent Chase Bank a certified letter XX/XX/2018 requesting the documents with signatures verifying that Im the account owner of the named charge offs. To this date XX/XX/XXXX 18 Chase did not verify that the information on my file has been disputed as per the FCRA ( 30day ) requirement and still has not provided original contracts with MY Signature verifying that the accounts are mine. I have a son with the same name and have mixed file problems in the past.
Consumer complaint received 2022-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I received XXXX credit cards from Bank of America that I did not ask for in my old married name I have t used in 12 years. 
These XXXX credit card accounts also have now shown up on my credit report. 
I received the first cArd XX/XX/2022 second came 3 days later. I did not activate I want them removed and cancelled I contacted Bank of America and am getting circles and no communication. 
I have a freeze on my credit now Please help me
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These unknow inquires listed below are fraud and should be removed within 24-48 hours due to violation of code laws and rights. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-21
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX  XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

I received an email from XXXX stating my Citi Bank XXXX XXXX had been compromised. 
Their web address is : XXXX Their telephone number is : XXXX. 
They asked me to confirm my account and I did. 
It asked me my credit card number, the expiration date, the XXXX digit security code on the back of the card, my Mothers Maiden Name and my entire Social Security Card Number. 
Me thinking this was a genuine text message from Citi Bank regarding my XXXX card with them. 
XXXX buying a home and I do NOT need anyone obtaining credit cards in MY NAME with my entire personal information! 
Please DO NOT APPROVE any credit card applications on my behalf on any and all requests for credit cards in my name!

Please help me!!! Im about to have a XXXX XXXX regarding this fraudulent text message. 
Now, anyone can obtain a credit card in my name now and forever!!! 
Please STOP this incident immediately!!! 
My cell phone number is : XXXX. 
Thank you and I am looking forward to your response. 
Very truly yours, XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (NY)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 us 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 XXXX 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 im XXXX now.with no help.
Consumer complaint received 2023-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (WA)

I got the below email and I have no known business with these people : On XX/XX/2023, at XXXX, Moneylion@writelines.com wrote : Hi, Our fraud department detected unusual activity on your account! 


Log in to your Account to Accept or Cancel this transaction. 


Verify Now : https : //members-moneylion.com.do/? TRANSACTION_ID=Nx5D-2BL732rBgjuDrSYBGQ97ouZ3gMWW2iQd4-2Fi8k1DQ Failure to unlock your account will result to permanent closure. 


Thank you Moneylion Team
Consumer complaint received 2018-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX is the mortgage holder of my mortgage currently. They have held funds in a suspense account and applied them late which shows a late report on my credit. I called to find out why and demanded that the issue be corrected. I have not made contact with an account manager on this. The inaccurate reporting hit the bureau within the last three weeks. I need this corrected as soon as possible. The late hit is negatively affecting my scores.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (SC)

Apparently someone opened two student loans with my information in XX/XX/2015, I found be out about this information because within the last year or so they stopped paying the loan and then negative marks started appearing on my credit report. 

After attempting to have these items removed from my reports by contacting the company I was sent the supposed contract. This contract doesnt have my signature, but my typed name and also the references listed I do not know and the addresses are bogus.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MI)

NATLCRSYS IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NATLCRSYS IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promissory note of this alleged debt.
Consumer complaint received 2023-03-09
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: Exeter Finance, LLC. (TN)

I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
Consumer complaint received 2021-06-24
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC (MD)

I had two accounts with XXXX XXXX  ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was XXXX XXXX XXXX XXXX XXXX, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XX/XX/XXXX I received letters stating that my accounts had been sold to D & A Services. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I took out loans to go to college in XX/XX/XXXX. Originally these loans were through Sallie Mae, the first two loans were cosigned by my father as I was not legally an adult yet so those have the lowest interest rates. After I turned XXXX, the loans were solely under me and the interest rates doubled. The total amount I took out in loans was around $ XXXX with the interest that I now owe, the loan balance is over $ XXXX. The interest is literally crippling not to mention impossible to pay. When Sallie Mae went bankrupt in XX/XX/XXXX they turned the loans over to Navient who made them private student loans, it is my understanding that they were originally federally backed. Thid would have made them eligible for income based repayment, consolidation and forbearance now they are not eligible for any of those programs available. I pay $ XXXX/mo in student loan payments when I make XXXX a year and they refuse to work within my means. The amount of money that I pay to them every single month does not even touch the interest that continues to bear on each of the loans which are all individually accruing at different rates. It has destroyed my credit and I am literally working backwards, it seems like there is no way out of debt or even a possibility to make it a manageable payment. There has to be some sort of feasible solution to make the payments affordable and to improve my credit, I pay on them every month and I am basically throwing the money down the toilet.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2018-09-10
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: Navient Solutions, LLC. (CO)

I seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with Naviet and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. Naviet needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account
Consumer complaint received 2022-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

PayPal restricted my account with money in it and told me to wait 180 days so I can have access to my funds, its been over 180 days now and I called to have my funds released only to be told I should wait to receive an email with instructions XXXX knows when before I can have access my funds which has been locked for over 180 days. I called on several occasions and it seems each representative seems to tell me a different story and its like they want to take my money. Please help me get my funds back as I need to pay some bills Im late on payment.
Consumer complaint received 2022-07-22
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. (MO)

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have a Home Depot credit card issued by citi bank. I made a {$60.00} purchase and was 1 day late I received a {$35.00} late fee and was 1 day late in paying the late fee so I received another late fee this went on for months until it reached over {$200.00} in late fees I tried to call and resolve the issue and was told some fees would be waived but they were not. My credit score went from excellent to poor. I do not feel it is right that they can compound late fees and ruin my credit. It was also impossible to speak with anyone who could help. 

my name XXXX XXXX card # XXXX Phone # XXXX
Consumer complaint received 2022-08-01
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: Receivables Performance Management, LLC (NY)

Receivable Performance is reporting a fraudulent account on my credit. Upon contacting the company, I was informed that this account is linked to a different address. Please see the attached FTC report and my Driver License and remove this account from my credit. 
I decided to pay this account thinking that it will be removed from my credit but it is still continuing to report. Please eliminate this info from my credit.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I filled a dispute charge on my debit card about auto repair with chase bank XX/XX/2019. 
Chase gave me provisional credit. 

After 90 days chase deducted {$200.00} out of my account and said that I owe chase bank. 

The mechanic replaced my breaks but in turn messed up my rack and pinion. 

I will not pay chase bank of this unlawful {$200.00} charge. 

Chase bank needs to be investigated.