davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have lost my credit card. My account has been under complete fraud for high amounts more than the credit limit. I have been customer from past 5yrs with Bank of America. I have opened claim in XXXX and they have opened claim wrong way saying I possess the card. I have reopened the claim and it is still under investigation. 

During this time, i have deferred the payments as interest has been added and as i have been effected financially due to covid. i have deferral requests have been approved from XXXX. All of sudden in this month my account has been closed sayin

g its past due from3 months as the deferral requests have been re-initiated. This has been effecting my credit history a lot. every day i call customer service, i have to explain whole of this story an di have been on longwaits. Every one says claim has been escalated and
they are not giving a resolution.

Customer service said they have reported to credit bureaus about deferral requests saying they are correct and asked to re-open my account and still nothing is solved.
Consumer complaint received 2017-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Affiliated Group, Inc (IL)

I did not know what to properly put this under. I have a case of Double Jeopardy being reported by a collection agency utilizing different names for different Credit Reporting Agencies. The affiliated group allegedly states they are the same company as XXXX although they are reporting as different companies on two my credit reports. 
On my XXXX report XXXX collect is reporting with an amount and on my XXXX report XXXX credit is reporting for the same amount. By paying the debt to either one I leave myself vulnerable to have to pay the debt again since the reporting is different on my XXXX report and my XXXX report, and these companies are not reporting the debt type information with each credit agency which if debt type was listed as medical it would not have a dramatic affect on my score. I feel this is a manipulative tactic to report under two different names it looks like I owe multiple accounts with the same amount. 
Also by reporting the exact name of the medical facility my HIPPA rights have been violated. The debt should have been reported a medical debt not individual debt. 
I am unable to locate in documentation from either company in reference to verifying this debt. 

XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Reporting The Affiliated Group Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Information THE AFFILIATED GROUP XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-01
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: Experian Information Solutions Inc. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2017-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

Creidt Collection Services says I have debt with XXXX XXXX. 
. However all payments were made to the insurance company when the policy was active, and upon termination of the policy the XXXX XXXX issued a refund.
Consumer complaint received 2017-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please :XX/XX/XXXXXXXX XXXX 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting 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. (UT)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX - DATE XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX. - XXXX XXXX. XXXXXXXX XXXX XXXX  - XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

The company refuses to take any responsibility for incorrect information reported to the credit bureau. In the meantime, my credit has been ruined because it incorrectly reflects 90-day delinquency. I have been unable to refinance my mortgage as a result and have been denied credit. This has created a financial hardship for me. I have been given no timetable as to when this problem will be fixed and have asked for compensation from the company for my troubles and refused. This has become a very frustrating process and I understand that is has happened to several other borrowers.
Consumer complaint received 2017-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (CA)

My husband XXXX XXXX XXXX, XXXX, is XXXX XXXX XXXX with a history of multiple XXXX XXXX and XXXX with impaired thinking due to XXXX. He is not able to manage his finances and is solely dependent on XXXX social security per month. He rode on a bicycle on XXXX XXXX, XXXX and acquired a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. The dealers falsified his income ( typed in ) with no verification of proof. They put his income as XXXX per month and that he has a job with XXXX XXXX ... ... None of this is true. They even completed his application on his behalf ( he is unable to write complete sentences and this can be verified by his personal physician ) to get his business. They then had him sign the contract. I tried to return the car XXXX days later and they would not accept it and the XXXX told him " GO GET A JOB ''. This is pure elder abuse. He is now XXXX months back on the payment and is unable to pay. The financial company ( TD Auto Finance, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) told him that they would auction the car and he is responsible for the remainder of the cost of the car. He is now XXXX months back on his payment and is unable to pay. Please help us in rectifying this issue. This is pure elder abuse. Thank you. 
Account # : XXXX. 
.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed at XXXX XXXX for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a business loan to expand my business. To my knowledge all the only account I had was a student loan account which was forgiven. Every time I go to take out a loan to build my credit I am denied. I was told by potential loan officers that the reasons for the denial are Derogatory information obtained from a credit report agency such as 3 major credit bureaus ( XXXX. XXXX and TransUnion ). This kind of derogatory information are hindering my business mobility.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I applied for a business loan to expand my business. To my knowledge all the only account I had was a student loan account which was forgiven. Every time I go to take out a loan to build my credit I am denied. I was told by potential loan officers that the reasons for the denial are Derogatory information obtained from a credit report agency such as 3 major credit bureaus ( Equifax. XXXX and XXXX ). This kind of derogatory information are hindering my business mobility.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my 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. 
XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXXy XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

There is no way to withdraw money from Paypal without paying them a fee or giving them your bank 's login credentials as a ransom. This is not something they warn you about until they have your money hostage. 

Previously, you could link a bank account to your Paypal account using the ABA routing and account numbers. That option still appears on their website but it is disabled. I have tried to use it with three different checking accounts many times over the past several months. It never works. 

The only way to link a bank account to transfer money to is by giving Paypal the login credentials to your bank. Doing so would of course give Paypal access to all sorts of information associated with that account, something else they fail to disclose. 

Trying to link from my bank account to Paypal is blocked by Paypal. My bank was able to make the usual two test deposits but an attempt to move money from Paypal to my bank was blocked by Paypal. 

Paypal is holding money hostage to get people to give up the login credentials to their other accounts. If you refuse, they make you pay a fee. The cheapest way to get money is to pay {$1.00} for a paper check to be mailed, which is ridiculous.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$6300.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$63.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred by incomplete information. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. 

I expect a prompt and thorough investigation into this matter to rectify the situation. If the issue is not resolved to my satisfaction, I may have no choice but to escalate this matter further, including seeking assistance from relevant consumer protection agencies or legal counsel. file : 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 2020-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MO)

In XX/XX/XXXX I received in the postal mail an offer to receive the Southwest Rapid Rewards Chase credit card. The offer included a 0 % interest rate for 12 months from account opening. The exact invitation number on the offer that I entered when I applied was XXXX. I received the card in XX/XX/XXXX, and chase has charged interest in the amount of {$170.00}, when the offer clearly stated 0 % interest for the first 12 months.On XX/XX/XXXX, I logged into chase.com and emailed them via the secure message, and attached the original offer letter showing the 0 % promotion. Why have they been charging me interest? They keep deflecting my secure messages with information that is not related to my problem. Can they check that offer invitation number from XX/XX/XXXX, and see that it offers 0 % interest for 12 months? I saved the original offer letter, which I attached to my secure message, so they could verify what I should have received. I received the card stated on the offer letter. ****Please help chase to understand that I should not have been charged any interest for the first 12 months of account opening in XX/XX/XXXX. THEY NEED TO HONOR THE WRITTEN INVITATION NUMBER THAT I ENTERED WHEN I APPLIED FOR AND RECEIVED THE CARD THAT STATED ZERO PERCENT APR ON PURCHASES FOR 12 MONTHS FROM ACCOUNT OPENING. Thank you
Consumer complaint received 2021-11-01
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX  ( 8 minutes ago ) to me For the record this is a continuation of CFPB dispute # XXXX See CFPB dispute # XXXX This is my fourth time reaching out to Experian about account XXXX. They have not providing me evidence as accordance with the law. Being that Experian is a third party, as it pertains to any of my financial business, legally they must provide the exact copies of the documents that they used to make sure that a debt is accurate or, in this case, not fraud upon my request. It is unfair for them to put negative items on my credit report without a reasonable doubt. This one account is causing me and my family undue financial duress during our home buying process. To add ... As a XXXX veteran my funds are limited. Also, the account that is adding financial duress is not in my name. The account is in the name of " XXXX XXXX  ''. My name is not " XXXX XXXX  '' Also, Experian says they will respond to my previous CFPB dispute XXXX in 60 days. However, their corporate website promises a 30 day response to consumers. ( See link XXXX XXXX XXXX ) Also the FCRA States that a 30 day response is law. However, Experian has notified me that it will take 60 days. This is unfair and inconsiderate to the consumer. ( See evidence attached )
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I have had awful experiences with Navient including : Being signed up for forbearance 3 times, improper disbursement of payments, harassing phone calls at all hours of the day, all day, in excess of 10 times a day, to myself and my family that cosigned. I was never encouraged to enter a repayment program. Since learning about repayment programs, I attempted to enter an income based repayment program but was told I could not do so at the time. I also attempted to consolidate all of my loans together into one. They denied that request but went ahead and consolidated together a couple of my smaller loans which did not benefit me in any way. As a matter of fact, that consolidation hurt my credit significantly. When I challenged them about this consolidation they told me they could not do anything about it now. I then asked for the promissory note bearing my signature to this new consolidation loan ( which I knew did not exist because I would have never signed off on what they did ) and they assured me they would send it by mail. They never did ( of course not ) and I am not in any better place than I was before with my loans. As of writing this I owe {$100000.00} for an XXXX Degree I earned in XX/XX/XXXX. They took a systematic approach to increase my debt as much as possible since getting these loans in XX/XX/XXXX at every level. It has been a nightmare that has affected me at every point of my life. I continue to struggle to find my financial footing and have postponed many benchmark achievements in my life due to struggles over this debt.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (KY)

I have been receiving letters for debts that I do not owe that come from identity theft. I have file an identity theft report and sent it t all the credit bureaus. Credit collection Services sent me a letter for a debt that does not belong to me.