davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (IL)

The bank is refusing to follow the procedures outlined by the Federal Govt in how to deal with unauthorized purchases, specifically where a refund/credit was supposed to be received but was not yet received. They indicated they are not required to open a dispute without documentation in writing stating that I am due refund or credit. I explained that it was a phone call where an account was cancelled and i was told they refund would be processed to my account in 5-7 days that has been almost two months. To appease them I explained that if requested after the dispute is open or challenged by the merchant that I would get documentation however the responsibilty is for the dispute to be opened. She refused and said until I have the documentation that she would not open the dispute to which I responded that I couldnt even send the documentation until the dispute is opened and she responded well I know you dont have the documentation so until you do I wont even open the dispute. I referenced to her Sec 205.11 of Reg E iii. The omission of an electronic fund transfer from a periodic statement Generally this one will apply to a missing credit to an account. If the case of a debit card transaction, if the merchant promised a credit or refund and failed to provide it, it is a Reg E error. If the merchant did not make such promised, but the customer feels they are entitled to one, it is a merchant dispute. The rep indicated they are not required to follow those guidelines ... I think BMO needs a update on Fed guidelines when it pertains to Reg E too many banks think they can make up rules and do their own thing. The rep I spoke with : XXXX XXXX XXXX  XXXX XXXX, XXXX. This needs to be addressed!
Consumer complaint received 2019-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WV)

How do I request an investigation of deceptive practices by Equifax? Recently, I checked my credit report and found information in my file that I needed to dispute. When I clicked on " Online Dispute '', I was presented a series of questions that had nothing to do with information in my credit file at Equifax. I answered " None of the Above '' to all of the questions, and was given a response by the website that I couldn't be helped at this time. I XXXX  the issue, and found that thousands of other users reported the same experience. Is there a way to have this investigated?
Consumer complaint received 2019-03-03
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: Credit Protection Association, L.P. (FL)

This happened back on XX/XX/XXXX when the fraudulent account was apparently opened. And, apparently there was a disconnect of the XXXX XXXX on XX/XX/XXXX ( according to XXXX ) for non-payment. I just found out about this XX/XX/XXXX when my XXXX Credit Report ( FICO ) went from XXXX   's to XXXX! XXXX has turned this over to a collection company ( Credit Protection Association, LP, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. My reference number with them is:XXXX. What makes this disconcerting is XXXX  ( XXXX XXXX ) acknowledges this is probably a 'fraud issue ' since I've never lived in XXXX , FL and my birthdate is XX/XX/XXXX, not XX/XX/XXXX that was used to open the account with XXXX . XXXX XXXX 's email address is : XXXX and phone number is : XXXX. It's as if, " Well, somebody has to pay, so go after this guy. '' And, how can XXXX drop my FICO score so drastically? I have never ever had this happen before! My contact at XXXX is XXXX, in the Fraud Department @ XXXX and my Report # is XXXX.
Consumer complaint received 2019-03-03
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: EQUIFAX, INC. (MO)

The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX  XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX  ( XXXX )
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with Experian over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Consumer complaint received 2019-03-01
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. (IL)

In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a XXXX point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Consumer complaint received 2019-03-01
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. (TX)

I had my identity stolen and fraudulent loan made in XX/XX/2018. I identified this at the end of XXXX, filed a police report. I Spoke with the loan agency ( XXXX XXXX ) who agreed this was fraud. I filed a dispute with Expirian, and XXXX. ( XXXX required the police report which took a few days to receive ). Expirian then asked for the police report which i furnished through their online portal at the end of XXXX. 

Expirian, then reported that this was not identity fraud and the transaction should stay. XXXX   investigated and determined this was fraud and removed the transaction. i then asked expirian again to dispute. I called experian several times asking what documentation was needed from them to remove this transaction. First i was told they never received the police report. so i uploaded another copy. then i called back to confirm that they had received the copy. Then they said the police report was NOT valid because the name of the police officer had been blacked out. I confirmed with the police department that this was protocol since the officer was undercover, part of the gang unit. They also suggested that XXXX   XXXX did not consider this fraud. XXXX XXXX had been in regular contact with me. i had signed and affidavit and they had confirmed it was fraud as demonstrated by transunion which also confirmed XXXX   XXXX knew this was fraud. I offered to furnish expirian with both the phone number for the police department working on the case AND the number for the XXXX XXXX fraud investigator who could confirm it was fraud ( i offered to call both while on the phone with the experian rep ). THey declined both offers. they suggested i get a letter from XXXX  XXXX stating this was fraud, which i am willing to get, but i asked them for what specific criteria needed to be included in the letter for them to accept this document. They had no predefined criteria that would guarantee that they would even accept this letter. Everytime i called Experian they gave me a different reason why they could not resolve this dispute. They put the blame on XXXX XXXX, but as mentioned when i offered to call my contact at XXXX XXXX they declined. XXXX  contacted XXXX XXXX and XXXX XXXX confirmed this as fraud. I also asked experian who they were contacting at XXXX  XXXX ( so that i could have the XXXX XXXX  fraud investigator call the appropriate division at XXXX XXXX ). They said they could not furnish this information. This involved multiple called with multiple people at Experian giving me different answers each time as above. All while still keeping a fraudulent transaction affecting my credit score.
Consumer complaint received 2019-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (GA)

The day after the due date, the XXXX, they begun harrassment calls every 3 hours. This continues 7 days a week. Ive never been 30 days late. They claim i am late at 10 days after due date. However the harrassment begins the very next day, day after the due date. I have logged all calls and plan to consult an attorney to sue in civil court.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc (SC)

I have been applying for work for 30 days. I have been submitted for background checks and their submissions have all denied me work. 

I have a governors pardoned record and expungement. But the consumer reporting agency general information services in XXXX, sc has refused to correctly tell employers my actual n updated record. They have in fact given employers information inaccurate and past 7 years. 

I sent them twice a copy of my sc governors pardon and they have denied recieving it. 

My name is XXXX XXXX. Not XXXX XXXX XXXX.
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

SYNCHRONY Bank automatically and without notice reduced the credit limit on the card from {$790.00} to {$380.00} which immediately reduced my credit score significantly immediately after I paid {$300.00} to reduced the balance on the card. Then a week ago SYNCHRONY Bank automatically closed the card advising me via phone conversation that the card was over the credit limit when the card was not over the credit limit/. SYNCHRONY Bank failed to credit a payment of {$100.00} made on the card two weeks prior to the closing of the card. There have been no delinquent or late payments payments due on the card. This is not the first problem I and other customers have had problems with SYNCHRONY Bank and it fraudulent banking practices. ( https : //www.complaintsboard.com/? search=Synchrony+Bank ). 

SYNCHRONY Bank had a habit of closing account for any alleged reason, continuing to bill the customer and in the meantime write off the balance on the card, sell the card to a debt collector and the debt collector attempts to continues to collect the amount owed on the card after SYNCHRONY Bank closed the card and collected funds. I am requesting a thorough investigation of SYNCHRONY Bank and its fraudulent banking practices which has caused harm to thousands of customers and losses to businesses whose finances/store/credit cards are managed by SYNCHRONY Bank.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MN)

Credence and XXXX : This is the third time Ive submitted the fraud packet and included a police report file number. Ive now had to file 2 different reports with 2 different police agencies. I have submitted the information as requested and have provided proof that Ive been with XXXX XXXX XXXX on a family plan for 22 years ( 1997, when I turned XXXX ). Ive never had service with XXXX and when I originally dealt with this, XXXX assured me we had no business and they closed the fraudulent claim. How it has been resurrected, an invalid and fraudulent claim, is beyond me.
Consumer complaint received 2019-03-01
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: Experian Information Solutions Inc. (NV)

Yes I had a account closed from XXXX XXXX because Im opened another Acct through another wireless provider when this happened thei neverclosed account so they kept hitting my credit as a late pay I finally found bout sent payments monthly when I went to purchase a mort loan it popped up as never made payment on a closed Acct so they never to into all my payments I made them and charged me a full amount I did negotiate and thei settles for another amount I had no choice but to pay like almost double thei never have me updates or statements of account on this matter and never would give me information they told me it was closed Acct ok so why are you not showing my payment I made then XXXX XXXX never updated my actions at all and verify the wrong amount owed you help with this it on my report as paid but will stay onther for 2 more years when they told me it would be taken off.
Consumer complaint received 2019-03-01
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: Consumer Portfolio Services, Inc. (MI)

Consumer Portfolio Services ( CPS ) accessed my credit file without my authorization and reported out an inquiry for credit that I never requested. They received my information from a third party. The third party has acknowledged this error and requested CPS to remove the inquiry. This letter was signed by a XXXX at the company. I have also submitted several letters to request the removal. I did not authorize CPS access to my credit file for lending purposes. Furthermore, I have an active extended fraud alert that states that I must be called day or night to verify any credit request. At no point has CPS contacted me to confirm my identity, that I authorized access to my credit, or that I indeed wished to obtain credit. This is a violation of US code 1681 c-1. CPS continues to refuse to acknowledge their fraudulent access to my report and remove the inquiry.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WI)

I am so upset about the shady business practices performed by Chase bank. I was told overdraft fees wouldnt be charged if funds were placed in account by XXXX XXXX next day. I have payed so many overdraft fees @ $ XXXX/per overdraft and almost all ATM 's, except two would be charged @ $ XXXX/each time used! I understand banks need to make money but the amount they were taking on a monthly basis was INSANE! I also have not received any helpful services that I needed. I even had to go to a different company to just get something notorized due to unreasonable hardships for such a siple task of customer services.I feel this is becoming a HUGE problem for consumers and these misleading and gross practices, performed by, supposed respectful financial institutions has gotten out of hand! Im thinking of just forgetting this whole game @ my financial exspence, and keeping my funds on my own! I would have saved hundreds in just 6 months! BEAWRE OF CHASE BANK!
Consumer complaint received 2019-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (DE)

XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Collection Agency ( TRIDENT ASSET MANAGEMENT ) Account # XXXX Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, GA XXXX Amount alleged owed {$2100.00} ( XXXX ) XXXX Dear Sir/Madame : Ive disputed the account referenced above with both Collection Agency ( TRIDENT ASSET MANAGEMENT ) And ( XXXX ) Credit Bureau about four-six times. I  have contacted the collection agency myself via certified letter and phone calls on dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and have been unable to get them to verify that this is indeed my debt. Ive enclosed copies of my requests to the collection agency asking them to validate my debts, and the receipts showing that I sent these letter certified and have yet to receive validation that this debt belongs to me. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. But ( XXXX  ) Credit Bureau continuously reply and update my report with already been " verified '' without providing me any evidence when requested on. 
Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX Report # XXXX XX/XX/XXXX This a clear case of unverified debt and these agencies are not following the FCRA and breaking the law. This black eye on my report is making it extremely hard for a middle class tax payer build a reputable credit profile. I beg someone to help me get answers from this Agency or remove this inaccuracy from my report. 
Thank you and XXXX XXXX.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND XXXX REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

According to 2 hard inquirys on my credit report one XXXX/XXXX   through XXXX  from XX/XX/XXXX this account is still activate, but in excellent standards which should show payments made on time and account balance was paid off to XXXX  well ahead of time. Another inquiry is from Bay County Consumer which was paid off and account closed well over 10 years ago in XX/XX/XXXX or XX/XX/XXXX. I believe these 2 accounts begin hard inquiries are make my credit report through XXXX as low as it is at this time.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

good morning today is XX/XX/2019 i have tried 4 times to dispute items on my experian report but all iam getting with them is the run around or getting hung up on they are some nasty people that works there somebody needs to take a look at that company,,, Here my complaint account # XXXXxxxxxxxx XXXX   XXXX XXXX they calls me all times at night and i really dont like it they say i owe them money and i told them to seen my info saying i owe them and they never sent nothing but they still call me all night plz tell them to remove this account off my credit report its not mines, ,Next account XXXX XXXX XXXX i tried to disput this account with experian they hung the phone up in my face the account # is XXXXxxxx they have alot of 120 lates and 90 day lates that are not mines its not right ... .XXXX XXXX XXXX  XXXXxxxx this account i have no idea about it i told experian about it they just said its on my credit now nothing they can do i need this account gone asap ... ..XXXX XXXX XXXXxxxxxxxxxx i have no clue about this account somebody i think got this in my name,,, ,XXXX XXXX XXXX XXXXxxxx i  have disputed this account with experian and keep coming back verivied but i got it remove off the other two credit reports its not my account sorry for a long story but its aginst the law to report fraud accounts on someone credit report and then try to ruin someone life for the rest of there lives with bad credit it is not right