davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NH)

On XX/XX/XXXX my endinh statement balance was {$13000.00}. On XX/XX/XXXX I deposited a {$50.00} check through their system. It cleared XX/XX/XXXX and only deposited {$5.00} into my account instead of {$50.00}. I am short {$45.00} in my balance. I have attempted to resolve this with the merchant on more than one occasion. I am also still missing {$45.00} from an error they made last year! So they have now stolen {$90.00} total from me. Simple math would have resolved this error durin my 1st phone call, however I am told representatives can not see my statement balances.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any 3rd Party that they do business with.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C 1681.the following inquiries were not made by me. you will find them in my attached credit report.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

The account in Question is with American Express. The payment was delinquent and was eventually charged off. The problem is the American Express is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and American Express nor the 3 Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XX/XX/XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games American Express is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all 3 credit reporting agencies and they continue to report the innacurate information. According to American Express, XXXX, XXXX  and XXXX  now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ICUL Service Corporation (NE)

My prepaid account was closed and my remaining card balance has not been returned to me. XXXX XXXX money is holding approximately {$4900.00} of my money, and despite their stated intention to return it, they have not done so.
Consumer complaint received 2022-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

There is a derogatory mark in my credit showing up as Berlin-WheelerXXXX XXXX XXXX XXXX with a open balance of {$400.00} last reported XXXX XXXX, XXXX it says it was opened in XX/XX/XXXX. I have never opened an account with any creditor. I do believe this is identity theft and would like to get this resolved, this has impacted my credit and I have tried to dispute it many times and it still there. I have no way of opening any credit because this derogatory mark keeps showing up.
Consumer complaint received 2022-04-25
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. (TX)

In accordance with the Fair act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, I XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  # 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 that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (UT)

On XX/XX/XXXX, I sent a letter to the debt collector, requesting validation of said debt, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. After waiting for more than 30 days without any response, I sent a second letter on XX/XX/XXXX to inform them that by not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
I was really hoping to hear back from them after that but after blatantly infringing upon my rights by refusing to respond with my second attempt to clear the matter I reached out to a credit bureau to file a dispute. 
All in all, its been well over 90 days since my initial request to validate the debt and this item has still not been removed from my credit report despite several attempts to validate the debt to no avail.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under USC 1681XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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.

15 U.S.C1692C Section ( a ) Communication with the consumer Generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debts.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (MO)

I have never received a letter from One Advantage, just a phone call. I called them back and explained my situation and I can only borrow {$1000.00} from my brother to pay this off. I spoke to XXXX twice and she refused to ask XXXX XXXX XXXX if they would accept my offer. Im not employed and Im XXXX XXXX XXXX and cant work any longer. 
The collection agency is in XXXX, Illinois and XXXX XXXX XXXX is in XXXX XXXX part of XXXX. The balance is about {$3300.00} and I was told it will go on my credit by XX/XX/2022 and possibly sue me if not paid in full, or settled for {$2300.00}. My spouse is on XXXX XXXX XXXXXXXX and gets {$1900.00} a month. Can you help me? Thank you.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My application was denied Due to Excessive obligations in relation to income, I tried calling kohls credit Department to explain to them about my income but, they stated that they got my income and my credit obligations from XXXX. I call XXXX credit bureau and they stated that XXXX never includes annual income in credit report. My credit cards, car payments, mortgage payment and other loans does not even reach 50 % of my income.. they can add up all my payments together and then subtract from my {$7900.00} monthly paycheck and see if I qualify or not? ( annual income is over XXXX per year after Tax ) of course I can provide prove of income either with my Tax return or check stub. 
so I want to know how they got to this conclusion? 
Is this some kind of erroneous, or none-sense excuse to turn down my application? I need an explanation instead of passing me to XXXX   which has nothing to do with My income.
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (MI)

Someone created an account under my name with Affirm, Ive contacted affirm on 2 different occasions and they take months to come back and say Im responsible for these accounts. They are 2 different accounts, theyre stating that I received products from them, Ive never made a payment, never heard of them until they showed up on my credit report. Ive made a police report, Ive filled out their disputed documents, theyve confirmed the card making payments was not mines but Im still responsible. Which I dont understand. I thought this was done, but I went to purchase a home and my lender contacted me and these particular accounts, again that dont belong to me.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (CA)

Around 2 months I began receiving 10+ calls a day from an unrecognized phone number. Everytime they left messages and did not describe anything meaningful about any debt or anything. After searching the phone number online, it was marked as FRAUD and a SCAM collection agency bait company. So I blocked the phone number like any normal person would do, after receiving so many harrasing phone calls [ 10+ calls a day for a month ] each with a voicemail which further filled up my voice mail and did not allow other people to contact me via voicemail message. 

Then yesterday I receive a letter in the mail from another company, which says I owe {$1300.00} for the city of XXXX XXXX office of finance business tax. This raised many red flags as, the XXXX XXXX office of finance would first mail XXXX  business a past due tax balance if they believed there was a past due balance owed. I have not received any prior communication from the XXXX XXXX XXXX regarding any balance due on XXXX business tax account and pay such each year. Then the collection letter does not describe any real account number or verifying information to verify or locate or understand the debt they try to wrongfully collect. There is nothing contained in this collection letter that relates or correlates with XXXX XXXXXXXX XXXX XXXX tax account number or any other identifying information in order to verify such. 

Then the collection letter does NOT contain the legal language required by law. it does not explain my rights to dispute the debt, or verify the debt. it only says to pay the debt owed to them directly. By law this collection letter should have a paragraph which gives the person receiving it information regarding their rights to dispute and verify the debt. 
There is also no contact information given in order to dispute the debt with the collection agency, but rather only a link to make a payment. 

This is an illegal and fraudulent collection agency that uses illegal tactics to steal money from consumers and people who do not understand their rights and laws during this time. This company needs state ( CA and IL ) and federal investigations.
Consumer complaint received 2023-03-28
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: CITIBANK, N.A. (GA)

Citibank refuses to look up my credit card information that had THANK YOU POINTS associated with it. 
I was rudely put on indefinite HOLD by agent who insisted the only way to move forward was with the old card number - even though I had verified a different current card number. 
She refused to connect me to a supervisor. 
Instead of hanging up, she placed me on hold, stayed silent, and never came back onto the line after 20 minutes of hold time.

I did not disconnect the call.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Experian marked my credit score as unscorable when I actually have a long credit history. Dispute requests have been sent by mail ( tracking number XXXX ) to Experian in XX/XX/2022. Experian hasn't responded or taken any action to resolve the dispute for more than 30 days.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way. 

Also, there are multiple account numbers but with different balances, I don't recognize
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, and # XXXX XXXX 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 state consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

XXXX XXXX : Acct number:XXXX I contact them they couldnt provide me validation letter. And the original lease. All they have is my vacate letter good terms. 
Wish I date it and sign on the XX/XX/2021. That was not the lease neither the contract. 
And I checked the name they have is way different then mine I dont have a middle name XXXX. ( XXXX XXXX XXXX ) is not my name my name is XXXX XXXX. 
XXXX N accordance with fair credit regarding act XXXX to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2021-09-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

We paid an application fee of {$500.00} to start the process. This was not credited to us at closing even though we provided documentation that we had paid for this fee. I have made multiple attempts to contact Amerisave for refund with minimal to no responses. Since this was a purchase transaction I was limited in delaying a closing for fear we may loose the property. The Loan Officer never returned my calls about this, and the closer said they could not do anything about it even though i provided evidence we paid for the fee.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Hi! 
We are affected by COVID19. 
SO our business closed permanently. 
Started financial hardship on XX/XX/XXXX. 
We have a 10 months behind payment now. 
We denied any kinds of loss mitigation options. 
Finally. 
My husband got the job recently. 
So We sent 1st appeared letter. 
But they told me they didn't received By email on XX/XX/XXXX one. 

So I sent 2nd appeared letter by Email XX/XX/XXXX. 
I called mortgage company again. 
I called every week. 

That company agent told me that wait until XX/XX/XXXX. 

Underreviewing status. 

So we were waited. 
I called mortgage company on XX/XX/XXXX. 
Agent told me our account transfer to Attony.

Start to legal action.

Intend to foreclosure step. 
Mortgage company sent us Foreclosure documents. 

They didn't gave us last warning! 
So I called Attorney compliance department. 
They received my case on XX/XX/XXXX. 

How can I do? 
Thanks.
Consumer complaint received 2022-04-25
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX, account # XXXX, has violated my rights. 

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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (AZ)

Throughout the month of XXXX, I attempted to purchase concert tickets with my Klarna credit. My statement says I have a {$3000.00} credit limit. I go through their app and attempt to make a purchase and I'm denied. The denial says it's due to payments are behind. This is not true. I chat beginning XX/XX/XXXX with their online rep and the first rep says that they need to escalate. I get to an " escalation agent '' she proceeds to tell me that my account is frozen due to fraud. I ask what type of fraud, who is reporting this, who initiated a fraud claim, and why wasn't I notified if my account was breached? She proceeded to say that she wasn't a liberty to give me this information and that another " escalation agent '' would be contacting me in 24 hrs to give me more details. I never received the call. I placed a 2nd call on XX/XX/XXXX to their customer service team and was now told that there wasn't any fraud on my account and that the previous agent was incorrect. I now needed to possibly make an additional payment on my account ( which I already had done based on a bot chat ) but he did say that within 24hrs another escalation agent would reach out. No one ever did. I placed a third call on XX/XX/XXXX to inquire on why I hadn't received a call. This agent now repeated that there is a fraud flag but I could have this resolved by connecting a bank account to my profile and this would clear the error. I did this and still my credit is being denied even though my statement shows I have credit. I attempted again on XX/XX/XXXX and I'm being denied. I spoke with on online agent and he referred me to call the customer service team again. I've literally spent hours trying to resolve this issue and can not get anyone to explain A ) the fraud in question B ) is this the true reason I'm being denied the credit that was extended C ) which of the agents are correct D ) can not get a call back.