davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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. (IL)

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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-05-19
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. (NV)

There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the  FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So Experian you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are nincompoops! All of ya, NINCOMPOOPS! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business  practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.
Consumer complaint received 2022-06-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (MI)

I leased a XXXX XXXX a month ago and, similar to my last XXXX lease in XXXX, the dealership folks indicated if I didn't " push the XXXX  button '' they wouldn't get paid their commission. In XXXX I did this and tried to cancel immediately. Let 's just say that wasn't a pleasant experience but lesson learned. They wanted to put a card on file and have me pay when the free 30 days were up. This time around I made it abundantly clear I would NOT be signing up or 'pressing the button ' and did not want XXXX  tracking my truck or tied to my truck. The dealership folks did not like this but I don't think XXXX should be able to track my vehicle and report on diagnostics and all that without my consent, which I did NOT give. At some point in the past 30 days XXXX  came on while I was driving and I believe " reminded me '' that I needed to hit the button. Never did. Today I get an email that " my plan is ending soon '' and I presume that means I need to watch for unauthorized charges now. I did not sign up, hit the button, or consent to this account period. This XXXX  tying and bundling is the epitome of high pressure sales combined with what I suspect is constant violation of privacy regardless of purchase. It is also tied to the ignition supposedly so there is 'no way to turn it off. '
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

Regarding Chase reference case number XXXX : I received Chase 's response that my check was not deposited because it was a duplicate item, but this check was never deposited into my account. Since Chase has not disbursed the funds for my check, I am requesting that Check number XXXX be cancelled, so that the issuer can issue me a new check. The check is currently showing as deposited, but I have not received the funds- it was NOT deposited in my account.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

In summary : Best Buy ( CITI ) repeatedly overcharged me late fees & placed derogatory information ( late ) on all 3 credit bureaus. After making numerous attempts at contacting them they realized their errors & credited me back all paid monies. They however, have not corrected the credit reports. When I contacted XXXX, Best Buy ( CITI ) could not provide a date when I was supposedly 30 days late. Below is XXXX XXXX results. I've also attached detailed description of what lead up to their original mistake. 




From the XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear XXXX XXXX : This is in reference to your complaint against Citi. Your complaint was assigned ID XXXX. 

While we regret we were unable to reach your desired resolution, the complaint has now been closed in accordance with XXXX  policy. Your complaints closing will be described as follows in the companys XXXX XXXX XXXX : The business responded to the dispute but failed to make a good faith effort to resolve it. We understand that your concerns may not have been resolved to your complete satisfaction, so you may now want to pursue this matter through an alternative resource. To view a list of agencies you may wish to contact for additional assistance, please visit : XXXX XXXX XXXX 
Your complaint will be included in the company 's XXXX  XXXX XXXX for three years and be used to evaluate the overall performance of the company.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/22 I was trying to make a payment of my statement of {$740.00} for my " NFL Extra Points '' Visa credit card issued by Comenity. My monthly due date is on the XXXX of each month, so a payment not made today would be considered " late ''. Not only is their online system down, but when you call and try to make a phone payment, it plays an automated message and automatically hangs up, there's no way to talk to an actual person. When you try to make a payment on the phone, it also redirects to the automated message. So between both the website being down, and no way to talk to anyone on the phone, there's no way to actually make a payment, which means it could possibly be marked as " late '' and be a negative mark on my credit reports.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was presented with a credit card offer by Bank of America for a Travel Rewards credit card offering a {$250.00} sign on bonus, plus 1.5 % in rewards points. I clicked on the offer and went through the application process online. I received a credit card and utilized it for several months. I waited patiently for 4 months for the rewards and bonus offer to show on my account. I then decided to contact Bank of America to inquire into why I have not received these offers, and was told that this is not the card I applied for. I stated that I followed the offer that was presented to me online, as I would never sign up for a credit card without points or sign on bonus. I was told that they have the application reflect that this is not the card I signed up for. I let them know that there must be some issue in their system when being directed forward in the application that would have taken me to a card that I did not and do not want. I want to obtain the offers that were presented to me on the website despite what their system directed me to unknowingly.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Bread Financial Holdings, Inc. (CA)

I got a XXXX XXXX credit card not too long ago and I set up auto pay, so any time I have a balance it automatically pays it, and I noticed it hasnt been charging it. It was supposed to automatically pay it XX/XX/XXXX and it never did, Im also supposed to receive an email 10 days before it automatically charges and I never did. I received an email XX/XX/XXXX and it showed my balance not being paid which didnt make sense because it shouldve already automatically paid it and I couldnt get in my account. And about a week ago I tried to login and it wouldnt work and it said to do same day payment but when I tried it said I dont have a checking account connected, which I know for a fact connected my account and have proof of an email confirming it successfully connected, and it said no account information can be updated or account info accessed. Ive been trying to login since then and now its completely inaccessible. My payment is due XX/XX/XXXX and Im really stressed out because and I tried calling customer service and it says the offices are shut down and no one will answer and it automatically hangs up. I dont want my credit score to be penalized because of this. Ive never missed a payment in my life. And I got a {$35.00} credit award from XXXX because I spent {$900.00} at other stores within the first few months and now that credit is no longer showing in my XXXX app and I contacted them and they tell me to contact the credit card company who is impossible to get in contact with.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (GA)

on or around XX/XX/XXXX my taxes were due for XXXX county in the state of georgia i went to my local post office near my work and place my taxes payment written on my checking account with chase bank i actually went inside of the post office making sure i did not leave it in a mailbox on aroung the XXXX of XX/XX/XXXX i recieved a notice saying XXXX county never recieved my taxes payment eventhou i had checked to verify my check had been cashed after gettin a copy of the check i had sent form chase bank we realized the check had been cashed thru an account with XXXX XXXX i filed a fraud claim closed the acoount but have been told by my bank chase that they must recieve the funds from XXXX eventhou the check was made out to XXXX county tax comissoners i have called several times and only to be told they are waitng for XXXX XXXX XXXX to respond this has been goin on since XXXX of XXXX.
Consumer complaint received 2022-06-28
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: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 I submitted a dispute with Equifax about a bankrupcty on my report, I received a letter from them stated that they verified the bankruptcy through XXXX company on XX/XX/2021. So they how could not have been verified from XXXX because I had disputed the bankruptcy with XXXX and they have deleted it from my profile on XX/XX/2021. I sent Equifax the letter that I received from XXXX that show proof that they have removed the bankruptcy from my file and Equifax refuse to delete it from my credit report. So Equifax is reporting false information on my report. I called on XX/XX/2021 talked with one of their agents name XXXX who ID number is XXXX and he told me that there is nothing that they could do because they verified it with XXXX, so I asked if he can send me proof that XXXX say that I have a bankruptcy, and he said that he can not and I said then you must remove it because you are reporting false informantion. I would like to have this bankruptcy remove immediately from my credit report.
Consumer complaint received 2022-06-28
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Hi- I was charged a payoff quote request fee of {$30.00} on XX/XX/23 1/ I think this was deceptive as I didnt know there was a fee to request a payoff quote 2/ The website payment fee schedule on the website says the fee should be 'up to {$20.00} ' 3/ I've had multiple mortgages in my lifetime and do not remember being charged any fee for a payoff quote
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

Commenity bank ( specifically for my Victoria Secret CC ) has been down for the last couple days not allowing consumers to log on and make their payments. I had to log onto XXXX to find out that they would make special exceptions for late fees and would be lenient about charging late fees for all customers not able to pay their bill on time due to a system update. I have tried calling customer service to make the payment and their customer service line is down as well. There has been no communication to consumers about the systems going completely down and I should not have had to go on to XXXX to find this out. I am reporting this incident to make sure that a late fee will not be assessed on my account and they will not be reporting my late payment to the credit bureaus as this is commenitys fault.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I have XXXX and XXXX I'm not responsible for any medical bills. I have submitted all of my policy numbers to the collections ARS ACCOUNT RESOLUTIONS and hospital billing department and they just will not remove it from my credit report.
Consumer complaint received 2021-03-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (GA)

I have been trying to make a one time payment on my account since XXXX because last month my autopay stopped working for the first time in over a year. I assume this is due to me trying to add {$100.00} towards my principal balance every month on my autopay since that is the only change I've ever made in my account. None of my attempted payments have gone through and my bank has said twice now that they are not seeing any attempt to charge my account. Loancare keeps adding return fees and late charges to my bill and the representatives will just hang up on me instead of helping me resolve the issue. After being told multiple times by a representative over the phone and receiving email confirmation that my XXXX payment went through, it has not. I contacted Loancare via phone today to try to resolve the issue again and got the representative to double check my routing and account information. My account number was incorrect. How is this even possible when I have been on autopay over a year and not touched or changed it at all? You'd think a representative would check those things first if there were an issue but not one person I spoke with actually tried to help me out. Loancare is making it impossible to pay my monthly bill and none of their representatives actually stay on the phone to help. I've also reached out to Loancare via email and they sent " give us a call ''. The least helpful response.
Consumer complaint received 2022-06-28
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: AMERICAN EXPRESS COMPANY (FL)

NOTE : This was the closest category I could use. It does not accurately describe the issue. 

Regarding American Express account XXXX. 

The XXXX year end summary provided me has a negative balance in the amount $ ( XXXX ). In XXXX there were charges totaling {$1100.00}. American Express therefore owes me {$310.00}. 

I have spoken to associates, supervisors, and even their executive office. They acknowledge the issue. However, they do NOTHING but send me statement copies from XXXX AND bills with new late charges. More than one supervisor has stated that they would audit my account and provide the results to me. This has not happened, and is really a moot point. They could go back to the day the account was opened XXXX XXXX  ago, and audit every month. On XX/XX/XXXX, the balance would still be negative {$1400.00}, and they would still owe me {$310.00}. 

Despite this, and despite having a dispute against they balance they THINK I owe, I have been subjected to threatening collections emails and phone calls. 

As noted, and as a last resort, I contacted their executive offices. Initially I was told that reoslution would come in three business days. The next business day, someone emailed and stated that they would contact me in four more days. On the fourth day, at the end of the day, that person emailed and stated she was not finished investigating and would be in touch " when more information was available. '' Since then I have received yet another bill, with yet another late charge.

I have repeatedly told American Express that they need to send the money they owe me. I have emailed the " executive office '' person several times and stated this. All they do is ignore me.

I believe that two things are clear : ( 1 ) American Express owes me money and ( 2 ) American Express is engaged in unfair ( and possibly illegal ) collections practices. Of course I have to wonder how many thousands of others American Express owes money to. 

I will attach the XXXX  year end statement, downloaded from the American Express website. If you total the CHARGE column ( Column E, the result will be XXXX. I have also attached a screen print, taken from the American Express website today, showing charges of {$1100.00} Please advise as to what you can do to get me my money and to stop the collections. Thank you.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-06-28
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  Account ( s ) 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  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