davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Good afternoon, I am a XXXX American Express customer and generally plan to pay my monthly balance in full each month. Recently, American Express advertised and promoted a service called Plan It, which allows for customers to pay purchases over time for a fee. In this instance, American Express was promoting this service for no fees to attract customers. 

On XX/XX/XXXX, I created a Multi Transaction Plan for {$5500.00} to be paid over 12 months with a monthly payment of {$460.00} and no monthly fee. This information can be verified in my credit card statement with a closing date of XX/XX/XXXX. 

Over time, I have noticed that it is easy to make payments to American Express using the app or website, but very confusing to see how payments are applied. 

The credit card statement with closing date of XX/XX/XXXX, shows that American Express applied payments to my Plan balance, something that I did not intend to do. Payments that were submitted that were in excess of my non-plan balance were applied to plan ( {$2700.00} ). The result now is that I have a balance of {$6600.00} due this month, rather than {$3900.00}. 

From my understanding, if I do not pay this amount, I will start accruing interest on my non-plan balance pursuant to my cardmember agreement. 

On XX/XX/XXXX, I called the American Express customer service telephone line indicated on my credit card to see if they could help. The first customer service agent asked a series of questions and indicated she could not help and transferred me to the plan department to see if they could assist. The plan department asked me the same series of questions and indicated they could not assist. The plan department also indicated they could not escalate the issue. On the same date, I signed on to my American Express account and initiated a chat with an agent seeking the same help. Two agents and one supervisor could also not assist. 

I am forwarding this complaint as I feel that it is confusing for customers to see how their payments are applied when they are making payments on their accounts with American Express using their online tools ( website and app ). Credit card companies should not penalize customers for paying early so that they can collect interest based on a confusing payment hierarchy that is not easily seen or understood. 

Thank you for your time and consideration.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (NC)

I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX Experian credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, Experian as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and XXXX XXXX, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Regional Management Corporation (TX)

The past 3 weeks ago I had 2 different phone calls from 1. XXXX XXXX XXXX and the other is Regional Financial about online applications of {$10000.00} loan that I didn't apply for. I am afraid that my identity has been compromised. I also received some letters about some banking accounts being opening in my name and I don't know if there is more frauds going on. I also have a couple of hard inquiries on my credit report. Thank you for the help.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, 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)

From XX/XX/XXXX until XX/XX/XXXX there has been some sort of system glitch in Equifax to wear my entire 14 years of credit history has been wiped I cant see it and creditors are unable to offer me credit because they are seeing it as well. DISAPPEARED! I contacted Equifax on three separate occasions on the third occasion I finally got to speak to a person who told me that in their computer nothing is gone but on my end my credit score dropped from XXXX to XXXX and shows me having absolutely no credit cards no mortgage no nothing. The gentleman I spoke with did not care about the situation would not let me speak to a technical advisor to see if there was an issue with the online application and refused to help me at all. Another friend of mine checked his and his credit is gone too!! Equifax has had another breach and they are not reporting it nor letting anyone in the public know about it. When you called they either hang up on you or refused to help!!! This negligence is keeping me from being able to fund my small business. And its destroying my credit rating even though the other two bureaus are up-to-date and accurate.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I was notified by Suntrust ( Truist ) on XX/XX/XXXX that there was unauthorized access to my account. Fraudulent checks and withdrawals were used to take money out of my checking account. The bank stated they were investigating ( XXXX number XXXX XXXX ) however they refuse to return phone calls or provide a status of when they will be returning my money. I have called every XXXX weeks since XXXX with their response being " Call back in XXXX weeks '' I am on a fixed income and I believe they are trying to steal my retirement money. The bank has cameras all around and should be able to easily identify and arrest who committed this crime. These withdrawals happened in a different state from where I live.
Consumer complaint received 2022-03-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pacific Retrieval LLC (CA)

Phone call received by company identified as Pacific Retrieval LLC, told me I owed them {XXXX for towing/tow yard charges on a XXXX XXXXr with me listed as the owner. I have never owned a XXXX XXXX, the vehicle was registered by the dmv under my ex-husband with XXXX  XXXX XXXX as the lienholder. The man said that my ex signed a release of liability on the vehicle which by law can not be done since the vehicle was legally owned by XXXX  XXXX XXXX. He said he would take this to court and my credit would sustain significant damage if I didn't pay him the money.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

From the XX/XX/2021, I received repeated phone calls from Portfolio Recovery on a debt that was a result of identity fraud. I've sent the police report explaining the situation and have still received calls. I asked for proper documentation, they sent me a blank statement that does not show when I opened the account, what it was used for or anything! The last representative I talked with told me, well its obviously not fraud, its in our favor so you need to pay this. I asked this company not to call me and they repeatedly call from different numbers trying to scam me out of a fraudulent account!
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have made numerous attempts for a year to Experian on an alleged account called XXXX XXXX XXXX # XXXX to be removed from my credit due to inaccurate reporting and FCRA violations via certified USPS. I've sent certified mail to the alleged collector asked for original consumer contract with my signature and what service i am being charged for. XXXX XXXX did not respond, they have no original consumer contract. I requested in writing Experian provide me with validation documentation of the reinvestigation not verification. I receive the same response from Experian, verified with no valid documentations. Experian willfully failed to conduct a reasonable investigation into my dispute because when requesting documents into their investigation the refused to provide anything.An assumption is not a valid reason under the FCRA. without a valid contract they are violating the law. Reporting this account " Open '' as a " Collection '' with a " past due balance '' of {$410.00} clearly violating FCRA as well as my rights. i requested for the account to be deleted because it was violating FCRA laws and guidelines, Experian refused to delete the account.The account until today is being reported with two different names, two different addresses, two different dates the account was open and two different dates of last activity on two different credit bureaus.The original creditor is listed as XXXX XXXX XXXX XXXX which does not exist. XXXX XXXX opened an account dated XXXX XXXX with no contract, i have that in writing which i will save for court.The violations Experian is continuing to report are astonishing. Experian has hurt my credit and violating my rights according to FCRA laws & guidelines. Experian is abusing the system, violating any laws or guidelines?
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NE)

Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I filed a complaint with this agency against portfolio recovery. They inaccurately reported that I owe them {$410.00} to all bureaus. I asked portfolio recovery to verify the debt with the original signed application and the statements showing where the balance came from. The only thing they sent me was a copy of a letter that the debt was sold to portfolio from cXXXX  XXXX. THEY ARE REFUSING TO VERIFY THE DEBT. I live in an apartment building with multiple families, unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this negative account. also they have my name on the account as XXXX XXXX but my name is XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

I was under the impression that I was offered a loan through my bank app. I was offered XXXX for 60 months at 12.99 % interest for approximately {$220.00} a month. 
I applied and was denied. When I inquired as to why, I was told my credit ratio was too high, I had overdraft over the previous 9 months and I had been delinquent on payments. 

My credit ratio is 30 % which isn't the best but my payment history has been perfect and I may have overdraft but only for a few hours making sure to make a deposit before XXXX EST that day. 

The official letter sent was unsigned without any phone numbers. When I called wells fargo, transferred to a supervisor and then corporate to ask why there was incorrect information being reported, I was told I had to contact the credit agencies. 

I told them that I check my XXXX  and XXXX XXXX  weekly and both show perfect payment history therefore the issue is not with the credit reporting agencies. 

I was told that they base decisions off of certain terms with no reason given for the inaccurate information and given a generic response. 

I asked which dates that I overdraft and was not given an answer. 

I asked why the letter was unsigned without any phone number and was not given an answer. 

I don't trust them for a loan at this point but feel they're inaccurate reporting is negatively and monetarily harming me since I'm trying to get a loan for home repairs which will cost more now due to their inaccurate reporting and have since I lost an XXXX  loan offer through a home repair company that was basically guaranteed fot weeks but coincidentally was turned down for after this entire ordeal with wells fargo
Consumer complaint received 2022-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

On this XX/XX/XXXX Midland Funding LLC opened a collection. 

Account # : XXXX {$2400.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written any consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 

Please have this removed from all XXXX credit bureaus. 

XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I've reached out MANY different times in regards to 2 collections accounts being falsely reported by the credit bureaus from XXXX XXXX. I have made many attempts contacting the credit bureaus trying to resolve this matter because its simply inaccurate. I have NO idea who XXXX XXXXs is and I've reached out to them and they've stated that they can not give me information because I was unable to give them the correct personal information ( such as last 4 of my SSN ) attached to the collections account. If the last 4 of my SSN is incorrect for verifying the account to get more information then that would obviously mean its attached to the wrong person aka ME!! A representative from the collections agency said that it may be a mistake as well. I have a son with the same name that it may belong to. I've sent many letters to the credit bureaus regarding this matter and trying to correct it. Its been SEVERAL MONTHS that they are saying its under investigation. Its been WELL OVER 4-5MONTHS. They keep dragging this thing out and I've sent XXXX different letters for each month. They've said it'd take 30days for a response and its been MONTHS! Its frustrating because I have a full-time job and when I reach out to the bureaus I get a LONG wait time, hung up on, or the same dam answer that its under review. I am getting exhausted trying to get this inaccurate information off of my report. Its UNFAIR how powerless I feel that I can not do anything about inaccurate information. It should be against the law to effect someones credit file like this with no consequences. AGAIN I have a son with the same name and this is not the first time that our information has gotten mixed up on our credit files. I will be in the process of attempting to sue the bureaus because of this. It disables me from being able to get the credit I know I am eligible for or if I do costs me higher APR 's due to these 2 collections accounts! This is UNFAIR! PLEASE HELP!
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.