davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (TX)

Experian lowered my credit score in XX/XX/2021 by XXXX points from XXXX to XXXX. I understand minor 1 point fluctuations up and down over time. 
XXXX  currently has my score at XXXX as of XX/XX/2021. 
Contacting customer support at Experian resulting in the customer service agent saying " they don't calculate the score '' " we use different metric than everyone else '' " you have $ XXXX plus on credit cards right now, that could lower it '' Facts. 
XXXX has {$1100.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card {$10000.00} XXXX has {$1600.00} balance - payment history rated by Experian as " exceptional ''. Limit on that card is {$19000.00} XXXX XXXX XXXX XXXX - 73 % complete, {$29000.00} left on a {$100000.00} loan, payment history rated by Experian as " exceptional '' No other debt. 

Yet Experian can not explain a XXXX point drop out of the blue. Their customer service via online chat and over the phone can not answer a simple question or tell me how to resolve it. " why did it drop XXXX points '' Experian 's answer? " We don't know, it just did. ''
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : Bankruptcy Ref. No. XXXX Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, is immediately and completely REMOVED from my file. To whom this may concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information. In XX/XX/2020 and months preceding from XX/XX/2020 onward I received a response from Transunion stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s Per the PROCEDURES and laws stated in 15 U.S.C. 1681i and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been disputed BE NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above, I have requested this information be SENT to all CREDIT REPORTING AGENCIES and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT. I have sent several letters to Transunion, which have been repeatedly denied for removal this public information from my credit file. I have contacted both the U.S. Bankruptcy Court of Texas and the PACER system and they have both confirmed that they do not and will not verify such personal information. Per FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. Please be advised that a copy of this letter has also been sent out certified mail and to the U.S. Bankruptcy Court of ( Texas ). 

Regards, XXXX XXXX.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (GA)

Good Evening, I am reaching out about a situation that has yet to be solved between XXXXAmerican Express . 

The situation first began with AMEX. I thought transactions on my XXXX were fraudulent with my AMEX XXXX card, so I called to get the transactions disputed. After realizing days later that the transactions were in fact mine, I immediately called back AMEX and told them that the transactions were indeed mine. Right away, they charged the transactions back to my AMEX XXXX card and told me that I had to pay the amount. 

I also asked AMEX if the transactions would also be cleared up with XXXX and they told me yes. These transactions occurred in XXXX. Staying on this, I called XXXX, who told me that the transactions were still under review and that if they were disputed with my bank, AMEX would have to call and speak to them themselves. 

When I called AMEX asking if they can speak with XXXX to clear up this confusion, they told me to wait up to 45 days and the transactions should be cleared. It is now XX/XX/XXXX and THE TRANSACTIONS ARE STILL NOT CLEARED UP! Yet, AMEX has charged me for these amounts and has paid off the transactions. 

This issue is also hindering the users ' accounts on XXXX because they were flagged as fraud and XXXX has yet to reimburse them the money! 

When I called XXXX again, they told me that AMEX had to call them. Tired of waiting, I called AMEX three-way and was told that I had to get off the phone because I was not a merchant account holder. Agreeing as long as the task was going to be completed, I got off the phone. The representative from XXXX informed me that he could not get ANY clear answers from AMEX customer service. 

WITH THIS BEING SAID, THIS MATTER HAS STILL NOT BEEN SOLVED. PLEASE CLOSE THESE DISPUTES SO THESE PEOPLE 'S ACCOUNTS CAN BE USED AGAIN AND SO THEY CAN GET THEIR MONEY BACK! ESPECIALLY IF I HAVE ALREADY BEEN CHARGED FOR IT!
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello! I sent a XXXX transfer of {$1500.00} on my business debit account of BANK OF AMERICA XXXX XXXX XXXX From my XXXX  to my personal account in BANK OF AMERICA to the number of ( XXXX ) XXXX - which is my own number which I sent all my payments to previously without any issue. In the date of XX/XX/2022, this money was sent but was never received to my personnel account or refunded back to my business debit account which I sent it from. Then I called several times throughout the month and on XXXX of XXXX, I submitted a claim to Bank of America to let them check thoroughly for the {$1500.00} I sent. They have sent back the reply on the XX/XX/2022 saying they can not honor my claim of {$1500.00} because it was received which I have all the proof that I have not received on any of my accounts either personal or business account. I have the confirmation numbers from XXXX about the payment sent and the proof of the {$1500.00} leaving my business account and not reaching my personal account. I have the automated texts from BANK OF AMERICA that states that I have sent and it was received on the number of ( XXXX ) XXXX - my own number, but to prove, I have all evidence to state I have not received a single penny. If you want to contact me, please reach me at ( XXXX ) XXXX or ( XXXX ) XXXX or e-mail me at XXXX or XXXX To this date, I have not received anything regarding payment and they do not want to give me back my own money. 

Thank you!
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (NY)

I have a credit freeze and need it temporarily lifted for the mortgage refinancing. Two our of three credit reporting companies did it quickly and with no issues after verifying some personal information with me. With Experian, not only did I have the PIN from 3+ years ago, I also provided all correct information to check my identity, and this is the response - " To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request '' And there is NO WAY to speak to a live representative to ask for help. Zero. The automated phone line responds with the same message. 

ARE YOU KIDDING??? I need the credit unfrozen now. I dont have time to mess around with MAILING them stuff and wait for them to mail it back. My bank or broker will get me whats needed, including a wire, instantly over the phone, while this PRIVATE company who collects all my information and participates in approving or disproving my credit without my consent thinks they can hold back my refinancing?? If they are so incompetent that they can lose customer data again unless they create a huge problem for the people ( who havent even approved this type of data collection! ), maybe they should be banned from participating in reviewing the creditworthiness of the customer? Seriously unbelievable experience.
Consumer complaint received 2022-09-21
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-07-07
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. (CA)

On XX/XX/21 I sent a dispute letter to Experian with the tracking number XXXX. USPS records show that on XX/XX/21 Experian accepted possession of my letter. The purpose of my letter was a request for a reinvestigation of items on my credit report. My dispute request and instructions were reasonable and within my legal right. Experian has an obligation to complete the investigation within 30 days from the date they have accepted the letter. My request is not a duplicate of any previous communication with Experian. Experian willfully ignored my dispute. They have failed to conduct a reasonable investigation within 30 days from the date they have received my dispute letter. I sent Experian a follow-up letter dated XX/XX/21, with the tracking number XXXX. USPS records show that Experian accepted my letter on XX/XX/21. In my second letter to Experian, I requested they follow my requested action for each account that I disputed. The Fair Credit Reporting Act mentions that consumer reporting agencies have an obligation to ensure maximum possible accuracy. The law also mentions that consumer reporting agencies must involve their users in a reasonable investigation and complete it within 30 days. I believe Experian is attempting to avoid their obligation to Federal Laws for their own commercial gain. They continue to sell this inaccurate, and unverified information to other companies. Further hindering my ability to purchase a home. Experian is being unfair and hoping that I will get frustrated and just give up on this matter. I attached a copy of each dispute to this complaint.
Consumer complaint received 2022-09-21
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. (CA)

There was a hard inquiry on my credit report on XX/XX/2022 by XXXX XXXX for a credit card that I did not apply for. I called XXXX XXXX  and Experian reporting the fraud alert.
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Citibank charged my minimum payment twice on XXXX of my credit cards for {$52.00} and {$84.00}. My credit cards ending in XXXX and XXXX respectively. I need a refund of the amounts charged to my original debit account.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner sent me letters about an alleged debt that i owe them. They are reporting to the major credit bureaus that i owe this debt to them although they have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. I have requested three times by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$300.00}. I have never had an account with XXXX. Caine & Weiner states that I had an account in the past with XXXX but they have not provided any proof showing my signature on any documentation that this account is mine. I have sent them three Certified dispute letters requesting documents with my signature where i signed for this alleged debt. They have not validated/verified this account, they should not report and they need to remove the account from my credit reports. They have not provided any documentation SIGNED BY ME that supports this debt is mine. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. I DO NOT OWE ANY MONEY TO Caine & Weiner or anyone regarding this debt. Caine & Weiner is illegally trying to collect and reporting this account to the credit report. I have also contacted an attorney to sue for damages.
Consumer complaint received 2020-05-08
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 (FL)

American Express offers " create a plan '' for larger purchases where you can make payments over months with NO INTEREST. What they fail to disclose is that there is a charge for doing this fixed payment plan. It's not until you go to several drop down menus that they have a tool that gives you an estimate of what fee is. However when you actually make the purchase I received another fee ( higher ) than the tool had showed. 

I feel they clearly did not state that there is a fee charged with using this upfront. Like other credit card companies they notify you of any fees ( usually represented in a % of what total amount is ). 

I called AMEX and was transferred 4 times, on phone 79 minutes and no resolution. The last person I spoke with said he'd be calling me back and see what they can do. This was 3 days ago. 

I feel it should be clearly stated that there is a fee associated with this type of " create a plan '' and this fee or % should be accurate not change once a purchase is made. I could had made this large purchase on another credit card that offered NO INTEREST til 2021 if I'd known about this charge from AMEX which is roughly 5 % fee they are charging to use this " create a plan ''
Consumer complaint received 2021-07-07
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. (AL)

We went to a local credit union today to open an account. While opening the account the credit union employee told me that Experian had XXXX social security numbers under my name. I called Experian to fix the issue and could not get anyone on the phone, it was eternal automated support. It was an experience I care to never repeat, I just wanted to get the error cleared up.
Consumer complaint received 2020-05-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (IL)

My complaint is about XXXX XXXX located in XXXX, IL. 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call XXXX XXXX at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX  XXXX nor this XXXX XXXX. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXX  by which i take XXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Consumer complaint received 2020-05-08
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. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Once again Im having to dispute these crooks posting inaccurate data on my credit report!

The Delinquency date is wrong in one or the other!

They claim both bills were from one visit why would there be two different dates a month apart!

Delete these accounts from my credit file! These crooks used unlawful HIPPA violation document to unlawfully validate these accounts!

Youre all gon na be sued!
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (GA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (WA)

Collection Bureau of America working as XXXX XXXX had a {$10.00} " late fee '' added to my account XXXX. I paid that account, in full, on XXXX. 

The late fee they added, they have been reporting as late since XXXX. It has destroyed my credit. 

This is for account XXXX under XXXX XXXX, just in case CBA wants to say they " don't have my account '' like they tried to say earlier, when I told them they are extorting the {$10.00} payment as a Pay to Delete scheme. 

Funny. All of a sudden, they delete my account. But then, they will not tell me that ALL incorrect credit reporting will be removed going back to XXXX. 

This has been the single biggest negative mark on my credit and I have recorded all calls with them today. I will have no issues taking them to court and publishing the entire experience, including the initial extortion, online. And I will promote that page so it is viewed as much as possible.