davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
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. (MD)

Experian would not allow me to receive my free credit report through their website, so I mailed them a request for a credit report. I mailed the same request to XXXX  at the same time, and received my credit report from them on XX/XX/2020, but have yet to receive anything from Experian.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am XXXX years old I have lived in XXXX XXXX XXXX Florida since 1974 when my husband and i was XXXX here at XXXX XXXX. i have never lived in Georgia. And that is where this bill originated from. I have always paid my bills on time and paid them off and this is in my 3 credit Bureaus, there are only 2 discrepancies on my report coming from  Georgia. 
This is Fraud, I filed a police report 6-7 years ago with the XXXX County police department, I do not have that now, the man was arrested and charged. I applied for help with my citizenship he took my money and information along with others. I sent this company a notarized Affidavit stating this and they still want to harass me for something that is not mine. I asked for proof, such as a signed contract, ID showing that I did this, nothing but statements.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I setup AutoPay from my XXXX XXXX checking account. I designated Bank of America as my designated payee. Reoccurring charges were set up to pay Bank of America on the XXXX of each month. My Bank of America credit card payment due date is on the XXXX of each month. XXXX XXXX sent my payment electronically on the XXXX. For whatever reason, Bank of America is purporting payment was not received until the XXXX of XXXX. As a result, they charged me a late fee of {$35.00}. I dispute the late fee and I refuse to pay it. My payment was, in fact, sent on-time.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo illegally put me into forbearance when I never requested it. I asked for information about the program but I never wanted to be in forbearance. The email they sent me said " Note : If you find that you dont need this short-term payment suspension, please continue to make your normal payments. '' At that point Wells Fargo refused to accept my payments because they put me into forbearance. 

I have had to call multiple times over 6 months to try and get this resolved from my credit report, which they listed me in forbearance which tanked my score. They disputed the fact that I was in forbearance and they refused to remove the forbearance from my account for the past 6 months. I am also receiving letters about being in forbearance even though I did not want to be in forbearance.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I received a call from debt collector in XXXX AL, called Amsher. 
Trying to receive collection on a debt that is not real, from a company that I do not have an account with. 

They said XXXX sent me to collections for 109 XXXX They stated the debt was made XX/XX/2021, I believe. Before they told me anything, like the name of the company etc., they mentioned the last four digits of my SSN! They also quoted an address that has never been associated with my account, and is only found on my I.D . card. 

I went into a XXXX store in XX/XX/2021, where they took a picture of my I.D . card, however I am a XXXX customer and only was in the store because of the merger. 
If XXXX did have some collection on me ( which is impossible because I have reoccurring e-payments set up monthly that have been consistent the past year ) they would only have one address for me, which is the address on my account, not a very old address that is only on my I.D .
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (MS)

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 719XXXX has me at a score around 590. 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 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (ME)

I reached out to West Lake financial in XXXX of this year ( XXXX ) to see alternative financial options due to income changes brought on by covid and the dealership where I signed a loan of around {$7500.00} on a XXXX XXXX XXXX XXXX on XXXX, XXXX. Currently. The car no longer runs, XXXX continue to pay the outrageous monthly amount which is equal to a brand new car monthly payment with unbelievably HIGH INTEREST! Unfortunately, the response from Westlake financial was more frustrating. I was told, A contract is a contract I was hoping for lower payment amounts at least! I have worked so hard to clean my credit for years, Ive since had to purchase a clunker. Im not rich, Im a graduate student and mom of XXXX receiving XXXX Westlake Financial does NOT care about your hardships! A contract is a contract! Every time I look at my statements it looks like I pay NOTHING! It never decreases by much! 

For example ; Monthly Payment {$220.00} I pay {$85.00}. Interest fees a month Principal {$130.00}
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I have disputed with Equifax and, XXXX XXXX XXXX XXXX XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  I have written them letters to no avail, XXXX  XXXX is the only one who has obey by the law 609, I have not received from Equifax or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX nothing with my signature on it I would like for the law to be put in place here.
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

On approximately XX/XX/year>, I was booking flights for XXXX XXXX on their web site and was offerred the Citi XXXX AAdvantage XXXX XXXX XXXX XXXX Mastercard with a {$200.00} statement credit for money spent on XXXX  flights, and a XXXX bonus of miles. 

The terms and conditions of the card ( taken from the web site ), includes the following : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. '' I applied for the card online and was given instant approval, however, it did not provide a temporary account number to use to book my flight so that I would get the {$200.00} flight credit.

I called support at CITI multiple times to try to get my card number, on different calls, I was told the following things, none of which were listed in terms of service or were true : 1. After applying for the card it did list a temporary number and I just didn't see it ( it was NOT listed on the web page ).

2. I was told if I had waited on that page for about 10 minutes it would have updated and shown me a temporary card number. I don't know if this would have happened, but there were no instructions listed that I had to wait for 10 minutes on the page to see my card number.

3. I was told by another rep that within 2 days, I would be sent an email with a link that would provide me with me temporary card number. I also did not receive this email.

At no time did a representative provide accurate information on getting my card number, and they were unwilling to provide support to find a way to get me my temporary card number.

The cost of my flight kept going up, so I had to book the flight using a different credit card as I could not wait 10 days for it to arrive in the mail. So not only did I not receive the {$200.00} statement credit for using the card for my flight, but I also lost another {$200.00} by waiting to book my flights and having the price increase. Due to Citi not following it's own terms and services I lost out on over {$400.00}.

I now have a credit card I do not want, which was added to my credit history, only because Citi violated it's own terms and conditions.

I am not the only consumer having this issue, you can see others complaining about the same problem in online threads : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX Original creditor name XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX has been inaccurately reporting on my consumer credit profile since XXXX of XXXX. Ive reached out via email & certified mail multiple times to no avail. I also understand this is a direct violation of, but not limited to ; 15 USC 1681-furnishing a consumer report without consent, 15 USC 1681 [ A ] [ 2 ] [ B ] furnishing an account that was created from a credit card or similar device, 15 USC 1692J furnishing a deceptive form to make the consumer believe they owe a debt, 15 USC 1602 ( k ) drafting a contract or similar instrument in which the consumer can not adequately understand.

Im asking you to help remove this charge off immediately
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I filed a dispute with Experian regarding the incorrect balance begin reported for my XXXX  XXXX account. A balance of {$450.00} is being reported instead of my statement balance of {$41.00}, the charges being reported are due to fraudulently charges that where charged to my credit card on XX/XX/2020. These charges have since been corrected, however they refused to corrected my balance with the credit bureaus. Experian closed the dispute on XX/XX/2020 without correcting my statement balance.
Consumer complaint received 2022-09-21
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)

The following account has just shown up on my Transunion credit report... XXXX XXXX XXXX not only is this account completely fraudulent and not mine, its also as of 3 days from now not even legally collectable here in the state of California . This is the first I have even heard of this supposed debt four years later! That is unacceptable as all of my contact information is public and its very easy to get in touch if there is a legitimate debt. This account should be removed based on the California law alone, however it is also in violation of the following federal laws. 

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

15 U.S.C 1681 section 602 A ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Again I never had the chance to speak with this collection agency or the original creditor to validate this supposed debt. This month is the first time it has shown on my credit report I know this because I check all three bureaus every week. This is a very unacceptable way of doing business and for that and the above violations this account should be deleted from my report immediately. Both the California and Federal laws which are being violated the reporting of this account are attached below.
Consumer complaint received 2020-09-23
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: AMERICAN EXPRESS COMPANY (CA)

American Express is refusing a welcome bonus for the XXXX  XXXX  despite me never holding the card, and my current AMEX products being in good standing and receiving a large portion of my spend ( nearly XXXX last year ). The reasoning they give me is inappropriate, the only times I stopped using any previous Amex product ( Delta Gold ), was to instead put my spend on the more expensive Amex product ( Amex Gold ) instead. Customer service basically told me that it sucks, but it is what it is, and that the " system '' makes its decision and it can not be appealed. The terms for denial of bonus are too vague and anti-consumer, as it gives the company license to deny bonuses for any reason, without giving the customer an appropriate or explicit answer as to why.
Consumer complaint received 2022-09-12
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have several incorrect addresses and misspelling of my name on credit reports with the 3 credit bureaus, Experian, XXXX, and XXXX. I've attempted to resolve the issues by disputing information and they continue to denied my disputes.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Experian currently reports accounts under the name XXXX XXXX  XXXX XXXX. Original creditor XXXX XXXX XXXX XXXX XXXX 

This account will reach it's statue of limitations of 5 years in XX/XX/XXXX in my residence states of Florida. Reason being, account was open XX/XX/XXXX. Under federal law this account must be deleted under FCRA rules. 
Please see explanation in attachment ; If account continues to report as accurate after XX/XX/XXXX Experian shall be held violation of federal law.
Consumer complaint received 2021-01-22
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. (AZ)

I filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.
Consumer complaint received 2021-01-22
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. (MA)

Experian keeps reporting my XXXX  XXXX credit card balance before my actual due date on the XXXX of each month. 

Experian continues to report XXXX on my report, even though XXXX has sold this account, no longer owns it, a new company does, furthermore they will not allow me to dispute it at all, they want me to give them a letter. Isnt this what they are supposed to do, FACT FIND AND UPDATE INFORMATION AND NOT REPORT INACCURATE INFORMATION. ALSO, THIS IS MY 2ND OR THIRD TIME REPORTING THIS EXACT SITUATION HERE. WHY ARE THEY ALLOWED TO VIOLATE FCRA? 

EXPERIAN REFUSES TO TAKE A LATE PAYMENT OFF for XXXX XXXX. THAT WAS TAKEN OFF THE OTHER 2 CREDIT BUREAU REPORTING AGENCIES, THEY WANT MY CREDIT TO REMAIN IN THE FAIR RANGE and not GIVE ME THE SCORE I DESERVE. I HAVE HAD EVERY DEROGATORY ACCOUNT REMOVED, BUT EXPERIAN REFUSES TO REMOVE THEM. I ALSO FIND THEIR BEHAVIOR RETALIATORY and deliberate for reporting them here.
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Myself and my girlfriend live in XXXX  and we closed on our home purchase on XX/XX/2020 and our loan was through XXXX XXXX. Almost immediately after closing XXXX XXXX  sold our mortgage to loan care in XXXX. XXXX XXXX  did not have all of the details of our loan ( mortgage payment ) complete before selling it to loan care. Prior to closing we were required to have flood insurance however we went through the XXXX process and obtain a letter of map amendment from XXXX stating we did not need flood insurance. XXXX XXXX  obviously never transferred that information to loan care however I did. Loan care received the letter stating we were not required to have flood insurance in XX/XX/2020. We made our first mortgage payment to XXXX XXXX  because the loan had not yet been fully transferred to loan care. That payment was for {$590.00}. Our 2nd payment went to loan care for {$590.00} on XX/XX/XXXX. The payment amount of {$590.00} is " with '' the flood insurance that we are not required to have and that insurance has been cancelled for some time. I have contacted loan care " several times '' explaining this and they have confirmed to me verbally and with a letter they sent to me dated XX/XX/2020 that they are aware that we do not need flood insurance however our mortgage payment is due today XXXX and loan care has still not removed the flood insurance portion of our mortgage payment. We will be forced to make our 3rd mortgage payment in the amount of {$590.00} when it should be less minus the unnecessary flood insurance. We could be using that extra money we are paying for flood insurance that we don't need and that has already been cancelled for our other bills. I do " NOT '' want your office to have loan care call me because as I stated I have discussed this with them several times and gotten nowhere. If I could resolve this issue myself with loan care I wouldn't need to file this complaint.