davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from Transunion only, requesting a bunch of prove-you-are-you data. XXXX  phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

On different occasions i called Experian, because there is always something random appearing on my credit report, that i did not authorize and when i try to resolve the issue i get transferred from call to call spending hours on the phone without anything being resolved. 

i had a hard inquiry i did not make which appeared as XXXX on XX/XX/2018, once i was aware of that hard inquiry i immediately notified experian to let them know i did not make such inquiry, i talked to different people even a supervisor and was told Experian does not dispute and remove unauthorized hard Inquiries because it factual information. this called took place back in XX/XX/2018 and still nothing has been removed. i talk to XXXX  back in XX/XX/2018 and they said they will contact Experian and nothing has been removed yet.
Consumer complaint received 2018-03-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My husband and I purchased a home in XX/XX/XXXX and the loan is being serviced by LoanCare. At the beginning of XX/XX/XXXX, we received a letter from LoanCare stating that our mortgage was increasing by {$300.00} per month because our taxes had increased to {$4500.00}. I wrote back to them and sent a letter from the XXXX XXXX XXXX appraiser stating that we had filed a homestead exemption. I waited a few days then called to see if they had received the paperwork. They said that they had a nd that I would have an answer with regard to re-calculation by XX/XX/XXXX No one called me back. I called them back and spoke to a XXXX who told me the tax dept was working on it and that I would have an answer in 72 hours which would have been XX/XX/XXXX. No response. I called back on XX/XX/XXXX and spoke to two people, one named XXXX who told me that re-calculating normally takes 6 weeks. I asked to speak to a supervisor, he told me no one was available but that someone would call me back within 72 hours. Still no response. I have on two occasions requested, in writing, for an advocate, and have gotten no response! I now wonder if they are working on a re-calculation at all and where did they come up with the {$4500.00}. The County estimated our taxes at {$2300.00}. We are seniors and can not afford this {$300.00} per month increase, especially when we did our exemption. Can someone help us. This company it totally unethical and unresponsive.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Five Lakes Agency (GA)

FIVE Lakes Agency [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Five Lakes Agency ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely, FB
Consumer complaint received 2018-03-19
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: DISCOVER BANK (GA)

I was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX  for that particular billing of {$90.00} again, Making me owe the same amount twice!

In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail.

Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account.

The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ).

Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (PA)

I disputed a charge on my XXXX Chase credit card, because the merchant sent me an inferior product and when I attempted to return the item according to the terms I was told at purchase i.e., free return shipping, they refused to give me a return authorization form. 

Also, there are numerous reports against this company, XXXX. I have told XXXX Chase Visa that I have no intention of paying for the item, but they continue to add finance charges on the statement each month. I have ceased using my XXXX Chase Visa because they refused to respect me as a good customer. 

Just yesterday I received an invitation to extend my credit line with them because, as the letter indicated, I was a good customer. I have been a good customer of Chase and despise how I have been treated in this manner. I called XXXX Chase Visa and no one would transfer me to the letter writer. 

I want XXXX Chase Visa to cease sending me statements with XXXX and finance charges. I have repeatedly told XXXX Chase Visa that I will NOT now or in the FUTURE pay for this faulty item sold under false pretenses. 

Here is a list of some of the complaints against XXXX : XXXX XXXX XXXXXXXX
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

I have been receiving phone calls from company called ERC from the number XXXX. They called me asking me to pay money to a healthcare provider. They asked for my information without reading it to me first, such as my phone number and address. They asked if I could pay an amount owed and I said no. I was told that they would document my response and begin their " next step ''. 

This is not first time this number has called me attempting to get my information. Whenever I ask questions about the nature of the call, the person on the other line immediately hangs up. 

Their website is www.ercbpo.com
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MO)

In XX/XX/XXXX and XX/XX/XXXX I submitted a dispute via certified mail regarding an entry on my credit file and according to the FCRA a company has 30 days to prove validity with ( ie signed contract, not a bill as it does not validate. They have broke their contract by choosing not to provide proof
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-12
Product: Credit 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 (MD)

On XX/XX/XXXX, I booked a round-trip flight # XXXX to XXXX, Minnesota, to the XXXX XXXX for medical attention . The booking was made through American Express XXXX XXXX using their website. Tickets were issued for flights ( # XXXX ) on XX/XX/XXXX from XXXX and for a return flight on XX/XX/XXXX from XXXX [ one stopover at XXXX ]. American Express booked the flights on XXXX and billed my AMEX card for {$510.00}. 
I discovered that I would not need to stay in XXXX for the full period from the XXXX through the XXXX, so I changed my reservation to get a return flight on the XXXX. This led to an increase in the ticket price, which added {$160.00} to my bill bringing the total to {$670.00}. I selected a flight that left XXXX at XXXX XXXX. and was routed through XXXX ( XXXX ) for a return flight to XXXX. The next day, I received an email from American Express showing that my XXXXXXXX XXXX flight routing had changed, and the flight would now take me from XXXX. 
I received notice on XX/XX/XXXX that my XXXX XXXX visit was no longer necessary, so I called AMEX and initiated efforts to cancel the trip. After spending at least 20 minutes on the phone with an AMEX agent, assuring him that I needed to cancel the booking, he apparently did nothing. I checked back on XX/XX/XXXX to find that the booking had not been canceled. I called AMEX again and told them to cancel the flight. They refused to cancel the booking unless I verbally agreed to give XXXX the {$680.00} for some future flight. I again requested cancellation and emphasized that giving XXXX my money was not part of any agreement I saw or agreed to when I booked. 
My plans were not finalized when I initially booked the trip to the XXXX XXXX, and I only booked then because the American Express website said the booking could be canceled up to 24 hours before the flight. Nothing on the website informed me that the ticket was non-refundable and that I would only be given a credit on the airline ( XXXX ). If, in fact, this was the case, this should have been displayed on the webpage. 
I have personally had no interactions with XXXX, only AMEX. AMEX should be responsible for returning my {$680.00}, and they should not give it to XXXX. 
This is my second bad experience with AMEX in less than a year. In XXXX, AMEX booked me with an unscrupulous rental car company in XXXX XXXX operating under over 20 names. They ( AMEX ) advertised the rental company as the lowest-price provider. Although I already had car rental insurance, the company refused to accept it ( I have a rider on my AMEX card ) and insisted that I buy insurance from them at the cost of {$500.00}, for they would not rent me a car. Stranded in a remote location without transportation because of this shady rental company AMEX was pushing on its website.
Consumer complaint received 2018-03-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My office was burglarized and several coworkers credit cards were stolen including mine. This happened at approximately XXXX on XX/XX/XXXX. I was informed of theft by coworker, when I checked my wallet, I noticed that my Bank of America personal and business credit/debit cards were missing and a XXXX XXXX credit card as well. I immediately called Bank of America to report theft and block cards from additional charges, this was approximately 2 hours after theft. While on the phone with the credit card fraud department, I was logged online to my B of A accounts to confirm fraudulent charges. When on the phone for the business account I saw only 1 fraud charge at that moment, it was a charge for {$3800.00} at XXXX XXXX   XXXX  CA. I explained that this was a fraudulent charge, and that I have never shopped at this store ever. Initially B of A provided a credit for the the charge from business account on XX/XX/XXXX. B of A then reversed the credit on XX/XX/XXXX for the amount of {$3800.00}, claiming I had made the charge. I contacted the claims department at B of A to reopen the claim and provided police report numbers and supporting information the this was a fraudulent charge. I have called back every week to get B of A to recognize that this was not a legitimate charge. Of note my B of A personal credit/debit card fraudulent charges were all returned. It seems odd that they would confirm fraud for one card and not the other. I was responsible and called immediately when I noticed the card stolen. I managed to stop further charges by acting quickly.
Consumer complaint received 2018-03-19
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: EQUIFAX, INC. (MA)

The credit reporting agency equifax will not provide a copy of my credit report. They are indicating that my information is not the same as theirs and this is true. Equifax has a mortgage with several companies asking which company I hold the mortgage with, they also have another question asking how much i pay for said mortgage. I do not have a mortgage and have no mortgage payments so I check none of the above. Equifax also asks a question about a truck with several options asking what bank I bought the truck from as well as the payments again I do not own a truck and checked none of the above. Equifax denied my request for a credit report stating it was not me as the information they have is different than I have indicated. I have made many attempts to get a credit report and fix the error including sending it through the mail and contacting many different people who handle disputes from the company I have been unsuccessful as they still say my information is different than theirs. They have ruined my credit so bad I cant even buy oil to keep my house warm. My daughter died several months ago and I have XXXX grandchildren to try and keep warm I have also had to dispute credit mistakes with the other credit companies but they sent the report and are investigating the disputes. I need to get this corrected asap as I can not get oil or any credit to get my grandchildren out of the house where their mother died. Thankyou XXXX XXXX XXXX