davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

I signed up for the American Express XXXX Surpass card in XX/XX/XXXX while a promotion was going on that offered a free XXXX weekend night after the one year anniversary of holding the card. This offer stated " The free weekend night award will be sent as an email from XXXX to the email address listed on your XXXX XXXX account within 6 - 8 weeks after the first anniversary date of the Card account ''. On XX/XX/XXXX, I contacted American Express to inquire about that status of the reward and was told " The maximum time is 6-8 weeks. However, you may expect within 1-2 week as well ''. On XX/XX/XXXX, I contacted American Express again - this time, I was told that XXXX was responsible for providing the reward. I contacted XXXX and was told " American Express, not XXXX XXXX, determines if the card member is eligible to receive a Weekend Night Reward ''. I contacted American Express again on XX/XX/XXXX and was told an inquiry about the issue would be raised. Finally, on XX/XX/XXXX, I contacted American Express a final time and was told that no investigation was ever started ; however, the representative offered to open another one and stated I would be contacted " within 3-5 business days the outcome will be updated. [ And ] if you wish we can also arrange a call back once we hear from them ''. As of today, I still have received no response about this issue.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Preferred Collection and Management, Inc. (FL)

On XX/XX/18 I contacted Preferred Collections Management regarding an open delinquent account of {$100.00} that showed on my credit report. I have never received notice of this debt via written notice OR phone calls from the creditor. Preferred Collections Management indicated that 2 weeks prior to my call on XX/XX/18, they had returned the debt to the original source and could not accept my payment. They told me they reported this closed account to the credit reporting agencies. Today, XX/XX/18, I contacted Preferred Collections Management again who advised they did not show any open accounts and this was once again reported to the credit reporting agencies. I then contacted the original creditor, XXXX XXXX XXXX XXXX who advised they have never received this account back from Preferred Collections Management. They are unable to accept payment from me as they do not see the account in their new system. Therefore, I am unable to pay this and dispute it with XXXX. This is negatively impacting my ability to apply for a mortgage.
Consumer complaint received 2018-10-29
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. (GA)

XXXX, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. XXXX never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two Experian and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

IM A VICTIM OF IDENTITY THEFT PURSUANT OF FEDERAL LAW SECTION 605B ALL FRAUDULENT DOING MUST BE REMOVE AND BLOCKED AS FRAUD. I HAVE ATTACHED MY FTC REPORT LISTING ALL THE FRAUD DONE IN MY NAME. PLEASE TAKE ACTION IN REMOVING THIS INFORMATION
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiry be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXX XXXX  - XX/XX/XXXX - $ XXXX Fraudulent Inquiry : XXXX - XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS IS A FCRA VIOLATION OF : 15 USC 1681B 15 USC 1681N 15 USC 1681Q 15 USC 1681E
Consumer complaint received 2024-10-24
Product: Credit reporting 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. (MD)

Equifax is not straightening up my credit report for lenders to be able to pull my credit. They keep telling me that everything is right on my report, but it cant be because no lenders can pull my credit and Ive called Equifax for the last six months still no nothing has changed.
Consumer complaint received 2018-08-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc. (WI)

Carrite holdings and brite financial had me sign paperwork to install a device to remotely disable the vehicle purchased. This is illegal in the state of WI. Further having this device installed and if it has been used could cause major engine malfunctioning while driving. The vehicle does hesitate to start intermittently and will not stay idle intermittently. In addition paperwork was sent for a right to cure default on lease postmarked XXXX in the state of WI at least 15 days should be allowed. I had already attempted to set up a payment plan via email. NOONE answers the phone ever and the recording clearly states they are having phone issues.
Consumer complaint received 2018-08-24
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. (TX)

I HAVE CONTACTED EQUIFAX AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE MEDICAL AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING MY MEDICAL RECORDS TO BE RELEASED THEREFORE THE COMPANIES WOULD BE IN COMPLETE VIOLATION OF HIPPA AND SO WOULD YOU. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed.
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed the late payments on XXXX/XXXX XXXX, XXXX/XXXX XXXX OF HI XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2024-10-07
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. (GA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian, XXXX, and XXXX for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans.

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts.

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law.

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, I sold the business and real estate. The title company paid off the mortgage and loan, not sure of the date. On XXXX XXXX. Wells Fargo drafted a payment. They required the payment to be auto-draft, I had no choice. Since I didn't believe any more payments would be drafted I wrote checks on that account, they bounced and I incurred overdraft and bounced check fees. I called and emailed them to refund my money and they told me it could take up to 10 days. It has been 14 days and they still haven't refunded my money. I consider this theft. They should be required to refund all the fees I had to pay for bounced check fees as well as immediate refund of the money stolen. It should not be my responsibility to request them not draft as it was a requirement for the loan, it should be their responsibility. 

In addition they put forced placed insurance on my property without providing me a cost or any information about the insurance. When I paid off the mortgage almost two years later they charged me for the insurance, which they never got as far as I know. They never provided evidence or the costs until I paid off the loan. I agree they had a right to do it, but they should have given me the option to pay for it at the time and not change me without my knowledge almost two years later. I requested them give me a breakdown of the charges, but they still haven't done so. They sent me a list of supposed contacts about them requesting proof of insurance.
Consumer complaint received 2024-10-07
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)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
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. (IL)

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-10-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Caliber is my mortgage company for my primary and only residence. Last year and this year, the mortgage company did not pay my property taxes ( although they are impounded into escrow per our contract ).

Last year, after discovering my property tax bill was in default, I contacted Caliber who eventually paid the default bill. Caliber responded by raising my monthly payment and forcing me to pay $ 500+ in late propert taxes. This year I discovered my property tax bill was once again in default. Despite me paying my mortgage on time, Caliber has not paid the taxes or responded to my many request. I am in great fear they ( Caliber ) may not pay the default tax bill or raise my mortgage once again despite the valuation and tax rate remaining the same and a fixed FHA loan. I can not afford for my mortgage to be raised again.

I believe Caliber is committing fraud. Please help my family and I.
Consumer complaint received 2018-10-29
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)

I received a voicemail that I needed to call about a problem with my XXXX XXXX card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because Experian had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell XXXX XXXX that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. XXXX XXXX said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called Experian. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call XXXX XXXX but I could have XXXX XXXX call them. Well, XXXX XXXX can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to XXXX XXXX at a cost of {$32.00}, but XXXX XXXX says they never received it although I have a successful transmission report. I can't submit a dispute with XXXX XXXX because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at XXXX XXXX that cares. To be fair, maybe the error was with Experian but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my XXXX XXXX record. Is there any way that you could help?
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I've had this account since 2012. I've never missed a payment and often made more that the minimum payment. Over the course of having an open account I've paid the balance off several time.I hold a Platinum XXXX XXXX with no limit so my credit score is above average. Despite the aforementioned facts, I noticed that the balance on my account was not dwindling as I expected. The account has a purchases balance and a cash advance balance. Apparently, the company decided to allocate the payments to the lower balance and any amount over that to the higher balance. The problem I have with the account is as I began to increase the amount of my monthly payments which should have caused the account to be paid off at a higher rate, they chose to raise the interest rate on the account which had the affect of making it more difficult to pay the account off. When I inquired into the reason of interest rate increases I was told they were based on the prime rate in the XXXX XXXX XXXX. The problem with this explanation is that the prime interest to which they referred, increases and rises based on various economic factors. Given the fact the the countries economy was in a recession and the interest rates were at a historical low for the better part of the last twelve ( 12 ) years, I never received a rate reduction. Instead the interest rate associated with the purchase balance increased approximately five ( 5 ) percent from 17.9 to 21.9 while the interest rate on the cash advance increased approximately five ( 5 ) percent from 21.9 to 26.9 as well. These are the types of interest rates that one would expect to receive when hey are attempting to build up their credit not for someone that has a impeccable credit core and and a exception payment history with this institution. I would expect my interest rates on this account to decline not increase. Thus, the increased the interest on my account somewhere in the neighborhood of ten ( 10 ) percent during a time when interest rates were a historical low. All this occurred without the company notifying me of the steep hike in my interest rates. For those that are acquainted with who interest rates works, a increase of one ( 1 ) or two ( 2 ) percentage points has a profane impact on the amount interest charged on the account and my account increased around ten ( 10 ). This is nothing short of predatory lending!
Consumer complaint received 2024-10-05
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)

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 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Status date information across reporting agencies is inaccurate and incorrect one has pass due amount of XXXX XXXXother have paid in full while other have my account reporting as open and closed accout .... date XX/XX/XXXX other dates XX/XX/XXXX ....