davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (IL)

After receiving a credit alert from XXXX XXXX, I noticed a collection account, from GC Service 's Limited Partnership, that was posted on my credit report. I immediately wrote them a letter disputing it. I have not received any responses from the letters I mailed GC Services Limited Partnership, but I did receive a fraudulent XXXX Statement from XXXX XXXX, who supposedly conducted the investigation, which they changed the mailing address on an account I never opened only because I opened a complaint with the Better Business Bureau. I noticed this because my name was misspelled, or missing a letter, then immediately noticed the address which is my address. I called them on the phone and this is how they knew of my mailing address and they would not provide me the address that was listed on this account they claim I owe. So I believe they took down my information and switched up what was originally on file with XXXX so they can fraudulently claim I owe them money. Why have n't I received any mail before even reporting to the credit bureaus? I have never received anything from GC Services and I had to contact them myself in order to find out what this account was about. I then contacted XXXX who clearly stated that the address GC Service Limited Partnership claims to have on the statement they mailed me is incorrect and I asked XXXX to verify this by sending me a copy of what they did have on file or what they can mail me as proof and I received a statement totally different than what GC Services Limited Partnership sent me. GC Services Limited Partnership clearly provided me a fraudulent statement from XXXX by changing the address on the statement. Please see attached documents. I had no idea that Collection Agencies would go this far as I never had to deal with any before, but lucky me I have a friend that works for a Collection Agency and guided me on how to report bad companies like GC Services Limited Partnership. I hope I do not have to file a lawsuit, but most certainly will if GC Services Limited Partnership continues to report to my credit reports as I never authorized or gave GC Services Limited Partnership any permission to be or report on my credit reports and demand they remove this immediately and remove my name from their records.
Consumer complaint received 2017-08-13
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 (FL)

American Express Delta Skymiles sent me offer of a gold AMEX card, offering {$50.00} credit for qualifying Delta purchase and XXXX  bonus miles providing I spent a certain amount in a certain time frame. Both offer obligations were met by me and American Express customer service agents as well as the manager have confirmed this to be the case and agree 100 % that I SHOULD get the {$50.00} credit and the XXXX bonus miles. I called on XXXX XXXX, 2017 and spoke with XXXX, she confirmed I should get the miles and $ credit within 7 business days. Case was opened, case # XXXX. Nothing received, so I called on XXXX XXXX, 2017 and spoke to someone else, they said case was resolved on XXXX/XXXX/17 and they should be fulfilled ( miles & dollars ) by XXXX XXXX, 2017. I checked on XXXX XXXX, 2017 and nothing, so I called again and insisted on speaking with the manager. After 30 mins of waiting on the phone, I spoke with the so called manager, XXXX, and she said there were " technical difficulties '' in fulfilling everyone 's bonus miles and dollars, said it had something to do with XXXX XXXX and delta airlines, said it should be resolved in a week. A week has gone by, and it 's XXXX XXXX, 2017 today and just called and spoke with XXXX. Same old, same old ... .yes, I have met my obligations, but there is still problems fulfilling what was promised to me. REALLY American Express Delta Skymiles???????????????????????? I have never thought that American Express was this sort of a company where promises are made and then they hoped I would just go away. Next time, keep your offers to yourself and I can assure you I will TEAR UP EVERY SINGLE OFFER THAT COMES MY WAY. Lost ALL faith in this company.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. 5/3rd bank was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. XXXX says verified on XX/XX/XXXX.
Consumer complaint received 2017-09-13
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. (TX)

I received an alert through my creditwise monitor account from Transunion stating my account is derogatory as of XX/XX/XXXX ( it was just updated to an improved account on XX/XX/XXXX ) ..that the lender reported it.. I called today XX/XX/XXXX to XXXX XXXX credit reporting department and was told my account is current and no past due amount and this information was reported to the credit bureau i then called Transunion three times today XX/XX/XXXX saying that I needed to contact yhe creditor 1st call she pulled my account with no problem 2nd call back i was told im a victim of fraud and my account can not be access and the rep gave me a number to call which i did to be ask do i want to place a freeze on my account if I Feel like im a victim of fraud wait what?? I was just told by your last rep i was but now you saying you apologize for the the inconvenience ok so i go on to explain why im calling again to be told to contact the creditor once again i explain ive already called and was told they reported the correct information that i needed to call the credit bureau i have statements showing my payment was on time and my account shouldnt went back negative 12 days later i would like this corrected by whomever isnt updating this correctly ive worked hard to get my credit back on track and to get bounced around from creditor to credit bureau and vice versa
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

I have requested the collection agency to provide me validation of the debt or information to show that they can collect on this debt. They have failed to provide me a copy of the lease or anything showing the amount and how it got to that amount that they are saying I owe. I requested validation on XX/XX/XXXX,  XX/XX/XXXX and I have received no information. I attempted to contact the office both times there representative would only discuss how i would be paying the balance of XXXX by credit card or check.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX SSN XXXX You are hearby notified in writing just as you were on the phone on XX/XX/2018 that you have added a fraudulent account on my credit and dinged me 100 points for something that was removed 3 years ago. I informed you on the phone that this was fraud and it was closed yet you continued to ask for credit card information. You have violated my rights but adding this fraudulent account. I asked for a return to creditor letter and to have this removed but you refused. It is also recorded on my phone. I have sent this over to XXXX  and XXXX. I have also filed a complaint with the XXXX and consumer financial department. 
What I want This debt to be removed from my credit today A return to creditor letter What I have provided Fraud affidavit 3 separate police reports showing each time an account was opened due to identity theft. 
Credit score before you dinged it Credit score after XXXX XXXX
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NJ)

I recently was notified that my morthage servicing was reassigned by XXXX XXXX XXXX to PHH Mortgage. On XX/XX/2018, I called to inquire into the reassignment and learn about payment options. The representstive stated that the only way to avoid payment related fees was to either mail a check or sign up for paperless billing/statements. XXXX XXXX XXXX did not have any hidden fees. PHH Mortgage is charging an additional {$17.00} for payments over the phone ; {$10.00} for utilizing the telephonic automated system or {$7.00} for paying online. This is absolutely ridiculous. XXXX XXXX XXXX did not charge these hidden/additional fees. PHH Mortgage is basically getting a windfall in these fees from consumers that merely want to pay their mortgage.
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have been locked out of my GDAX Account ( Coinbase 's trading subsidiary ) for approximately 1.5 months. As many of my virtual currency transactions have occurred on GDAX, I have been unable to file my taxes, as Coinbase has consistently failed to restore access to my account, or to provide me with the transaction records that would enable me to file my taxes. 

On XX/XX/XXXX, I filed a support request with Coinbase ; their response indicated that I should receive resolution within 1 week. Since XX/XX/XXXX I have called twice per week, with no response, other than an email saying my case had been " escalated. '' My taxes are now overdue. All I am requesting is access to my account in order to file taxes. 

Many thanks.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX TO XX/XX/XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried on multiple occasions to get Transunion to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call Transunion and are told that they ca n't make changes to my credit report. This is after Transunion reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' Transunion reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or California, all because Transunion wo n't give me the correct information and proper tools to do their job for them. XXXX is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

around XX/XX/2015 my account was low on funds and i desperately needed to feed my kids for the day. i wrote myself a check for {$20.00} and deposited in the atm. I knew that my direct deposit would be in my account by the next morning. by the next morning the bankn had closed my account, reported me to chexsystems as fraud and an unpaid balance. when i went into the branch to find my paycheck and to see what happened they said the account was closed. The {$20.00} as paid at that time so i dont owe them a balance and i dont feel i should have been put in chexsystems as fraud. i have tried repeadily to get this corrected and no one seems to know who supposed to speak to or call. as a result of this i can not open a bank account anywhere. i have talked to customer service, risk dept and branch personel and gotten no where.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

From XX/XX/2018 till XX/XX/2018 from my Wells Fargo checking and saving accounts were withdrawn and made transactions in amount of {$7200.00} in XXXX. I have not withdrawn money and have not made those transactions. Plus, I have never given permission to withdraw money and make those transactions to someone else. Also, I live in the United State and have all legal documents to work here. I pay taxes and I am a decent man, but my legal status does not allow me to leave The United States of America. That is why I could not be outside of the country and spent money there. In the period of time when the money was withdrawn and transactions were made, I did not use my debit card and did not check my online banking account, and I had no idea about the withdraws of money and transactions. Wells Fargo Bank refused to refund stolen money on such grounds the bank actually accused me of a fraud which is a criminal offense. Please help me resolve this problem and get my money back. Thank you very much!
Consumer complaint received 2018-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Multiple hard inquiries not recognized on my account- Contacted XXXX XX/XX/XXXX and XX/XX/XXXX and they advised they will not remove. I have been reviewing my credit report due to other errors and noticed these so i wanted to clear them up as soon as possible. I had advised them after research I became aware that they had a " inquiry breach '' within the past two years and they would not acknowledge it. These were recognized or authorized. 

Inquiries I requested to be removed : XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-13
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)

Ive been unable to receive my free annual credit report from XXXX and Equifax for the past two days ( XXXX ). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( XXXX ) or the site can not be reached ( Equifax ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent Equifax data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.
Consumer complaint received 2024-08-08
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. (VA)

I have requested investigation that my credit report is inaccurate. Investigation came back as un-verified XXXX XXXX account and its NOT on my report and has been deleted, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately!
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for the Capital One Platinum Mastercard in XXXX of 2015 and provided them a {$200.00} deposit without interest that I was told would be refunded when my credit improved. My credit score was XXXX at that time.
I now have two other credit card accounts which are unsecured and a credit score of XXXX out of XXXX. Captial One refuses to return my deposit now after almost two years and told me I would have to cancel my card to receive it, which would damage my credit.
If my case is n't an ideal one for a security deposit refund, I do n't know what is.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have disputed and contacted Equifax NUMEROUS times since XXXX of XXXX. They ca n't seem to get my credit report correct. However my biggest problem with them right now is they will not release my credit score to my mortgage company so we can get our approval. Because of them I have numerous hard pulls against my credit and we have lost homes that we wanted to purchase because of them. I personally spoke with Equifax on XXXX XXXX XXXX in regards to releasing my score. They told me it would be fixed within 48 hours, however when my mortgage company pulled my score again this week it still shows nothing. I have numerous good standing accounts that Equifax has yet to show on my credit report, but XXXX and XXXX have them. Equifax also wanted me to confirm my identity. I have faxed over that information numerous times to them and they still tell me they do not have it.