davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXXXXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per XXXX U.S.C. Sec. XXXX ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : XXXX. Account XXXX XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-01-04
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. (FL)

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX  Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX  never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX the accounts are not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Consumer complaint received 2019-01-04
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 (GA)

On XXXX XXXX, 2018, I applied for the American Express Gold Delta SkyMiles credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service - they confirmed I was on track to receive the bonus miles. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse '' but keep refusing to issue me the bonus miles after I have met the posted requirements. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market.

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually NOT eligible AFTER they have met the requirements. I don't know if Amex is doing this on purpose. If they are, it looks 100 % fraud to me.

From the referral link I received from my friend, Amex posted I would receive XXXX Delta SkyMiles after I spent {$3000.00} in the first four months. I have not received any of these mile so far - I have went far beyond the spending requirement.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to request the removal of my Credit Freeze from all 3 credit reports Trans Union, XXXX XXXX. I am in the process of buying a home and I need access to my files asap.
Consumer complaint received 2019-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted TransUnion and their customer service would not help and take care of the negative inquiries reporting to my credit report. I uploaded the affidavits from the FTC for the following. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-01-04
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. (CA)

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what I was disputing. 
But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXXDate Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX  XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX, Balance {$2400.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/XXXX
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COLUMBIA BANKING SYSTEM, INC. (CA)

On XXXX XXXXXXXX I opened a checkings account and funded the account with {$2000.00}. A few days later I tried to transfer the funds to another external account. Umpqua 's internal system triggered some sort of fraud. I was not notified of this fraud, I tried to access my account several days later, on the XXXX. My account was blocked, said the wrong username/password. I called their customer service line and they told me I need to go my nearest branch and submit a statement that I own the external account. I did provide proof of ownership on Friday, the XXXX. They told me they would look into it and get back to me Monday. Monday rolled around and I was not contacted, I contacted the bank again. 

They said that they will be closing the account. With that being said, the {$2000.00} transfer needs to be taken care of an this is what they emailed me stating how to take care of it XXXX will need to contact XXXX XXXX  and have them pull back the {$2000.00} transfer that was sent. Once that gets debited from his account here, we will close the account. Please ask him to call XXXX and get that process started. If he doesnt want to do that, we will have to hold the funds. And those funds can take up to 60 days to return. 

I then spoke with a branch rep and was told I had revert my initial funding, I had funded the account with a credit card. I contacted XXXX the following day, Tuesday and was told the customer service representative the full rundown of what has proceeded so far. I essentially told the representative that I would like to submit a chargeback for the {$2000.00} but when she asked me if the charge was fraudulent I responded with no, she then also asked me if I made the purchase or someone else, and when I told her that I was one making the purchase, she denied me the chargeback claim citing that the {$2000.00} charge was not fraudulent and done under my volition. I told her that Umpqua Bank was closing the account and forcing me to submit a chargeback. She then told me that I needed to work this out with the bank, they should let me transfer out or send a check. 

I then informed Umpqua of what XXXX told me and still refused to allow me access to my account. I informed them I would close my account once I was able to gain access and transfer the funds. I was told by the bank that there was nothing they could do. They locked my account and refused me access even after I provided proof of ownership of the external bank account, which they accepted and still denied me.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2018-12-13
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. (WA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX   XXXX and XXXX/XXXX XXXX XXXX
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I deposited two checks into my checking account at TD Bank. They were payroll checks. Usually my payroll checks the next day are cleared onto my account. This time on my account was showing the deposit but the entire funds were on hold. I figured that because of the amount of the checks they needed to make sure the funds were available before funding my checking. So I waited until Monday XX/XX/XXXX and still the funds were not there. I checked with my boss to see if saw the transaction on his account and the money were taking our of his business account. So on Tuesday XX/XX/XXXX I go to the branch on XXXX XXXX and XXXX XXXX. XXXX XXXX and the bank explained to me that they hold the money because of the amount and that on thursday XX/XX/XXXX my money would be realized ... .so they kept my money they left me with out money for more than a week. Now it is Thursday XX/XX/XXXX and i still don't have my money onto my account. Shame on them ... ..they left me with out salary for a stupid  explaination when they cashed the checks but the funds were not available. This is abusing their power. i have to go away in two days and don't have the money to buy the last things that I need for my trip. I WANT MY MONEY BEFORE THE END OF THE DAY!!!!!. TD BANK IS THE WORST BANK EVER!!!!
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (VA)

On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and equifax and XXXX  and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
Consumer complaint received 2018-12-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION (FL)

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (PA)

I switched providers from XXXX in XX/XX/XXXX. I was sent a box to return my phone but I never received a box to return the " free '' tablet. I called them repeatedly requesting the return box. I also emailed and " live chatted ''. I have been told 3 different stories by XXXX so far. 
1. A box will be sent to you and just follow the instructions like you did with your XXXX XXXX. 
2. Go to a XXXX Store and get a return box there. Every XXXX store I have gone to said they carry no such boxes. 
3. Just return the tablet to a XXXX store, no XXXX store I have gone to will take the several years old " free '' tablet. 
Then they put it in collections, I offered to send the tablet back at my own expense and they went back to the box coming, then store for box and then return to store song and dance again. Naturally I appealed the collection and won. XXXX then put it in collections again. I appealed to this new agency and won again. This current collections effort marks their 4th effort to get me to pay {$230.00} for a 5 year old " free '' tablet. Each time they put it in collections, it hits my credit reports. Even after I successfully appeal it takes months to get my credit report straightened. I will gladly ship this tablet back at my own expense. I will even drive somewhere and hand deliver. What I will not do is pay them for the tablet. i did not have to pay for the phone I returned, my mistake was not shoving the tablet into the box even though it was marked for the phone only. Please note the date of their latest collection effort XX/XX/XXXX, which further proves that I have been fighting with them and their various collections agencies since my decision to terminate XXXX  in XX/XX/XXXX.
Consumer complaint received 2023-11-09
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. (NY)

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 2019-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citi Priority Account in XX/XX/XXXX, and signed up for the {$600.00} new account promotion bonus, which required me to deposit {$50000.00} into the account within 30 days and keep the balance for 60 days and then wait for another 90 days to receive the bonus. I have kept over {$50000.00} balance in the account since XX/XX/XXXX till now ( XX/XX/XXXX ), but I haven't received any bonus yet. 

Here is the detailed actions I took : - On XX/XX/XXXX, I opened the Citi Priority Account. 
- On XX/XX/XXXX, the {$50000.00} initial fund was deposited in the account. 
- Immediately after the deposit, I called the customer service and confirmed that I have signed up for the {$600.00} bonus. I did so because I used to miss receiving the new account bonus before. 
- During XX/XX/XXXX, I called the customer service and re-confirmed that I will receive the {$600.00} bonus in mid-XX/XX/XXXX. 
- I still didn't receive anything in mid-XX/XX/XXXX, so I called the customer service again. But they indicated that the new account bonus is out of hands of customer service, and I should check with the branch in which I opened the account. So I immediately went to the branch and talked with one of the personal bankers. He told me that I will receive the {$600.00} bonus in end of XX/XX/XXXX when my statement came out. 
- So I went back and wait till end of XX/XX/XXXX, but still nothing. 
- Around XX/XX/XXXX, I went to the branch again and talked to the same personal banker. He said he will submit a dispute, and the internal dispute team will resolve this in 2 weeks. He assured that I will get the money back.

- It's already been 3 weeks now, but I haven't received the bonus yet. 

I'm very tiered and disappointed about the whole things in order to seek for the {$600.00} bonus that I'm qualified. It's taking so long and I don't know when it will end. I lost the interests of the {$50000.00} cash especially as the market interest rates are getting higher and higher.
Consumer complaint received 2019-01-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

Previously subscribed to XXXX. Terminated my service, with a balance due, returned equipment and got notice, without warning, of being sent to collections. Balance due indicated of {$130.00}. 

Contacted XXXX  for an itemized bill supporting the {$130.00}. A few days later got a pdf of a bill from the collection agency, Credence Resource Management LLC, shows multiple balances but not {$130.00} except in header at top of bill. No indication in bill of how the {$130.00} is derived. 

I called Credence and they refused to send an itemized bill other than the erroneous one sent. I informed them they have no claim if they can not provide an itemized bill supporting the collection amount. They responded the info they have is from XXXX and had done what they were required to do.. 

So at this point I have an account in collections with no supporting line item detail and neither XXXX  or Credence able to provide same.