davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I attempted to apply for the American Express XXXX XXXX XXXX in XX/XX/2019 on the American Express website. The website was unable to submit my application and kept giving me error messages, on several different devices and internet networks. The welcome bonus offered on the website at the time was XXXX points after spending {$3000.00} in the first 3 months. Being unable to take advantage of this advertised deal online, I called AmEx, and applied for the card over the phone. I made sure to ask if I could receive the same promotion as was advertised online, and was assured I would. The agent then informed me that I had been approved instantly and the card was on its way. After receiving the card, I carefully made the required purchases to qualify for the welcome bonus. In XX/XX/XXXX, I had still not received my welcome bonus, so I called AmEx to inquire about the status of the bonus. I was told that it takes 6 months after opening the card to get the bonus. In XX/XX/XXXX,  more than 6 months after opening the card, I had still not received my bonus. When I called to inquire about this, I was told I had no record of a welcome bonus on my account, and was instead offered XXXX points for my trouble. This is a flagrant example of false advertising and bait-and-switch sales tactics, which resulted in serious financial damages as I wouldnt have spent any money on the card, or even opened the account without this welcome bonus.
Consumer complaint received 2020-10-27
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. (OH)

XXXX  is stating I have " COLLECTIONS '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.
Consumer complaint received 2020-03-01
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2016 I file a claim against Citibank and XXXX XXXX XXXX XXXX regarding a collection account that still is being reported it to the XXXX major credit bureaus, Citibank issue a letter on XX/XX/XXXX stating that they will follow through an investigation and that they would take them 3 month to notify of the results, it 's been 5 month already since I begin filing complaints against both of them. 
a Law Firm in New York called XXXX found violations being done specifically on this account XXXX has been the only XXXX that understood that this account should not be reported it anymore therefore they deleted it but the collection account is still active reporting it every month as of collection to XXXX and XXXX I have n't got No response from Citibank as they promise my record with both Citibank and XXXX XXXX is on your Data List with all the information pertinent to this collection account.
Consumer complaint received 2020-03-01
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. (FL)

Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No
Consumer complaint received 2020-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I am getting collection letters from Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, WA. XXXX ). It is for a energy bill {$460.00} for XXXX XXXX company in Texas. I have lived in California for the last 27 yrs I have never lived in Texas or owed any property in Texas. I have no relatives that live in Texas. 
I can prove my husband and I have had XXXX XXXX   XXXX for the past 27 yrs. 
All of our utility bills are in my husbands name and always has been. Before living in Calif for the past 27 yrs we were in the XXXX XXXX again never lived in Texas. I do not believe my id has been stolen because this is the only problem I have ever had. Last yr I wrote to the credit agency that had Convergent on my credit report to say this is not my debt I thought it was cleared up did not hear from Convergent until 3 weeks ago wanting me to pay again.
Consumer complaint received 2020-03-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

On XX/XX/2019 and XX/XX/2019, I made payments of {$600.00} each month to Ditech ( formerly Green Tree ). I generally had a payment of around {$58.00} due but I had overpaid with the amount of {$600.00} a month for a couple years online on the XXXX of the month. Ditech held the payments both months and did not apply the payments until XX/XX/2019. I repeatedly wrote to Ditech and asked them to backdate the payments to the dates received. Ditech did not and I accumulated additional interest because of Ditech 's failure to timely apply my payments. 

Ditech also took retaliatory steps to remove my Payment History from my online page since I printed it and used it to complain about their failure to timely apply my payments. Ditech also removed my messaging history so that the messages I had sent them to complain were removed. They still have payment history and messaging tabs available and I had been able to access this information online before I began to complain about their failure to apply XXXX XX/XX/19 and XX/XX/19 payments as of the date received and not 60 and 30 days later respectively.
Consumer complaint received 2020-03-01
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: EQUIFAX, INC. (NY)

Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX XXXX  credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : XXXXXXXX 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  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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive that the information is inaccurate
Consumer complaint received 2021-11-30
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX XXXX {$0.00} Charge XXXX  XXXX XXXX XXXX {$21000.00} Date Opened : XX/XX/201XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00} ( Original Creditor : ) XXXX {$0.00} XXXX  XXXX {$1400.00}
Consumer complaint received 2020-03-01
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: HSBC NORTH AMERICA HOLDINGS INC. (NV)

There are 2 transaction from XXXX that you guys are trying to charge me back from my dispute, one on XX/XX/2019 for {$230.00} and XX/XX/2019 for {$340.00}, as i have disputed these items since i never gotten the item and i have contacted XXXX many time and most of the time i was just on hold this is why i'm currently disputing the transaction on my bank account. and all of a sudden you guys decided to charge me back with a letter stating that you guys want a letter from me when i try to contact you guys back and someone told me nothing is wrong? this doesn't make any sense ... ..anyways, i still don't have the items that i purchased online and this isn't fair for me to be charge for.
Consumer complaint received 2020-03-01
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: SYNCHRONY FINANCIAL (NY)

Today XX/XX/2020 I received an alert that my care credit/synchrony bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on transunion but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.
Consumer complaint received 2020-03-01
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. (MD)

The Bureaus have taken longer than 45 days to properly investigate my complaint and remove erroneous information from report. This is Violation of the FCRA.
Consumer complaint received 2020-03-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

It appears that Wells Fargo intentionally created multiple delays including requiring a borrowers consent form after waiting 7+ months to telll me about this requirement, in order to tack on interest charges to the SBA note so that Wells Fargo can get a bigger payment on the 75 % SBA tax-payer funded guarantee ; the original SBA loan was {>= $1,000,000} and was paid down to approx. {$1.00} XXXX and now from what XXXX XXXX tells me the SBA loan balance is at least {$1.00} XXXX! Here are 3 examples of how WellsFargo artificially extended the timeframe with delays... 

a ) 6 SBA loan payment deferments but no working capital and during this period of payment deferments, I had lenders/investors willing to work with me which means that we could have only needed 2 or 3 payment deferments if Wells Fargo had a good-faith conversation with these third parties but Wells Fargo did not respond to any of my communication attempts. Another huge missed opportunity to fix the mess created by Wells Fargo. 
b ) Wells Fargo still wants me to pay accrued interest on the SBA loan but I had no control over the investigation ). There have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied. 
c ) Wells Fargo still wants me to pay accrued interest, penalties on taxes but I had no control over the investigation ). here have been at least 11-12 unexplained investigation delays over the last year, and let us not forget that I asked to part of the investigation and no one replied.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GMA Investments, LLC (FL)

this company XXXX XXXX I have paid more than XXXX years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
Consumer complaint received 2020-03-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (IN)

I leased 3 XXXX vehicles and turned all 3 in within a 45 day period. They were in pristine shape, however over in mileage. The lease end bills came rolling in and being that I was charged an additional {$4600.00}, and less than 30 days to pay, I immediately contacted the customer service number. I discussed payment arrangements for the 3 vehicles and faithfully paid monthly and in full in less than 6 months. I discussed errors, such as wrong spelling of last name and one lease was tagged as early termination, which is incorrect. No help, just transferred calls and unkept promises. I was alerted my credit monitoring of late payments and they reported payments late when I paid ahead of schedule. I have emailed, called and faxed, filed complaints, called cooperate in regards to the credit reporting and nothing has been done. I have pages of logged conversations, supervisors names and everyone of them have promised to look into the situation and not one of them have followed through. I had 3 leased vehicles with GM Financial and NEVER missed 1 payment in 3 years, not 1. I then proceed to pay them an additional {$4600.00} and they report late payments for excess mileage. This is not right and I am asking that these unfair marks on my credit are removed.
Consumer complaint received 2020-03-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (NV)

NCB, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor XXXX nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. NCB continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor XXXX. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. XXXX and NCB continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,
Consumer complaint received 2020-03-01
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: Experian Information Solutions Inc. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX 09 XXXX  XXXX  XXXX XXXX  Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX  XXXX XXXX  Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX
Consumer complaint received 2020-03-01
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: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2020-03-01
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: Experian Information Solutions Inc. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-03-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C&H INVESTMENTS, INC. (TX)

I purchased a new XXXX motorcycle in XXXX for {$20000.00}. I paid on the bike until the summer of XXXX  at which time the bike was returned to the lender. My payments were approximately {$530.00} a month.I paid over {$15000.00} on the bike, they have the bike in their possession ( since XX/XX/XXXX), they are stating I owe them over {$5000.00}. They also have inaccurate information on all 3 of my credit reports, XXXX, XXXX  and XXXX. They did not provide any written information that the bike was Commercially sold, auctioned, nor did they provide a Balance Deficiency Letter.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I been a Synchrony bank/ Amazon store card customer since XX/XX/XXXX. Ever since the account was opened, the conditions of the account have been followed and every payment has been made on the timely bases. In any case, as of XXXX of XXXX I been unable to use the account despite the account having an available credit of {$5000.00}. I have updated and recheck the card information several times and everything appears to be in order. However, synchrony bank/ Amazon has continued to decline my orders and as with many of their credit cards issued by them.Synchrony bank/Amazon has engaged in what I consider to be a questionable practice, one which I consider to be in violation of my civil rights and any law that appeals to fair credit practices. I have filed complaint before and the issue doesn't appear to be going away in fact it appears to be getting worse. I have included account snap shot with the order information and dates. Also note that the last intended use of such account was XX/XX/XXXX and for reasons unknown to me continues to be denied up till this date.