davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Oregon Credit Service, Inc. (OR)

You balance as of today, XX/XX/XXXX is {$730.00}. I do not understand how my balance is at this amount currently, i have the court appointed paper work that shows the total amount subject to garnishment is : Garnishment amount owed : {$1000.00} garnished paychecks : X/XX/17- amount : {$270.00} X/XX/17-amount : {$310.00} The remaining balance should be : {$410.00}, so why is it currently alot higher? Please note per the state of oregon and court documents it states : Inserting items and amounts not lawfully subject to collection by garnishment may result in liability for wrongful execution. please explain as to why the balance is not reflecting what is being garnished, i want full details on the {$310.00} amount that is being added and for what purpose? I have uploaded documents verifying what i am saying and i have paycheck stubs as well to prove what i am saying is accurate. I need full details since you are refusing to send me a letter showing what my remaining balance is along with verification of the garnishment payments.
Consumer complaint received 2017-06-12
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: U.S. BANCORP (MN)

On XXXX/XXXX/2017 I opened the US Bank XXXX XXXX card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it twice, one is for a computer purchase on XXXX with the amount of {$4700.00}. And on XXXX, I used it to pay for the tax/fee of 2 airline tickets, which is {$5.00} each. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash  equivalents ''. I only have these 3 charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a CFPB or BBB complaint if you want '', sound like US Bank does not care at all.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC (TX)

A woman keeps calling saying she is a representative for  XXXX  and Northstar. She says she is calling in regards to a matter between my wife and her stepfather.     She asks for my address, my wife 's phone number, and her social.     I keep asking what this is about, and the lady tells me if I give her the before mentioned information she will then and only then let me know. The lady is very aggressive in trying to get the information from me. She has called repeatedly and I have asked for them to stop.     I keep explaining that I am not comfortable giving personal information over the phone.     The last call the lady got very angry with me and was close to yelling and threatening me.
Consumer complaint received 2017-07-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (TX)

I have received a foreclosure notice dated XX/XX/XXXX but I just got it on XX/XX/XXXX. I was on a 6mth forbearance for unemployment with the last payment on XX/XX/XXXX. Throught this whole time I have made my agreed upon payments and I have asked several people what happens when the 6 months is over. They all said I would get another packet to fill out for assistance. I have not received anything but this foreclosure notice. I feel like they should have contacted me or sent me a packet to re apply for assistance not immediately send me to foreclosure. I do n't feel like they followed all the steps necessary to help me in the time of a hardship. Please help I do not want to lose my home and end up with a foreclosure on my credit.
Consumer complaint received 2017-07-31
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: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I was a victim of identity theft/ fraud. My payroll check was illegally forged and CASHED at a Wells Fargo Bank. I currently have an account with Wells Fargo Dealer Services and incurred a 30 day late on my credit XX/XX/XXXX due to the fraud that was committed against me IN XX/XX/XXXX, leaving me with no means to make my payment on time with Wells Fargo Dealer Services. The claim and investigation was opened with first bank ; I filled and notarized an Affidavit of Forged endorsement and sent copies to Wells Fargo Dealer Services credit reporting department as proof that I was a victim of fraud and identity theft ; not a negligent customer. I have lost more that XXXX points on my credit due to someone else 's actions that i have no control over. After showing proof Wells Fargo Customer service was rude and did not take the time to understand the seriousness of the matter. As the CFPB is to protect consumers and customers from identity theft and fraud, something needs to be done in this regard because my life is suffering from this.
Consumer complaint received 2017-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANS UNION I S USEDING THIRD PARTY COMPANIES TO OBTAIN INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATIONS OF FCR A I MAY BE  ABLE TO SUE IN STATE OR FEDERAL COURT #  XXXX    XXXX   XXXX   XXXX   #  XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-18
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. (OR)

My report shows identity theft accounts I never approved. I told you about this and now demand their immediate removal. These false entries cause me distress and misrepresent my credit. I'll take legal action if not fixed quickly. They've blocked important goals like buying a home and supporting my family.
Consumer complaint received 2024-10-18
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. (SC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gatestone & Co. International Inc. (FL)

In XX/XX/2016 I contacted XXXX to transfer my internet service to my new address effective XX/XX/2016. I was told that I could reduce my bill to {$39.00} a month from {$59.00} by switching to a plan that included a land line, which I do n't use, but agreed to save money. The phone was never connected and the {$39.00} a month was never honored. I contacted XXXX on XX/XX/2016, and spoke to a XXXX who assured me that although they would n't honor the plan I was sold, he would retroactively amend the bill to honor the internet only plan I 'd been on for 4 years for {$59.00} a month. He said that left me owing a balance of {$47.00}, which I promptly paid, and was told that brought my balance up to current. On XX/XX/2016 I received a collection notice demanding payment of {$150.00}. I called multiple times ( I have the hours of calls recorded ) and they never did amend my bill as they were supposed to. They disconnected my service and turned me over to collections, and I 'm receiving phone calls that are extremely rude. I do not owe XXXX a XXXX.
Consumer complaint received 2024-10-18
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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-12
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. (CA)

I was informed that I was a victim of identity theft and was instructed to obtain my credit reports from all  XXXX  credit reporting agencies. I had no problems accessing  my  XXXX  &  XXXX  reports but get denied access by Equifax. They ask half a dozen security questions before allowing you to view it. All the security questions Equifax asked were regarding accounts I have no knowledge of preventing me to answer them correctly. I contacted Equifax directly asking how to handle the issue and they told me my only option was to send copies of two forms of ID ... Social Security Card ... by regular post mail. I explained I was n't comfortable sending those private documents through regular mail since I was just a victim of identity theft and have experienced problems with lost items by the USPS. The woman at Equifax said I had no other choice. Equifax denying me access to my credit report is preventing me from obtaining information I need to resolve the identity theft matter. I was recently denied a new job because of the unknown information that my credit report contains. The industry I work in relies heavily on consume r reports in the hiring process.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

In  XXXX   XXXX , I purchased  XXXX  {$500.00} prepa id Visa d ebit cards from a  XXXX  's grocery store in  XXXX   XXXX . They were issued  by U.S. B ank.  <P/> I attempted to use those cards, only to find out that they were n't activated properly. I called the number on the back of my card and was told to send a fax to  the Gift Card Activation de partment, which I did on  XXXX   XXXX ,  XXXX . I never heard anything back from anybody  at U.S. Bank.   <P/> Over the course of the next year, I would periodically attempt to check the balances on the cards using their online balance checker at   XXXX   XXXX   XXXX  . The cards never showed up on their online interface, so I assumed they continued to remain unactivated.  <P/> Frustrated, I finally called in again in  XXXX   XXXX  to investigate what was going on with my cards. It was then I learned that, despite being in my possession the entire time and nev er ( to m y knowledge ) being activated, the cards were totally drained of their balance. In fact, the cards were drained on  XXXX   XXXX ,  XXXX  - 2 days after I sent my fax. I was told to fill out a fraud form of some sort, which I promptly submitted. I was told that after filling out the form that  XXXX  new cards would be shipped to me.  <P/> My response fr om U.S. Bank  was frustrating, to say the least. They claim that they ca n't help me because I did not report the fraudulent activity within 120 days of the fraudulent transactions occurring. This, despite the fact that it would have been impossible for me to report any fraudulent activity, seeing as I did n't even know the cards were activated AND had no means of accessing information about the cards.  <P/> I still am unable to access the transaction history or learn any information about what happened with my cards, or how they were able to be used by another party despite being in my possession. I have reached out on several occasions over the past few months to no avail. My call s to U.S. Bank ha ve not resulted in any resolution, and nobody can explain to me how this all took place.  <P/> I thought I was out of options, but a colleague of mine referred me to CFPB, and I am now hoping you can help me get to the bottom of this.  <P/> Essentially, I have had {$1000.00} stolen from me. Please advise on what next steps I can take to get my money back.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Fraudulent activity caused my account to be overdrawn and frozen. My funds were taken by the bank and I do not have access to the money from my account. The problem was reported and followed up with phone calls, messages, and in-person visits. The bank took the money I should have given back to me.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX  there was an online purchase done at  XXXX . The person picked up the items in person at a local store. Upon noticing this {$300.00} I called  Chase stating that  this was not my charge.  Chase imme diately reversed the charge and issued a new card. This was around   XXXX   XXXX   XXXX    .  <P/> On   XXXX   XXXX   XXXX     we received a letter fro m Chase stating  that  XXXX  denied our claim stating " you picked it up in person ''. They have shown us no proof that the items were picked up by myself. When calling the store directly they were unwilling to obtain the video footage without a police report. We will be attempting again to file a police report   XXXX   XXXX   XXXX    .  <P/> The online transaction through our bank statement is listed as a debit transaction which places me unde r EFTA rules. This Act stat es that if the card is in my possession but someone makes unauthorized charges, the cardholder is not liable.  <P/> I would like the charges rightfully reversed and to receive my due credit of {$300.00}.  <P/> Sincerely,   XXXX   XXXX