davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

To whom it may concern : I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 

This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 

I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my SPG cards, where the system didn't recognize the charges hence the credits didnt post. 

I called in to speak with the American Express online Technical Department, and was told by a representative that " all '' the cards were in fact eligible for the credit, and that he will manually credit me for all cards that didnt post the credit on their own. 

Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 

I have also attached images where it can be seen all the credit reversals on my account. 

If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer. 

In question. The fact that all the cards were initially credited, clearly indicated that American Express concurred with the above noted contention. 

They have clawed back thousands of dollars in credits leaving me with massive bills to pay that have never existed before. 

I trust you will do whats right on my behalf and bring this matter to an amicable resolution. 

Respectfully, XXXX XXXX
Consumer complaint received 2018-09-06
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. (FL)

I contacted XXXX to request two late payments to be removed and was told to file a complaint or dispute instead ; XXXX will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Ref : Remove/ Delete Incorrect Information Ditech Mortgage Please be advised : This account was included in Chapter XXXX Bankruptcy, However there discrepancies with payment history. 
My Loan was originally with XXXX XXXX in XX/XX/XXXX I was in a positive account standing with XXXX XXXX  and In the middle of a Loan Modification with XXXX XXXX. 
During my loan modification XXXX XXXX sold my Loan to XXXX XXXX XXXX   without my knowledge. 
Once I found out my loan was transferred to XXXX XXXX XXXX, XXXX XXXX XXXX stated I had to complete the modification all over again. 
Resulting in Green Tree reporting negative payment history for the months of XX/XX/XXXX and XX/XX/XXXX. 
However I am a victim that has been harmed by XXXX XXXX XXXX unlawful practices. 
Please be advised : XXXX XXXX XXXX has been sued by ( The Consumer Financial Protection Bureau ) due to breaking the law on mishandling and failing to honor in-process Loan Modifications. 
This Loan was transferred from XXXX XXXX XXXX to Ditech Mortgage with incorrect information negatively reporting in my payment history. 
I am a harmed consumer and requesting that this negative reporting be deleted/ removed ( XX/XX/XXXX and XX/XX/XXXX ). From all 3 major credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo ( herein WF ) owes me at least {$500.00}, and the measly {$25.00} check they're sending me within 10 days will NOT be cashed. 

As in my previous complaint ( # XXXX ), WF promised to pay me {$200.00} if I left my bank, became a WF customer, and used my ATM card at least 10x a month for 60 days. Imagine my angst when I go to pick up my {$200.00} and they come up with " you should have brought us a coupon code. '' This bank has caused me at least {$800.00} in fees, I had to get a loan because I was losing so much money because WF is crooked - they gave me an account that wouldn't allow me to spend my own money - I was only able to spend {$500.00} a day. What XXXX XXXX made that up? Did they not think of rent? Car note? Life?????. 

And what makes it even worse? What XXXX me off even more? The letter attached to the CFPB response by WF - they said they looked over my account and saw that I had incurred international ATM fees and that's where my money went - WHAT??!?!?! I live in Texas, and have nothing to do with any type of international travel. So that's ANOTHER lie! WF isn't aware of how much money I had to spend because they haven't bothered to ASK me! 

I will continue filing a complaint against this crooked bank until they give me what they know they're supposed to give me.
Consumer complaint received 2023-07-03
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. (LA)

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 2018-11-02
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. (LA)

XXXX XXXX XXXX is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

I got a personal installment loan with citizens one bank for the new XXXX. I went to pay off the full balance of the loan on the phone and I find after I made the payment with the supervisor XXXX that I was charged twice with each amount being {$1300.00} for a total of over a {$2000.00} charge on my credit card. I had to use my credit card to pay off other balances and could not do so because the overcharge of two payments reduced my credit line needed to pay off other balances. The supervisor did not tell me the first payment did not go through which took away my choice to tell her to not make an additional payment effort after the first payment did not go through. Instead she just kept charging my credit card without notifying me and when I get off the phone I see two charges on my credit card. After two weeks of waiting going back and forth with multiple supervisors I asked that they give me a discretionary credit on my credit card for all the issues as well as to compensate for the interest accrued on other balances that I could have paid off using my credit limit that they reduced by charging me twice. The bank didnt even make an effort to reverse the second charge as it was on my account for 8 days. For eight days I did not have the credit limit I needed to pay off other obligations due to them charging me twice while interest was acrruing daily on the other obligations. The supervisors escalated this matter to the office of the chair and the end resolution is that they were not going to give me a discretionary credit for all the issues they caused. I spoke to a lady named XXXX. I told her I was going to report them to the CFPB because many other customers may be going through the same thing. Two days later I get a call from the dispute resolutions department to check up on me because they heard I was going to the CFPB and they tried to ensure they werent going to give me a credit but they would better their process.
Consumer complaint received 2018-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

NCB Management services has been constantly harassing me by phone, calling my cell phone while Im at work. Calling my company I work for now at least 40 times per hour and including to calling my family over and over. I do not owe them anything. They are attempting to collect on a debt that wasnt mine. When I had identity theft I reported XXXX as fraud, that was removed from my credit report, the bank then attempted to sell the fraud, now this company is harassing me. I do not owe this company any money. I had identity theft and the company received an FTC Affidavit.  Also they are impeding my work and calling my supervisor consistently this is not only harassment but abuse.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I would like to dispute these inaccurate accounts on my credit report. Please see the attached file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-02
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. (LA)

I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me.
Consumer complaint received 2018-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My husband had a credit card with bank of America. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to bank of America about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I  guess the credit card is with his daughter in XXXX where she lives. I have talked to bank of America about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Improved Data Services LLC (ND)

A person from Improved Data Services contacted our phone today, XX/XX/2018 and my son answered. He said he was in Arbitration and his name is XXXX XXXX and he said they are from IDS which through research we found was Improved Data Services, and my son asked who they were and questions and he told my son that if I or he did not pay my debt by XXXX today, he was going to serve papers to me through our county court house this afternoon. My son became defensive and told him that it was illegal to say such things on the phone and when my son kept asking questions in who they were and what this was about, he began yelling at my son to not interrupt him and when my son was persistent with questions, the gentleman from IDS hung up on my son. The number they called from is a ND number which is XXXX. 

Then a few minutes later my son received a call on his cell phone which is a CA cell number and the number came from a XXXX XXXX number XXXX. It was the same company and the same person, XXXX XXXX, asking for me again and my son said they were contacting the wrong number and when my son asked again what this was in regard to the person on the other line became defensive and then said we already spoke with you earlier and hung up. 

They then continued to call our landline throughout the afternoon and my son would answer and they continued to ask various questions and phish for information. My daughter said she was receiving strange calls today as well from these numbers. 

We are reporting this to you and to our Attorney General for the reason that receiving calls as this and to be threatened with lawsuits if we do not pay a sum by XXXX today over the phone and to be screamed at over the phone not to interrupt when we are asking questions about who they are we felt needed to be reported. 

( reference number provided XXXX )
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Original Complaint - " The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/XXXX.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them. '' On XX/XX/XXXX, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED with a remedy, of closing the account and contacting the credit bureaus, that FAIR COLLECTIONS AND OUTSOURCING INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. 

FAIR COLLECTIONS AND OUTSOURCING INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " The account was assigned to our office on XX/XX/XXXX from creditor XXXX XXXX / XXXX XXXX XXXX & XXXX. Creditor maintains ownership of the account. Our office is a third party retained by the creditor to attempt to collect on their account. The debt is owed to the creditor. '' This is my second contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED in an attempt to give FAIR COLLECTIONS AND OUTSOURCING INCORPORATED a chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX XXXX / XXXX XXXX XXXX & XXXX ; thus, XXXX XXXX XXXX ' contract would not be with FAIR COLLECTIONS AND OUTSOURCING INCORPORATED, but with XXXX XXXX / XXXX XXXX XXXX & XXXX.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Citi Bank had a promotional offer offering a {$400.00} cash reward for opening a new checking and savings account with a combined balance of {$15000.00} or more held for more than 60 days. I opened the account in XXXX and immediately deposited over {$15000.00}. I have not made a single withdrawal or transaction since then. I called in XXXX and was told i met all requirements but it would be delayed to XXXX. I called in XXXX and they told me they would open a case. I called again in late XXXX and they told me they would escalate the case. Since then I have called and contacted them via live chat numerous times, and I keep getting the same response : you met all the requirements and are owed the money - we can open another case for you if youd like. Still no resolution 6 months after opening the account! Feels like a scam!
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (MO)

This company is attempting to collect on a debt from an overdraft bank account from US Bank. This account was closed in 2006 and during this time US Bank failed to investigate this fraudulent overdraft. 

In XXXX, XXXX XXXX contacted me by phone stating this said debt. I ask for a statement of this debt and they sent me one, received in XXXX. 

This statement contains coercive language and wording to make a person pay on their said debt. 

In my opinion, US Bank is using XXXX XXXX as a front to collect an improper debt and not be held accountable for this illegal action. 

This statement from XXXX  can be uploaded to your office.