davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-12
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. (CA)

To Whom It May Concern : I have a chase credit card with link to mariott bonvoy account. I applied for the credit card in late winter ( XX/XX/XXXX ish ) I have been using and traveling with this credit card with no problem until XX/XX/XXXX. I was in XXXX XXXX, arriving on XX/XX/XXXX. I was using my credit card without problem. Up until that point, no late fee charges and had no disputes on my account. On Monday XX/XX/XXXX I was in a bus full of people, my credit card was in my bag which was being clutched to my chest. As I was exiting the bus, some patrons were not letting me off and I had to physically remove myself to get off of the bus. I was immediately concerned and checked my bag, noticing that my credit card was missing. I ran to my XXXX to connect to WIFI and call chase fraud alerts. I could not use my internet account because it was not linked up properly. I had called in XXXX to try and get it fixed but after waiting an hour was unable to do so. 

While waiting on the phone, in the XXXX XXXX, I received an email stating that chase had blocked a transaction of XXXX XXXX dollars. I finally got a hold of someone after 45 min to inform them that my credit card was stolen and needed to be cancelled. They informed me there were recent transactions of increasing amounts that had just occurred on my card of XXXX, XXXX, and XXXX which were posted. They informed me that they would list them as fraudulent and would delete that account and send me a new card. I returned home waiting for my new card to come in. Once it arrived I called to make sure the charges were reported and to set up my online account. The person on the phone was helpful and realized the account number that I was sent to set up my online account was missing a number. She helped me set up the account online and informed me that the charges were taken off of my account and the fraud department as handling it. 


XX/XX/XXXX I received an email that a letter determined that I received benefit from these ridiculous charges which occurred together. I immediately called and after 4th time of calling and talking to someone from Chase I was told that I was not being charged and that the letter was for the matter being closed. The charges would not be placed on my credit card. Today I logged into my account and found the charges there. I tried calling twice after being unable to dispute the transaction online. I emailed them and waited for 40 minutes with no response. I tried calling my local bank. I am extremely frustrated because y card was stolen, reported as fast as possible, and told it was taken care of ; only to be harassed and lied to without the ability to get someone to help me. I will not pay for the fraudulent charges and am hoping this will allow chase to contact me with people that are not lying to me.
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (PA)

Experian FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2020-05-12
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. (FL)

To Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2020-05-11
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. (OR)

I had paid off my XXXX credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through Experian and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with XXXX. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So XXXX is telling me I'm a liar and Experian doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line
Consumer complaint received 2020-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (SC)

Sir, This is a on going problem with home point financial they continue to state I havent paid them and ruin my credit. I have screen shots of Home point yet again getting my check and cashing it then stating they never got a check or holding my check past the due date. 
In the attached example they sent me a bill and state I have never paid when I have the on time cashed check from my online bank account. They do this with many people. Please help fix my credit ..
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (AR)

XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, XXXX, XXXX, AND SHELLPOINT SEE ( CASE NO.XXXX XXXX V. NEW PENN FINANCIAL ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. 

I ask that XXXX be removed from my credit report entirely. 

Below is details based off report : : : Creditor : XXXX appears on my credit report 10 times. 

Date Last Active and Date Last Payment : showing different years and dates. 

Date Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, Trans-Union is showing nothing, XXXX  is showing Charge-Off. Information is not showing accurately. 

Last Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (NJ)

ACCT XXXX XXXX XXXX ACCT # XXXX SEVERAL " LATE TRADELINES REPORTED REQUESTING REMOVAL OF ALL NEGATIVE MARKS REPORTED TO EXPERIAN
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY (NY)

I purchased two money orders in XXXX from TD Bank for rent.Landlord inform me after 7 month that they did not got the rent for XXXX, then I went to the Bank to investigate .we found that Both money orders were already paid to a person name : XXXX  XXXX XXXX , who was not the original payee for the money orders. the payee was for XXXX XXXX XXXX XXXX. and they never received the money orders.Since then so many times I asked the Bank Associate about these, their answer is still investigation. Please help me out of this as soon as possible. 
Thanks.
Consumer complaint received 2019-08-13
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: Neon Newco Corporation (CA)

Got a prepaid card for my teenage son and teach him about credit. Pre-loaded NetSpend credit card {$35.00} tried several times to register online for him to use. Have been unable to do so also made several attempts to contact the company. All you get is an automated number that does not lead to a live person. At this point very frustrated want this matter resolved immediately.
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (LA)

FTC VIOLATIONS FTC Returns more than {$14.00} XXXX to Consumers Deceived by Misleading Light Bulb Claims SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : consumer refunds deceptive/misleading conduct Bureau of Consumer Protection Consumer Protection XXXX and XXXX XXXX XXXX The Federal Trade Commission ( FTC ) is mailing XXXX checks totaling more than {$14.00} XXXX to people who bought XXXX XXXX XXXX brand LED light bulbs. 

The FTC sued XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX for violating federal law by overstating the light output and life expectancy of their LED bulbs, and falsely comparing the brightness of their LED bulbs with that of other light bulbs. 

A federal court ordered the defendants to pay {$21.00} XXXX to the FTC to provide refunds and banned them from misrepresenting material facts about lighting products. People who bought XXXX XXXX XXXXXXXX XXXX light bulbs between XXXX and XXXX, and do not receive a check, can apply for a refund at www.ftc.gov/lights. The deadline to apply for a refund is XX/XX/XXXX. 

Check recipients are receiving full refunds. The average check amount is {$28.00}. Recipients should deposit or cash checks within 60 days, as indicated on the check. 

If consumers have questions about the refund program, they should contact the FTCs refund administrator, XXXX XXXX XXXX, at XXXX. 

To learn more about the FTCs refund program, visit www.ftc.gov/refunds. 

PRESS RELEASE REFERENCE : FTC Shines a Light on Company 's Deceptive Claims for its LED Bulbs FTC Action Leads to Court Order Barring Misleading Light Bulb Claims FTC Sends {$68000.00} in Refund Checks to Consumers Who Bought XXXX XXXX XXXX XXXX Light Bulbs and Filed a Claim Common violations of the FCRA include : Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. Creditors give reporting agencies inaccurate financial information about you. ... Reporting agencies providing information to unauthorized persons or businesses.
Consumer complaint received 2020-05-13
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 (IL)

Re American Expess acount : XXXX XXXX XXXX. 

In XXXX, I opened a Hilton AX card with a bonus of XXXX points after initial spending. The threshold was met on my first statement. 

Three months have passed, and the points have not shown up in my account, and today a rep on the phone told me my account was being reviewed. 

I have no idea what that means, but, frankly, I expected better service than this from American Express. 

Then again, maybe I didnt really expect better service, and thats why I made sure I printed out the chat transcript I had with one of the AX reps on XX/XX/XXXX to make certain the terms of the bonus offer were in writing ( I mistakenly cited XXXX points at the start of the chat and the agent even corrected me to point out I would be receiving XXXX points ). 

You will see from the transcript that at XXXX XXXX  on that date the bonus was confirmed and at XXXX XXXX, the time frame was confirmed again. 

Is this sort of game-playing the new normal from AX? 

XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affiliated Acceptance Corporation (TX)

I signed a contract with XXXX XXXX XXXX in XXXX of XXXX. Contract is attached. Nowhere in the contract have I provided my SSN. This business reported to the credit bureau as if I have a payment installment debt with them from the beginning. I was never notified of this action, neither in contract nor by mail, nor in person. We were promised in summer of XXXX the XXXX XXXX testing for my daughter will be completed by XX/XX/XXXX. In XXXX of XXXX those promises have been broken and the date changed to sometime in late Fall. In XXXX of XXXX we contacted the business asking them to release us due to change in dates and our commitments with other programs that we have made based on their initial promises. In XXXX after Covid19 breakout we were convinced we didnt want to have group classes and stopped attending them. We sent out a letter to the company stating the reasons of our decision to terminate the contract. Our main complain was us discovering they have fraudulently obtained my SSN and reported it to the credit bureaus as a loan. After this finding I didnt feel I wanted to have any business with them. Their mission promise on their front page is not what they practice in reality and far from truth. Online classes for a XXXX XXXX  preparedness is far from high standards and that is not how I want my child to be taught martial arts, but according to their unilateral contract we are still obligated to pay the gym fee even if the business is closed! We are still obligated to pay the remainder of the contract even if we have moved more than 25 miles away. We are still obligated to pay even if we have medical condition. They is no clause in that contract that will release us from this contract. They broke the law and they will not answer my emails, numerous phone calls. The collection company advices me that they will report me to all the credit bureaus if I dont pay the debt. I informed them I dispute this debt but no one is following the steps in the collection process. Attached please find the contract and my letter to the business to which I never received an answer.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (FL)

Last year in XXXX, I bought a piece of furniture from XXXX XXXX XXXX and the total price was {$2200.00}. The store put me in touch with a lender, called American First Finance, to finance the furniture. Now, my credit is good and I could have obtained financing elsewhere but they unduly influenced me to go through their lender. So, I did not realizing this was not a typical financing agreement ... instead it was an oppressive lease-to-own, which I would have not never agreed to had they disclosed and explained all the terms clearly. 

I have been paying religiously every 2 weeks {$150.00} for the past 8 months. As I have now paid over {$2800.00}, which does not include the initial processing fee of {$53.00}, I called the store repeatedly in XXXX to get a pay-off amount ... they were not helpful. I finally physically went to the store and that is when I found out that to pay off the debt I would need to pay a total of over {$7000.00}. Now, how can this be legal? This is unfair, deceptive, abusive, undue influence both from the store and the lender, American First Finance. 

I told the store they could have their furniture back, even though I would be at a loss of near {$3000.00}. But, they said that is not an option. And all of the sudden, the store claims that they have nothing to do with First American Finance. I have attached the transaction report that I requested and obtained from First American to show how unconscionable this deal is. I beg the CFPB to investigate this company and do something. I am a working parent supporting a family of 6 and it is not fair for this company to attempt to extort me like that attempting to charge more than 3 times the value of a furniture in the span of 8 months.
Consumer complaint received 2020-05-13
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: Fidelity National Information Services, Inc. (FNIS) (LA)

chexsystems  is knowingly reporting a fraudulent items masquerading as accounts on my consumer file. I have provided police reports identity theft affidavits. No real investigation was done. If so they would have found out that this item is fraudulent
Consumer complaint received 2020-05-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (TX)

I have been in contact with a debt collector, Radius Global Solutions, regarding incorrect information that was reported to the credit bureaus. I received confirmation on XX/XX/XXXX that Radius Global was in receipt of notice to delete collection due to a mistake made by the original creditor XXXX. 

I am in a dyer financial situation from the pandemic and am in need of financial assistance via bank loan which I would be able to receive but for the 200 point drop on my credit report resulting in what Radius has confirmed verbally is knowingly incorrect however they are unwilling to provide a letter stating same so I can expedite the correction of this slanderous reporting of which Radius has agreed should be corrected. 

I have been in daily communication with the below Department Supervisor only to be led along with delay tactics to correct this wrongful reporting : XXXX XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Direct ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX Email chain attached.
Consumer complaint received 2020-05-12
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$760.00}