davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CT)

I applied for a business credit card through Amex. They sent me a " pre-approved '' mailing pack and they gave me XXXX to open. As I was talking to the customer service rep I explained that most of my cards had higher limits. His exact response was that all I had to do was apply for a higher limit and Amex would " take care of me on that one ''. So I did-like an XXXX. I applied for an increase on my personal XXXX card which I got in 30 seconds and then I applied on my Amex business card the same day. Amex denied me. So I was thinking maybe the credit line is too new --. And the csr lied to me. So i applied for a credit increase on my personal Amex card as well. Denial. I hate Amex and their lying customer service reps that promise me an increase if I applied for one and led me to believe that if I had did a hard inquiry I would get the small credit increase of XXXX. They should not be able to lie like that --.
Consumer complaint received 2024-08-13
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. (MD)

I've never been late with XXXX XXXX XXXXXXXX but according to my credit report i have XXXX late payments XXXX, XXXX XXXX XX/XX/XXXX and XXXX and XXXX of XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

i have never recieved two satments in a month or a notcie of me being late ive been late on this account the lates where removed and put back The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report.

under the fcra The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumer credit information and regulates credit bureaus to ensure fairness and accuracy. The FCRA allows consumers to dispute inaccurate information on their credit reports, including late payments. Creditors must remove inaccurate late entries if proven. The FCRA also states that late payments can't be reported to the three main credit bureaus until at least 30 days after the due date. However, some creditors may report late payments after 60 days
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Trans union had several computer breaches in their systems that violated the rights of their consumers under section XXXX XXXX I have been gravely affected and my score is suffering as a result. the computer glitch that caused all of the inquiries on my credit report to be deleted and my score was increased as a result. The very next week all the inquiries were reinserted to my credit report without prior written notification which is a direct violation of sec XXXX XXXX of the Fair reporting Credit act. I have spoken to several reps of Transunion and they acknowledged that there were several security breaches that happened them in 2016 affecting their systems and credit reports, but they refused to fix thier error regarding my credit report, I am requesting that the reinserted credit inquiries, be permanently removed. I demand the following inquiries to be removed from my credit report immediately. ( 1. ) XXXX savings on XXXX. ( 2. ) XXXX on XXXX. ( 3 ) XXXX on XXXX. ( 4. ) XXXX on XXXX. ( 5 ) XXXX on XXXX. ( 6 ) XXXX on XXXX. XXXX on XXXX. ( 7 ) XXXX XXXX. ( 8 ) XXXX on XXXX XXXX. ( 9 ) XXXX on XXXX. ( 10 ) XXXX XXXX on XXXX. ( 11 ) XXXX on XXXX. ( 12 ) XXXX on XXXX. ( 13 ) XXXX XXXX. ( 14 ) XXXX on XXXX. ( 15 ) XXXX CARD XXXX. ( 16 ) XXXX CARD on XXXX. ( 17 ) XXXX CARD on XXXX. ( 18 ) XXXX CARD on XXXX. ( 19 ) XXXX CARD on XXXX. ( 20 ) XXXX CARD on XXXX. ( 21 ) XXXX CARD on XXXX. ( 22 ) XXXX XXXX on XXXX. ( 23 ) XXXX on XXXX XXXX. ( 24 ) XXXX on XXXX. ( 25 ) XXXX on XXXX. ( 26 ) XXXX on XXXX. ( 27 ) XXXX on XXXX. ( 28 ) XXXX on XXXX. ( 29 ) XXXX on XXXX. ( 30 ) XXXX on XXXX. ( 31 ) XXXX on XXXX. ( 32 ) XXXX on XXXX. ( 33 ) XXXX on XXXX. ( 34 ) XXXX on XXXX. ( 35 ) XXXX on XXXX. ( 36 ) XXXX on XXXX. ( 37 ) XXXX on XXXX. ( 38 XXXX on XXXX. ( 39 ) XXXX on XXXX. ( 40 ) XXXX on XXXX. ( 41 ) XXXX on XXXX. ( 42 ) XXXX on XXXX. ( 43 ) XXXX on XXXX. ( 44 ) XXXX on XXXX. ( 45 ) XXXXXXXXVISA on XXXX. ( XXXX ) XXXX on XXXX. ( 47 ) XXXX on XXXX. ( 48 ) XXXX on XXXX. ( 49 ) XXXX on XXXX. ( 50 ) XXXX on XXXX. ( 51 ) XXXX on XXXX. ( 52 ) XXXX on XXXX. ( 53 ) XXXX on XXXX. ( 54 ) XXXX on XXXX. ( 55 ) XXXX on XXXX. ( XXXX ) XXXX on XXXX. ( 57 ) XXXX on XXXX. ( 58 ) XXXX on XXXX. ( 59 ) XXXX on XXXX. ( 60 ) XXXX on XXXX. ( 61 ) XXXX on XXXX. ( 62 ) XXXX on XXXX. ( 63 ) XXXX on XXXX. ( 64 ) XXXX on XXXX. ( 65 ) XXXX on XXXX. ( 66 ) XXXX on XXXX. ( 67 ) XXXX on XXXX. ( 68 ) XXXX CARD XXXX on XXXX. ( 69 ) XXXX BANK on XXXX. ( 70 ) XXXX BANK on XXXX. ( 71 ) XXXX XXXX on XXXX. ( 72 ) XXXX BANK on XXXX thank you.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (OR)

My salary check is direct deposit on the XXXX of every month. In XXXX I sent my payment in with a post it note asking them not to deposist until XXXX XXXX. Because AMEX deposited my check earlier I received a NSF charge of {$34.00} from XXXX. I deducted the {$34.00} NSF from next months balance and sent them a letter documenting the course of events. From XXXX thu XXXX interest fee charges began to escalate for the {$34.00} non payment. In XXXX I sent AMEX the balance on my account and the chards of my credit card after the shredder. I did not tell them to close my account ... it was a message letting them know what I felt about their customer service. XXXX XXXX I received a letter saying, " We may increase your APR ''. " Cash rewards has been forfeited due to cancellation. '' After I received the letter I went online to access my account and it had been deactivated. I tried calling and when they asked me for my account number, they had no record of it. I received no statement in XXXX. XXXX I get a statement and AMEX wants {$2.00} for interest charged. I 'm livid that whoever opened my payment with the not asking for a XXXX XXXX deposit ignored my request. And correspondence from AMEX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, another one on the XXXX, and XXXX proves that the payment received department and correspondence department are n't talking to one another. I also sent a detailed letter inside a payment which AMEX claims they never received. This is a XXXX... note above that I was told in the XXXX XXXX letter that they will not be issuing my rewards money of which I am entitled. I can see now why XXXX is not dealing with AMEX in the future.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My daughter purchased XXXX Phones for her and her boyfriend. She called me and said that XXXX was offering a great deal and ask if she could use my credit rating to open the account. They said that I would not be responsible for the bill that it would be in my daughters name. When she opened the account XXXX said that they would pay off the contract on her previous phone service to switch to XXXX. XXXX did not do this. She made XXXX payment but was not charged correctly and stopped making payments. My daughter was living in my rental home where the bills were being sent in my name. My daughter and I called XXXX on 3 way telling them that this bill was not suppose to be in my name and complained about the incorrect charges. I called XXXX two more times to get this bill in her name where it belonged. I have a XXXX phone ( for many years ) and would never agree to pay another company for phones.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have contacted the credit bureaus XXXX and Transunion about inquiries that were not authorized by me and asked to verify them in writing in which they did not and they are still present on my report. Also my credit report has n't been updating properly through the XXXX XXXX website for approximately 2weeks now.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been trying to get Asset Acceptance Corporation to remove a collection item on my account. I did not open any accounts during XX/XX/XXXX-XX/XX/XXXX and they have a collection item on my account stating that the account was open XX/XX/XXXX but my XXXX delinquency was XX/XX/XXXX ... that is clearly impossible. I have sent them numerous letters to them and have even requested validation and removal from my credit report, I ca n't seem to get any answers but yet they have not removed it. 
It is my suspicion that this account has been re-aged, I am sure it is a mistake but I would like it resolved as soon as possible. This is the only negative item on my credit report and the debt does n't seem to have any validity.
Consumer complaint received 2024-08-17
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hi Team, XXXX Amount of XXXX $ balance got transferred from my credit card to XXXX XXXX. It's fraud transaction which I never initiated. 
and I don't have any account in XXXX XXXX 
I have noticed on XXXX and reported to Banker immediately.

and same has been reported to our local Police.
Consumer complaint received 2015-04-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (PA)

My mother had need of a vehicle but had insufficient income to make the initial purchase and I was brought on to cosign for the loan. Regrettably, my mother recently passed. After attending to the essential needs of the state, I voluntarily returned the vehicle. As a cosigner to the loan, I understand that this is my financial responsibility to pay the balance of the vehicle loan. 

However, I have a complaint with the collection agency that was hired to handle the account. When I received notice in the mail, I promptly contacted the agency. After feeling strong armed into a payment which undermined my financial stability, I offered to mail them a payment. They strongly discouraged this as account transfers were more efficient. I did n't feel comfortable with this but agreed in an effort to take responsibility for this. They then alerted me that they were going to take {$100.00} a month out of my account. I did not agree to this payment but they said that they were going to. At this point, I had to close my account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing inquiry 's on my credit file with Transunion since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a transunion representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

have a mortgage with XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, Illinois XXXX for a mortgage on a new XXXX XXXX model # XXXX vin # XXXX on XXXX XXXX, XXXX for {$65000.00} interest rate of 8 % for 15 years. XXXX pulled our credit on XXXX XXXX, XXXX then approved us for the mortgage and signed paper on XXXX/XXXX/XXXX for the mortgage but are not reporting to any of the ( XXXX ) credit bureas. I have called numerous times as a resolution and they said they are using a new system to pull credit. 
I have been dealing with this for over ( 8 ) long months. My husband and I have been denied credit due to insufficient credit history, this is hurting our credit vs helping. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX home phone # XXXX. 
we have reported to the credit bureau and XXXX XXXX XXXX XXXX will not respond so they keep reporting back to us as inclusive. 
Please help us. 
thank you the XXXX 's XXXX and XXXX I talked to XXXX at the call center Agent # XXXX on XXXX XXXX, XXXX At XXXX central time zone
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I purchased furniture from Conns in XXXX and let them know I needed my payment to come out on the XXXX. The salesman informed that had been arranged and my first payment would be due in XXXX. This is not what happened. They call me several times per day and I have informed them my payment is supposed to be on the XXXX and to note the account I will be making it then. This payment is not even 30 days past due as they claim it was due XXXX. On Sat they called me 11 times and this was after I told them what they were doing was illegal and I was going to report them. Then on Sunday ( when they are n't supposed to call at all, they called 5 times. Allready this morning XXXX they have called 3 times, and one call was 15 min apart. from the next. This company is harrassing me after I already informed them of the mistake and gave them the date I was going to make my payment. Again, this payment is not even 30 days late if we go by their date. And technically not even due yet if you go by the date that was promised the payment would be due. Please help, I have asked nicely several times that they fix this, and then told them if it did n't stop they would be reported.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 

XXXX XXXX XXXX XXXX : {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a complaint with the three credit bureaus regarding inaccurate items on my credit report. They ignored my complaint and accused me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and demand compensation for the damage they have caused.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and I have an unauthorized and fraudulent inquiry listed on my Trans Union credit report. The following inquiry is unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/15
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NJ)

XX/XX/XXXX I went on Frontier Airlines website to purchase tickets for an upcoming trip. On their website there is a banner ad ( still there ) stating that you can get XXXX air miles if you take out the Frontier Airlines MasterCard ( Barclay Bank ). It says that you must pay a {$69.00} annual fee and spend {$500.00} or more within 90-days. I did this and received the approval and then booked with the card for over {$500.00}. I have been arguing with them for 3/4 of a year now about not receiving the air miles. They have finally determined that I am due XXXX air miles because I used the card too soon. There is nothing on the site that tells you not to do that, and it would appear that the intention of the site is to get you to take out the card so that you may buy the tickets. If I am having this problem, I would be willing to bet that XXXX other people are as well. It is false advertising and predatory to say the least.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
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. (KS)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX ) XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX ) Balance : {$670.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$560.00}
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After learning my identity had been stolen back in the early 2000 's last month, I pulled my credit report and found that there had been a credit card issued to someone other than my self, but under my name and information. I immediately disputed it on my credit report and started looking into the matter further. This credit card was a time-barred account, where the creditor had charged it off and sold it to XXXX XXXX XXXX. Both XXXX XXXX and XXXX, XXXX do not hold a surety bond to collect on debt in the State Of Texas. They are also misrepresenting the statute of limitations on this debt, thus violating the FCRA and I 've sent letters in an attempt to have the account removed from my credit report. Captital One no longer owns this account and according to Texas State Law, they are violating the FCRA by continuing to reknew the SOL date. There also has n't been an affort to prove account ownership as well. I have retained an attorney and will include a copy of my contract with the attorney to show my intent to file a lawsuit if this fraudulent account is n't removed from my credit report within 30 days.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit report.
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Convergent Resources, Inc. (TX)

Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for XX/XX/XXXX and XX/XX/XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting inaccurate info on my credit file in which the open date does not match the true open date. It is years off and the last reported day was XXXX XXXX 2016 which is odd since I made no contact with the company. It 's not legal to refresh a credit debt. It looks bad on my report showing a inaccurate date.