davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (PA)

This company Frontline Associate Strategi is reporting fraudulent and inaccurate information on my credit report as of XX/XX/2024 in the amount of {$1100.00}. This company is stating that the information was verified which is was not. I have requested that this company provides the purchase agreement to show full ownership of such account and also any other documents, so that I may review and confirm to see if this account actually belongs to me.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I woke up the morning of XXXX XXXX I checked my credit report and saw a significant drop to my credit score like XXXX points In the credit report it said I had a {$600.00} balance with XXXX but Ive never had XXXX the date they reported it to my credit was on XXXX XXXX it also said the account was 2 months old again I dont use XXXX  Ive had XXXX the last 7 years, I called the collection agency from the credit report JEFFERSON CAPITAL SYSTEM after a 30 minute hold I spoke to someone that said they were attempting to collect a debit I told them Ive never had XXXX and I dont have any debt and that this is a case of fraud and identity theft he then turned me over to the fraud department to speak with someone else so after telling them again Ive never had XXXX  and this is a case of someone using my information he then told me I have nothing to worry about that this case will be turned into a dispute I made sure I let it be known with them before we hung up that this needs to be disputed and that was the end of the call.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

On XX/XX/2024 I received a letter from Caine and Weiner a third party debt collector which I have no contract with. According to 18 USC 8 all debt is the obligation of the United States. So I dont owe this debt. In the letter was several violations of the fdcpa. 
15 usc 1692b, ( 2 ), ( 3 ) ( 4 ) and ( 5 ) 15 usc 1692c, ( a ) and ( b ) 15 usc 1692e, ( 2 ) ( A ), ( 8 ) and ( 12 ) 15 usc 1692f, ( 7 ) and ( 8 ) 15 usc 1692j, ( a ) and ( b ) 15 usc 1692k 15 usc 1611 15 usc 6802 15 usc 1640 Additionally debt collector is violating as we speak my consumer right to privacy by reporting my non public private information to non affiliated third parties XXXX, XXXX, and XXXX without my written consent.
Consumer complaint received 2024-03-23
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: Experian Information Solutions Inc. (PA)

Submitted dispute to all 3 credit bureaus for the following accounts listed below. Some accounts were deleted from 1 credit bureau but not from others that addressed same dispute. I requested deletion from each Credit Bureaus from the following accounts : 1 ) XXXX XXXX  Credit Card- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. The 1st date shown below XX/XX/2024 states file was deleted from credit agency but 2nd date XX/XX/2024 states INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed items ) was verified as accurate ; however, other information has also changed ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations ) ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcon Credit Solutions LLC (FL)

I paid this debt off with Arcon Credit Solutions in XXXXXXXX XXXX XXXX yet they call, email and send letters harassing me about this debt. 

I am sure they are a non compliant collection agency and should be shutdown.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After examining my Consumer Reports, I came across late payments recorded on an account for which I have always made timely payments. As Consumer Reporting Agencies play a critical role in reporting consumer information, it is their responsibility to do so with the highest level of accuracy. 

I want to emphasize that I have never been late with any payments for the account in question XXXX XXXX XXXX therefore, request that an investigation be carried out to provide evidence of these late payments. In the event that such evidence can not be provided, I demand that the late payments be corrected to show that they were made on time, as they were. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I already looked at these accounts with the wrong information, and after reading your responses, I saw that the same accounts still have confirmed errors. Correct the following things, please : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-05
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: U.S. BANCORP (IL)

U.S. Bank My business master card was used to make unauthorized purchases. when I disputed the actions I made the request for validation of debts that were not familiar to me. we have made many notices with regard to these debts. at XXXX time we received a statement showing it was cleared we received credit validation. but XXXX months later they come back with the same problem. again we request debt validation and a copy of the charges to this account with a wet signature. To date all we receive in monthly statements which does not validate the debt being ours. we also requested a copy of our payment history. to date, we have not received any requested documents. the last packet we received only contained the statements which did not give us information to contact the creditor they paid. we informed them in writing what was needed. but we only get statements. on XXXX the withdrawal from my checking account was completed in the amount of XXXX or more without my consent. I was not notified of these actions before it was done. I received a written notice from XXXX XXXX  XXXX that it was done. this has caused me serious hardship in meeting my monthly obligations. I did notify the bank and was told they could do this. create a hardship without notifications before it is done. because of this my housing is in jeopardy i will not be able to cover my utilities and my medication can not be purchased,
Consumer complaint received 2023-11-03
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. (LA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The TransUnion and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$510.00}
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I was sent a fraudulent email that appeared to be from XXXX, banking services, that in order to release the funds to be deposited into my bank account in payment for product i had listed, i needed to refund the amount overpaid by the buyer to the XXXX account. Rather than return {$500.00} from the {$1000.00} refund purportedly sent to my account, however, the {$500.00} dollars was taken from my checking account with no payment deposit. I called the number on the fraudelent email to report the incident to find that i was speaking to a scammer, attempted to cancel the transaction, and was told that the funds were already available in their account and could not be returned. I have not consented to this money being taken from my account, and was simply returning an overpayment that i never received to my own account. USAA has not further investigated the fraudelent claim and the scammer- who took money from my account without my consent- is now withholding my money and i am being told there is nothing we can do to retrieve it, despite having all of their XXXX account information where the money had been sent in the first place.
Consumer complaint received 2023-12-16
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. (DE)

As of XX/XX/XXXX  there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) Transunion has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that MIDLAND CREDIT MANAGEM placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with MIDLAND CREDIT MANAGEM, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that MIDLAND CREDIT MANAGEM provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If MIDLAND CREDIT MANAGEM is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with MIDLAND CREDIT MANAGEM is blatantly false. I neither received any services or products from MIDLAND CREDIT MANAGEM nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that MIDLAND CREDIT MANAGEM is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of MIDLAND CREDIT MANAGEM constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate you attention. 

MIDLAND CREDIT MANAGEM- $ XXXX-XXXX/2022
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

To the Consumer Financial Protection Bureau : I am writing to file a complaint against American Express for failing to honor the welcome offer for a credit card I opened on XX/XX/XXXX. 

The specific offer I was promised was the welcome offer of XXXX membership points after spending {$3000.00} in the first 6 months of card membership ( account opening ). I met all the requirements of the offer by spending more than {$5000.00} in the first 3 months. However, I have not received the promised bonus points/travel credit/etc. 

I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to resolve this issue, but they have not been helpful. I also spent time on the phone calls to contact American Express customer service for resolution but nothing was done to make things better. I have attached copies of my communication with American Express as documentation. 

I believe I am owed XXXX XXXX XXXX XXXX ( or {$600.00} when valued at XXXX XXXX  per point ) in compensation for the unfulfilled offer. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX - XX/XX/2023 - {$68.00} XXXX XXXX XXXX - XX/XX/2023 - {$900.00} XXXX XXXX XXXX - XX/XX/2023 - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/2023 - {$290.00} On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

They continue to place this account in collection from 20 years ago by marking it a current debt. It was disputed and removed 20 years ago and not they are trying to resurrect the same debt 20 years later. Debt is way older than 7 years. They are violating the law and should be fined.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (SD)

I did send in a report to CFPB along with proof telling them of the fraud and theft identity that I went through and they open an investigation which was done with in XX/XX/XXXX along with XXXX, XXXX, XXXX, XXXX XXXX and Federal Trade Commission. 

They all admitted there was a fraud and it wasnt my fault but Well Fargo did a deduction of {$2600.00} that was deposited into my account and said that the investigation came back that I dont owed them XX/XX/XXXX.
Consumer complaint received 2023-05-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (PA)

I opened a money market account at BMO harris in XX/XX/XXXX. I funded the account via wire of {$380000.00}. Several days later I opened a 60 month CD at BMO Harris and funded it from the BMO Harris money market account. They took the money out of the money market account on XX/XX/XXXX but did not give me credit for the CD deposit until XX/XX/XXXX. 

I called and asked that they address this but they refused to do so.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (CA)

This is my Follow-up 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 : 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 : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERIS BANCORP (FL)

I signed up for a checking account with a {$300.00} bonus promotion offer, I made sure to complete e-statements when I opened my account, funded the account, and changed my direct deposit to my new account as per the terms to qualify for the promotion. Now 120+ days later after i've done everything I was supposed to they are telling me I don't qualify because " I never signed up for Estatements ''. That's funny, I've never received a single paper statement from them in the mail in the past 120+ days, I know for a fact I was enrolled in E statements. I'm not the only person they are doing this too either.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last two years. my score has gone up almost 100 pts., which I have been so happy about. 
I wrote yall back in XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan officer the letter. I've reached out to the credit reporting company several times to get it removed and the loan officer faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number one IT consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (KY)

Just filed this complaint with the FTC : I went to XXXX to purchase a plane ticket. They offered a {$200.00} statement credit upon approval for a Southwest credit card. I applied and got a message that they need to contact me to verify who I am. After waiting hours I did not receive a call but had to buy the ticket or possibly lose the price. A day later I got a call and upon answering their questions he said I was approved for {$6500.00} credit line. I asked about getting the {$200.00} credit and he assured me that I would get it on my statement, the delay was just for security reasons. 

My statement came and there was no {$200.00} credit. I called customer service to complain and was told that I am entitled to the {$200.00} credit but because I didnt use the card to pay for the airline ticket I would have to make a purchase, any purchase, and the {$200.00} credit would appear immediately. 

I made three purchases and waited until after they went from pending to charged and no credit appeared so I called customer service again. After explaining this whole scenario again I was referred to someone else and had to explain it all again and I told her if they are not going to give me the {$200.00} credit I was promised by three people I talked to on the phone I want the account closed and the annual fee reversed. After waiting a while she came back to me and told me she was closing the account and reversing the fee. As of today, the same day, the fee has not been reversed and Im not paying the charges until it is because I have no reason to believe anything they say to me. 

I asked to speak to her supervisor and reiterated the whole scenario including closing my card. She asked no questions, seemed to just want to get rid of me by offering me to file a complaint. She would not do anything to even lol into giving me the credit I was promised by three of her CS agents. 

This has cost me time, aggravation, and an unnecessary intrusion into my credit record and all due to their falsely advertised CC promotion not to mention they repeatedly lied to me!