davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted TranUnion regarding this issue on more than one occasion. XXXX XXXX also stated that they submitted a letter via electronically.
Consumer complaint received 2022-11-23
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX XXXX XXXX Balance : {$1.00} ; XXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXX XXXX Balance : {$300.00} ; XXXXXXXX XXXX XXXX Balance : {$83.00} ; 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (MD)

XX/XX/XXXX To Whom It May Concern. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account from my all my credit profiles. This account is reporting inaccurate information on all my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion. To date, no actions have been taken. I have attached all required supporting documents for your reference. 

I appreciate your assistance, and please feel free to contact me directly at XXXX if you need any additional information.
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (AZ)

Received a phone call from a debt from XXXX  which fell off credit report in XXXXaccording to lawyers office. Getting a court summons through a servers office for a court date. This debt it 23 years old, I don't even remember it from Citibank.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc (RI)

I received a fake text from Phone number -> XXXX ( XXXX ) XXXX Thank you! for choosing PayPal_Inc Your payment for {$540.00} successfully confirmed. ( XXXX ID : # XXXX ) To cancel or Report- XXXX
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX XXXX  I applied for my 1st Amex Platinum card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX XXXX reward points in a few weeks. 
Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called amex a few times to check the status of my reward points. They all told me i would get it in a few weeks. 
I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! 
It was my 1st platinum card, I only had 1 amex credit card before and i never miss payments, my credit score is great. 

After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in written- in the chat. 
It was XXXX XXXX. 

Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. 

Out of all those credit card, I chose amex platinum, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another amex credit card. 

I need my XXXX  reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.
Consumer complaint received 2023-05-30
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: BMO Bank, N.A. (CA)

See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX  ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX XXXX ( XX/XX/2023 ).
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I had a debt which was collected by Portfolio, settled thru XXXX XXXX XXXX, Never sent the paperwork with finalization after saying will do. I was sent a notice of dismissal. Their statements back in 2019 werent in order Anyway happy it was settled! This was due to helping my ex spouse in XXXX XXXX XXXX but due to economy in XXXX we suffered. loss of business, jobs in XXXX. Again unemployed. 

My complaint is this.co. Is daily harassing still. It seems robo calling by others with its name sometimes. I have listed all these # s on Do not. call website. Also when working the employers send these calls. Today I had a Call from XXXX XXXXXXXX from portfolio asking to call PRA group. No content! Constant harassment. 

In with employers and other connections and with XXXX.Also my phone is hacked. Calls on debts with stature of limitations, and seems operating with employers or connection who and gaining commissions perhaps! Operates with XXXX which never corrected report for a year and I am just about to check to see whether they have now done. ( with wrong spelling of names silly mistakes! It took them a year and still not sure it is done. In between suffered with high interest rates which we will have to make a separate claim as this is how they operate with car dealers
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates. 

I my ex wife open up a credit card ( XXXX XXXX ) around XXXX and because of the divorce she decided not to pay and the debt and it was left with me. Over the years and currently the debt has been reporting negative to credit bureaus on my credit file and XXXX also been threatening to sue me in a state that the debt was not established. When the debt became closer to being off my credit file because its been 7 years since opened, XXXX changed the date open from XXXX to XXXX. They also sent falsified monthly statements to me when ask to verify the account.
Consumer complaint received 2024-03-29
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. (TX)

I write to dispute the inaccurate credit reporting regarding incorrect furnisher account information from XXXX XXXXCREDITOR : XXXX XXXX XXXX XXXX the account titled CCS Collections, Account # XXXX. Balance of {$0.00}. 

I have disputed this account directly multiple times with the bureaus in the past with no success. This is not my account but possibly my fathers account. My father and I have the same name first and last name. I have a different middle name than my father as well as a different social security numbers and DOB 's. 

I did not open this account, nor incurred the charges and negative remarks associated with this account. Furthermore despite all the information provided to XXXX XXXX continues to attempt to collect on an invalid debt. 

XXXX through its collection efforts attempted to collect on an account that it was not allowed collect on. Through this conduct, XXXX violated 15 U.S.C. 1692d, 15 U.S.C. 1692e, and 15 U.S.C. 1692f. 

Through all the above-mentioned conduct, XXXX  is engaged in conduct that natural consequence is which to harass, oppress, or abuse any person in violation of 15 U.S.C. 1692d.

Through the above conduct, CCS violated 15 U.S.C. 1692e ( 2 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, thus containing a false impression of the character, amount, and legal status of the Debt. 

Through the above conduct, XXXX violated 15 U.S.C. 1692e and 1692e ( 10 ) by using false, deceptive and misleading representations and means in connections with the collection of an alleged debt by attempting to collect on a debt that has been paid and was not owed. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f by using unfair or unconscionable means to collect or attempt to collect a debt, a debt that it was not entitled to pursuant to the Agreement. 

Through the above conduct, XXXX violated 15 U.S.C. 1692f ( 1 ) by attempting to collect the debt, validating the Debt, and continuing its efforts to collect the Debt, when it was not authorized to collect by the agreement creating the debt or permitted by law. 

The foregoing acts and omissions constitute numerous and multiple violations of the FDCPA. 

Please remove this account and any derogatory information associated with it from my credit report.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (OR)

I filed a CFPB complaint for payments not applied in a timely fashion, see XXXX. 

The response to this complaint does not address all of the factors in my complaint, specifically, that the XXXX payment was handled in a different way than the XXXX payment. The XXXX payment was backdated, without my asking for it to be, but the XXXX payment was not so backdated. 

I've also learned since the previous complaint that it is Goldman Sachs themselves that have imposed a {$750.00} limitation on electronic payments from XXXX. Had they not imposed this limitation the payments in question for XXXX and XXXX would have been sent electronically, not via check over the mail, and we would not be here arguing over payments not credited timely. 

I again request that my interest charges be waved, as my payments were submitted in a timely manner, and I would again request an explanation for why the XXXX payment was processed and handled differently than the XXXX payment.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (MN)

I purchased a United Airlines ticket using my Chase United Explorer Visa on XX/XX/XXXX for {$1900.00}. I opened this account specifically because the card offered Trip Cancellation/Delay insurance and offered me points for purchasing a United flight XXXX 

My flight was scheduled to depart on on XX/XX/XXXX. However, due to inclement weather ( there was a large winter storm system affecting the entire country ), one of the legs of my trip was cancelled, and I was forced to rebook to a nearby destination the following day. This required me to book a last-minute hotel and pay for meals ( {$380.00}, not covered by United, they do not reimburse for weather ) and book a land taxi and water taxi to my final destination. 

On my return trip, the last leg of my flight was cancelled due to weather, and I was told no flights were available for multiple days. Therefore, I rented a car for {$240.00} and drove the 7 remaining hours home. I filed a claim with XXXX XXXXt XXXX ( the vendor responsible for administering Chase 's trip delay/cancellation insurance through XXXX ) on XX/XX/XXXX. I provided them with my original itinerary and charges, screenshots of the texts from the airline announcing the delays and cancellations, a receipt for my taxis, and a receipt for my hotel and food. 

On XX/XX/XXXX, they responded requesting a copy of my original itinerary ( which I had already provided ), and any credits received from United Airlines. I supplied this information. On XX/XX/XXXX, they responded requesting receipts for my meals. I supplied the receipts for my meals. There were several phone calls with customer service reps in this timeframe asking them to confirm that they had everything they needed, which I was assured they did. I followed up on XX/XX/XXXX as I had not received a final response, and was told my claim was in the final review stages and I should have a response soon. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX asking me to supply my original itinerary, a copy of the rental car receipt, and a copy of my rescheduled trip ( all items I had already provided ). I called XXXX XXXX XXXXXXXX for an explanation, and they stated someone would review my claim within 6 business days, and they would try to have the claims examiner call me within 48 hours. Meanwhile, almost 6 months have already passed since the filing of the claim. 

I believe this " benefit '' of trip cancellation/delay insurance is a scam in which ChaseXXXX XXXX XXXXXXXX attempts to prevent consumers from using their contractual benefits by drawing out review periods and continually asking for documentation that either ( 1 ) has already been provided or ( 2 ) was never mentioned in previous communications.
Consumer complaint received 2024-03-29
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)

XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) were inquiries not authorized. Please remove for they have violated my rights. 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 an 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 2023-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I received a phone call about a courtesy call, someone is purchasing {$750.00} of alcohol, and sneakers and other things! 
I then called all my credit cards to cancel all cards and send new one but none came so I thought they the companies took care of everything!!! 
I called the Police after I was told to do so by these credit card companies!! 
Here is some PDF DOCUMENTS OF THE POLICE REPORTS
Consumer complaint received 2024-03-29
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I just opened account online on XX/XX/19 and made an initial deposit. Today, I just tried to log in online and was told my account was locked due to fraud detection. They wanted me to come into a local branch to verify my identity. However, I am out of town on a business trip for 5+ months and there is no branch located here. I offered to go into an affiliated bank here but they declined. I am out of options so wanted to close my account and be refunded the deposit since I can't have access to my money. They told me that I could not close my account until I visit a local branch which is impossible.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX. 
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : 1 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX XXXX XXXX XXXX. 
Account # ( XXXX ) Reference # ( XXXX ) 2 ) Portfolio Recovery Associates , LLC ( XXXX XXXX XXXX, XXXX, VA XXXX ) Original Merchant : XXXX XXXX Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed Portfolio recovery associates , LLC nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ Portfolio recovery associates , LLC ] have the item removed immediately. 
Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I have a mortgage and my mortgage company collects escrow and pays for my property taxes out of that escrow. Unfortunately, they collect the escrow but fail to pay the taxes, resulting in my being delinquent in my taxes and being fined by my town.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (IN)

I told Experian, XXXX, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 section 604 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 my 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.
Consumer complaint received 2015-05-06
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Nationstar Mortgage was included and paid in full as part of our Chapter XXXX Bankruptcy filing, which was discharged on XXXX XXXX, 2015. They will not release the Deed of Trust and have indicated on two occasions that I still have a debt of {$17000.00} that the Trustee never paid them. All the terms of my bankruptcy were met as is evident by its discharge. In addition, per Federal Law all creditors are prohibited from attempting to collect any debt that has been discharged or was part of a Chapter XXXX filing.
Consumer complaint received 2022-11-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!