davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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)

I opened the American Express Delta Skymiles in XX/XX/2022 for the bonus rewards they were offering to me as I was trying to book a plane ticket. Not only were there bonus miles but also a statement credit. There Terms and condition state " Welcome offer ( s ) may not be available to applicants who have or have had this Card or previous versions of this Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your offer eligibility. If an offer is not available to you, we will notify you prior to processing your application so you have the option to withdraw your application ''. I did previously have an American Express card which had been closed for a while but I never received " notification prior to proceeding that the offer was not available to me. '' I would not have proceeded as the card has an annual fee. To me, by opening the account, they had concluded I was eligible. I called and they basically said the reason I did not get the rewards was because I was ineligible which provides nothing. Due to other circumstances, I had been one day late on payment where they charged me a late fee, interest for the entire month and then continuously as they removed the general grace period on normal charges without any notice which was so ridiculous I decided to just cancel the card. The retention person then somehow got more information as to why I was not given the rewards which was apparently due to me having an American Express rewards card that was NOT a Delta card. Per their terms and conditions, if that was the case, they should have informed me before opening the account. They really played the bait and switch and barely could communicate why I was not eligible, go above and beyond to whack you with every fee under the sun and charge you as much interest as possible. I didn't even need or want the card but due to the rewards thought it could be beneficial. Due to American Express shady business practices I got no rewards and charged about $ XXXX in fees and interest.
Consumer complaint received 2023-01-14
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: MOHELA (CA)

I have never been late with Mohela student loan company. 
Acct shows I was late several years ago. Mohela bought account. I've never been late with Mohela.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (TX)

XXXX XXXX Acct # XXXXXXXX XXXX ( High balance {$0.00}, Count of late payments XXXX ) XXXX ( High balance {$4500.00}, Count of late payments XXXX ) NCB Management Service Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send )
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had to leave overseas which caused my account to become negative and so was unable to deposit money on time. I also was not notified via text of negative amount and so received over {$150.00} in overdraft and late fees and so they gave me back only 1 and after fighting for an hour they gave me back another {$20.00}. That is inexcusable I left due to a XXXX emergency overseas for my XXXX XXXX  and came back to two accounts in negative and them not being able to help and saying it was my fault basically.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson Capital just appeared in my credit report this morning XXXX XXXX Stating I owe XXXX for a debt of XXXX. 
I dont even contract with XXXX XXXX I have XXXX XXXX and have never contracted with XXXX EVER! I have never ever contracted with XXXX. Under the Section 809 of the Fair Debt Collection Practices Act this Jefferson Capital company is violating my rights. Claiming to have bought a debit account that I have never ever contacted with nor do they have any contract with me. They do not permission to report this lie to my credit report. 
Plus I read In XX/XX/XXXX of XXXX  that they claimed I opened an account with XXXX! That is a bold face lie. I have been with XXXX XXXX for several years now! How can they claim a lie like this! Its a violation. And they are committing fraudulent reporting of a debt that isnt mines.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (KS)

Jefferson Capital Systems , LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {$1800.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

CKS Prime Investments has been advised that I am a victim of Identity Theft and continues to report an account to my credit reports for XXXX, XXXX, and XXXX  although advised as such and requested removal and cease and desist. I am a victim of identity theft and I have removed fraud listings from credit reporting as it prevents me from accessing my own credit file. I have had my information compromised as a result of being involved in multiple data breaches including but not limited to XXXX.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have contacted Equifax numerous time in reference to the XXXX  XXXX XXXX Account this showing on my credit report. this account does not belong to me. I DO NOT or have I had A XXXX  XXXX XXXX ACCOUNT. 

XXXX  XXXX XXXX XXXX late payment {$650.00} Closed Account info Account name XXXX  XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving Date opened XX/XX/XXXX Open/closed Closed Status Not more than two payments past due Status updated XX/XX/XXXX Balance {$650.00} Balance updated XX/XX/XXXX Credit limit - Monthly payment - Past due amount {$47.00} Highest balance - Terms-
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went into chase to put my insurance check into save keeping while renovations are happening. Chase took the check with my name and mortgage company name and put into account. I got a letter mailed to my house that I am not even living at due to the reconstruction from chase saying that the check put in account for save keeping looked fraudulent and I needed to call to clear up, no phone call or anything. Thinking everything was good because it was in account and nothing was said we have bought stuff for the house. No my joint account for mortgage to pay my house off is being closed. The teller should have never allowed the transaction and chase is not being very helpful through this stressful terrible time. Now I have no way of paying and have to wait extra weeks to pay the team. Super unprofessional. I called and ask for multiple house how I can fix it and they told me they just need them to say yes and that my account will be back to normal. That is no longer the case and it is closed indefinitely. All the pain, stress and suffer is not what should be happening to make sure I dont lose my money.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (GA)

On or about XXXX of XXXX, I was notified by checking my credit bureaus reports by XXXX, XXXX, XXXX  XXXX, and I noticed a creditor by the name of mountain Runs Solution whom I was not familiar with. I was later contacted by them through a unrecognized number. After speaking with a representative, I asked why I was not contacted before now and was told by representative that they did not have my address and they told me that they had sent the letter to my last address at XXXX XXXX XXXX in XXXX, Georgia, where my son used to reside and where I resided with him at that address in XXXX from XXXX to XXXX of XXXX. They said they sent the letter to that address and this was bit puzzling for me because I had the system installed in my house at XXXX XXXX  XXXX, XXXX, Georgia XXXX in XXXX of XXXX and maintained the system from XX/XX/XXXX until XX/XX/XXXX, and now they are saying that I owe then {$94.00} which I know not to be true. To my knowledge the account was sold to XXXX from XXXX and from XXXX to Mountain Run Solutions debt collection. I contacted XXXX Monitoring company and they said they had no record of my information. Mountain Run must have gotten my information and is now trying to harass me for money I do not owe because I honored my contract from XX/XX/XXXX until XX/XX/XXXX according to their own recollection. I am asking that they send financial proof that I owe this money or this matter be dismissed off of my credit report. I had a high credit score until they sent this ridiculous report to XXXX. XXXX has dismissed it, but with no proof of this collection against XXXX is falsely reporting this on my credit report. I have been working with the CFPB and was given a case # XXXX.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I dont give written consistent for any credit reporting to report to any credit agency or charge a transaction. I do not recall opening let alone speaking to anyone with sprint! This is fraudulent activity on my credit! 
Law codes : 15 USC 1681 c-2 1861 a ( d ) 2 ( a ) ( i ) This needs to be removed immediately! My credit has dropped and I have no acknowledgment about this creditor.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (NY)

I was enrolled in a six-month trial modification for my mortgage loan due to prior deferrals amid COVID-19. The terms specified timely payment within the due month. To date, I have successfully completed five payments. The process entailed scheduled monthly calls from my account manager to facilitate these payments. 

In XXXX, this call was not received, which was critical as my online payment privileges had been revoked. On XX/XX/XXXX, recognizing the oversight, I contacted XXXX to fulfill my payment obligation. Unfortunately, the automated system repeatedly errored and disconnected without processing my payment. Determined to meet my obligation, I set reminders to call the following day, XX/XX/XXXX, to ensure payment within the month. 

Despite my attempts on XX/XX/XXXX, including accommodating for Fay 's time zone difference, the system failed to process my payment, necessitating a deferred transaction date of XX/XX/XXXX. 

Upon attempting to make XXXX 's payment, I was erroneously informed of a default due to the alleged non-receipt of XXXX 's payment. In response to my clarification attempt, the representative acknowledged my efforts and admitted a system error should have allowed for a same-day transaction. Additionally, I was made aware of the transfer of my account manager, resulting in a communication gap, contradicted by phone records that I have since provided, showing no such calls were made to me. 

Efforts to resolve this included a promise by another associate to have manager XXXX XXXX review the call logs. However, despite multiple attempts to contact both my new account manager and XXXX XXXX directly, my calls were not returned. 

Subsequently, I received foreclosure documentation. My intent and efforts to comply with the payment terms have been consistent, even with the significant payment increase from {$1100.00} to {$1800.00}. The lack of detailed statements leaves ambiguity around the application of these payments.
Consumer complaint received 2024-03-21
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. (TX)

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

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-07
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

I am in the XXXX XXXX and XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was gone for 3 months. I am not allowed to bring my phone, even if I were I was on a boat for 3 months in the XXXX XXXX. I wouldn't have had service. When I left I locked my phone and credit cards in locked box under my bed. Whej I got back they were gone and I found out my girlfriend robbed me and stole my identity. She left me with nothing. I filed a dispute with my bank right away. I called the cops and filed a report. She was arrested and found with my phone and cards on her. She made a sworn statement trying to get out of jail so she admitted to stealing from me. Chime stayed I do not qualify for provisional credit because I was to late at reporting these charges. They told me they had to follow regulate. To my understanding reguye states section XXXX that if my circumstances are extenuating then the 60 days should be extended. I would say being in the boat in the in the middle of the XXXX XXXX  on a training mission is extenuating. I just want my mohney back. She stole everything even my identity. It's been really hard having this happen. I thought chime would handle it better I trusted them. Now I'm losing that trust
Consumer complaint received 2022-02-24
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-03-16
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute the specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account immediately. 

XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$37.00}
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX  XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  account numbers XXXX AND XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-14
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00}