davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX # XXXX**** I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

So a couple things wrong. The credit card company is capital one, who midland credit funding claimed they reached out to. I had reached out to Midland Credit Funding because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.
Consumer complaint received 2019-02-06
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 (MI)

Amex advertised that I can get {$75.00} reward per refer up to {$550.00} a year if I refer my friends using the referral link.

There were 109 clicks through my referral link, which means at least 10 successful refers through my link between XX/XX/2018 to XX/XX/2018. However Amex is not giving me any referral bonus as advertised. 
My referral link : XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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. (NY)

Greetings, My name is XXXX XXXX, I am currently writing a complaint regarding the credit reporting agencies reporting inaccurately. Experian XXXX XXXX and all other consumer reporting agencies. Please see attachments. 

Please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXX NY XXXX Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. Attached is my Drivers license as well. Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. 

Also please honor all on time payments, As Any credit reporting regardless of on time payments is still a violation of privacy. Privacy Act of 1974 prohibits. Monetary relief is requested upon this claim for all CCTs reported. including the reporting of XXXX XXXXXXXX bankruptcy XX/XX/XXXX and XXXX  XXXX bankruptcy XX/XX/XXXX, continues to report. Ive Never given any written or authorization to report. This is heavily in my way of utilizing the full faith and credit the United States backs me with. 

Refer to : 15 U.S. Code 1681a - Definitions ; rules of construction 2. EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-10-22
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: CITIBANK, N.A. (IL)

I have contacted CITICARDS CBNA and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2015 with a Balance of {$6000.00}. Other than been fraudulent, the bank is still reporting a balance of {$6000.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

USAA FSB will not honor a divorce degree regarding debt. The legal documents showing me having XXXX liability for the specific account have been provided to them several times. Hours of phone calls and being transferred to countless departments. Now they have lowered my credit score by 48 points. Claiming my credit card is past due. A credit card that I have not needed to pay nor been liable for in almost 6 years.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX, they deposited two checks to my account, someone entered my account and made those deposits, one check was for XXXX and the other for XXXX. 
After this, the person who entered my account made shipments through XXXX, XXXX and purchases in XXXX. 
After this I put my complaint in the bank because my account had been overdrawn by an amount of XXXX dollars at that time, I made the request of my case in the bank and they opened 4 different cases related to the fraud that they made in my account. 
today, XX/XX/XXXX, a month after investigations at the bank, they told me that I had to pay the money from my account, something that seems unfair to me because the bank has no security whatsoever with my information.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need you to investigate the following account Accounts : XXXX XXXX XXXX Account Open : XX/XX/2015 I request you provide me with proof of all alleged payments being late From the Following accounts stated Above. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.
Consumer complaint received 2021-10-21
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. (VA)

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 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On the night of XX/XX/XXXX, I lost my phone at a house party around XXXX. After searching for several hours, my friends and I found my phone in a bush in my front yard, with its screen cracked. When I opened up my phone, I panicked after seeing that several transactions had been made via XXXX and Venmo to people I did not know. I immediately froze my bank account to prevent the funds from leaving. I then contacted Venmo about the situation, but to my surprise there were already several chats opened with Venmo customer service during the time my phone had been stolen. Extremely worried, I tried to explain to them the situation regarding my device over chat, but I feared that I wasnt conveying my thoughts clearly because I was so stressed. Over the next several days, I reached out to Venmo via both phone call and email to explain the situation better. However, each time, I was provided with a generic response via email, suggesting that they had not read my emails at all. I grew increasingly frustrated, because not only was my bank account still frozen, but I felt like I was doing my part to explain in great detail the situation I was in, with little effort shown on the part of Venmo. Yesterday, they denied my complaint on the basis that the dispute was opened because [ I ] did not receive [ my ] merchandise, when that was not even why I was trying to dispute the payment. This further demonstrates that they did not even read my emails about how my phone had been stolen. I can not even explain how frustrating this process is. Now they have posted a negative balance on my account and threatened to send me to debt action if I do not pay it back, when I DID NOT MAKE THE TRANSACTION AT ALL. Venmo customer service has been extremely inept. Even XXXX was easier to work with and understanding of my situation XXXX returned my money in four days. Not only did Venmo Support not read my emails, but they also took an entire day to respond to each email, and there was no way for me to speak to someone on the phone who could help me with unauthorized transactions. Their only phone support told me that they could note my case but had to send the case details to email support the Account Specialists had no phone line. How is it possible that such a large, seemingly well-respected company had no phone line for cases of high urgency? This has been an absolutely ridiculous process.
Consumer complaint received 2021-10-22
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. (GA)

I, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.
Consumer complaint received 2021-10-22
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)

I have contacted CITICARDS XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2015 with a Balance of {$6000.00}. Other than been fraudulent, the bank is still reporting a balance of {$6000.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 has 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 a account without my written instruction.
Consumer complaint received 2021-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I tried to submit a payment to my XXXX XXXX for {$570.00}. This was done before my bill and statement was due. But I was unaware that the payments were connected to my savings instead of my checking. This caused my account to show up as a late payment on my credit report.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

I had an initial auto loan with Bridgecrest, upon financing with a more reputable bank, a payoff check was sent to Bridgecrest from our new bank XXXX. Bridgecrest received the check on or around XX/XX/2021. The tracking number proves it was received by Bridgecrest. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to Bridgecrest and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that Bridgecrest had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

Hi. I received a letter in the mail of a debt that is not mine from 2017. I have no outstanding bill with XXXX XXXX XXXX. I have tried calling to speak with someone to explain that I have no outstanding debt and no one will return my call. I'm very confused as to why I'm getting this letter. It is fraud.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I signed a 2 year contract with XXXX XXXX XXXX around XXXX or XXXX of XXXX. My payments were automatically drafted from my XXXX XXXX XXXX  Account for " 3 years. '' I called XXXX XXXX XXXX several times in XXXX of XXXX and in XX/XX/XXXX to cancel my service after the contract expired each time I was hung up on, and they refused to cancel the contract. One of the customer service agents told me that I called to renew my contract which is an indication to me that the young lady I spoke with falsified her notes. In XXXX of XXXX I had enough and cancelled/stopped my auto payment. then I started receiving phone calls telling me that owe {$240.00}. I services were not cancelled until I stopped paying after several attempts to cancel it my calling as they informed me this was the way to cancel it. Now I am receiving notices from Credit Collection Services stating that I owe {$270.00} to XXXX. I have disputed this debt with XXXX and Credit Collection Services. I have written letters exactly as this one informing them what happened and I feel as if I am being ignored. I requested documentation from Credit Collection Services that would substantiate the debt and the only thing they sent was a bill from XXXX. The 2 year contract I signed would better clarify this issue. the contract expired 1 year before I stopped my auto payments.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I have been a victim of credit card fraud and a flawed review of the issue. 

Foreign high dollar transactions were made on my credit card : XXXX XXXX {$4900.00} ; XXXX XXXX {$3000.00} I was not aware of these fraud transactions. According to the company these transactions were approved by text messages. 
On XXXX XXXX, I received a call from the company with concerns regarding these high dollar transactions. However, I could not speak with the company representative at that time and called the next day to follow-up. The company sent me an email later that day that they were researching my fraud claim. I would point out that I did not make the claim as I was not aware of the fraud attempts, the concerns originated with the company. 
On XX/XX/XXXX I called and confirmed that the transactions of concern were, in fact, fraud. That should have stopped the transactions from moving forward. That did not happen. 
I continued to follow-up with the company fraud department and then I escalated this issue to the company executive offices as the fraud department resolved that the charges were my responsibility based on the text messages. I did receive follow-up calls from the company executive offices, but again was told this could not move forward. I would point out that follow-up with the company executive offices took two months, multiple phone calls and emails from me and two Team Managers before I received a follow-up response. 
Again, I would emphasize that despite the company claiming to receive text authorizations they remained concerned that these transactions were fraudulent and called me for confirmation. And, again, I confirmed that this was fraud.
Consumer complaint received 2021-10-22
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: LEXISNEXIS (PA)

LexisNexis used a database to fish out negative information on me, the consumer and sold this negative information to other consumer reporting agencies without my consent ( Chapter XXXX Bankruptcy filed XX/XX/2017 ). This is a direct infringement upon my right as a consumer to privacy. LexisNexis also did not have a permissible purpose, nor did they have written instruction to do so. I have sent a letter via certified mail to LexisNexis advising of the following violations, and I have asked them to cease and desist of these actions immediately.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Please see the attached certified mail receipt, along with proof of delivery and the letter sent to LexisNexis XXXX 

Thank you in advance for your time and assistance with this matter.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

It has been explained to me by all three credit reporting agencies, that they do not work for constituents ... they work for creditors. Their goal is to make one 's credit scores lower, so that the creditors can charge higher rates. 

I have two legittimate loan which have been paid to a company. I have submitted Notarized statements of the significant payments and closure of accounts. Theese belong on my credit reports.

All three have refused to place these on my credit reports for " your creditor is not one of our paying Partners '', They are intentionally keeping significant information of large credit accounts paid in full ( and early ) in order to help their real clients, the creditors to charge larger interest rates. 

I demand they place the attached in my file as positive creditor Activity.