davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

JUNK DEBT BUYER - IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$310.00} the collection has been reported as a balance, a collection account, and an open account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Midland Credit Management, owe me in my Bill of Particulars.
Consumer complaint received 2021-09-19
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 (MA)

American Express sign up bonus of XXXX points was not honored. The sign up bonus received was XXXX. When I called AMEX, they informed me the offer link I used for was for the lesser amount of points. They also confirmed the XXXX offer was introduced in XX/XX/XXXX and it is still valid today on their website. I signed up for the card from their official website. AMEXs argument is that I went to their website and somehow sign up using a link for an offer with lesser points than what has been getting advertised for almost a year. Again, the XXXX offer is still valid today on their website. The offer advertised when I signed up was of XXXX. AMEX is deceiving customers and luring them in with promises of a high sign up bonus that is not being honored. Only AMEX is able to see the offer link I sign up for which is not transparent. This is false advertisement on their end and a cheap tactic to get customers in the hook for a meeting credit card. I did not take a picture of the offer when I signed up, I attached an article from XX/XX/XXXX that advertises the XXXX sign up bonus. I signed up for the card on XX/XX/XXXX.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-12-06
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)

inaccurate information being reported inaccurately requested method of verification such as original documents, signed applications, or forms with no response I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. He also stated that once I receive this information, he would like to review it. Please send ASAP.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted XXXX XXXX XXXX finance on XXXX XXXX XXXX at XXXX to request an extension for my XX/XX/XXXX payment. XXXX advised i wasn't eligible for an extension, however, stated there were other options available that would prevent any negative credit reporting/ 30 day late notices. XXXX of the options she gave, was to schedule my payment to be debited from my account on XXXX XXXX, XXXX. I specifically asked her if she did this, would it prevent my account as showing 30 days past due for XXXX, and she advised YES, it would stop 30 day late notice to credit agencies. I agreed to have payment scheduled on XX/XX/XXXX, due to the false information given to me by the capital XXXX representative. I have never been late on the auto loan since the account was opened in 2020. I'm in the process of buying a home, and this error caused by the capital XXXX agent has impacted my credit score negatively. Had i known that the account was going to be reported as late, i would have made arrangements to pay prior to XXXX XXXX. Please resolve this error by removing 30 day late notice on all credit reports. This error was caused by misinformation given by a XXXX XXXXXXXX representative.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2021 I was shopping for mortgage rates online and submitted my info to a couple of lenders- one of which was JPMorgan Chase Bank, since I have an existing credit card relationship with them.

I was told that the online application is a soft pull and not a hard pull. However, when a customer representative called me he said he has my score and didn't have an appropriate response as to how he pulled my credit without my permission.

Following this, I got a letter in the mail from JPMorgan Chase Bank as well stating that they got my credit score from XXXX Consumer Relations. I had at no point authorized them to do a hard credit pull I need this expunged from my record, since I may need to apply for a mortgage loan in the future and do not want this hard pull to dent my score
Consumer complaint received 2023-10-30
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. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (WI)

On XX/XX/2001 I received a notification from XXXX credit monitoring that comenity bank/Victorias Secret pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.
Consumer complaint received 2023-02-09
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: Spring Oaks Capital, LLC (CA)

there are two accounts listed on my credit report that DO NOT BELONG TO ME. I was a victim of identity theft during this time frame. I have filed a police report previously and filed a dispute with XXXX XXXX XXXX XXXX regarding this matter. The accounts are under the name XXXX XXXX XXXX XXXX ( 977 ) owed and {$210.00} owed. Under same account name. I investigated further and I need this debt removed from my credit report. Also XXXX XXXX XXXX  is reporting ( 2 ) accounts under CLOSED in my 3 credit reports. Claiming two seperate accounts one in the amount of {$1100.00} owed and the other with {$710.00} owed. Both of these accounts were opened online when someone stold my wallet and stold my identity. Te had access to my ID my social security card and my mailing address informtion. All 4 of these acconts are being reported fradulently on XXXX XXXX AND XXXX. Please remove credit debt from my report.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX we found out that our bank account was charged {$53.00} XXXX XXXX XXXX. Immediately we called the bank and dispute this unauthorize charge. We filled out paperwork and provided brief explanation about the amount to the bank. The bank credited the {$53.00} back to us. We exchanged several phone calls with the bank representative and letters with the Citibank about this charge. On XXXX XXXX they debited our account again for {$53.00}. 
We would like to make a final resolution to the unauthorized charge. We called the Citibank representative and asked to provide the name and address and phone number of the Citibank investigator and direct contact of the vendor who should be our first point of contact as to this charge but no names were given to us. As such we feel we have been harassed for profit. 
We hope that the amount of {$53.00} will be credited back to our account and that will be the end of it.
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I am being scammed by someone who used my identity to make a hospital and Dr bill. I made out a police report and I was not even in XXXX county on the date. I did not go to any hospital or Dr . Nor have I had any credit cards in my name. Someone who used my identity and charged all kinds of debt.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I became aware that a checking account was opened in my name via email on XX/XX/XXXX saying that my debit card was mailed out. I never opened an account with Bank of America. I tried several times to speak to someone about this but the automated system will not allow you to speak with anyone without an account number or debit card number. I did not have any of this information because I did not open the account. After trying several numbers for bank of america I was able to get to an accounts salesperson who informed me that account was opened in my name but I would need to speak to the fraud department. In speaking with the fraud department I was told that I would receive information on on the account but they were unable to provide the information over the phone. I was sent an email suggesting me to report identity theft to the credit bureaus. Ofcourse I did report this but I never received the information promised to me about the account opened in my name. I received a debit card one to my parents address and another to my updated address I gave when reporting the unauthorized account. I have received several emails referencing new accounts. These seems to be multiple accounts based on the emails received after XX/XX/XXXX
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

This relates to an XXXX XXXX card. I called in and spoke with a customer service representative to payoff the balance on my credit card. He paid the balance in full. I thought that the balance would be XXXX and the last statement I received would reflect a XXXX balance. I received a statement but didn't open it as I had paid the balance in full. I later opened the statement and it showed a minimum interest fee of {$2.00} owing. I called XXXX to determine why this would be, while going through the queues I was informed my account was in collections. The representative told me the {$2.00} balance was interest owing ( even though the statement shows a fee charged of {$2.00} for a minimum interest charge ). She indicated the balance is now {$14.00}. I asked what for and she indicated fees and interest. I asked her interest on what and she said the balance ( which is fees and interest and to my knowledge you can't charge interest on fees or capitalize on current interest ). I told her they can't charge interest on fees and she indicated that yes, they could. I asked to speak with her manager. After she spoke with her manager, she came back on the line and told me they would waive the interest this time. They indicated the account would reflect a XXXX balance and I asked them to close the account. I am concerned about this having reflected negatively on my credit report. I also am concerned that they are operating with deceptive practices. When someone calls to pay off the balance on their credit card, they should expect that the full balance and interest to that date will be paid. They should not continue to be charged a minimum interest charge fee or be charged interest on interest and fees.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.
Consumer complaint received 2021-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Hello, I am XXXX ears old, control my own finances, have an A+ rating with my banks, and enjoy decent fico scores with XXXX  and XXXX  that reflect my methodic attention to managing debts and credit. 

It came to my attention that Transunion has on my score ( much lower than XXXX  and XXXX  ) a list of pros and cons to justify their rating. I contacted Transunion, first on-line and than through written correspondence. Both efforts failed to have them address the specifics that will be provided here with attachments. 

First : My on-line effort resulted in ( I was not properly informed ) being enrolled in a monthly XXXX XXXX XXXX. I quickly had that reversed. The points of my on-line dispute I filed were not properly addressed by Transunion. Mainly they content I have late payments on a recent account, a bankruptcy, Not enough installment accounts on time, and not enough of a credit history. All four of these items are either false or outdated and should ( according to law ) be removed from consideration. 

I have searched your complaint log and discovered Transunion has a significant number of similar complaints. Over XXXX i also found several recent complaints through a search of reviews, the bulk complaining that Transunion uses an algorithm and not actual humans when responding to on-line disputes.

Second : I drafted a comprehensive letter ( See Attachment ) outlining my concerns and received back a response that stated my letter is " illegible '' and that they could not determine the nature of my request. The letter was sent Certified through USPS. I have the receipt.

It appears that either the Transunion response staff is highly negligent or incompetent or both. It further appears that Transunion, the gate keeper of people 's financial credit scoring, have a vindictive, lazy cultural when it comes to correcting or updating their records. 

If this is happening to me it is surely happening to many others. It is incomprehensible how blatantly this entity that wheels incredible power can be so callus in their dealings. 

Respectfully yours, Concerned Consumer
Consumer complaint received 2021-09-19
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 — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (GA)

XXXX has violated several federal laws and are reporting inaccurate information on my credit report without being able to provide proper validation/verification of debt as required by law. On XX/XX/XXXX, I sent a Validation of Debt request under 611 ( 15 U.S.C. 1681 ) and asked for physical verification of the consumer contract under Section 609 ( a ) ( 1 ) ( A ). Please see attached XXXX did not respond within ( 30 days ) the time frames required by law, so I sent a No Response within 30 Days letter which was received by XXXX on XX/XX/XXXX. Please see attached On XX/XX/XXXX, I sent a third letter to XXXX requesting Validation of Debt under Section 609 ( a ) ( 1 ) ( A ) which specifically requires XXXX to prove the physical validation of a signed contract between myself and the alleged creditor. Please see attached. 
This is a complete violation of the law, and this is also hindering me from gaining proper housing. I do believe if XXXX could legally verify the account in question they would have sent proof by now. Since they have not and fail to remove the inaccurate account from my report they should be fined and held to the standard of the FDCPA. 
To date XX/XX/XXXX, I have yet to receive any investigation results. These are clear violations of the law.
Consumer complaint received 2022-09-17
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. (IL)

I have been trying to fix my credit reports I cant access them because of auto loans I dont have Someone used my name to get apartment There are credit card and loans dont belong to me Ive wrote XXXX XXXX XXXX and Experian I have complained to ftc and police this has been reported for past 5 years nothing
Consumer complaint received 2022-09-17
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 been trying to fix my credit reports I cant access them because of auto loans I dont have Someone used my name to get apartment There are credit card and loans dont belong to me Ive wrote XXXX trans union and XXXX I have complained to ftc and police this has been reported for past 5 years nothing
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Collection Management. Inc (MO)

The Consumer management debt collection agency is the company. The representative XXXX XXXX told me on XX/XX/XXXX that she will ask to request an eviction. I ask to speak with her supervisor and was told he wasn't available. After calling for a week. With no return call. I think I would like for something to be done. I was put in a emotional state of mind because of the conversation and the timing of the year. I would like the recording audio to be reviewed and handed to the appropriate team to make sure this never happens again.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (MA)

I previously opened a dispute with Wells Fargo regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and one in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, Wells Fargo replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.