davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (FL)

I received a {$99.00} card fee on my XXXX statement so I paid the outstanding balance of {$8500.00}. This amount was paid on XX/XX/20. I then contacted Alliant and told them I wanted to cancel the card because of the fee and asked that the remaining rewards of {$120.00} to be paid since the card was paid in full. I was then informed that if I cancel the card and don't pay the {$99.00} fee, that they would not pay me the earned reward use credit of {$120.00}. I escalated the matter to another supervisor, but was told that if I cancelled, I would forfeit the outstanding reward amount. I have been an active user of the card over the past year and always paid each month in full. This last month was no exception. It seems very deceptive and unfair that they would force me to renew a card that I don't want in order to receive the reward credit that I have earned. Attached you will see where I had the {$99.00} fee and then they refunded it but said I do not get the reward, so I told them to keep the card active until we could resolve this issue. That is why you see the {$99.00} fee twice. Any assistance in resolving this matter would be very appreciated.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

I received a letter from Harris & Harris , Ltd. alleging that I owe them money for a medical debt. I do not owe Harris & Harris , Ltd. anything. I've never received medical care or agreed to pay them for any medical care. The creditor they've listed on the obscene letter I received, I don't have any past due balance with. So, I'm not sure when or why they have come to this conclusion.
Consumer complaint received 2021-06-03
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. (UT)

XXXX XXXX XXXX is violating my rights under FCRA section 605b, by reporting fraudulent transactions to the credit reporting agencies. They have reportXXXX, they are violating by reporting balances that were a result of fraud. Please remove all reporting of this business account from my credit reporting profiles immediately. Attached is the valid and active police report from the XXXX XXXX police department.
Consumer complaint received 2021-01-15
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. (FL)

I'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved thank you.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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 (UT)

I opened an American Express Platinum personal Card on XX/XX/2020 online with a marketing promotion of promising XXXX Membership Rewards points after spending {$5000.00} on purchases on the credit card in the first 6 months of Card Membership. Plus I would earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to {$15000.00} in combined purchases, during the first 6 months of credit card membership.

After 2 months of using the card at grocery stores and gas stations, I noticed I wasn't receiving my 10x points back on purchases as promised by the promotion so I reached out to the American Express support. They notified me I wasn't eligble for that promotion nor was I eligible for the 100,000 membership reward points even if I spent {$5000.00}. 

American Express claims when I applied for the credit card, I was notified I would be ineligible for the above promotion. I was NEVER notified I would be ineligible for the promotion and I was immediately approved for the credit card after I applied. I even received the card 2 days later and I've been using the credit card for every purchase since I was approved believing I would receive what was promised to me by their promotion. 

American Express refuses to fulfill on the promise of their offer which is an extremely dishonest business practice since I NEVER received any prompt that notified me I would not be eligible for the offer. I hope American Express will see their wrong doing and fulfill on their promise. OR refund me their exorbitant annual fee of {$550.00} which I've already paid in full.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

I requested proof of the alleged late status and I have not yet received any documentation. Navient never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor Navient. The late payments remain on my account with the credit bureaus and they have not been properly verified.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

At this time, I respectfully request a copy of my XXXX Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WA)

Around XXXX XXXX, I was notified by my bank that my credit score was significantly and negatively impacted. Following up on the issues, it appeared that XXXX XXXX XXXX ( in XXXX, IN ) reported me for two unpaid bills for the total of {$250.00} to the credit bureau and the I.C. SYSTEM, INC collection agency for the bills that I had never received. In the following days after I received the notice of my credit loss, I contacted the XXXX XXXX XXXX to inquire about the unknown bills, despite multiple calls and requests to speak to someone in the finance office, they hung up the phone. In the meantime, I paid the unknown bill to I.C. SYSTEM, INC, while at the point I still did not have a bill or an itemized invoice. After spending over 40 hours between contacting my bank, the collection agency, the credit bureau, and the XXXX XXXX XXXX, I finally received a bill that indicted two days of visit in XXXX and XX/XX/XXXX. I tried to dispute the charges pertaining to the visit in XX/XX/XXXX, which was denied by the XXXX XXXX XXXX. The nature of my dispute was that due to extreme XXXX XXXX XXXX XXXX I made a visit to the XXXX XXXX XXXX, and that was my final visit which was towards the end of XX/XX/XXXX. On the day of the visit, I told my doctor and the nurse that I was suffering from a XXXX XXXX XXXX. The doctor used a swab to check if my throat had any infections. At the end of the visit, she mentioned that I did not have any infections but they would have to send the swab to the lab for further examination. Despite my XXXX XXXX XXXX the doctor sent me home while not prescribing any medication for me. After 10 days of suffering at home, while I kept calling the clinic back to get some medication for my temperature and sore throat, I finally received a call from the clinic indicating that my results came back positive, meaning that I had a XXXX XXXX, while the doctor missed it on the day of my visit and caused me XXXX XXXX Due to this clinic 's negligence in not providing me with the appropriate and timely care that I needed, my XXXX  XXXX continued until XX/XX/XXXX, while the XXXX XXXX XXXX XXXX XXXX, and I experienced XXXX XXXX XXXX  for an extended time which was examined and cared for at another medical clinic. I expect to be fully refunded for the amount I was charged by XXXX XXXX XXXXI.C. SYSTEM, INC.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  XXXX ( Date Opened :, Balance : {$0.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

On XX/XX/XXXX I checked out my XXXX XXXX  account, I check it quite often since Ive made a conscious effort to get my credit score up. On XX/XX/XXXX my XXXX credit score was XXXX. Its now down over XXXX points because of a collections account Ive never owned. It states on XXXX XXXX it was opened on XX/XX/XXXX, original creditor is XXXX, and owe a balance of {$280.00}. I contacted the reporting agency which is Jeffersons Capital Agency. Also I must tell you I was never sent any type of a Written Notice about this debt collection.When I called, I could not get a hold of a person and so I had to put in my SS # to find out more about this so called account. Through the phone tree, I requested all information regarding this account and all information on verification of ownership. Im still waiting on all of that. However I can tell you XXXX is a mobile communications company, and Ive never ever been with XXXX. Ive been on a family plan from XXXX XXXX XXXX with my brother XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX to present day, I have transferred to my fiancs plan, XXXX XXXX, whom has been with XXXX. I believe I can get documentation from my brother for the time I was with him, and I can definitely get statements from XXXX Please help me resolve this, its so frustrating after all the hard work Ive been doing for my credit.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS PORTFOLIO RC XXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from PORTFOLIO RC WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-01-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2023-02-16
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. (IL)

Transunion and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system E-Oscar to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ XXXX XXXX 2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX  XXXX 3rd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX XXXXXXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ).

This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
Consumer complaint received 2018-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NH)

unauthorized - listed as a refund to the person - never authorized, we know nothing about this person or persons - reported this to XXXX. 

Paid with PayPal balance Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} Total {$990.00}
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (LA)

I was contacted by a collection agency on behalf of XXXX requesting an amount not owed. I reached out to the original creditor to validate the service amount. it was verified that I did not owe what this collector is requesting. I am requesting immediate removal from my credit report as this is against the law for them to report a balance that is not due and that has been verfied by the original creditor not owed.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding file merging and the characterization of my payment history. 

I would like to draw your attention to the following account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update my accounts information to accurately reflect that the accounts have never been delinquent and are closed with a positive payment history.

Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. In accordance with the Fair Credit Reporting Act, I also request a copy of the corrected credit report once the necessary adjustments have been made.

Please confirm receipt of this letter and provide an estimated timeline for resolving this dispute. If further clarification or documentation is needed, I can be reached at the contact information provided above.
Consumer complaint received 2023-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NC)

Navient was the loan servicer of my student loans. They have since been involved in a class action law suit. I am due retribution of {$260.00}. I am unable to get a reissue on my check. I fill out the form my North Carolina Attorney General 's off sent me. They are telling me they do not have record of my claim. I have seen the claim on an unclaimed property website. 
The check was issued in XXXX of 2022. It was sent to my previous address, and under my previous name : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have since remarried and changed my address : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

This is related to my efforts to close my Citibank Visa account. I previously reported that the company will not close my account because they claim they are not able to verify me online. They refused to provide an alternative method to close the account ( e.g. by signed written request sent by post ). Now I find that the company has increased my credit limit " as requested ''. I made no such request. Moreover, since they have locked my account and have refused to close it because of their claimed inability to verify me, it would seem impossible for me to make such a request.

I suspect that this is an abusive retaliation from Citibank Visa 's fraud department for being a " difficult customer. '' Increasing my credit lmiit is potentially damaging to my credit score and therefore harms me materially. This appears to me to be a violation of 12 U.S.C. 5531 ( d ) since it takes " unreasonable advantage '' of my " inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service. ''
Consumer complaint received 2024-03-21
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.