davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2018 I received a call from American Express offering to upgrade my account. 2 weeks later I received 3 new card for 3 of my businesses. I wanted to know the terms of my card so I called American express on 3 different occasions I called American Express to see what my payments will be, and the representative advised that payments will range from $ XXXX {$220.00} a month per card. After this information, I decided that I would use the card. I used the card and then I got a bill for the full amount due and later discovered that I had a net XXXX card and where I would have to pay the balance in full each month. 
This is not what I signed up for and was highly disappointed when I found this out because I was told on 3 different occasions that I would be able to pay off the balance over time.
Consumer complaint received 2021-12-22
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. (FL)

I received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas victim of identity Theft.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery is currently trying to collect medical debt from me. My credit report is reporting three different days last active. 
XXXX. XXXX XXXX. XXXX XXXX removed for errors This can not be correct, as the day last active would affect the day the account would naturally drop off.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

In this day and age of electronic payments, there is NO way that USAA Savings Bank/USAA Federal Savings Bank needs 7 to 10 days to process my monthly electronic draft payment. I pay our XXXX bill using electronic draft from my checking account every month, with payment always set prior to the due date, often a week to 10 days prior to the due date. I pay in full every month, and have done so for the over thirty years I have had a credit card with USAA. The payment amount disappears from my checking account on the date I have set the payment. USAA, however, does not release our credit limit for up to TEN days after the funds disappear from our account. 

If this were a paper check, I would have some understanding of the need to confirm that funds are available in my account, and that process taking several days. However, there is NO way that USAA doesn't have those funds almost instantaneously, and certainly within one to two days of the electronic draft date. 

When USAA does not fully credit our account with this payment ( which, again, is drawn electronically and immediately from my checking account ) and release our credit limit, however, I can not use our credit card. It causes real hardship during times of year, like XXXX, when we are making large purchases and need a credit card to do so. If USAA has my previous payment in their accounts, I should be able to use our account up to the full credit limit ( minus whatever outstanding balance we have accumulated in the interim period between the statement date and present date ).
Consumer complaint received 2019-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I was paying off a loan until my income vhang d drastically. I had paid over a year and was down to {$300.00}. Tower Loan garnished my wages. My bank informed the company that my income was federally protected XXXX XXXX direct deposits. The creditor resent the garnishment order again anyway and removed {$300.00} fromy account and had the bank to freeze my account for XXXX XXXX. I contacted the bank and they told me to contact Tower Loans. I contacted the manager and asked her to release my funds on XX/XX/2019 She was extremely rude, unapologetic, and said that she was told my funds were protected but that she could release the funds back to me whenever she wanted to then hung up the phone on me. She refused to talk to the bank representative or release my funds. I had already dealt with Tower Loans manager when she came to my house to repossess the collateral furniture I had bought through the loan company. I brought the items to her to satisfy the {$300.00} remainder on my loan. There was a couch, rug, and two bed frames. The manager said she could not take the items in her car that day bout would return with a truck. She never came back and instead garnished my account month after month. I was not protected by my bank XXXX XXXX whom I have banked with for over 10 years. Tower Loan is deceptive. I had XXXX perfect loan histories with Tower loan but fell on hard times with a mere {$300.00} balance and they refused to work with me and decided to mess up my accounts placing holds, holding money I needed to pay rent, buy diapers, and feed my children. Tower Loan on XXXX XXXX in XXXX XXXX XXXX not a good company to work with.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (MA)

I became a victim of identity theft and filed a police report in the beginning of XXXX. I have been to TD Bank to sign my signature for paper work for the fraud department. I have been dealing with this for 6 weeks and TD Bank has been holding my funds, not letting me know what is going on with my money. None of my money is in the accounts. After filing for for fraud, the staff at TD Bank told me that I had 30 days to open a new account for my money. I did just a few days later when my accounts were frozen, the new ones were frozen the very next day from when I opened them. I am getting different stories from TD Bank staff. That I have shouldn't of opened one, and then another bank manager tells me that I needed too. No one knows what is going on with my complaint, I have no money to run my business and I can not pay my staff. I am on 6 weeks and my staff is about to leave and I am about to lose my business.
Consumer complaint received 2023-01-20
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. (NV)

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 items listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

So my problem is a general problem with all 3 bureau 's. I want to know how a company that you may have been making monthly payments to like a utility company for instance for 20 years never has to report your good 20 year history but when you leave them and don't pay the last bill they can report that. 
this is supposed to be fair trade, I believe and will argue and go to court is needed that if a company is not required to report your good payments they should have no right to to report anything period. 
all your loans, credit cards etc. have to report every month why should these companies not be required to do the same.
Consumer complaint received 2019-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have no knowledge of this card never received statements or nothing there was a data breach and my info was compromised I was alerted by XXXX XXXX  and now I get this collection letter for XXXX credit which I never had! 
Also XXXX advise me their credit limits only go up to {$16000.00} so there is no way I should have a balance of double {$32000.00}? 

I dont understand how XXXX credit would let somebody go over double the credit limit and even the fraud specialist was surprise this account was not frozen
Consumer complaint received 2019-12-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I had medical insurance of through the state of which I provided the information to the company back in XXXX when the matter arose. In XXXX I was placed in collection for this debt with CMRE. I had spoken with them on several occasions even disputing this debt and requesting validation of the debt. I was never provided such information upon my request. Due to the matter being incorrect it was removed from my credit reports. However CMRE violated fair credit act by re-aging this debt and changing the amount in order to place this debt on my credit report again. The debt they are now claiming is XX/XX/XXXX of which I have had medical insurance over the last XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

An acct was opened from a business partner and put the account in my name and then over drafted the account tremendously. XXXX XXXX was the business name. In the end of XX/XX/XXXX thru XX/XX/XXXX. I have not been able to open another acct with wells Fargo since.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Albert Corporation (TX)

The phone number says he with my account is XXXX for my phone in my purse were stolen I made a police report I sent it to your people my name is XXXX XXXX the counter on XXXX XXXX my birthday is XX/XX/XXXX my Social Security number is XXXX email says he will my count is XXXX XXXX XXXX {$1500.00} was stolen from you it was a deposit from XXXX charities I want my money back now Albert Cash Account statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account number XXXX Statement period XX/XX/XXXX, XXXX XXXX, XXXX Transactions Date Merchant Summary Beginning balance on XX/XX/XXXX Deposits Withdrawals Purchases Fees Ending balance on XX/XX/XXXX Get help Text us at XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Balance Type Amount Error resolution notice In case of errors or questions about your electronic transfers telephone us at XXXX or write us at XXXX as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. 
( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 
( 3 ) Tell us the dollar amount of the suspected error. 
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 
Banking services provided by XXXX Bank, member FDIC.
Consumer complaint received 2019-12-15
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. (NJ)

I have received letters from collection agencies confirming that the XXXX XXXX XXXXXXXX is aware of a fraudulent account being reported on my SSN yet still does not take it off!
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (AL)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2019-12-15
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: Experian Information Solutions Inc. (AZ)

Experian Credit Bureau deleted XXXX XXXX XXXX XXXX on XX/XX/19 on Report # XXXX. In XX/XX/2019 Experian Credit Bureau  allowed XXXX XXXX XXXX to be put back on my credit report. This is double jeopardy and needs to be removed immediately. I contacted Experian on XX/XX/XXXX and was told XXXX XXXX XXXX would be removed immediately. As of XX/XX/XXXX XXXX XXXX XXXX has not been removed.
Consumer complaint received 2019-12-15
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. (OR)

My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX app and other report providers.
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX XXXX and other report providers.
Consumer complaint received 2019-12-15
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. (OR)

My situation is XXXX XXXX XXXX negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in XXXX app and other report providers.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Alorica Inc. (CA)

My husband and I took out a loan for an XXXX XXXX XXXX Bank in XX/XX/XXXX. SST took over the loan shortly thereafter ( Acct # XXXX ). The loan required automatic monthly withdrawals from our checking account of {$300.00}. These withdrawals took place with no issues for nearly 7 years, then in XX/XX/XXXX, for an unknown reason SST submitted the request for payment to our bank using the wrong checking account number. The bank branch manager confirmed the wrong account number was provided by SST and sent us a screenshot for our records ( bank transaction record of attempt and denial uploaded ). The bank denied the payment ( there have been no changes to our banking situation/account, etc. ). This mistake on SST 's part resulted in a delinquent payment and negatively impacted our long-standing excellent credit scores by more than XXXX points each! When I realized something went wrong I paid what was in arrears immediately including late fees. 
When we explained the situation and asked for resolution on XX/XX/XXXX, they said they would have a manager in their dispute resolution group call us. We have not received a phone call response as of XX/XX/XXXX. I also note that their automatic payment policy includes a statement that says once notified of an error, they will determine if an error occurred within 10 business days and will correct any error promptly. 
We received a letter dated XX/XX/XXXX from SST responding to a request to remove negative comments from our credit history. However, it is clear that instead of investigating the situation they simply confirmed payment was made more than 30 days late ( see uploaded SST letter ). It also appears that they are charging us {$45.00} for a " XXXX XXXX XXXX '' on XX/XX/XXXX ( see last page of uploaded SST letter ). 
We are in the middle of refinancing our home, and this mistake on SST 's part will end up costing us tens of thousands of dollars over the life of our new loan since their mistake means we no longer have stellar credit scores and will not get the best rate. 
SST has not owned or even acknowledged their mistake nor made any attempt to make it right for us, loyal customers of 7+ years. 
I have sent a response letter to SST requesting an actual investigation to identify why an incorrect account number was used, dated XX/XX/XXXX ( see uploaded letter to SST ).
Consumer complaint received 2021-12-22
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. (TX)

XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.
Consumer complaint received 2023-01-20
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)

THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS, these accounts are not mine. Aso, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2000 XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NM XXXX