davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : SYNCH-******************* Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (AZ)

I paid my American Express credit card balance down to zero, made a couple of routine purchases and then paid the balance back down to {$10.00}. This all happened BEFORE the statement closed. Then they closed the statement and slapped {$100.00} in interest charges. XXXX 's explanation was that the policy allows them to do this because the balance wasn't XXXX at the close of the previous statement period. At the very least, this is unethical business practice and should be illegal. That's a 1000 % interest rate for one month. Disgraceful American Express, disgraceful!
Consumer complaint received 2021-06-23
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 was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT ED/XXXX  and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for 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 XXXXXXXX, XXXX, XXXX. Im doing this by myself and really need some help.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE CORPORATION (NC)

My husband XXXX and I have a loan with South State Bank that matured in XX/XX/2021. While we were in the process of refinancing the loan, the bank reported our account as delinquent to the credit bureaus even though we continued to make our regular payments. 

Then on XX/XX/XXXX the credit bureaus XXXX, XXXX XXXX, and XXXX  reported the account as 30 days delinquent thus triggering a 40 point drop in my credit score and causing other creditors to take negative actions against me. As a result, XXXX has reduced my credit limit to the current balance. 

On XX/XX/XXXX, South State Bank sent us a letter stating the delinquency was reported in error and that they notified the credit bureaus to remove the delinquency. 

However, it's been over 2 weeks and the delinquency is still being reported and nothing has been corrected. 

This delinquency IS AN ADMITTED SOUTH STATE BANK REPORTING ERROR, why isn't the report corrected immediately? We the customer did nothing wrong except choose to give South State Bank our business. South State has been reporting incorrectly for over 5 weeks. What is the consequence to South State Bank? Someone should be held accountable for this egregious incompetence. 

Who will be held accountable for all the unwarranted negative effects we have to suffer through? How will our credit report, credit score, and credit lines get restored and WHY is it taking so long to correct an admitted error?
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

So back in XXXX of XXXX, there was a transaction of {$300.00} via XXXX that was flagged on my account. I was told to go to the branch and speak with the branch manager. I explained to the branch manager that the XXXX transaction was in regards to my brother whom was using my XXXX information for his business. The branch manager then told me that my account would be closed and that Id be able to reopen my account after XX/XX/2024. After the XXXX of XXXX, I tried to reach back out to Wells Fargo but they told me that the account was being closed and didnt really give anymore info.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Chex systems has completely black listed me from getting any bank account. I've applied for a dozen different accounts, some even second chance checking accounts but due to the consumer score I have failed to get an account. Even after countless hours disputing inquiries and closed accounts I've gotten no good results.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

XX/XX/XXXX, I was undergoing a student loan consolidation ( with Fed Loan ) and entered the income based repayment program. As the paperwork was being processed during XX/XX/XXXX through XX/XX/XXXX, AES reported my student loans were delinquent. However, the process was taking longer than expected. I called AES to dispute before it was reported and I was told there was nothing they could do to quicken the process. I also contacted FED Loan who currently manages my student loan debt now and they could not do anything to quicken the process. So AES reported, delinquent payment for XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (NJ)

RE : Illegal Reinsertion and Deceptive Collection Practices Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

Please help.
Consumer complaint received 2021-06-23
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. (KY)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Consumer complaint received 2019-12-17
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. (CA)

On XX/XX/2019, I filed a dispute on-line with Equifax to remove XXXX   XXXX-XXXX from my file. ( see exhibit 1 ). 
On XX/XX/2019, a letter from Equifax states they verified the item belongs to me and they only made a few modifications. ( see exhibit 2 ) On XX/XX/2019, a letter from XXXX states they notified all 3 credit reporting agencies to delete the account from my report. ( see exhibit 3 ) On XX/XX/2019, I have a notification from XXXX XXXX, XXXX XXXX was removed from Equifax report. ( see exhibit 4 ) On XX/XX/2019, I filed a dispute again with Equifax to remove XXXX from my credit report. ( see exhibit 5 ) On XX/XX/2019, I have a notification from XXXX XXXX again that XXXX XXXX.-XXXX was removed from my Equifax credit file. ( see exhibit 6 ) I have contacted Equifax multiple times. It is unbelievable how they have treated me. The proof is the letter from XXXX itself. If XXXX had changed their position, by law Equifax was required to notify me directly. I should not have had to file multiple disputes for one entry. I still do not know if XXXX has been removed or not. I directed Equifax to send me a new credit report with or without XXXX. I realize the dispute filed on XX/XX/2019 is still within the 30 day period, but my original dispute XX/XX/2019 is now over 60 days old!
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (VA)

Company applies debits before credit same day and will charge a fee of time is wrong vs full day. For example a deposit and payment happens on XX/XX/24. If they receive deposit at XXXX but debit payment at XXXX, they will reject the debit charge fee and okay deposit after the fact. 

They close accounts in negative before public timeline allotted to everyone. 

Inconsistent practices based on illegal qualifiers.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

My vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Pursuant to 15 USC 1692. ( a ) ( e ) and 15 USC 1692a. ( 4 ) Account Resolution Services is in violation of the following, but NOT limited to : 15 USC 1692b. ( 2 ) ; 15 USC 1692b. ( 5 ) ; 15 USC 1692c. ( a ) Account Resolution Services has been notified of these above mentioned violations and more via certified mail.

They are attempting to collect a debt that is not theirs to collect, and a debt that is not owed by law, because I am, the consumer, and the creditor. Therefore any additional attempts to collect on this alleged debt is now considered fraud.

If ARS doesn't comply with federal law they will be held accountable for willful non compliance as stated in my address certified mail correspondence.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2021-06-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2021 I pulled my report and saw collections 8 or 9 of them. PORTFOLIO RECOVERY ASSOCIATES had reported me for 4 of the 9 collections. XXXX XXXX sold two accounts to them I know this because XXXX  XXXX wrote me two letters I have included. PORTFOLIO reported to the bureaus in a way that on paper it seems like 4 collections. I disputed thinking it was an accident but in return, PORTFOLIO sends me a letter that says verified and ignores the issue. This is how they did it. XXXX XXXX sold Acct # XXXX and Acct # XXXX PORTFOLIO reported it to XXXX  that way XXXX  as well but then reports to XXXX  like this Acct # XXXX which is the same as XXXX and Acct # XXXX which is the same as XXXX. The result is that it would impact my credit score tremendously as it has.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (WA)

I was supposed to receive a {$900.00} bonus from Chase for opening checking and savings accounts using a coupon code and completing certain activities. I followed all of Chase 's instructions and completed the activities, but did not receive any bonus. 

I contacted Chase, and they are claiming the coupon code was never attached to my account. This is not true. I opened the accounts by clicking the link in the email they sent me with the coupon code. The email from Chase clearly states 'Coupon code applied when you click Open both accounts ', which is what I did. Looking at comments online such as this one [ 1 ], I'm not the only person who Chase has told this to. I suspect their website has a technical glitch preventing the coupons from being attached to new accounts, but this is no excuse for not honoring their advertised promotion. It seems like Chase is trying to avoid paying the bonuses they owe new customers. 

Attached, please find PDFs containing : - the email from Chase, dated XX/XX/2023, with the coupon and links I used to open the accounts that same day - bank statements from Chase proving I completed the qualifying activities to receive the {$900.00} bonus as stated in the previous email - my correspondence with Chase prior to filing this complaint [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a follow up for closed complaint # XXXX New evidence has been publicized affirming XXXX XXXX predatory practices regarding luggage charges. 

Request full refund of {$99.00} for these charges from credit card Bank of America which sided with XXXX XXXX and refused give credit. 

Details : XXXX XXXX charged for luggage that complies and meets XXXX 's luggage policies and fits under the seat. 

On XX/XX/ a charge of {$99.00} was made for a bag that complies with policy as stated above in a last minute boarding the airplane. 

Employee denied boarding the airplane if this fee of {$99.00} was not paid. As the boarding was rushed, it appears the bag got snagged on the verification box at the gate and immediately the employee sent my wife to the counter without say in a disrespectful manner to pay. The employee at the counter was in the same mood and no option do dialogue and fix the situation. 

XXXX claims I boarded the airplane and that I paid for services that were rendered. Its very dishonest to charge customers for services not provided since the luggage meets their policies.
Consumer complaint received 2023-03-31
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.