davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
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. (AZ)

The end of XXXX, I called XXXX to share that I was having a financial hardship. They approved a short-term payment plan for my loan at a lowered monthly payment than what I previously had with them. My payment required due date was by XX/XX/XXXX. I had previously had my payments on an ACH payment to XXXX for over $ 400/month through my XXXX account. I stopped the ACH to assure that the old payment amount would not be drawn. I called and informed XXXX  of this and was told NO PROBLEM. XXXX provided me with their mailing address and my exact account # and I immediately created an account for them on my XXXX bill pay. A check was mailed out mid XXXX and cashed/cleared from my XXXX account on XXXX XXXX, 2020. My XXXX bill pay does not pull funds until the merchant cashes the check. This happened on XXXX XXXX, 2020. However, XXXX is saying that they did not receive the payment until XX/XX/XXXX. They therefore kicked me out of the short term plan, reported me to the credit bureau, and despite me sending copies of my bank statement showing their payment clearing my account on XX/XX/XXXX, refuses to reinstate me back onto the plan. I did make my second monthly payment in this plan for XXXX. The check cleared my XXXX account on XX/XX/XXXX which is two days after it was sent. I have sent 10 emails begging for help. I have called a dozen times pleading for help. I have done NOTHING wrong and this company has now ruined my credit score.  XXXX XXXX is a supervisor that I have spoken to multiple times. They claim that a " back office '' determines things and they can not help me. Today, I received a letter from XXXX representative " XXXX '' that was meant for another customer named " XXXX '' and it contained his personal information. This company is reckless and in violation. Please help me. I can provide my bank statements as well as poor XXXX email that they mailed to me addressing a bi weekly plan ( FYI - they told me that this email was for me and someone typed in the wrong name ... I NEVER asked for a bi-weekly payment plan so this is another lie ).
Consumer complaint received 2020-03-15
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: EQUIFAX, INC. (ND)

There is a collection on my report that should be removed. The information reflected by Equifax was wrong and i sent a dispute to them on XX/XX/XXXX and received a response on XX/XX/XXXX with updates to it as well as my Fico score dropping 14 points for no reason what so ever. A payment was missed to a hospital in XX/XX/XXXX and the debt was sold to this collection agency and they have been misrepresenting the delinquency date since. When I reported this to Equifax and ask that they remove it as it has been over 7 years since the delinquency which also has been paid in full, they corrected the delinquency date to reflect it being much older, updated the debt collection and balance date for today thus dropping my score 14 points. That is not fair and that is not legal! It should have been completely removed. Clearly something is amiss here with this. I have attached a pic of the credit report reflecting the collection as well as a pic of there updated results.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am a XXXX XXXXr who works at XXXX XXXX in XXXX, OR. Our county received CARES funds to support vulnerable clients in XX/XX/XXXX. These funds were put onto Bank of America Rewards Card and given to certain clients in the amount of {$500.00}. This client is a single mother who speaks XXXX. She has not been able to use the majority of the funds on the card, because the card consistently denies purchases. She has called the Bank of America customer service line several times to try to sort out issues. On XX/XX/XXXX this writer attempted to call Bank of America with the client and the bank refused to provide any information to the card holder with someone else on the line. The four customer services representatives who we spoke with used predatory practices throughout the entire call. They kept transferring our call " to a different department '' or would transfer the call without informing us of the transfer. During one call, the XXXX speaking customer service representative told the card holder to " shut up '' or he would hang up the call. He later transferred the card holder to a supervisor who does not speak XXXX. The balance on the card is now lower than it should be. The card holder has experienced verbal abuse and discrimination by Bank of America 's call center. She needs support in order to utilize the few XXXX dollars so that she can buy food and other essential items for herself and her child who has XXXX. As a professional, I was shocked by the blatant cruelty that came from the customer service representatives and extremely disappointed that an entity as rich as Bank of America uses such predacious tactics to cheat a vulnerable person out of such a small amount of money. This system is unacceptable.
Consumer complaint received 2020-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (DC)

I have false, negative claims on my credit report do to identity theft back in XX/XX/XXXX. These false claims are preventing me from purchasing a house at good rates for my family and I. There is a claim by XXXX XXXX XXXX  stating I had an account with them in XX/XX/XXXX. I have never done any business with XXXX XXXX XXXX  what so ever in my life. XXXX XXXX XXXX  states I then charged a XXXX to that account and never paid the balance of {$300.00} USD. At the time of the identity theft I was banking with XXXX XXXX XXXX XXXX and was notified by them about the matter. XXXX XXXX XXXX XXXX informed me to sign a Police Affidavit stating that it was a case of identity theft. I then signed a police affidavit and submitted it back to XXXX XXXX XXXX XXXX. I thought everything was done with the issue being as though the money was never charged to my account with XXXX XXXX XXXX XXXX. XXXX XXXX Bank then started making harassing calls to me as well as sending threatening letter saying " if I don't pay the balance they were gon na send it to a debt collection agency. I tried explaining the facts of the matter to XXXX XXXX XXXX. Trying to tell them that I never had any business dealing with them and that was a case of Identity theft. They wouldn't listen. In XX/XX/XXXX, I was in the process of purchasing my first home. My credit was checked and a debt of {$380.00} USD showed on my report. The debt was being enforced by Midland Funding and was a result of XXXX XXXX XXXX  transferring the debt to them. I reached out to XXXX XXXX XXXX  to inform them I never opened an account with them once again and they just wouldn't listen to me. XXXX XXXX XXXX  would just keep hanging the phone up on me. I contacted Midland Funding to inform them of the Identity theft that occurred with XXXX XXXX XXXX  pertaining to the exact same debt they were attempting to recover. They were not listening and continue to send letters to me to retrieve the amount. I have tried disputing the debt with the credit bureau and nothing has happened. I hired an attorney to clean up this matter for me and ended up paying them more than the amount the debt is, still nothing has happened. I refuse to pay for goods never rendered to me. I refuse to be another American being rail road by XXXX XXXX XXXX.
Consumer complaint received 2023-01-01
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: TD BANK US HOLDING COMPANY (TX)

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX XXXX with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX  ( never authorized ). Mr XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for 2 agencies and XXXX for one, and the ability to get the best rate offered by our financial institution of 4.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 4.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from Mr. XXXX XXXX to earn a referral fee from XXXX XXXX . Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Consumer complaint received 2020-03-27
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. (CA)

I recently disputed a bankruptcy that I saw on my credit report with your company. I disputed it because it is unverifiable, yet you updated the report with the statement that the account was verified.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-03-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I was trying to add a personal statement to my report when I was hung up on 3 times and lied to about the description of my statement. The accounts are unverifiable and I have requested disclosure from Equifax and XXXX and the process of the reinvestigation procedure and they are still reporting the account has been verified even tho I contacted the creditors and they cant verify them. This was on XX/XX/2021. I have been sending letters since XXXX XXXX.
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-03-15
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: EQUIFAX, INC. (NV)

These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ZWICKER & ASSOCIATES (OH)

i called to discuss a settlement on my account. the call was answered by a XXXX XXXX XXXX representying XXXX XXXX and his debt service Zwicker & assoc.

After a formal id check this person became intolerant and offered me an unreal settlement amount. After he offered me a cash amount for immediate settlement which is not possible. 
On further discussion he told me that my wife is able to settle this account in full. 
My wife has seperate financial accounts and is not responsible for me in any way. 
He insinuated I was a liar. He became rude and intollerant and ended the call
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, convergant account # XXXX, XXXX, XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at XXXX
Consumer complaint received 2024-01-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (IL)

I closed a high yield savings account with American Express in XXXX last year and was told a check was issued on XX/XX/2023. However I didn't receive the check so I contacted them and provided all the information they needed on XX/XX/XXXX. But so far I havent received my money back yet, which is over $ XXXX. I called them many times but no one could give me an answer as to why they haven't sent me a check or when I could get my money. I asked to speak to a supervisor but no one tried to contact me. The last time I called them was XX/XX/XXXX and was told they haven't issued a check to me yet but didnt give me any reason. 

This is the worst experience I have ever had with a bank. Considering the time I wasted on this issue and the value I lost on my money, I would like to ask American Express to pay me a certain amount of money.
Consumer complaint received 2022-03-24
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. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX {$450.00}, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank back dated the transactions one day for the transactions on XX/XX/2023 to XX/XX/2023. As the result of the back dating, my account 's balance was below {$1500.00} for one day.

Chase bank charged me $ XXXX  monthly fee.

I requested Chase to provide the actual bank to bank money transfer records of the three transactions on XXXX XXXX XXXX on my account, Chase refused to provide such records.
Consumer complaint received 2020-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I am reaching out to Western Union in reference to my previous complaint with the Consumer Financial Protection Bureau dated XXXX, complaint # XXXX. Back then I filed a complained due to my email address being attached to a Western Union account that used to belong to me but that I eventually transferred to somebody else 's name and email address, but for some reason Western Union kept my email address attached to that account even when the name of the account holder is not me. On the resolution of that complaint, Western Union acknowledged the error and said they corrected it and I should not receive any kind of communications regarding that account. Well today XXXX I received once again a communication from Western Union, in XXXX, directed to the account holder 's name but sent to my email address.
Consumer complaint received 2022-03-24
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: JPMORGAN CHASE & CO. (CA)

I had put a charge on my chase freedom card on XX/XX/XXXX for XXXX for a XXXX charge. When arriving to the property with my family ( a member who is on active XXXX treatment and very susceptible to illness ) the house had not been cleaned from previous guest. The sheets were dirty, dishwasher filled with smelling dirty dishes, ice maker in freezer broken and leaking onto the floor. Surfaces in house sticky with crumbs. The dishwasher had not been started by the previous guest because it was broken and would leak on floor when started. We had to hand wash the dishes through our stay. I spent the first 2 hours of our short vacation cleaning the cabin to make sure my mother had a clean area. where we were not worried she could contract a XXXX XXXX XXXX. since on XXXX treatment that could be detrimental. I had spoken with the property manager at the time and was told " that is odd '' and that he will follow up with the owner about the broke appliances. He not once addressed the disarray the house was in. After our stay I called the property manager again getting no where so I called the company XXXX who told me that they cant help me. So my last resort was to dispute these charges for the cleaning fee with my credit card chase under the idea that services rendered were poor or not as described in the listing. Chase said because we stayed at the property instead of packing my family up and driving 3 hours back home they can not help me. After reading the Fair credit billing act its my understanding that I have some sort of recourse for poor service. They dont seem to think so... so I am reaching out to see my next options on getting this handled because my credit card company won't.
Consumer complaint received 2023-01-01
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. (NC)

The company did not remove an account from my report after the creditor/furnisher sent information about an investigation on the account and deemed it to NOT BELONGING TO ME. I have a letter from the furnished stating that they have investigated and found that the account did not belong to me. This letter is from XXXXXXXX XXXX XXXX  and is on letterhead. 

I have attached the letter and the credit bureau needs to completely remove the account from my credit profile immediately and send me a full report and confirmation of this deletion from my profile. 

ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX