davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

Hello, I have a Discover Credit Card. I made a payment from my XXXX XXXX account for {$500.00} in XXXX of XXXX. I have used this account in the past with success. I initiated it through Discover 's mobile app. By the end of the month, the payment never reflected in my balance, but instead there was two " Returned Payment '' Fees. The money was for sure taken out of my XXXX account and never returned, and to this day Discover claims that I did not have sufficient funds ever. 

I opened a dispute with Discover and filled out their standard documents asking account numbers and explanation. I also provided them with multiple bank statements showing it left my account and never returned ( attached here also ). I did this for my XXXX statement for when the payment was initiated, but also, all the way up to XX/XX/XXXX. There was never a returned payment of {$500.00}. 

Eventually they closed my dispute for " not providing sufficient documentation '' even after posting all my statements and filling out their documents. This was late in late XXXX. I continued to call and they requested personalized letters from my bank to say that my payment cleared - but XXXX does not make personalized letters. I got to Discover 's payment department only twice since opening the dispute, and when they get to a point where I point on their balances, they say that they " need to look into it ''. They have hung up on me twice after I clarify that they've been there for months. 

As of XXXX, I called recently and they said " this is a XXXX case, and it is closed indefinitely. '' It seems that everyone I talk to now has no urgency whatsoever. I have thorough case notes on this Discover dispute that express I should be handed over to the payment department or manager immediately, but everyone has to start from the beginning each time I call and it's been no help. It feels like they are doing almost no investigation work since it seems each agent is stunned that there's tons of documentation despite the case being closed due to " insufficient documentation ''.
Consumer complaint received 2020-03-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-10
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: ID Analytics, Inc. (FL)

on XX/XX/2020 I received a letter from XXXX XXXX stating that my car loan was denied due to the fact that my credit was pulled from SageStream LLC, a company I have never heard of and I am concerned that they have all my information in their system. The 3 credit reporting agencies and bureaus that I trust are the 3 well known ( XXXX, XXXX   and XXXX  ). To my knowledge, these are the only reputable and valid credit bureaus. 
My credit score through XXXX is XXXX which is considered excellent. However, Sage Stream gave me a credit score of XXXX through their system which affeted my ability to get the loan approved.This is faulse information being circulaed about my credit history and score. 
My concerns are as follows : 1- I am not comfortable with having a random company that claims to be a credit reporting agency to collect and share information about me. 
2- The information that is being shared with the lenders is faulse and does not reproesent my credit history accurately.

3- I would like SageStream LLC to remove my information from their system as I believe it vilolates privacy rights and it also gives faulse and inacurate information about my credit that contradicts what the 3 major credit bureaus ( XXXX  , XXXX  and XXXX  ) credit score says about me.

4- Sage Stream LLC is providing inaccurate credit scores about consumers which results in loan denials or loan approvals with very high interest rates.
Consumer complaint received 2020-03-30
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)

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-04-25
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

1.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Please supply information on how you have verified this item. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX 7.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I contacted, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

While traveling in XXXX with my wife, I needed to send funds to her so we could pay for her hospital bills the totals of which are more than {$20000.00}. On XX/XX/2021 I received a letter from JP Morgan Chase requesting me to contact them because they needed information from me to keep my account safe. After contacting them, they told me that there was nothing I could do but that my account had been terminated after nearly 18 years of being a customer of JP Morgan Chase. 

JP Morgan Chase froze my account, blocked my cards and locked access to my account and they left me stranded in XXXX without access to more than {$100000.00} of my money- all while my wife is in the hospital requiring XXXX  which I can no longer pay for. 

They sent me a letter saying I hadn't provided them with any information they requested - when they didn't request any information. They said, give us information and we " may '' be able to keep your account open - but when I called Chase to talk about it they said the account was already closed. 

The emotional stress of not being able to eat, pay for a hotel or my wife 's hospital bills for XXXX is insane. I can't sleep and have a hard time eating while JP Morgan Chase left me penniless in a foreign country without access to a substantial sum of my money. 

JP Morgan Chase shouldn't be allowed to simply freeze a person 's account because they are XXXX  about XXXX. I grew up in an America where people had the right to life, liberty and the pursuit of happiness. How they can simply close an account after 18 years and leave a person stranded just goes to show how awful they are.
Consumer complaint received 2020-04-10
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. (HI)

Case no : -Incorrect reporting on credit file. 

This is with reference to my XXXX credit card -Act. # XXXX and also with reference to last four digit card no XXXXi have send few letters and called also several time, with reference to the incorrect reporting about late payment for XX/XX/2019, At that time also I explained why it was not correct and when I contacted the member service for the payment, they advised that its not going to affect my scores and it was well within the pay period date. I also told by Customer service later that they have send communication to reverse when I contacted on XX/XX/2019.but nothing happened after that Also the online payment facility was blocked and my direct payment didnt go through which has created more of a problem, As result, I am facing consequence of the same and it is still showing on my credit history and this is very negatively effecting me and my current situation May I kindly ask you to please check and revert back, the in correct remark on my credit file and help clear the late reporting on XX/XX/2019
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

I paid off the majority of my credit card : Freedom from Chase. I have never had a late payment with them. As soon as the pandemic for Cornavirus hit, Chase decided to reduce my credit limit drastically. I have not used my credit card, but this has damaged my debt to credit ratio drastically. According to Chase they reduced my credit limit from a credit report that was pulled on XXXX XXXX, before the pandemic. They decided to reduce my limit until I paid it off and the pandemic hit.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (DE)

Federal government said there will be no more interest rates do to covid-19 but my bank Wells Fargo is still charging interest and I even asked them why they still charging interest if the federal reserve and federal government said no interest rate do to covid-19 they told me they havent heard anything about that I told Wells Fargo its all over the news and internet and I told them my wifes credit cards from her bank and other credit cards she has they sent her a letter and it said there will be no interest rate so to covid-19 so why is Wells Fargo still charging people and everybody else bank is not
Consumer complaint received 2020-03-30
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)

I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these accounts.
Consumer complaint received 2020-03-30
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. (RI)

This complaint does not really fit the criteria I selected. Options available do not really reflect my complaint. On XX/XX/XXXX, Experian sent both my husband and myself separate e-mails reporting our credit scores had dropped. My score dropped from XXXX to XXXX while my husbands dropped from XXXX to XXXX. I reviewed both our reports and can see no reasons as to why the scores dropped. The only comment on the report is that both our credits reports are " thin ''. 
My husband is XXXX and I am XXXX. We are both retired. In the past we had a mortgage, car loans and school loans. Before I retired XX/XX/XXXX, all of these were paid off. I do not understand why our scores dropped because we were wise paying off our debt before retirement when our income would become fixed. I am concerned because my state allows insurance companies to use credit scores to assess the risk of insuring an individual. A drop in our scores could trigger our insurance carrier to reassess our risk and raise our premium. I have attached 2 word docs with screen shots from Experian for my husband 's and my credit file.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not receive no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: First Credit Services Inc. (WA)

Received on XX/XX/XXXX a letter in attempt to collect a wrongful debt from { first credit services , inc } on behalf of their client XXXX XXXX XXXX XXXX XXXX or ( XXXX ). XXXX could not provide any accurate information or confirm the validity of the initial signed agreement for the product which was a certification coarse totaling in the amount of {$2600.00} in which is trying to be collected. A social security number was not obtained to purchase this product and neither First credit services nor XXXX itself can validate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 was not properly disclosed by the company of this debt or associated with thereof.
Consumer complaint received 2021-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My old mortgage company XXXX XXXX switched me over to Freedom Mortgage on XX/XX/XXXX and when I logged on to my portal with Freedom Mortgage I noticed that my account is in Active Loss Mitigation. I called them on XX/XX/XXXX to ask them why was my account in active mitigation and they told me it was because my previous Mortgage company XXXX XXXX sent them my loan over with me being in the COVID forbearance program, '' which I wasn't and never in ''. After they looked at the paper work they notice that the Covid forbearance program was dated XX/XX/XXXX through XX/XX/XXXX and that they will remove it from my account by XX/XX/XXXX. When XX/XX/XXXX came I logged on my Freedom Mortgage account and noticed that it have not been removed. So I called Freedom Mortgage again on XX/XX/XXXX and I was told that it has been removed that they just have to update the computer systems that's why its still showing loss mitigation. Then I called again I believe on the XXXX and then I was told that it was never even put in the system to be removed and that now they put the ticket in to be removed. I spoke to XXXX that day and she was very rude, I spoke to the supervisor about her that day also. Then I was told another date XX/XX/XXXX that it will be done and removed. So on XX/XX/XXXX I checked my Freedom Mortgage online portal and my account is still in Active Loss Mitigation. So I call again and this time they don't give me a date they tell me it will be removed in a couple of days. I also emailed the Loss Mitigation department twice once on XX/XX/XXXX & XX/XX/XXXX about this situation and I never gotten a reponse. Now it's been over a month and it still has not been removed from my mortgage account. I never missed a payment before and I never enrolled into the COVID relief program so I do not know why my account is in Active Loss Mitigation and Freedom Mortgage is not removing that status from my account.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I opened Amex Hilton card in XX/XX/2020 and upgraded it to Amex Hilton XXXX XXXX in XX/XX/2020, which includes a benefits of {$250.00} XXXX XXXX credits for each membership year. From my understanding, the membership year begins in XX/XX/2020 but Amex states that the start point is XX/XX/2020. The condition for the Hilton XXXX card states " Your first reward year begins on your account opening date. '' which doesn't clarify the meaning of the account. Since this is the terms and condition of the XXXX card, it's naturally to think the account stands for the Hilton XXXX credit card account but not the Hilton credit card account. American Express didn't provide any explanation or reminder of the expiration date of the credits and refused to recover the credits for the customs.