davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Great American Finance Co (GA)

The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate
Consumer complaint received 2020-08-15
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. (IL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian combined another 's information to my account. I disputed about that and Experian once deleted the wrong phone number and address. However, they added the wrong address ( in XXXX XXXX ) recently. They also add a collection to my account, which directly leading the damage of my credit report.
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (IL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-08-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8100.00}, {$5700.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Consumer complaint received 2020-08-15
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. (MA)

Today, on XXXX, Equifax report a missed payment that resulted in a 19 point drop in my credit score. Upon searching my credit report, there are no missed payments and haven't been for a long time now. My repayment has been impeccable for years. They have not done anything about this and furthermore, no one can seem to find out why this happened. It is deeply disturbing how these credit bureaus operate, without accountability, strong-arming people into purchasing subscriprions, and literally ruining lives with spontaneous, ambiguous score manipulations. These are private business es that literally take advantage of everyone. They operate with impunity and are NEVER held accountable for their actions. Consider this, did you know that once a credit bureau knows that you're applying for a mortage and generally working systematically at paying off your accounts and settling that they unearth your charge-offs and sell them to collection agencies? Yes, and then these collections suddenly pop up out of nowhere asking for money because they figure you have some now and then boom, your score has just dropped yet again because of these newly purchased accounts. And this will continue to happen until you pay off all of your charge offs. Fine, I'll pay what I owe, but a ) the credit bureaus are not being upfront about doing this, b ) it deincentivizes settlement agreements ( and even any payments, really ) and c ) it's super-underhanded, opportunisitic, parasitic, evil, and inconsiderately timed. Not only that but consider poor people trying to fix their lives! Of course, these bureaus make their REAL money off of the agencies they sell your data to, not us. They couldn't care less about us, but they certainly want to act like they do. You think XXXX  is bad, just imagine all the data manipulating that these bureaus have been engaged in for years. Equifax, if you're going to pull this, at least be upfront and at least give consumers a change to pay off some accounts and perhaps furnish them with ways to pay off their charge offs piecemeal, without having to devastate everyone. Try not to keep the poor down. And try not to kill someone's score in obscurity so that they can purchase your memberships. Surely if we were to do the research, it would be those who hold your memberships who experience less arbitrary score drop surprises. Please fix my score- I have no missed payments.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

In or about XX/XX/2018, I noticed unauthorized ( fraudulent ) charges on my American Express Card. American Express refused to correct the errors for a long time, and began reporting my credit as past due and derogatory. I was finally able to get American Express to credit the fraudulent charges but when I went to pay the balance, I was told that American Express could not process my payment because the account was transferred somewhere else. They would not tell me where it was transferred and would not accept payment. But, they kept reporting it negative on my credit report. I made several attempts after to pay it and all were refused. They will not allow me to pay the balance and will not stop reporting derogatory credit on my report. I have asked them to fix the erroneous reporting and they refused. As late as yesterday, I called American Express to resolve the problem. They transferred me to 3 people and would not correct the credit reporting and would not accept payment. Don't know who has the file. I'm trying to refinance my home due to COVID-19 money constraints and can't refinance because American Express won't correct my report and won't even tell me the balance or how to pay it. The derogatory reporting has dropped my credit score over 70 points. Please help.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CA)

I received a U.S. Bank ReliaCard debit card in the mail. I have not been able to contact the U.S. Bank ReliaCard division, as they do not answer the phones. The card seems to be related to unemployment benefits ; however, I am not unemployed, nor did I apply for this card. My name on the card is spelled incorrectly. I contacted U.S. Bank and was told the ReliaCard is under a different division so they could not help me. They did not have the telephone number for ReliaCard as it is listed on the information I received. There seems to be some fraud taking place and I would like to sp eak to someone to have this resolved.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I was charged the following interests in the past several months {$0.00}, {$1.00}, {$85.00}, and {$64.00} during COVID-19. I was charged even though I paid full balance on my account. I contacted customer service and was told interest charges can not be refunded since I previously had interest fees reversed in 2019. However, during 2019 I had SRCA and the interests were an administration error that was later fixed. I have completed paid the full balance on the account.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ADP Inc. (CA)

On XX/XX/XXXX, someone tried to impersonate my name and emailed my Payroll Admin to change my direct deposit info and provided the new routing and account information. Sadly, my Payroll Admin lacked the security awareness and did it by quickly fulfilling the request without personally confirming with me about the information change request. 

On XX/XX/XXXX, upon logging into my ADP employee self-service portal, I noticed that my direct deposit account had been changed to an unknown account ( fraudulent one as follows ) and the following payroll dated on XX/XX/XXXX was wired to that account. 

Fraudulent Account : Routing Number : XXXX Account Number : XXXX
Consumer complaint received 2020-08-15
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. (TX)

To avoid any unnecessary delay tactics from Equifax, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Equifax believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Equifax   is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Equifax credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Equifax accountable and not let them delay solving the real issue here.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (KY)

I opened an account with US Bank in 2015, when I first started college. Sadly, school taught me everything except financial literacy. I admit I was oblivious to the gravity of the situation I was in. I was taking out loans to go to school but still struggling to make it, so I opened a credit card with US Bank. After 5 years of accrued interest, the account was closed. There was a balance left of {$940.00} out of a {$1000.00} credit limit.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion for months was billing me for a service they had blocked me from about 2 years ago. After filling a complaint with cfpb the finaly coincided and canceled service and was suspose to refund my prior billing charges. Its XX/XX/XXXX, no refund has been received from Transunion at current date. In previous complaint they sent the following reply below. 

Transunion, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, on XX/XX/XXXX you enrolled into a service provided by TransUnion. With this service, you were billed {$14.00} per month from XX/XX/XXXX through XX/XX/XXXX. Per your request, we have cancelled the auto-renewal of the service. As you have already been billed for this month, the service will still be accessible until XX/XX/XXXX. We regret any misunderstanding that may have occurred. We have issued you a courtesy refund in the amount of {$290.00} back to your credit card for charges incurred from XX/XX/XXXX through XX/XX/XXXX. Refunds generally take three to five business days, but may take up to 30 days depending on your banks policies. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at ( XXXX ) XXXX, XXXX, XXXX XXXX - XXXX XXXX ET or Saturday-Sunday, XXXX AM - XXXX PM ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.
Consumer complaint received 2020-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

Firstly, National Credit Systems Inc. reported a collection of {$5500.00} to my XXXX account. I totally don't know this collection, it doesn't belong me. I disputed in XXXX and called National Credit Systems Inc. for this issue. National Credit Systems Inc. asked my information including SSN and address, and said that I don't need to do anything except ignore this wrong information. But several weeks later, I received a letter from National Credit Systems Inc.. They asked me to pay this collection. I called them again and they said that the collection is not mine, and this letter send to me by mistake. However, National Credit Systems Inc. reported this collection again to XXXX, XXXX and XXXX after the call. I need to dispute again and again to delete this collection. I suspect that they defrauded my personal information and updated it to the collection. it caused me to fail in the XXXX   dispute. Their behavior damaged my credit, directly causing two extra hard pull, failure to apply apartment and credit cards.
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On Tue, XX/XX/2020, XXXX XXXX Website Generator XXXX wrote : If you want to jump start your success online, we have a special one-on-one consultant for you. 
Just call this number to speak with your personal mentor. XXXX XX/XX/2020 I called and me and the consultant decided that I need a refund for {$48.00} & {$100.00}, because there is no app and the story about XXXX in the living room building the website that would later become automated to 300 people was false and/or misleading. And because my credit score is Very Poor. Also payments show as initial payments, please cancel any and all subscriptions or automatic billings. 
Yesterday, XX/XX/2020 I received a charge for XXXX from " XXXX '' for " XXXX XXXX XXXX '' for {$97.00} & {$3.00} Contact Info : XXXX XXXX to XXXX XXXX Santander Bank CSRs are claiming that this purchase was made on XX/XX/2020 and related to dispute claim XXXX. I didn't buy anything from XXXX or XXXX XXXX XXXX. And I have not received anything from Website ATM, XXXX, or XXXX XXXX XXXX. 
I would like this dispute resolved as soon as possible. 
I want to know who Santander Bank claims Department spoke to and what they are claiming that they sold to me. 
Otherwise these are scam charges that I want to dispute.
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (NV)

This complaint is against Experian. 

Over the course of the past 90 days I have made a series of attempts to resolve reporting issues regarding an old XXXX XXXX account XXXX. I recently pulled a copy of my annual experian credit report, and found inaccurate data was being reported regarding this account - it appeared the date of last activity and type of account was improper.I submitted a written dispute to Experian via mail, on XX/XX/XXXX I received notification the account was updated and results were available. While Experian did properly update the account type, Experian updated the account to show it is a new account, and more over, a newly delinquent account. Experian re-aged this account which is illegal. I have signed up for multiple third party credit monitoring services, and Experian is reporting the account the account now as actively delinquent, stating I have a new 30 day late missed payment now consecutively each month. My credit score is dropping each month due to Experian re-aging this account, and further reporting new 30 day lates each month. I have contacted the data furnisher XXXX XXXX, whom states they can not offer any solution and that I must address the issue with Experian. I have written Experian multiple times and going past 30 days I have received no response. I have tried to call Experian customer service, however due to Covid they are not taking phone calls at this time regarding this matter. This account in question, was an account included and discharged in a Bankruptcy in 2018. There should be no question as to the fact that the account has a XXXX   balance, and additionally can not suddenly become actively delinquent 2 + years after having closed and included in a bankruptcy. I have asked numerous time to have the information corrected or the account removed from my credit report. Experian is damaging my credit score as a consumer. I recently applied for an auto loan, and was denied by the underwriter due to a newly delinquent trade line on my report. I have had to ask for reconsideration due to the fact I can prove the account was included in a bankruptcy petition and is not delinquent, however even at that point, this inaccurate reporting has caused my credit score to drop significantly, so I am now in a credit tier in which I will be subject to a much higher interest rate - which costs me as a consumer more money due to Experian 's negligence. 

Please help me resolve this issue. Each month my score has dropped to due this matter, and I am afraid as a consumer this will continue for an indefinite period in which I will have to obtain costly legal counsel to resolve their wrong doing.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a capital one platinum card and recently found fraudulent transactions on the account. The rep i spoke with closed the account and I'm having to wait 7-10 days for a decision to have it reopened. I was not told the account was going to be closed or did I receive an notification that this had happened until i looked at my bill again and noticed additional fraudulent charges and call back. Please help me to get my account reopened
Consumer complaint received 2019-02-05
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. (FL)

TransUnion Report XXXX/XXXX - XX/XX/XXXX - XXXX, IL XXXX   XXXX XXXX XXXX - XX/XX/XXXX- XXXX  , LA XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX  , LA XXXX XXXX - XX/XX/XXXX - XXXX XXXX , CA XXXX XXXX/XXXX  - XX/XX/XXXX - XXXX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX , OH XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX , UT XXXX  I spoke with customer service and they would not take care of it. Please help me get this resolve.

Thanks,
Consumer complaint received 2020-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This complaint is regarding Tranunion and it's reporting of my mortgage account with XXXX XXXX  XXXX XXXX XXXX. I have submitted countless disputes regarding Transunion reporting of my First Date of Delinquency. They have continuously changed the First Date of Delinquency. THIS DATE DOES NOT CHANGE. It is the marker for the seven year count. XX/XX/XXXX was the First Date of Delinquency with the XXXX XXXX XXXX XXXX XXXX  and their reporting reflects that information. I continued with uninterrupted late payment through XXXX of XXXX. In XXXX of XXXX I met the seven year mark therefore XX/XX/XXXX and all the following uninterrupted sequential late payments should have been removed. 
With my last dispute Transunion changed my First Delinquency Date to XX/XX/XXXX stating their decision was based on the Statute of Limitations. Please use some commonsense when reviewing this decision. If late payments are coming off of my report because they have met the seven year mark, ALL THE LATE PAYMENTS ARE TO BE REMOVED. This is based on the Federal Fair Credit Reporting Act. If you are not familiar with the FCRA, the Date of First Delinquency and the removal of sequential late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT. You are in violation of law by not reporting this issue correctly and should now consider yourself on notice. I have attached a letter from the XXXX XXXX XXXXXXXX XXXX XXXX reflecting their disapproval with your reporting of the information they have provided you.