davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX I tried to get my free Equifax annual credit report from the XXXX website. It asked me questions that weren't even close to my credit history, so I answered " None of the above '' to each question. I got a reply that they couldn't confirm my identity and I would have to mail them a hardcopy form, with two pieces of ID. This has actually happened to me every time I've tried to get my free report from Equifax ( I've had no problem getting them from the other two bureaus ). So I filled out the form and included a copy of my Soc Sec card and my drivers license. Then on XX/XX/XXXX, I got a letter from Equifax saying they can't find a credit file in their database with the ID info I gave them, and to further assist me they need additional documents verifying my ID, for example, my Soc Sec card and my drivers license!! I tried calling them at a few different " Customer Service '' numbers. All I got was an automated system that ended up asking me 4 questions that, again, weren't even close to my history. In fact, they might have been the same questions I was asked in my online request. I again answered " None of the above '' to each question. I got a response that, because they can't verify my ID, an agent can't assist me at this time. The end. In XXXX, I had to send a hardcopy request ( as usual ), but I did get my credit report. And it looked OK. That was before their security breach. After the breach, I was able to lock my report without problem. So, they could find me then, apparently, but not now. Because they keep asking me questions not even close to my credit history, it makes me wonder what they've done to/with my credit report information. So, I really would like to get my report from them, to make sure my information is correct.
Consumer complaint received 2024-02-13
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XXXX of 2018 a new account was placed on my credit report by Portfolio recovery, llc stating that I owe the {$1400.00} as they are trying to acquire this amount on behalf of XXXX XXXX XXXX. Prior to this another company tried this same tactic as at that time I was unaware that my identity was stole and used to obtain a credit card from XXXX  XXXX XXXX, immediately on receiving this I sought professional help and was advised to dispute this account ( which I did and the account was removed within 30 days of the dispute ) and file for identity theft. Now I have been back and forth with Portfolio Recovery in a plethora of letters trying to dispute this account which was fraudulently acquired in my name, they have been insistent in trying to collect this account and it is damaging my credit which in turn is injuring my chances of applying for future lines of credit, also it has been very costly to be maintaining constant communication via certified mail which cost {$6.00} per letter. I need them to remove this immediately as I have no intentions of paying for an default account which is not mine.
Consumer complaint received 2019-08-31
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)

EXPERIAN -XXXX XXXX XXXX****inaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
-XXXX  XXXX XXXX***Re-aged Date of Last Activity of XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXX***inaccurate High Balance of {$1700.00} XXXX XXXX****inaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

XXXX XXXX XXXX**** ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX, I paid off the remaining balance on my fouXXXX XXXX XXXX XXXX XXXX accounts with XXXX XXXX XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, my FICO score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXXXXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts TransUnion and XXXX to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX XXXX XXXX tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in TransUnion and XXXX Tradeline Payment History XXXX XXXX XXXX 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
XXXX XXXX XXXX Summary Details for Account Status , labels all XXXX XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and TransUnion of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the XXXX and TransUnion XXXX XXXX XXXX XXXX, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXX is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than XXXX payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
TransUnion and XXXX should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next XXXX years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of XXXX.
Consumer complaint received 2021-11-16
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: EQUIFAX, INC. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I received a response back to my prior complaint to First National Bank of Omaha and XXXX XXXX from the office of the President at the company has clearly stated that they are not following their own policies set in place. 

1. XXXX stated the available amount for a balance transfer is {$5300.00} and I was approved for more, which means they never established the type of account I requested. They opened a regular credit account, which is not what was requested. 

2. She states they are subject to their approval. I should not have been approved on an application that was missing information. This is fraudulent account creation when all application information is not complete. 

3. She stated, " If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. '' They did neither, so again, this is a fraudulent account and should not have been created. 

I would like to know when they will be correcting my credit report for the fraudulent account that they created in my name on a partially completed balance transfer form that their agents should have declined or reached back and requested more information. 

Thank you.
Consumer complaint received 2019-10-18
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. (GA)

In XX/XX/2019, I, XXXX XXXX XXXX, disputed an account by XXXX XXXX. I was informed in XX/XX/2019 that the item was deleted from all credit reports and bureaus. In XX/XX/2019, a collection re-insertion by an entity known as XXXX XXXX XXXX has illegally reported the same collection as previously mentioned back on my credit reports and to the credit bureaus. I have NO such business dealings with this company and ask that they provide signtures staing that we have an agreement. I request that the collection item be removed permanently from Trans Unions credit agency effective immediately. as my credit has suffered from this form of identity theft. 
he next step will be to pursue legal action against this entity and the bureaus that continue to report such fraudulent activity.
Consumer complaint received 2019-10-18
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. (NY)

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTERS THEY SENT TELLING ME THAT THEY SOLD THE ACCOUNT. YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE THREE CREDITORS THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Customer paid XXXX by Credit Card to my company, on XX/XX/2019 in three different transactions. One for {$9200.00} the second for {$9700.00} and the third for {$9400.00} for the purchase of mirrors and shipment/insurance by XXXX XXXX, ( shipping comany ) to Alaska. Bank of America who my company uses for Merchant services  considered this fraud and asked for customers address and phone number. Both provided both to Bank of America. Bank of America then asked for customers ID, which my company also provided to Bank of America. 

Bank of America then called my company and spoke with owner and informed him they are putting Merchant Services on Hold for 60 days so they can do more research on the transaction. 

Numerous calls were made to Bank of America Merchant Service Fraud Dept by Office Manager with no answer and no response. Message left by Office Manager asking if we can refund customer. No return calls made. 

On XX/XX/2019 Office Manager for attempted to refund customer on XXXX  and refund was denied. On same day, XX/XX/2019 at XXXX XXXX, Office Manager placed a call to Bank of America Merchant Service Fraud Department, XXXX XXXX at XXXX, he did not answer so she left message for him to return call RE : XXXX transaction. Office Manager also called XXXX, bank representative that helped set up Merchant account. Neither XXXX nor XXXX returned call on XX/XX/2019. 

On XX/XX/2019, XXXX called company and spoke with Office Manager and informed her that Company account has been closed so the {$28000.00} has been placed in a Reserve Account for 90 days beginning XX/XX/2019. Office Manager asked XXXX if we can refund customer so he can pay with another form of payment and XXXX said she can NOT. Customer has paid my company {$28000.00} which has been charged to his Credit Card however my company has not received funding because Bank of America has funds in a Reserve Account until XX/XX/2019 therefore my company can not complete job that customer has already paid in Full due to no funding to complete job. Customer asking when shipment will be placed, has already been a moth. My company is in danger of being sued by this customer if we can not complete job that has already been paid for.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (NV)

Told this company that the account was not mine. They did not respond to my letter. Earlier this year my identity was compromised. This is not my account or debt - it's a XXXX XXXX. Mind you, I currently have XXXX in my name. That is not my account. Furthermore, my letter consisted of me requesting my wet signature on a contract with XXXX XXXX according to the FCRA 609. They did not respond.
Consumer complaint received 2019-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX & XXXX 2019 XXXX XXXX XXXX XXXX XXXX overcharged my credit card. The total amount originally was {$93.00} I immediately contacted them and instead of correcting the mistake that they made they debated it with me for a week and would not budge they took money from my credit card and then gave me a credit for the balance {$17.00} with an expiration date and without asking me my preference and or permission, XXXX automatically applied the credit to my XXXX account instead of sending the credit back where they took it from in the first place, which was my credit card. 
I then called my credit card companies Disputes Department to dispute the transaction and they instead of protecting me sided with the merchant. 

I am a Furious!! please see the attached a screenshots to give proof as to my claim. 

Spoke to : Supervisors @ PayPal Business debit Mastsercharge Resolutions Dept. 
( XXXX XXXX ) & XXXX XXXX XXXX ) XXXX Called XXXX, PayPal XXXX XXXX XXXX got no help resolving my {$17.00} adjustment. 
XXXX XXXX You don't get to take money from people and then not give it back the way you took it that is fraud and outright fever and unacceptable I want my money back on my credit card plus something for my trouble sis been a complete nightmare counterproductive and I don't appreciate this egregious mistreatment!!
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX EASTERN ACCOUNT SYSTEM, Reported : XXXX. XXXX, XXXX Your company have violated FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( 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 ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) 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 XXXX 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 EASTERN ACCOUNT SYSTEM, Reported : XXXX. XXXX, 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I was approved for an amex everyday credit card in XX/XX/2018. I was mislead by being told I would receive a welcome offer. Upon approval I was told that I would not by receiving the welcome offer and that I would be given a {$500.00} Credit limit to start and that I would have access to a higher line of credit after making my first five payments on time. The following is a copy and pasted email from American Express : Pay on time and increase your credit limit American Express logo Hello, XXXX XXXX XXXX Account ending in XXXX American Express Card View Account Make a Payment Manage Alerts Preferences You can earn a higher credit line on your new Amex EveryDay Card. Simply follow the steps below for each of your first five statements : Use your Card. You must have a balance due each month. 
Pay at least the minimum due on time each month. 


To help you pay on time you can set up automatic payments with AutoPay, where you can customize your payment amount and date. You can also enroll in Alerts informing you when your statement is ready and reminding you of your payment date.

Thank you for your Card Membership.

American Express Customer Care Contact Us | Privacy Statement | Add us to your address book Your Card Member information is included above to help you recognize this as a customer service e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via customer service. 



Terms & Conditions 1. You will receive an increased credit limit if you ( a ) have an amount due on each of your first five billing statements, ( b ) pay at least the minimum amount due on those statements by the due date, ( c ) are not past due on the credit report we review at the time we evaluate the credit limit increase, ( d ) meet federal requirements for ability to pay, and ( e ) havent already received a credit limit increase.

2. Your credit line increase will go into effect by the end of the sixth month after your first payment. 



XX/XX/2018 American Express. All rights reserved. 



XXXX It has been over 8 months and I have not yet been given an increase in credit. The people that i speak to are very rude and are not concerned by the fact that I have been lied to. My credit score sits at XXXX with utilization around 20 % income over $ 70K/year with assets around $ 20K. I'm  not asking for a crazy amount of credit. I am just asking that they keep up their end of the bargain. They lied to me about the welcome offer and they are not telling me lies and even yelling at me, and hanging up on me when trying to explain the issue. I am so angry. I feel like I have been completely manipulated and it's unfair.