davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have credit monitoring service with Experian. The member # is XXXX. I have no lates since my Chapter XXXX filing XX/XX/XXXX. All lates according to Experian 's XXXX XXXX show pre filing. The monitoring service on XX/XX/XXXX modified the time since negative from XXXX years to .1 years. this caused my score to drop XXXX points from XXXX to XXXX. Saturday XX/XX/XXXX XXXX. This is negatively affecting my credit worthiness and is in violation of FCRA. THe time since negative used in their scoring model of .1 years is wrong as is the 6 lates that is related to 1 account and is almost XXXX years old and they refuse to correct the only 1 account late. THey feed the creditors time late 6 in last 2 years which is also incorrect. This is negatively affecting me and Experian refuses to correct these errors with the scoring and monitoring service.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-03-16
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. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-01
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: Experian Information Solutions Inc. (NY)

Always XXXX with XXXX XXXX is rude and ignoring my investigae. Yes XXXX with this back XXXX XXXX XXXX like me. 3 years ago put negative late payment right now this same problem why. XXXX bank like put negative for XXXX hard works people like me. XXXX No call me not recive leater why. Banksters like denied credit like me becouse am XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-04
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Consumer complaint received 2018-09-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America had misused of my XXXX credit file. I disputed the account several times that has been way over 30 days. The account should had been removed. 
Account Number XXXX The misused of Credit file by reporting the account on faults dates. The account date closed that changes back and forth from XX/XX/XXXX to  XX/XX/XXXX repeatedly and changing Closed account to N/A to closed repeatedly. Reporting the account too many time in a month specially during a dispute re investigation. Dispute re investigation lasted more then 30 days from XX/XX/XXXX to XX/XX/XXXX. When BOA received the documents of proof of misused of credit file. I received a letter several days ago saying the account is reporting correctly. Another words the damages and the misused of my credit file is ok.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I was referred to the American Express Platinum card by my son in law, who speaks so highly of American Express. I applied for the card and was approved. I learned later on the same day that the card carries an annual fee of {$550.00}. Upon receiving my Platinum card 2 days later, I called American Express to have my card converted to an American Express Green Card ( which has a promotional offer of {$0.00} 1st year annual fee and then {$95.00} thereafter each year ). I was told that I am not eligible for any promotional offers on the Green Card since I am downgrading the account. I explained that I am new to American Express, my Platinum account was opened lass than 3 days ago, I hadn't used my account yet, and felt it was unfair. I was told the the all of my promotional offers on the Platinum account will be null and void ( which I agree with since I was downgrading to a Green Card ) ; but I was also told that all promotions on the Green Card will be unavailable. The promotion for the Green Card is : 1 : ANNUAL FEE : The American Express Green Card will have a {$0.00}  introductory annual fee for the first year of Card Membership. Also, if you add an Additional Card to your account at the time of application, you will not be charged an annual fee during the first year of the Card account for such Additional Card and any other Additional Cards up to 5 in total. After the first year, the annual fee for the Basic Card will be {$95.00} and the annual fee for the Additional Cards will be {$30.00} for up to 5 Additional Cards. If you add an Additional Card to your account following your Basic Card application, you will be charged an annual fee of {$30.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Cards is {$30.00} for each Card. 

2 : In addition, at the time of approval for my Platinum Card, there was an offer for the Green Card that allowed me to obtain XXXX Membership Reward Points if I spent {$500.00} within the first 90 days. 

I reviewed the Terms and Conditions online : XXXX : XXXX # offer-terms There is nothing in the terms and conditions which states if I downgrade my card, before using the card, I will not be allowed to take advantage of promotional offers on other products I might choose to downgrade to. I am being forced to lose all promotional offers or continue with an account that has an annual fee of {$550.00}. I should have the freedom of choice without sacrificing promotional offers advertised to the rest of the world.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am following up my previous complaint today in regards of being a victim of fraudulent activity. Let me repeat that, pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

Sold my house and new owners did not transfer gas bill. I moved from XXXX  to XXXX  and never received any payment due. Did not know I owed until it showed up as derogatory mark on credit report. The bill is only {$100.00} and I don't mind paying as long as the mark is removed from my record.
Consumer complaint received 2018-09-01
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. (FL)

XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the snapshot devices.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (CA)

This company calls repeatedly and never leaves a message. 

When I called back, they refused to identify whom they are collecting for or what I supposedly owe. They are rude, threaten legal action, credit destruction and wage garnishment. When I said Im on Social Security, they told me it didnt matter. 

Any outstanding debt I had has been dealt with.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX account # XXXX 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 I want this removed immediately off my consumer report or I will inclined to take this matter to Federal court.
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CB1, Inc. (MT)

In XX/XX/2019, I received a phone call from CB1 Inc., in the conversation they stated that they possessed a debt of mine but have discussed the matter with my ex and she agreed to a payment plan with my ex. I stated that if anything changed to notify me but that my ex had the mail forwarded to her new address. They stated that they would mail everything to my current address even though the mail was being re-directed.

I didn't hear anything ever again from CB1. CB1 maintained contact with my ex ( not the account holder ). They never contacted me ( the account holder ) again even after my ex defaulted on her payment arrangement with CB1.

I found out what was going on by reviewing my credit report. Once I knew what was going on, I sent a debt validation letter and requested for all derogatory marks on my credit report be removed until this could be properly validated and handled. CB1 refused to take appropriate action and to follow the required instructions per the FDCPA. The attorney for CB1 has lied on multiple occasions and has attempted to XXXX me into doing what CB1 wants without CB1 taking appropriate action. 

I have filed a letter disputing the debt but have not received a response.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (TX)

In XX/XX/2018, I called Sears for repair on the windows that I had purchased with a lifetime warranty. A technician came out to assess the repair needed o the windows, at that time I paid {$100.00} for their first house call and then later in XX/XX/2018 they e-mailed me to pay an additional {$150.00} to order the repair parts for the windows. In XX/XX/2018, a technician came out again, he didn't have the part to fix the windows and that he would be back, now the end of XX/XX/2018 and he has not returned. I have called several times to include today XX/XX/2018. I was not hold and then transferred to another customer service clerk, which never answered. I can not open my window since XX/XX/2018. Can someone please contact me to get this issue resolved? I m an XXXX yr old woman and {$250.00} with no repair or results.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I visited the Bank of America branch on XXXX XXXX XXXX on XX/XX/XXXX around XXXX. I asked an associate, believe her name was XXXX based on the survey I received after my visit, to increase my ATM withdrawl limit. She did that. I withdrew money ( {$850.00} ) and left. 

Later that day I get an email ( attached ) form Bank of America that welcomed me to their Preferred Rewards program. I never signed up for this program or was even told about it during this visit. 

I called up the central BOA customer service number after getting this email and they confirmed the associate I spoke with entered me into this program. 

I actually was asked earlier in the month by a different BOA associate at a different location if I wanted to enter the program but I declined because of balance minimum and potential fees for being below the minimum - I knew I would be below the minimum shortly. 

The BOA customer service rep took me off the program and supposedly started a process to alert management. But was not able to provide any color as to what happens from here. 

If this happened to me it can be happening to other Bank of America customers. This should be investigating and BOA should be stopped.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX account # XXXX 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 I want this removed immediately off my consumer report or I will inclined to take this matter to Federal court.
Consumer complaint received 2022-07-10
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. (AL)

To whom it may concern, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not in error, nor is my request to block bring made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 
1. All inquiries 2. XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX 3. XXXX XXXX XXXX XXXX | XX/XX/XXXX 4. XXXX XXXX XXXX, XXXX  | XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX | XX/XX/XXXX 6. XXXX | XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

Today ( XX/XX/2018 ) I received a letter from Chase regarding my XXXX credit card account. The letter said, " After careful consideration, we closed your credit card account on XX/XX/2018, because our affiliate is ending their banking relationship with you. You may receive additional account closing notifications if you have other impacted accounts under a different name or address. '' I do not have any bank accounts, mortgage, etc. with Chase and no other banking relationship with any other bank has ended. I have an excellent credit score and have always paid my bill on time. Every other bank has never had a problem with my accounts and all are in good standing.
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center (NY)

Of the several bills in dispute, most were paid. I agreed verbally to XXXX XXXX to pay charges of XXXX and XXXX in installments, and did, in fact make payments of {$120.00} and {$170.00}, respectively, on the bill-pay site given to me by this representative. In doing so, I discovered an un-billed amount of {$440.00}, and I contacted her again, by e-mail, asking to have a bill sent, in order to ascertain the nature of this un-billed, and therefore unknown amount. She again agreed to send the bill, but it was not received. I called another time to ask about this amount, and was told I would be receiving a bill. I have yet to receive any bill in the amount of {$440.00}, but have since received a letter from a bill collector, claiming to collect on original amounts of {$920.00} and {$370.00}, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, even after I made the aforementioned payments to XXXX and XXXX on the bill-pay site indicated by XXXX XXXX XXXX asked AGAIN for the {$440.00} bill, and even made another {$100.00} payment on the original {$370.00} amount ( reducing it to {$200.00} ), in a show of good faith- which I so stated to this representative, who on this latest occasion began to talk over me in a fast manner, forcing me to allow her to finish before I could begin to explain that I had already begun making payments AS I HAD AGREED on our previous call. There was no reason to place any of these amounts in collection status because I had already agreed to pay them, they were in active payment status, and I had actually made payments on the amounts for which I had already received bills. The only amount I did not touch was the {$440.00}, but I had never said I would not pay it - only that I had yet to receive any bill in that amount, and would not pay it until I received such a bill- which was promised to me on two occasions, but which never happened.