davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I have a bankruptcy filed onto my personal credit report dated back to XX/XX/2012. My husband must have filed without my knowledge or I was told that it could have been that when he filed my name was attached to accounts included. He takes care of all of the debts and I was unaware of the bankruptcy. I tried to get a credit card from XXXX XXXX and I was informed that they would not allow me to get one because of the bankruptcy. I tried to dispute it and the bureaus would not remove it. I even reached out to the courthouse and they sent me back a letter stating that they are not reporting the item. They attached this website to proceed with a consumer dispute. The odd thing is that my husbands credit report does not show he filed for a bankruptcy and I am the one that has never had any debts or credit. My credit report reflects this. The credit bureaus informed me after submitting the courthouse document through XXXX that the item was deleted. Then, on the website it alerted me that the bankruptcy was re-instated. I also submitted a document from the XXXX XXXX. The XXXX requires new and existing public record data to meet certain criteria in order for them to appear on your consumer credit reports, including : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. On my credit report it is not showing the required information from the courthouse reporting it. There is no name, no address or records. I will attach : Letter from Courthouse, XXXX laws, Proof that nothing is reporting on the report as required and that they deleted and re instated the item without informing me. I am not responsible for the Bankruptcy and it does not show required information by law. ( there is no balance attached to the reported bankruptcy ) It has a {$0.00} balance and the credit bureaus have not complied with any of the laws. Also, by law the credit bureaus must inform you that they are re-instating an item and the bureaus did not do so. None of the laws have been complied with, yet, I still have the item on my credit reports.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Citibank Credit Card Company : 1. Encouraged me to change to paperless statements. 
2. Encouraged me to enroll in auto payments. 
3. After a year, ceased pulling my auto payments without notifying me. 
4. Closed my other accounts without notifying me, although still pulling the auto payments for those. 
5. Made it impossible for me to view my info online. ( Lockes me out ) 6. After an exceedingly long wait ( 60+ minutes ) on hold, the customer service rep disconnected me when I called to attempt to have paper statements sent to me. 
Help me!!!!!!
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On my credit report i have many accounts that were closed, but these accounts are very old from the early XXXX 's and its been far pas XXXX years where they should have been deleted. I would like to have them deleted cause they are having a negative impact on my credit report.
Consumer complaint received 2019-09-20
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. (WA)

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2018, my TD Bank debit card was charged {$84.00} by XXXX XXXX in an unauthorized transaction. 

I immediately messaged TD Bank and asked them to deny the transaction and credit me the debited amount. 24 hours later I was messaged that I was required to go to a TD Bank branch and file a " Form XXXX '' I asked TD Bank to fax or email me the form to fill out ; they messaged me " no can do. '' I explained that I live 50 miles from the nearest TD Bank branch and that I am unable and unwilling to drive that distance. 24 hours later I was messaged to call the phone number to have a customer service person fill out the form for me. 

I tried calling the TD Bank phone line but on each of several attempts was told " the hold time is in excess of ten minutes. '' After my first hold went 20 minutes I hung up and messaged TD Bank again with this complaint. 

I have been a customer of TD Bank for many years. Although the folks who messaged me were in every way polite and respectful, they insisted this is the only way to dispute a transaction. Interestingly, XXXX XXXX has a link on every transaction to dispute it. 

I am still without the {$84.00}. 

Thank you for your help.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HUNTINGTON NATIONAL BANK, THE (KY)

I received an email notification from Huntington National Bank on XX/XX/2019 indicating that my credit limit on my credit card was being decreased. The email provided no further explanation, other than I would " receive a notice with more information by mail in the next few days. '' I have yet to receive said notice in the mail. 

I checked my account online and indeed confirmed my credit limit was reduced from {$24000.00} to {$21000.00}. The account has a {$0.00} balance. 

When I called to inquire, the representative informed me the change in credit limit was due to an evaluation of my FICO score, credit history, and relationship with the bank. I requested the limit be restored and was denied. I was also told it could not be re-evaluated for 6 months. Fearing that something was wrong with my credit report, I checked it immediately. 

My FICO score is XXXX. My credit summary shows I'm currently using only 4 % of my available credit, of which {$110000.00} is currently available. There was no unusual activity on my credit report. No changes or discrepancies. XXXX missed/late payments. Ever. My annual income of {$200000.00} remains unchanged, and I have weekly deposits directed into separate checking and savings accounts with Huntington National Bank. 

So, I have been unable to discern any other valid reason for the reduction in credit on the account, other than the card has a {$0.00} balance and I haven't used it for a purchase in at least 6 months. 

I called back a second time to dispute the reduction in credit limit and request a restoration to my original credit limit of {$24000.00}. I was again denied, and was dismissed by both the initial representative and subsequently, her manager, to whom I was transferred. The manager also refused to provide a copy of the bank 's decision criteria when requested.

I believe the decision to reduce my credit limit was unfounded, arbitrary and unfair on the part of Huntington National Bank. Please consider this submission as my formal complaint against Huntington National Bank.
Consumer complaint received 2019-07-10
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: JPMORGAN CHASE & CO. (GA)

I have owned a Chase Ink Business Plus credit card for approximately 10 years and have been earning Chase Ultimate Rewards points during that entire time. When I went to check my Ultimate Rewards balance yesterday, I was denied access to the site. When I called Chase, they informed that my account was associated with a " government entity '' ( it is NOT ), and they therefore removed me from the Ultimate Rewards program. I was NEVER informed that I would be removed from Ultimate Rewards, so over the last 3-4 months I spent approximately {$10000.00} on my Chase Ink card with no rewards in return. Chase also proactively liquidated my rewards account. 

When I asked why this was done without informing me, the agent referenced a change of terms notification I received in XX/XX/XXXXthat would have informed me of this action. The change of terms notification, however, did no such thing. No mention of government entity, rewards, etc. When I asked to escalate the case to resolve it, I was told that it was too late -- I missed the deadline. Yes, a deadline I was never given. 

I believe this is a violation of UDAAP and potentially other regulations. I was misled into doing my spending on this credit card in return for rewards and have not been issued the rewards I deserved. 

Alas, my research indicates others have experienced this same issue with Chase.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I signed up for Experian XXXX ; an on-line program that allows a consumer to pay {$14.00} to Experian and that allows a specific company with which the consumer wishes to conduct business to view the consumers credit rating info for free. 

I signed up ; my prospective tenant signed up ; she has paid the fee and when I log-in and press the " View Report '' tab ; the website states that Experian needs to verify that my email address is valid ( which you would thing they already know when I signed up and they sent me emails ). To do so, they will send me an email for me to then access their verification program ; after which I can then see my prospective tenant 's credit report! 

All that is fine except they NEVER send me the verification email and yes I have checked my Spam/Junk Email folder as well on multiple occasions for the last few days to no avail. 

On top of this ; try contacting Experian to either type, chat, or speak with an agent to resolve this matter! If you reach anyone ( surely no one with XXXX will speak with you because you can't get a phone number for XXXX ) they tell you it's an on-line part of their business and they can't help me! 

Please, just open your browser and type in Experian .anything! Contact Experian, discuss a problem with Experian, speak to someone at Experian, whatever and you will NOT be able to do so. 

They do want your SS # and zip code : why??? I am not looking for my credit report but even after giving it out, no human or any other option exists. Sounds easy? Try it! 

So they have tons of email accounts and on-line programs to seduce you into signing up for their services but never give you a method to communicate with them. 

I just want to see my prospective tenant 's credit report on Experian XXXX and they will not even communicate with me!
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/2-19, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. Capital One is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. XXXX has not raised my credit score accordingly. 
All consumer fraud and violations of FCRA.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

XX/XX/XXXX, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. XXXX  XXXX is missing XX/XX/2019, andXX/XX/2019. 
2. Credit Acceptance Corp. is missing XX/XX/2019 and XX/XX/2019. 
3. Credit Acceptance Corp has been paid in full as of XX/XX/2019. 
3. XX/XX/XXXX has not raised my credit score accordingly.

All consumer fraud and violations of FCRA.
Consumer complaint received 2019-03-12
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. (OK)

Ive disputed a couple things on my credit report on XX/XX/XXXX and here it is XX/XX/XXXX and they still didnt removed it nor proved that it was mine
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CapitalOnerefusedtoforceXXXXltoreimbursethemforachargeonmyaccountandthencreditmyaccountforthechargeof{$170.00}backonXX/XX/XXXX,afterIcancelledtheservicesbutwasn'tprovidedwithproofofdoingso.AndXXXXdidnotshowdocumentationthatIdidnotcanceltheservice.Therefore,itwasCapitalOne'sjobtoprotectme,theircustomer,andtreatthisasafraudmatter...Butofcourse,sinceCapitalOneisafraudthemselves,theywereinfavorofthemerchant...
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

1 ) My escrow account prior to XX/XX/2019 has balance of {$1400.00}. After XX/XX/2019 escrow analysis, a surplus of {$160.00} has been calculated by Mr. Cooper. 
Mr. Cooper has documented no increase in property taxes. 
After escrow analysis, the monthly mortgage payment has increased from {$680.00} to {$700.00}. 
Based on the surplus, my monthly mortgage payment should have decreased. 
2 ) As recorded by Mr. Cooper, Mr. Cooper has applied to my mortgage account lender paid expenses chargein the amount of {$370.00} dated for XXXX. 
Mr. Coopers breakdown of the charges are as follows : Properly Inspection : {$15.00} Legal Fees : {$280.00} Maintenance : {$75.00} Why has this amount {$370.00} been applied to my mortgage account when I have no legal matter and I pay maintenance dues to the condo association?
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

My name is XXXX XXXX ( XXXX XXXX. I and my family were residents at the XXXX XXXX XXXX in XXXX XXXX and our lease ended. We followed the process that we were told and moved out of the apartment on the last day after returning the keys to the main office. The office did not give us any statement showing our balance on our last day but we gave them our forwarding address ( our new address ) along with the apartment keys. We then waited for a statement ( or invoice ) and our re-embursement for the security deposit but we did not receive it. Recently, we got a call from a creditor company asking us to pay {$2500.00}. Our monthly rent used to be around {$1900.00} and we paid a security depost for the amount {$350.00}. 
We have not received any form of email notification, mail from management XXXX XXXX XXXX XXXX, nor our deposit check. Our 12 month lease term started on XX/XX/XXXX and ended on XX/XX/XXXX. 
Please help! What should we do? The creditor ( IQ-DATA ) told us that if we don't pay the {$2500.00}, by  the end of this month, they will update our credit history.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP (CA)

On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from Selip & Stylianos because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only XXXX XXXX credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a XXXX XXXX bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and XXXX XXXX, in which XXXX XXXX responded with a letter dated XX/XX/XXXX. 
In this letter XXXX XXXX states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the Attorney Network ( NAN ) with the firm Selip & Stylianos, LLP on XX/XX/XXXX. This firm was previously called Cohen & Slamowitz , LLP. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. XXXX XXXX also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XXXX which happened to be a secured XXXX XXXX credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from XXXX XXXX or Selip & Stylianos regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (GA)

I was notified by my credit monitoring company that two derogatory remarks, collection accounts have been added to my account by Bay Area Credit Services. They state they are from XXXX XXXX XXXX but can not give me any additional information. I have called three times, the first two times Bay area Credit could not find any information, the third found the debt and was supposed to email me a statement which I have not received. I have also emailed Bay Area Credit and not gotten a response. I do not know what this debt is nor have I gotten previous attempts from anyone to collect it. I do not have invoices or statements from anyone that I am aware of. Bay area Credit put a derogatory remark on my credit file which dropped my credit score and they can not give me any information as to what this bill is for.
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (FL)

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX is inaccurate because this item is not belong to me I am requesting that the item be removed to correct the information. 
Enclosed are copies of Dl, SSN supporting my position. Please reinvestigate this account and delete it from credit report as soon as possible.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

XXXX and Equifax continue to report a child support account. XXXX has already deleted it. This account is inaccurate and incomplete. This account is in violation of XXXX ( 4 ) consumer rights to privacy for child support to be on my profile.
Consumer complaint received 2019-10-10
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. (AZ)

XX/XX/2-19, Experian Credit Svcs . refuses to put on my credit report ALL my monthly payments. 
1. XXXX XXXX is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. Experian has not raised my credit score accordingly. 
All consumer fraud and violations of FCRA.
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (TX)

This complaint is in reference to SARMA!!!!! 

I disputed the SARMA collection account through XXXX  on XX/XX/2019 ; however, I have never received a response from XXXX. I have sent two certified letters to SARMA and they are not being delivered for an unknown reason. I have contacted the United States Postal Service and they are unable to advise why it was not delivered and are unable to track the letter. Due to the fact that I reside in XXXX XXXX, I attempted to drop off the dispute to their office personally ; however, they were very rude and would not take my dispute. I asked to speak with a supervisor/manager and waited for over 20 minutes but no one would come out to talk to me or even come back out to tell me how much longer it may be. 
Why is SARMA providing a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas address if the USPS is unable to deliver and no one will take my dispute in their office? Please see the attached letters that have been sent certified mail on two separate occasions with no success. I have attached both certified mail receipts for your review. It appears SARMA is making it impossible for their collection accounts to be disputed as the USPS is unable to deliver the certified letters and they will not take any disputes in person. 
Please request SARMA to validate this debt account as outlined in my XX/XX/2019 letter ( a signed form with my signature on it ) or please delete this account asap. 

Thank you,