davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
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. (NV)

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following accounts XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX but none of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my acconts
Consumer complaint received 2019-07-29
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. (NV)

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following accounts XXXX XXXX XXXX XXXX, XXXX   XXXX but none of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my acconts
Consumer complaint received 2024-03-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercedes Benz Financial Services (AZ)

MERCEDES BENZ FINANCIAL HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX CU XXXX,
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

In  XXXX     2017, I sent a request to each  XXXX , Equifax and   XXXX   XXXX   regarding removal of the extended fraud alert on my credit pro file. With this request was a copy of my government issued identification for identity verification.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :  XXXX  : Responded by ADDING an initial fraud alert  XXXX   XXXX  : Responded by ADDING an initial fraud alert Equifax : Has failed to make any response to the request.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MI)

Iowa Student Loans ( now Aspire Servicing ) is harassing myself, my family, & friends even though I am up to date on my payments. They are currently calling anyone I have ever put as a reference in a very creepy manner, refusing to say why they are calling. This is scary to my loved ones as I am currently going though a custody battle & they have been worried for my son & I 's safety. I am personally receiving calls up to XXXX times per day on my phone while I am at work. I had to block their phone number as the constant calls was disrupting my life. I do not see the need for constant calls when I am up to date on payments!!!!!!!!!! Now they are calling from other numbers. When I answer they refuse to say what company is calling. For my safety I can not play these games, as it could potentially be my ex up to no good again. Again, this is irrational & harassing as I am up to date on payments. When I call their XXXX number to get to the bottom of this, when I finally get a human on the phone they are confused as to why they are even calling. Yesterday I was told " we would never call you like this unless you were behind on payments. '' Once I pointed out that I am not behind on payments the man on the phone was very confused & put me on hold. I warned him that I already had a patient in the waiting room & asked for a supervisor 's phone number so I could call back later to attempt to resolve this issue in a timely manner. He refused to give me a number to call back ... This constant & unnecessary harassment is causing me unnecessary stress & causing my XXXX to worsen. Please help me resolve this issue.
Consumer complaint received 2021-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately and updated or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-29
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. (NV)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late  payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX XXXX  XXXX,
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I am writing regarding the inappropriate manner in which Home Depot Credit Card services ( Citi Bank ) reduced my credit limit by {$1900.00} without any notice ( from {$6900.00} to {$5000.

00} ). The surprising part of the whole thing is that the credit limit as per my latest HD monthly stateme
nt is {$6900.00}. It is only on checking with the credit bureaus did I learn that my credit limit was reduced to {$5000.00}. On calling the card services I was told that this action was taken due to inactivity on my card. Neither was I aware of any such condition nor was I informed before taking such an action.

When I spoke with the the customer service agent that I wanted to escalate the issue, he was very rude and impersonal in saying that there will be no change in decision and that I have no other choice. I felt like I was at the mercy of Citi and had no choice.

I have been a Home Depot member for the last 4 years. However, I am shocked at the way my credit limit has been reduced for no valid reason. This has adversely affected my credit history/ score. 
As my requests were not being dealt in a correct manner, I reached out all the way to the CEO, XXXX XXXX. I was contacted by his office only to be read out a disclaimer in the credit card agreement that they have the right to reduce the credit limit when there is no activity on the account. I argued that a fine print can not be a reason to take this action. They should have contacted me before doing any such thing. But the representative refused to hear me out. He blatantly said that they will not do anything and hung up on me. 
I request that this matter be investigated to reinstate my credit limit to {$6900.00}.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WI)

This complaint relates to my Discover card. I pay this card online, and have for several years. This is intended as a way to insure that the payment is received on time. I am not dependent on the US mail to deliver a payment by the due date, and for the most part this has been successful. 

However, the payment made by phone for the month of XX/XX/2019, which was made on time and as I have made every other payment on this account, was recorded by Discover a day AFTER the deadline, causing a late fee. The payment was made on XX/XX/XXXX ; however, Discover processed the payment on XX/XX/XXXX, causing a {$28.00} late fee to be assessed to my account. This is unacceptable. 

I am also concerned that this malicious action on the part of the Discover card may have additional detrimental consequences, including an increase of the interest rate I am charged on this card, as well as a negative effect on my credit rating. These must be reversed, in both cases.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (TX)

Hi i called XXXX XXXX credit card service to cancel a balance transfer on XXXX the XXXX 2019 and it was unsuccessful and i was told that i need to called chase to get the balance transfer in the amount of {$400.00} reverse back to my XXXX XXXX credit card ending XXXX .. this transfer was done in a error and was send to my chase credit card ending in XXXX that was open fraudulent and im seeking to have {$400.00} reverse back and chase has received this transfer on XX/XX/2019. and i contacted chase credit card payment dept about this issues and they told me that they dont reverse balance transfer and i need to contact XXXX XXXX to open up a " transmitter report '' which XXXX XXXX already done and they received a answer from chase bank and said it was declined and another banker told me they need the cardmember permission and called chase again and told me it was denied but this transfer was done in a error and im seeking {$400.00} reversed chase credit card service received this transfer on the XX/XX/XXXX or the XXXX ...
Consumer complaint received 2021-06-11
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: DISCOVER BANK (NY)

I signed up for a promotion with Discover to get {$45.00} back if I signed up for a XXXX XXXX membership. I did so on XX/XX/XXXX and 3 months later I have not received my statement credit yet. Discover says that it may take 3 billing cycles since the end of the promotion on XX/XX/XXXX for the credit to be posted on the account, which feels deceptive and defeats the purpose of the promotion ( it feels as if you would sign up for the annual {$45.00} for free when you really have to pay it or have financial charges associated with this charge as you do not get the credit until 5 or 6 months later )
Consumer complaint received 2019-07-29
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Equifax
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (HI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (MA)

I called American Express on XX/XX/2019 and was told that I qualify and am pre-approved for an upgrade to my current credit card, from Gold to Platinum, and that this will come with additional benefits such as additional XXXX Skymiles and XXXX Medallion points. The credit card does have an annual fee of {$190.00} that the customer service representative said she will try to waive. I confirmed several times that this upgrade would be to my existing American Express  Gold Credit card, and that since this is an upgrade, my account number would stay the same and that in fact the new card ( Platinum  ) would have the same number. the customer service representative confirmed this several time. At the end of the call, I was asked a series of odd questions regarding my income, employment status and other personal information which I found weird since American Express should have had these since I am an existing customer and I was told I was pre-approved for this upgrade. Two days later I received a letter in the mail with a whole new credit card, with a new account number, labeled " new account credit card ''. American Express ran my credit report, and in fact did a whole new application for a whole new Platinum credit card, instead of just upgrading my current credit card. So now I have two American Express credit cards, which is not what I agreed to. So they did this without my permission or consent. This is clear bait and switch, and fraudulent employee practices taking advantage of me and violating customer trust. This is very unexpected, cross-selling or upselling is the practice of deceptive sales practices and is widely known as PINNING. I have contacted American Express several times and spoke with a manager who I escalated this issue to, she stated she will look into it, and provided me with her extension. However, I have attempted two times to reach her and have been unsuccessful because American Express is telling me they can not forward me to her, and that they will try to reach her to contact me. This is a week later and I still have not heard back from this manager. I also contacted American Express executive escalations department via email with all the details, and I have been given the runaround. A member from Executive Offices keeps telling me that my complaint has been deployed to the proper department and that I should wait to hear back from someone. No details were given to me about which department or the time I can expect a call back. My wife just gave birth to my daughter in XX/XX/2019, and we are looking to save money for a downpayment and build my credit. American Express impeded this by running my credit without my consent to submit a fraudulent credit card application for which I did NOT consent.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (NC)

On XX/XX/XXXX I contacted PMAB for the second time to explain to them that the {$1600.00} charge is for a patient that I am not related to and do not know. This is an incorrect billing made by the medical facility. The file number provided by PMAB is XXXX XXXX XXXX XXXX XXXX. I explained to them that I had talked to the medical facility who recognized the mistake. 

I sent an email to dispute the claim per the telephone representative 's instructions. I have uploaded the copy of the email. 

The patient name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX at PMAB reiterated to me today - XX/XX/XXXX - the file name is XXXX XXXX XXXX XXXX XXXX and the date of the service is XX/XX/XXXX. 

The amount is for {$1600.00}. 

PMAB ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Debt is owed to XXXX XXXX XXXX XXXX I called PMAB again today XX/XX/XXXX to explain and they said this is still under dispute but they can not remove this from my credit until the medical facility does so. 

I contacted the medical facility as well and they said that they realized the problem and corrected it, as well as, already informed PMAB of the error. 

This is adversely affecting my credit and I need this corrected. 
I called this number ( XXXX ) XXXX again today - XX/XX/XXXX - and spoke to XXXX at the XXXX XXXX XXXX XXXX. She states that they corrected this and informed PMAB on XX/XX/XXXX. 

XXXX states that the patient apparently has a relative with the same first and last name as I do. This may have been the original source of misinformation. XXXX said that she is going to communicate this back to the person who sends collection files to PMAB. 

I am still sending this complaint because I feel that PMAB should have corrected this and investigated it thoroughly back in XXXX.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (TN)

I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX  denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.
Consumer complaint received 2019-07-29
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX XXXX and Chapter XXXX Bankruptcy
Consumer complaint received 2019-07-29
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. (WA)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX [ XX/XX/XXXXXXXX XXXX XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ Equifax , XXXX , XXXX ] consumer report : Dispute Account Number or other information to identify account : XXXX XXXX XXXX XXXX, reported balance {$810.00} Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. 

I have no knowledge of an account with your company. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (OR)

Today, XX/XX/2019, I received a Mastercard from XXXX XXXX with my first name, and only ONE of my last names on it. It had my address in it, and I could not reach customer service. It was an unsolicited card with my address, from a bank I've never heard off before.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (WA)

XXXX XXXX for rent hired a collection agency, Hunter Warfield to collect a debt I do not owe. 

I disputed the debt by certified letterXX/XX/2019, and they never sent me the proof of the debt. 

They just reported me to the credit reporting agencies without sending me proof of the invalid debt.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The following inquiries below are suspicious to me. Please remove it as these are unauthorized. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.