davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (VA)

I found out that I am being sued by American Express through their counsel, XXXX XXXX XXXX. I contacted XXXX with XXXX XXXX to discuss settlement options on the account in XX/XX/2019. XXXX agreed that American Express would settle my account for {$10000.00} and the remaining balance on the account would be forgiven. At that time, XXXX told me to contact a fourth party, named XXXX. XXXX works for XXXX, a collection agency used by American Express ( as it was explained to me ). XXXX said I had to pay XXXX the settlement amount. Despite misgivings, I have XXXX my debut card number. My bank would not approve such a high purchase and denied the charge request. 

XXXX told me that XXXX would contact me with payment instructions for my account. That was the last I spoke to anyone from American Express. If I call them, and I have called both several times each, they will not answer my calls. 

I believe that XXXX XXXX broke our verbal contract because they will not allow me to make payments on my account, not answered.my phone calls. I also believe they lied to me regarding the terms of my account settlement for less than owed. 

I ended up having to make a payment to try to get the account paid off before a judgement is placed on me of XXXX
Consumer complaint received 2019-09-30
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)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is XXXX.
Consumer complaint received 2019-09-30
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is XXXX.
Consumer complaint received 2023-03-17
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (NY)

I started freedom debt relief in XX/XX/XXXX. I had credit card with XXXX  owing about XXXX, I enrolled in the problem and was told I would have a monthly payment of {$300.00} and once a settlement was made with the bank I would be paying off my debt in no time. I was mislead in many ways, I am a XXXX year old mother of XXXX and was told that once a settlement was made what I was depositing was going to be put towards service fees and my debt to XXXX XXXX. From XX/XX/XXXX to now XXXX I have made numerous phone calls asking where my money is going and why things arent being done and got no progress and assurance anything was happening. I was told somewhere in XXXX a payment was denied so my account went void but got an email in XXXX, 3 months after the fact meaning now my settlement was lost and had to be resettled. I have invested {$3300.00} into this program have {$400.00} in my dedicated account towards my debt and only {$19.00} was paid to XXXX on XX/XX/XXXX. The program charges {$3000.00} for their services but stated they couldnt pay XXXX  and had to drop the settlement because there wasnt enough funds in my account. I have the ledger from the company of all my payments and dont understand how a payment failed when the took out of the same account numerous times causing my account to overdraft with no problem. The staff they have on phones do not answer any questions and constantly transfer you. They all have attitudes and basically at the end I had to cancel the program do to the worry of losing out on even more money with the company being so condescending. They told me I would only be getting back {$130.00} roughly, when Ive invested so much into paying off my debt. I paid {$3000.00} for ultimately nothing. No straight answers, no time frames when I asked for them into how much longer I needed to pay and no exact answers of where my money is going to. Other than {$19.00} out of all of this was paid to XXXX   and they failed to tell XXXX that they wouldnt continue paying them until their fees were paid. Freedom debt relief took advantage of me my family and my financial crisis.
Consumer complaint received 2019-09-30
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: Bread Financial Holdings, Inc. (FL)

I went to XXXX XXXX in XXXX XXXX XXXX Florida for a XXXX   XXXX, and upon completion they instructed me that a XXXX that they worked on 2 years prior had a problem. I thought about it, and came to the conclusion that I would have another XXXX  look at, especially if there work was failing. The cost to repair the XXXX they had previously worked on was {$5000.00} in which I did not know they had planned to do the work and had set up a line of credit through Commenity Bank and charged my new found account {$440.00} for NO SERVICE PROVIDED. Now I have had this show up on my credit and have disputed with XXXX, Commenity Bank, and 2 of the credit reporting agencies and the credit reporting agencies removed it and 1 month later it resurfaced differently as an active account with late pays instead of a collection. The 2 were XXXX, and XXXX. I would like an investigation into this matter as I am sure I am not the only one dupped by XXXX XXXX.
Consumer complaint received 2019-04-03
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. (FL)

Company : XXXX XXXX : {$10000.00} XXXX : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!
Consumer complaint received 2019-04-03
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)

Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-04-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX I purchased a XXXX XXXX and gap  insurance. My finance company was Chase auto finance. On XX/XX/XXXX my XXXX was totaled. My insurance at the time XXXX. Paid Chase auto finance XXXX. My Gap insurance paid the rest. Chase auto finance still says I owe them XXXX. I have disputed this information and submitted documents. To XXXX and XXXX on two Occasions. This information still remains on my credit as unpaid. The documents below will prove I am telling the truth. Proof of what XXXX paid and proof of purchase of gap insurance.
Consumer complaint received 2019-04-03
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. (FL)

There are inquiries that are not authorized by me. They are identity theft and I am almost finished notifying the appropriate parties. I previously filed a report however there were some inquiries missed so these are the remaining fraudulent inquires : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX Attached is my new report with the FTC also.
Consumer complaint received 2019-09-30
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is XXXX.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

This debt collector, HCI Healthcare Receivables Management Company, in spite number XXXX, having absolutely no proof that the debt is mine, continues to attempt to collect a debt account from me for services on XX/XX/2019. They have reported it to credit reporting agencies and now I'll have to take the next step, contacting the reporting agencies directly. I was not there and they do not have my signature or any proof that this is my bill. If this is not corrected and soon, I will additionally sue this unethical debt collector and Consumer Financial Protection Bureau for failing to help me. This has been an ongoing issue and I am sick of it. I've complained about this numerous times and the response I get is always 'the collection agency says you owe it ' in spite of having absolutely NO PROOF. No proof. Not my bill. End of story.
Consumer complaint received 2019-04-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/XXXX, attached will be a 9 page narrative detail, including FCC   complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report  until XX/XX/XXXX. I called them Tuesday XX/XX/XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a XXXX XXXX   form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.
Consumer complaint received 2019-09-30
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: EQUIFAX, INC. (IL)

Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. 

PUBLIC FILINGS XXXX not mine
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I applied to a car dealership ( XXXX XXXX, XXXX, Georgia ), last summer that claims it will not hard pull credit in considering the loan application ... .. " Will not impact your credit score! ". Their website says that even to this day. However after my looking into my credit bureau reports, lo and behold, they hard pulled FOUR inquiries into my Experian credit file by way of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. All 4 inquiries impacts a credit score. I did NOT give them express permission to hard pull my credit at ANY time. They fraudulently, and deceptively, misrepresented themselves. If they advertise that they will not affect your credit by taking an application, and then they do, that is false advertising and damaging. It is an act of fraud.
Consumer complaint received 2019-09-30
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: The Outsource Group, Inc (IL)

They agreed to delete and instructed me to file a dispute directly with the credit bureaus. I did that on two separate occasions. It deleted from XXXX but not from XXXX and XXXX. I disputed them twice and both times they still remained on my credit report. I am currently under contract to purchase a home and my interest rate is directly affected by this since this account dropped my credit score by over 80 points. I would like to request that they submit a request to the credit bureaus to delete this account from my credit reports.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I transferred some funds from my XXXX XXXXXXXX account to my capital one bank account and I used my debit card with capital one for some authorized transactions only for them to reach out to me saying my account will be closed for no reason and no explanation whatsoever. They said my funds will be sent back to my XXXX XXXX account or a check will be mailed to me and that was over a month ago. I've called them severely and they never gave anything to say regarding my money. I need my money to pay my bills and take care of my family.
Consumer complaint received 2018-07-16
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: AMERICAN EXPRESS COMPANY (FL)

Hi, I have the American Express credit card that I paid {$450.00} for a year. This is my first year. I'm supposed to get 2 points for every dollar spent on the XXXX website. I've had the worst time getting my points. 

My last point given was in XX/XX/XXXX, for the months of XX/XX/XXXX and XX/XX/XXXX. I've had to call them in XX/XX/XXXX and they retroactively gave me points of those months. I didn't get points for XX/XX/XXXX and XX/XX/XXXX ( which I think I was supposed to get something like over 9,000 ). I called in XX/XX/XXXX. Was told the same thing, that I got my points in XX/XX/XXXX, which I had to explain to them again that the XX/XX/XXXXone was given retroactively for XX/XX/XXXX and XX/XX/XXXX. The manager asked me to do a three way call with XXXX to make sure that XX/XX/XXXX and XX/XX/XXXX was never gotten. I did and he made a note of it that I was never given credit for that. A month later I got a letter saying that they closed the case. I do get points here and there, but it's little ones like when I go out to eat or something. 

I traveled in XX/XX/XXXX but didn't bother using the American express card. I did however used it again in XX/XX/XXXX and XX/XX/XXXX for my travels and once again have received nothing. I have called a good six times since XX/XX/XXXX. Had to explain over and over that I have not gotten my points from online usage on months beginning in XX/XX/XXXX. The last two times I called I was put on hold for over 45 minutes then the phone died. The time before that, I was told theres a wait time of over 2 hours and that a manager would call me back, and no one called back.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023, I sent a dispute letter reporting to the three Bureaus to seek verification about my credit report. I strongly believe that my report 's information is inaccurate, hurting my credit score tremendously. After a couple of weeks, I received a letter from XXXX on XX/XX/XXXX stating that I must call to verify, even though I spoke with a representative and was told to write a letter with my ID and utility bill to dispute items. Experian sent back the results and told me they were going to investigate. And I haven't gotten any written letter back from XXXX, and it's been 30 business days since I sent this letter out to all three bureaus. I've been told by law if there is incorrect information on my credit report, it must be removed immediately. This is hurting my chances of getting my dream house and dream car.
Consumer complaint received 2023-03-17
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.