davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Chase Freedom Unlimited charges interest rate for transactions which have been paid off as long as there is an outstanding balance. On XX/XX/XXXX I had an outstanding balance of {$2600.00} for which I was charged {$49.00} in interest rate. On XX/XX/XXXX I had an outstanding balance of {$850.00} and was charged interest of {$77.00} After speaking to a Chase representative, I was told that as long as there is outstanding balance Chase charges interest rate on every transaction irrespective of what the final outstanding balance was.
Consumer complaint received 2021-12-05
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 (OH)

I went to pay my bill online like usual. I opened my account and was able to access everything. However every time I would try to make a payment it wouldn't allow it. I then tried by phone and every time it wouldn't give me a verification number and told me to contact customer service. I then waited on hold for over an hour. I was told she couldn't process the payment. I was told that I was over the limit because an annual fee had been issued. I will now be assessed a late charge on top of the over the limit charge that was caused by their unexpected fee because there is no way for me to get them to accept the payment. This is extreme predatory credit abuse.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

XXXX XXXX repeatedly calls me staring from XX/XX/XXXX. This paid was paid under a settlement amount and it was back in XXXX. The representative from this office, who says is a manager, is extremely rude and will not give me any information except to threaten me that I will not like what he will do if I choose not to pay this debt. He has repeatedly robotic called me at my job even though I have asked him not to and has even told me that he doesnt care if I pay this that he will continue to call me. I need to stop this harassment
Consumer complaint received 2018-04-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (TX)

I am currently behind in payment on my account. I again have been receiving several calls a day after one voicemail has been left. After a voicemail has been left there continues to be calls made on the same day. Today XX/XX/XXXX I have 2 voicemails from them and have the voicemail logs and call logs. I have previously made a complaint # XXXX and this action still continues to happen knowing they are in violation. I want the balance of XXXX taken off due to this 2nd violation.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Two items on TransUnion need correcting. 
-18 months of rent reported to TransUnion from XXXX. TransUnion did not record information correctly on credit report. 

-Multiple credit inquiries ( all within 30 days of each other ) due to shopping for best mortgage rate, caused my XXXX score to drop.
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX Mr and addition XXXX membership rewards no matter what card your friend is approved for ''. 

I utilized this offer and used it to refer XXXX of my friends, he applied and was approved for the personal delta credit card. However, today a representative told me my referral is invalid because my friend was applied for a different card than what I was using to refer him. 

This does not make any sense as the offer clearly says " no matter what card your friend is approved for ''
Consumer complaint received 2023-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (DC)

I contacted ability recovery services on XX/XX/2023 to follow up regarding a direct dispute I submitted to there company requesting evidence of the collection item that's appearing on my consumer credit report, I also informed them that the item or collection item is the result of identity theft and I have not established this medical bill in my name I was informed by them that they sent an invoice to an address that I have never been associated with and that was the proof and I was hung up on by there representative I submitted an identity theft affidavit and formal dispute letter on XX/XX/2023 and was informed by XXXX that the information provided was accurate and correct as result the fraudulent collection item still remains on my credit report.
Consumer complaint received 2021-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a {$26000.00} Check from a lady whose XXXX i nstalled paid out TO my business it too k Bank of America XXXX business days TO clear the funds for withdrawal once it WAS clear i usted 7,000 dollars everytjing WAS fine then they calles me and blocled me out they too k XXXX from bank OF America the Check never bounced and my money was stolen
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DigniFi (CO)

On XXXX Dignifi Received Electronically a payment in the amount of XXXX, as of XXXX Dignifi reported my account as 30 days late to the credit bureaus and had not posted the payment. 

As of XXXX the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to Dignifi without response.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I had my credit card hacked so I placed a freeze. Being newly married it made it difficult to manage two seperate accounts. I was trying to lift the freezes and things went fairly smoothly except with Transunion. I may have been on the wrong page, but I was just trying to sign up for an account with them and their web page is designed to sell stuff. It asked for a credit card, but in no way did I see that I was purchasing anything - a credit report or otherwise. All I wanted to do was see if there was a freeze and lift a freeze. They tried to charge the card twice, very deceptive. It also sounds like all the customer service is outsourced to a foreign country. They make their phone number hard to find.
Consumer complaint received 2022-06-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I checked my credit report and saw a collection from : ( Creditor Information : CARTER-YOUNG, INC/ADV ). // * ( Original Creditor Name : XXXX XXXX XXXX ) * ( Balance : {$1300.00} ) I do not have contract with this company, and these clowns are trying to make me pay for a Debt I don't owe
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (CA)

EdFinancial reports as late items that date from 2005 or before, when I left the XXXX XXXX at XXXX XXXX. I have taken out NO loans since then. Further, EdFinancial used private lenders before XX/XX/XXXX so all accounts have aged out and should be removed. EdFinancial is reporting these as late, which has destroyed my credit payment history, which actually is impeccable. 
Ed Financial tried to-age these accounts, some of which date from XX/XX/XXXX, in XX/XX/XXXX, when I was working steadily. This is illegal but apparently a common practice of EdFinancial. 

Hence, EdFinancial is not only reporting very old information ( some more than 20 years old ) as current, but they are refusing to remove all edfinancial data from my credit reports at all 3 bureaus. Reporting accounts more than 7 years old is a FCRA violation, but as indicated, all items are from XX/XX/XXXX-XX/XX/XXXXand NO later. Anything else is an attempt to re-age old debts.
Consumer complaint received 2022-02-03
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. (MI)

I am a natural person and consumer. EQUIFAX has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to EQUIFAX violating my federally protected consumer rights.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

I have no idea what this is for. Have not received any information about what its for from Phoenix financial or who is listed as an original creditor. How is this allowed to effect my credit when I HAVE NO IDEA WHAT IT IS. Says XXXX XXXX XXXX XXXX?? I have not been treated there in years. Is this for my adult daughter who may have been treated there and you somehow attributed it to me?
Consumer complaint received 2020-12-13
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: Early Warning Services, LLC (UT)

XXXX XXXX sent some updated letters after resolving fraudulent balances in my name. I am needing a updated copy of my EWS consumer report mailed to me to see if my report has been properly updated.
Consumer complaint received 2018-04-08
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: JPMORGAN CHASE & CO. (IL)

Chase Freedom card had a 0 % APR balance transfer offer. What they did not make clear in this offer is that any purchases you make per month on top of the balance transfer amount is charged high interest and you don't even get the 30 day interest free period anymore. I don't understand why they would have such a misleading offer. People that avail balance transfer services do it to pay low interest but instead now I'm getting charged monthly interest on an account I never paid interest for because I used to pay my balance off within the 30 day period. They never sent me documentation when I first signed up to explain the offer and are refusing to refund the transfer fees and the unnecessary interest payments.
Consumer complaint received 2018-04-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (FL)

The company overcharged me for a XXXX XXXX XXXX that came with XXXX XXXX  miles and it had alot of electrical problems & they refuse to refinance my vehicle & I couldnt keep up with payments causing them to take the car & they barely worked with me only helped me for one month but was more concerned about me paying them & not my situation due to me losing my job.
Consumer complaint received 2021-06-09
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY ()

I opened a charge card account with American Express and being promised that I will get XXXX reward points after spend {$2000.00}. 
I received the reward points after I made a car rental deposit at XXXX and American Express took the reward points back after I return the rental car and get my deposit back. I called to ask American Express what's happened they told me they thought it's a purchase and return so they took the points back. 
I explained what's happened and the customer service told me no worry I will get the points back if I reach the purchase of {$2000.00} before XX/XX/XXXX. I did more purchase and reached more than {$2000.00} at XX/XX/XXXX but did not get the points back. 
I called back to American Express they told me just wait 8 to 12 weeks I will get the points. After more than 12 weeks, I called back again and been told I will get the answer after 10 business days.

After more than 2 weeks, I called them again and they told me my purchase at XX/XX/XXXX is too late. I point out I was been promises I just need reach the purchase of {$2000.00} before XX/XX/XXXX, but the customer service said she can not reach the records and will do nothing to help me. 
I had called American Express so many times and each time they ask me to explain the whole story again and the only response I got is longer waiting time and trying to sell me more credit card from American Express. I was trust American Express so I moved my major charge card and credit card account to them when their sale promised a great service. I did not expect the service will be like this and even more the customer service lied to me. 
Today the customer service lady said she can find no one to help me and there is no customer compliance number for American Express. I do trust CFPB is the only way I can let them know how much they can hurt the credit card business when lie to a customer.
Consumer complaint received 2018-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (WI)

I have reached out to the company multiple times stating to stop ACH payments because I am trying to get the account closed. I recently had an issue with someone attempting to use my credit and personal information. I have already placed credit freeze on all 3 bureaus and now attempting to close an account and open another. My bank can not close the account if their is charges pending. I have no money going into the account to avoid being a target of more fraud. I have asked to company to allow me to send payments via money order or cashier checks to continue to make payments however they are still withdrawing money from the account I told them not to. At this point I am going to advise my bank it is fraud and I want to report them from attempting to take money from an account I did not authorize.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WY)

As early as XXXX as well as multiple supporting documentation and escalation to the specialty dept. including XXXX, XXXX and most recent, XX/XX/2018, XX/XX/2018 and again XX/XX/2018. I have supplied supporting payment information as well as calling the Collection agency and hospital to no avail. I am able to provide proof of payment and want this information deleted immediately from my report. 

Equifax is the only agency that still reflects this information and it appears there is a black hole when sending supporting documentation. 

Thank you,
Consumer complaint received 2021-04-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have provided my information to Equifax they told me 48 hours. Nothing has happened it has been over 2 weeks. What is going on? 
XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

15 U.S. Code 1681 ( 2 ) " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Consumer complaint received 2023-03-29
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. (VA)

I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2018-04-08
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. (TX)

I submitted a written request, by Certified Mail, to TransUnion to delete a Notice of Federal Tax Lien from my Credit Report on XX/XX/XXXX because it does NOT meet the updated National Consumer Assistance Plan guidelines for public records reporting. To validate my deletion request I included a copy of the Notice of Federal Tax Lien filed with the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, in the amount of {$320000.00}. The updated National Consumer Assistance Plan guidelines for public records reporting specify that Federal Tax Liens must contain a Name, Address, Date Of Birth or Full Social Security Number for valid reporting on a Credit Report. The Notice of Federal Tax Lien copy that I submitted to TransUnion DOES NOT have a Date of Birth nor Full Social Security Number listed on the document. Therefore, I requested TransUnion DELETE the Notice of Federal Tax Lien from my Credit Report. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from TransUnion stating that they UPDATED my records instead of DELETING the Notice of Federal Tax Lien information. In their letter they stated that if their investigation had not resolved my dispute, I could file a complaint with the Consumer Financial Protection Bureau. This is my complaint.
Consumer complaint received 2022-06-10
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 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 an account without my written instructions.
Consumer complaint received 2022-02-03
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 — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I completed my modification in XX/XX/2021 and started making my payments XXXX of 2021. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective XXXX and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report