davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I did a medication back in XXXX on a house that was over financed. I received the new servicing provider on the loan and that loan is current. I pulled my credit report in XXXX and XXXX XXXX is reporting since XXXX that my loan has never received a payment. I have contacted by phone, email and wrote this company multiple times. I never get a response from them or any answers as to where they have been since XXXX. 

My credit report shows them as a HELOC, reporting late since XXXX XXXX XXXX XXXX. Account reports CLOSED as of XXXX XXXX and they continue to increase the balance monthly. The only credit report that shows them is Equifax. 

Please try and get me any answers or resolved issues. I have perfect credit and this is causing me not to be able to obtain any mortgages.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (AZ)

I am a XXXX year old responsible XXXX  XXXX XXXX veteran with full medical coverage through the Dept of Veterans affairs.I do not have personal responsibility for this hospital bill.I have made no payments on this account and XXXX has never contacted me. On XX/XX/2017 I fell through a XXXX   and XXXX XXXX. I was XXXX  and treatment at a Veterans health care facility was unavailable in this emergency.The hospital was informed PRIOR TO TREATMENT that the payee would have to be the OR. Dept of Health ( my client ID XXXX ) or the XXXX Veterans Choice Program. After numerous contacts with the hospital, Veterans Admin., the Oregon DHS ( department of human services and the office of US SENATOR XXXX XXXX I was told that the hospital would pursue payment from the  appropriate party and NOT ME! The hospital was negligent ( LAZY ) in their proper pursuit of payment. At some point without notice the hospital turned this in to collection.At no time did they try to resolve this matter in a professional or compassionate manner with me. Now my credit score has been severely diminished ( 30 points ) It is reprehensible that a Religious organization hospital would conduct itself in this manner without competence and compassion.
Consumer complaint received 2019-02-14
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: U.S. BANCORP (VA)

I received a US Bank Credit Card in XX/XX/XXXX. The promotion offer was that if I spend {$4500.00} in the first 150 days, they will credit my account with {$500.00}. As seen in the attached file - AccountPaymentHistory.pdf, I had spent {$5200.00} within 150 days. I sent US bank an email regarding the credit and received the following reply from them on XX/XX/XXXX ( Our records show that you have met the {$4500.00} spending requirement. You will receive the {$500.00} bonus rewards within four to six weeks. ) I waited for 6 weeks and after 6 weeks, I again sent US bank an email. I received the following reply from them on XX/XX/XXXX ( We apologize for the incorrect information given in our previous response. Once the account has qualified for the bonus rewards, it may take up to 10 12 weeks from the end of the offer period to receive the bonus rewards. ) I again waited for 12 weeks and sent them an email regarding the promised offer. I received the following reply on XX/XX/XXXX ( Our records indicate that this account was opened as of XX/XX/XXXX with an offer to receive a {$500.00} cash rewards bonus for each employee account individually for having {$4500.00} in net purchases within 150 days of the account being opened. 
Reviewing your account, neither employee account affiliated with this business met the net spending of {$4500.00} in the first 150 days of the account being opened. Therefore, this business account is not eligible for the {$500.00} bonus. Your account ending in XXXX had net spending of {$2900.00}, which did not meet the spending requirement. 

The main credit card account ends in XXXX and there are two employee cards within the central account. The total amount spent in main credit card account ( XXXX ) was more than {$500.00}. The credit card company is now coming up with an excuse that each card had to spend {$4500.00}. As seen above in their replies and the attached emails, they agreed that I had qualified for the offer. But it was never their intention to deliver the offer. ) First they said 4 to 6 weeks, then they said 10 to 12 weeks and finally they refused. 

The credit card company 's offer was deceptive and deceitful. They wanted me to just keep spending on the credit card until they could refuse the offer. A strict action should be taken against US Bank for willfully misleading the customers and not delivering on their promises. 

Attached is their email chain where they accept that I have qualified for the offer and then rescinding the offer once it came time to deliver. Also, is the account history where it shows that I spent over {$5000.00} in the first 150 days. 

Thank you.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is another item that i've been disputing for couple of months already but nothing is happening! Can someone please do something and delete this collections account to my credit report!! I have already reported this to FTC XXXX Account # : XXXX
Consumer complaint received 2023-06-12
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. (OH)

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. Here are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

On Tuesday, XX/XX/XXXX the CHASE mobile app reflected an available balance of {$110.00} reflecting three small transaction that were subtracted from my available balance. 

Obviously the funds were there to pay for these three transactions. 

The very next day, XX/XX/XXXX, my account reflected that a larger item had also been presented to the account and the bank took it upon themselves to re-arrange the order of the transactions resulting in overdraft charges of {$130.00} rather than the {$34.00} overdraft fee that should have been charged for the ONE item that was presented when the account balance was too low to cover it. 

I was charged {$34.00} for a {$14.00} transaction I was charged {$34.00} for a {$20.00} transaction I was charged {$34.00} for a {$110.00} transaction All three of these transaction were covered by my available balance the day they were presented to my account.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2023-06-12
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. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I just reviewed a copy of my Experian credit report and found the following information to be an error. You are reporting inaccurate information about accounts reporting to my credit file.
Consumer complaint received 2019-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (WA)

XX/XX/XXXX - received an email saying my accounts fell below {$25.00}. Checked accounts and noticed my accounts were levied taking {$4700.00} and having them sent to debt collectors, XXXX XXXX. 

XX/XX/XXXX - Called XXXX XXXX telling them that I was never sent any paperwork before they emptied my bank account. I also never received a call from them informing me of my debt. 

XX/XX/XXXX - received paperwork that informed me of said debt of {$8800.00}. Only after they levied my bank. 

XX/XX/XXXX - I called XXXX XXXX and had let them know that I would continue to pay my remaining debt through my wages at work. 

Since then I have not heard from them at all. 

XX/XX/XXXX - get a missed call from XXXX XXXX. I call back and they confirmed my name, but needed to confirm my date of birth. I told them I want paperwork first before continuing the conversation. They said okay we will block your number have a good day. They did not even confirm they were going to send me anything.
Consumer complaint received 2023-03-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (GA)

Called MRS BPO on XX/XX/23 @ XXXX and spoke with a representative that provided me with the CEOs email that I was instructed to send my police report to. Sent the email to the CEO XXXX XXXX at XXXX with the explanation that it was not mine, and have not received a response as of yet and it is out of the allotted, but there are still continuous updates to all three bureaus with no response to me. If there is no response to the prior email sent on XX/XX/23, this is second finding ( 1st is debt is not mine, fraud ) that is grounds for failure to comply to FCRA. Please advise
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My complaint is solely with Bank of America ( BofA ) card services. I requested a credit increase on my BofA credit card. The BofA computer rejected it and gave written reasons supposedly derived from the XXXX credit report. However, I got my XXXX credit report which **proved the BofA written reasons were totally false. ** Further, when discussing the rejection reasons with XXXX, their representative confirmed the BofA reasons were false. 

BofA writes " Serious Delinquency. '' Yet, the XXXX report and the XXXX representative see NO DELINQUENCY OF ANY KIND ON ANY OPEN ACCOUNT, and similarly no late payments on any open account. 

BofA writes " Proportion of loan balances to loan amounts too high. '' Yet, the XXXX report nor the XXXX representative sees no such condition. I pay my cards off each month, and most of my charge cards have a {$0.00} balance or close to it. 

BofA writes " Too few accounts currently paid as agreed. '' Yet, the XXXX representative sees no such data. THERE IS NOT ONE SINGLE ACCOUNT THAT FITS THIS BofA 'REASON. ' I provided this information and complete supporting data **in writing** to BofA but they did not address any of these lies contained in their rejection letter. Their complacency in handling this valid complaint with supporting documentation suggests BofA is doing this intentionally.
Consumer complaint received 2019-02-14
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: QuickClick Loans of Illinois, LLC (GA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-14
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. (NC)

There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXXXXXX XXXX XXXX reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!
Consumer complaint received 2022-08-19
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

MUFG Union Bank NA is reporting my mother 's credit information on her XXXX  XXXX account with XXXXXXXX XXXX  when I am only an " authorized user ''!!!. so far I know of it being reported to XXXX only... but I have not checked with the other credit reporting agencies. 

today ( XX/XX/2022 ) i called XXXXXXXX XXXX and the cust svc agent stated that the credit card account disclosures states that " authorized user '' will also be reported to credit agencies. strangely, I asked the agent to mail or email me the " disclosures '' which he said could not be done. why not sounds suspicious to me!! 

so I went to the bank branch in XXXX XXXX XXXX XXXX and got a copy of the " disclosures ''. in the disclosures it does NOT state authorized users would be reported to credit agencies! 

I am going to follow up with this complaint filing with a call and letter to MUF Union bank N.A. to immediately decease from reporting my mother 's MUF Union Bank visa account on my credit reports!!
Consumer complaint received 2016-09-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

I consolidated my private loans in 2008 over to XXXX ( XXXX XXXX at the time ) originally held by AES ( American Education Services ) and National Collegiate Trust. Since then XXXX has been the note holder on these loans. About a year ago I begin getting collection calls from XXXX indicating I had a balance remaining from when my loan was consolidated back in 2008 and it has been accumulating interest for almost 10 year. The balance they are saying I owe is {$3.00}, XXXX, most of that is interest on a balance that I never knew was outstanding to a company who no longer holds the notes to these loans. They have begun calling me multiple times a day and disclosed this debt amount to my husband on a line that he uses for work and was at work at the time. XXXX XXXX is not a co-signer or in anyway a party to this an should not be contacted regarding this matter. I only know now that this was them calling because it was the same number that called him, but no messages werre left explaining who was calling and why. This may be a third party collector, but they identify themselves as being the Trust. 

The contact given to my husband : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-14
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: CITIBANK, N.A. (HI)

When I tried to purchase tickets on XX/XX/10, this AA credit card offer showed up. It showed that I would get additional miles and {$200.00} credit. When I receive the statement, there was no credit applied and no additional miles were received. Citi is committing fraud asking customers to open card and then coming up with excuses not to apply credit. 

See the attached for the offer that showed to me and other consumers. It's wrong!
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Collection Bureau of America Ltd. (CA)

The company has failed to respond to the fact that they have failed to place the required " notice of dispute '' disclosure WITHIN the required 30-day period and did not furnish the credit bureaus with the required disclosure, WITHIN the period required by law. I have retained a COPY of their signature and DATE of receipt, as well as a TIME-STAMPED copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 )  and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I demand DELETION of this derogatory account from my credit file ( s ) with any or all credit agencies ( XXXX, XXXX, XXXX ). As this company has violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now REMOVE the item they are currently reporting. Any other action ( or in-action )  on their behalf will result in a small claims action against their company.
Consumer complaint received 2019-02-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VIP Mortgage Inc. (TX)

VIP mortgage XXXX XXXX run my credit before informing me and cause my score to drop to point whereas I have to wait to purchase a home. XXXX call me concerning what he had did, I ask him why didn't he tell me, cause I never gave him permission to do this. XXXX said u gave me permission to run your credit, the form stated once type in your password that gave me permission, then he went on to say it tell you that in info, that why you need to read info in a very sarcastic way. I told him it didn '' t say that and that when he slammed his phone down in my face
Consumer complaint received 2019-02-14
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. (MO)

This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 Account XXXX XXXX
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested.   The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds.     I have been advised th at  XXXX  sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC (TX)

Last year in 2021, I received a call from CREDIT NINJA saying I owed over {$2000.00} to them for a loan taken out. I had never heard of this company at the time and the address and email they had for me were from about 8 years ago and we came to the conclusion someone stole my identity and took out the loan. Credit Ninja had me go through a process that took me months getting a police report, and filing out affidavits to get this taken care of because I never got this loan out. I did EVERYTHING they asked of me and then a month or two ago in 2022 that same exact loan shows up on my credit report. I immediately called Credit Ninja when I got the notification and asked them for it to be removed since I already went through the process with them of proving I got my identity stolen. The lady then confirmed what I had said to her on the phone and said they had all the police report and everything on file and all I would need to do is dispute it on my end and they would take it off. BUT I disputed it and they never took it off in fact they said the debt is valid even though they have proof from over a year ago my identity got stolen and I never got this loan.
Consumer complaint received 2019-02-14
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)

I have recently received a copy of my credit report, The report had an account listed that are not mine..I have disputed the accounts for months with the credit bureaus as " not mine '' but it recently came back as verified ... I have never had an account with these companies..Please delete immediately before further harm is done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.