davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SLM CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX Ref. : Complaint against SallieMae reporting Dear Sir or Madam, I am writing to dispute the information related to a loan number XXXX XXXX XXXX XXXX of the amounts {$18000.00} that SallieMae charge without my knowledge. The first time that I received an email from that financial institution I did not answer because I thought that was a mistake until I noticed it reported me to the credit bureaus.

SallieMae has associated my name with a certain XXXX XXXX, one of my classmates at XXXX XXXX XXXX who used to study with me. In all likelihood, this gentleman would steal my identity to go take a loan. Despite of my last name, I do not have anything to see with that borrower who is just a fraudster or identity thief. 

In spite of the emails received from SallieMae, I never wanted to contact the bank to not have difficulties. The Financial Institution has destroyed my credit score by reporting me unfairly to the credit bureaus. As you can see, other than this incident, I am a valuable customer and I pay my debt pretty much on time. 

With these considerations, I am requesting that your department reinvestigate this matter, the disputed item as soon as possible, and that the item be deleted from my credit record to correct the information. 

Enclosed are copies of supporting my position. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from American Coradius International LLC on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called XXXX and ACI and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I recently discovered that I am a victim of identity theft. I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be issued or approved until the lender first verified my identity. 
Fortunately, in my case, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN FOUR BUSINESS DAYS!
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has been charging monthly promotional balance interest fees and regular intetest fees in excess of $ 600 monthly over the past three years. I make monthly payment ranging from $ XXXX {$2000.00} and these exorbitant fees makes it impossible to pay off the balance. AMEX has not provided clear information as to what specific charges these promotional interest fees are related to so I have no way of verifing these fees are valid as per the amounts charged. They also just recently, in XX/XX/2020, lowered my credit limit witjoit notification and without explanation. I have been paying consistently on time since I first opened my accoint with AMEX an have always paid far above the minimum. These business practices are deceptive, not in keeping with the cardholder agreement, and predatory, specifically at a time when Americans are struggling financially due to the pandemic. There business practices arw incomprehensible.
Consumer complaint received 2023-03-29
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-09
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: CURO Intermediate Holdings (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 a account without my written instructions
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westcreek Financial (OK)

WEST CREEK FINANCIAL DBA on my credit report says I owe XXXX for a car. I've not had any vehicles that cost the original loan amount of XXXX think someone has bought a car with my information because this isn't right. Last car I had was a XXXX XXXX XXXX  for XXXX this definitely isn't it. Please help me fix this. Thank you
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a complaint with the Consumer Financial Protection Bureau against Capital One and then in retaliation, they shut down my credit card account. This account I've had for over 3-4 years, always paid on time with no issues. After I filed the complaint, they sent me a letter shutting me down.
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

Chase Credit Card XXXX rewards Premier. You get 1 elite night credit for each {$3000.00} in purchases. I made a large purchase in order to receive these credits. Purchase {$12000.00} XX/XX/2018 on the card to get these nights and the total monthly bill was {$14000.00}. They kept send emails to upgrade to the Premier Plus program. It sounds like you get the Premier perks, PLUS more. I upgraded a couple of weeks after the purchase. They have not given me the 4+ Elite nights credit. I called in XX/XX/XXXX and they assured me that it would happen with 8 weeks of purchase. It did no happen. I filled out an online form asking about the Elite nights at Chase.com and no response. I called again a few weeks later, now the aren't sure if I will get them but supposedly they put it in to the promotion dept. to be reviewed. They told me to contact XXXX XXXX. I did, and they said Chase did not give them Elite Nights. On the bill XX/XX/18 - XX/XX/18 it shows the account is st

ill Premier and states the Elite night benefit. ( attached ) The next bill say PLUS.

I could have used another card, but used this one for added nights that I need. They won't respond, and you can't go back the Premier card. It was a misleading promotion. Still, these purchases were made before the upgrade, so the Elite nights should be given. 
Please help them to understand.
Consumer complaint received 2023-08-18
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: CITIBANK, N.A. (NY)

In accordance with the fair reporting act XXXX XXXX account # XXXX Macys Credit Card Account number ending in XXXX has violated my rights 15 USC 1681 Sec 602 states I have the right to privacy 15 USC 1681 Sec 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Receivables Management, Inc. (NJ)

My name is XXXX XXXX, I signed a contract for One Year with XXXX XXXX   XXXX dated XX/XX/XXXX. As I didn't know far how long my stay would be here at this rental home. I paid XXXX on regular basis without any fail, on XX/XX/XXXX ( After 18 months ) I called XXXX to discontinue my services as no longer required. I did clear my XX/XX/XXXX bill for {$34.00}. This transaction was confirmed by billing dept from XXXX. Now XXXX  illicitly passed my information to collection agencies even after discontinuation of service and paid final bill amount.

Accelerated Receivable Management Inc, PH : XXXX is approaching to collect a 'cancelled ' services bill. In mid-XXXX, I called XXXX billing and informed them about collection company whereas services were cancelled back in XX/XX/XXXX. They promised to make adjustments at their end. But collection company never stopped calling and still sending written notices and calls on daily basis. Now they have started to threaten, harassing and use abusive language over the phone and voice messages.

Accelerated Receivable Management Inc, MUST NOT use abusive language or use harassing words over the phone even when they were advised about cancelled services. XXXX XXXX XXXX ( billing ) has no right to bill and approach collection company for a cancelled service. Now theyre claiming my contract was for FIVE years, ( totally weird, false and malefied statement ) Who can sign a contract once you even do NOT have a lease for over a year? Their claim is totally false and baseless so must be asked to quit. They have spoiled my credit for endorsing a false and baseless claim.
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I Have 2 balance transfer 's at 0 %. 
The first expires on XXXX and the second expires on XXXX I have a purchase, that I am paying {$1.00} interest on which I WAS uunaware of. 
WHY? 
BECAUSE : When I looked at my statement from Bank of America, under " Interest Charge Calculation '' it states as follows. 

Purchases : APR = 8.90 % Balance subject to interest rate : XXXX. Interest charged by transaction type. {$0.00} Direct Deposit Advances : APR = 0 % Balance subject to interest rate : XXXX. Interest charged by transaction type. XXXX I only see a charge of {$1.00} under transactions, with absolutely NO information on why I am being charged {$1.00}. It certainty not under the " interest charge section " as I listed above. NO WHERE is it explained on why Bank of America is charging me {$1.00} I called on XXXX spoke with XXXX  ID # XXXX out of Texas. 

XXXX stated the {$1.00} is a minimum interest charge from a couple of months ago and I still owe {$19.00}. I had no idea. Its not on the statement!!! 

NO WHERE does it state on my statement that I owe {$19.00} and that I am being charged an interest on that amount under " interest charges Calculation '' or does it mention I owe {$19.00} with a fee due. 

My statement from Bank of America does not tell me the balance I owe at the 0 % due on XXXX nor does it tell me what the balance is at the 0 % due on XXXX. 
This is how I missed the {$1.00} fee. 
This does not seem legal to me. 
Who else do I complain to? Bank of America needs to make these statements clear to consumers? I would think by law.

I would like an explanation from Bank of America and to know if this practice is legal. 
XXXX, I don't think she knew, she basically stated, they don't have to break it down. They can just lump it all together under one balance without any explanation. 

I don't want to pay the {$1.00} as it is not listed under my " interest charge calculation '' I don't know if I paid this last month or the month before, but I feel I was miss lead. As I quickly look under the " Interest Charge Calculation Saw no interest charge and thought " I was good " But, In fact, you place a {$1.00} charge under transactions without any explanation, what so ever and you called it a day.

Well, I found out, your doing this and it is wrong. You get 1 million people to miss this and Bank of America could profit {>= $1,000,000} a month.

I would like to file this complaint, and know what my rights are as a consumer and what Bank of America obligations are to their customers along with how the law is written in respect to credit card companies and information needed to provide to their customers.

Please let me know if account info is needed, as you stated not to provide that info now. My statement at this time contains to much personal info, Bank of America can con tact me, if needed. 

Thank You
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following companies has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from these companies. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form XXXX you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (PA)

XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, 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 2018-12-23
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. (MI)

Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, Equifax, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.
Consumer complaint received 2018-12-23
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. (MI)

Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because XXXX, XXXX, Trans Union,  they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XX/XX/XXXX I would like the these companies to finally report the correct information.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.