davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with Equifax in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with Equifax, XXXX and XXXX on XX/XX/XXXX. Equifax has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the Equifax report is XXXX of XXXX.
Consumer complaint received 2018-10-23
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. (TX)

I have filed several disputes with XXXX and Transunion stating the information is fraudulent accounts and have request per my rights to receive validation or verification of these accounts and have not receive anything thing Transunion has taken several months since my last disputes and XXXX refuse to receive or investigate any more disputes concerning these accounts I have sent several letters to both of these companies and they are not sending my the proper paper work XXXX XXXX XXXX XXXX amount of {$1500.00} XXXX XXXX XXXX XXXX amount {$1300.00} these accounts are fraudulent
Consumer complaint received 2021-08-19
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. (CT)

Hi Had purchased an air ticket using by Citibank premeir thank you card. The flight was cancelled and i have been calling citi to issue me a refund of the ticket and they have not replied. Its over {$800.00} and i dont have resolultion.I have made several phone call to the citi help desk over 2 hours long. they always say they will give me a call back but they never do. its been over a year.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AL)

American Express account customer for 23 years. Offered a Platinum American Express product through my online account. Card and details sent to my secondary address for consideration. Never activated card and refused offer. American Express charged the account an annual {$690.00} fee. I spoke with customer service explaining that I did not agree to the account terms and did not want the account, that's why I never activated the card and obviously never made any charges to the account because I had no intention of using the product. 

I was told that I would be charged the annual fee for the card and owed the {$690.00} fee regardless. I explained that I was and never intended to use the product and that my inactivity and lack of card activation revealed my intentions. Because 30 days had expired, they explained I missed the window to reject the offer. I never agreed to the card in the first place, and after 30 days of not activating the card, that should be an indication of my intention to not use the service. This also provides protection for the consumer.
Consumer complaint received 2019-01-23
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. (VA)

on XX/XX/2018, i sent Equifax a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! The address that need to be removed are- XXXX XXXX XXXX   , XXXX XXXX , Va XXXX XXXX XXXX XXXX , XXXX XXXX Va XXXX  My name is XXXX XXXX the names to be removed are XXXX XXXX  and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.
Consumer complaint received 2015-08-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (CO)

I use American Express Bluebird for my direct deposit for payroll. I have been a victim of fraud on my Bluebird card in the past. The result was waiting 45 days to get a credit. I was evicted with my children because I could not pay rent and the fees added up to more than I could pay. I told Amex that there were never to be internet charges again. Yet, today, XXXX XXXX, 2015, my card incurred internet charges of $ XXXX XXXX , {$250.00} XXXX XXXX and {$5.00} XXXX academy. I did not make these charges or authorize anyone to make these charges. 

Now, once again, Amex says that I have to wait 45 days for a refund. I will be homeless once again. I ca n't pay my rent. I have half and the landlord wo n't take half. My children and I will be homeless again.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

About 1.5 months ago, I applied for a credit card with XXXX XXXX to improve my credit score. I've read and have been advised that getting a credit card would actually boost my score. So after applying, XXXX XXXX approved me for {$1000.00} by issuing me a credit card. Then around the end of XX/XX/2023, XXXX XXXX reported to XXXX and TransUnion ( and perhaps XXXX ) that I was issued the card/credit. I expected that would happen, with the expectation that it would ultimately increase my credit scores. However, the reality is that both XXXX and TransUnion actually decreased my score, XXXX by XXXX points, and TransUnion by XXXX. I called XXXX XXXX, first, to check into the matter. They advised me to contact the credit reporting agencies. So I then contacted TransUnion. They told me there's nothing they could do to increase my score at this time and that it would take some time for it to go back up XXXX points. I then asked them why my score was lowered XXXX points by applying for credit through XXXX XXXX, whereas they only lowered my score XXXX points when I applied for credit with XXXX XXXX XXXX. They told me that there's a bigger ( negative ) impact on my credit score with XXXX XXXX because they're a bigger company. 

I'm livid. I not only applied for credit because I needed extra cash, but also with the notion that my credit scores would actually improve. This business practice is misleading. How is it that major credit card companies PLUS these credit bureaus tell consumers to take out more credit to improve their scores when, in actuality, there is a price to pay -- i.e., major decreases in their scores at the onset due to hard pulls on their credit reports? Had I known about this shady practice, I would NOT have applied for credit at XXXX XXXX 

As a result of this, I now have to wait a long time for my scores to go back up. And when I checked XXXX XXXX 's simulator, it indicated that paying off my credit card within 6 months would only increase my TransUnion score by XXXX points at best, if at all. 

There's something so wrong with this. I feel I've been cheated.
Consumer complaint received 2022-08-28
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. (TX)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (TX)

I traded my vehicle off and Chase received my payoff on XX/XX/2022 it is now XX/XX/2022 and they have still not processed the payoff. This is causing my account to be past due
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I am having trouble with Citibank 's interest calculations. On XX/XX/19, I submitted a payment of {$24000.00} to my credit card that I believed would pay off the total on the card. This was 2 days before the billing cycle closed and before my statement was completed. When the statement arrived, I overlooked reviewing the statement because I believed the balance was paid off. However, shortly after, I began receiving harassing phone calls for my overdue account. I explained that I had paid off the account, and assumed the error would be corrected. However, this problem continues, and I researched the issue. It seems that rather than zeroing out my account when I paid it off, Citibank charged interest- $ XXXX for a large purchase- $ XXXX that I paid off during the same billing cycle. They then continued to charge late fees for 3 months on the erroneously charged interest. When I phoned to resolve the issue, the operator continued to tell me that the fee is due to the {$990.00} balance I carried over from the prior month. When I told them the interest rate on my card is 15.24 % and the interest should be no more than {$12.00}, they continued to argue, making various points, but none of them holding up to our credit agreement.
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (GA)

ON XX/XX/2019 AT APPROX XXXX AMERICAN EXPRESS CONTACTED A THIRD PARTY REF. MY ACCT WITH THEM. THEY LEFT A MESSAGE REQUESTING I CALL TO DISCUSS A PERSONAL MATTER RELATED TO MY CREDIT CARD. THE NUMBER THEY CALLED WAS XXXX. THIS NUMBER IS A RELITIVE AND I DO NOT LIVE THERE. AMERICAN EXPRESS HAS MY CORRECT INFORMATION RELATED ON HOW TO CONTACT ME. THIS IS IN DIRECT VIOATION OF 15 USC 1692C ( B ) AS IT RELATES TO THIRD PARTY CONTACT. AT NO TIME DID I GIVE AMERICAN EXPRESS ANY PERMISSION TO CONTACT A THIRD PARTY REF.. MY ACCT.
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Consumer complaint received 2018-02-28
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. (AL)

I am a victim of Identity Theft and the Credit Bureaus are refusing to honor my request for a block of fradulent accounts and information under FCRA 605B. I have sent my FTC Identity Theft Report, my police report and have also submitted my information to the Attorney General in my state. I have fulfulled ALL the needed requirements and the bureaus are WILLFULLY non complying. I spoke to a representative from XXXX to ask if they received my police report and she said " we can't use this police report '' and we have opened investigation and you will hear in 30 days. '' I told her no, they had all they needed for 605B and they were to block within 4 days. She said they was not going to block because anyone could just go down and get a police report and claim ID theft. I told her that wasn't a judgement call for her to make that 605B requirements have been met and they needed to block I know the law well enough to know that there are only 3 reasons a CRA can refuse to block : 1. If the request is made in error. ( It's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If they had knowledge the consumer received goods or services with the transaction ( which I have not ). If the CRA follows the FCRA exactly, then it MUST put the identity theft block in place, within 4 business days, once it receives an identity theft report from a consumer. None of these is the case, so I want to know exactly why they are willfully breaking the law.
Consumer complaint received 2019-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TN)

I was issued an inaccurate XXXX. Citi sent the wrong numbers to the IRS. They claimed to have paid me {$800.00} in 2018 interest. In fact, they only paid me {$400.00}.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Dealership had towed the car back and working with XXXX to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, XXXX reported the Experian that the payment was late 30 days.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NJ)

My future employment used a company by the name of Lexis Nexis to do a back ground Consume check and it came back with 2 Judgments and a bankruptcy. I've never filed for bankruptcy. There is a different 1 - Judgement - An XXXX XXXX. I don't owe nor did I apply for one.

2 - Judgement - New York State taxes. The person with these Judgments has my same name and it's clearly not me because the Social Security is a different.

There has been a delay with the hiring process.

Please help me. This is insane
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX, 2023 I certified mailed with return receipt, 3 disputes to 3 credit reporting agencies. I found multiple violations, inaccurate information, wrong addresses and names and many inconsistencies.

I was never notified via mail or email that my disputes were seen or heard.

This carelessness in reporting has ruined my credit score and reputation. one of the accounts they have in " collections '' is open and I am actively payi
ng on!!!!

Please help me uphold these companies to the standards they have set!!

I am asking these accounts be removed and all three credit reporting agencies are held accountable for ignoring my disputes and not responding or even opening a dispute in 30 plus days Kindly, XXXX XXXX
Consumer complaint received 2022-08-28
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. (FL)

In accordance with the Fair Credit Reporting act, 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 Credit inquiries I don't recognize in my Credit Report : - XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX Bank XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

XXXX  charges of {$150.00} total XX/XX/2019 placed on my account. 
Correct account adjustments made to account by card issuer XX/XX/2019. 
XXXX charges changed to XXXX XXXX charges after this. 
( {$39.00} each times 4 charges ) ID THEFT/FRAUD XXXX XXXX charges of {$470.00} placed on my account, statement closing date:XXXX. ( {$39.00} each times 12 charges ) ID THEFT/FRAUD XXXX XXXX charges of {$550.00} placed on my account, statement closing date:XXXX. ( XXXX each times 14 charges ) ID THEFT/FRAUD XXXX XXXX charges unresolved But card issuer notified by Certified Mail that I refuse and deny both charges of {$470.00} and {$550.00}. I DID NOT ORDER these items and have NOT received any items called XXXX XXXX to date. I have contacted card issuer via Certified Mail. Requested a new credit card after corrections made and then transfer balance to new card.