davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have contacted XXXX, Experian, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX apartment community allowed to be opened in my name as a result of identity theft. I have told XXXX  l, Experain, and XXXX that the original account from XXXX was fraudulent and that the collection that XXXX   placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, Experain, and XXXX a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.
Consumer complaint received 2023-07-04
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. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I disputed the validity of the account from XXXX - XXXX XXXX XXXX on XX/XX/19 with the credit bureaus. They said that the debt was verified and did not remove it. On XX/XX/19 I sent a letter to XXXX directly requesting them to provide me with validation of the debt such as a contract with my signature and an account summary. On XX/XX/19 I received a letter from XXXX stating that the debt was " verified ''. I did not ask for verification I asked for validation. They did not send any of the validation documents to prove that I owe this debt. I want this account removed from my credit reports immediately.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America promised me a temporary credit after 10 business days of a pending investigation of two fraudulent charges on my account. 

I am filling this complaint with the expectation that BOA left me with, which is there will be a temporary credit for the two transactions in question no later than today.

Its on a recorded call, several agents say to me that after 10 days I would receive a credit, it has been 14 days ; 10 business days and I need them to keep their word.
Consumer complaint received 2020-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

In XX/XX/2019 I transferred a balance to XXXX to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the XXXX website. I verified my first payment went through without an issue in XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from XXXX in XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my XXXX account details and my auto pay details. I called XXXX to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with XXXX and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from XXXX has been appalling and I hope that by filing this complaint XXXX tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to XXXX  failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like XXXX, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of XXXX do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.
Consumer complaint received 2023-07-05
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. (TN)

I WAS LOOKING OVER MY CREDIT REPORT TO BUY A NEW HOME WHEN I SEEN SOME ACCOUNTS LISTED ON MY REPORT THAT I NEVER DID BUSINESS WITH THESE ACCOUNTS ARE HURTING MY CREDIT AND WAY OF LIFE AND I WANT THEM REMOVE.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am being made to fund my monthly escrow more than double the amount what is owed in taxes. 
In 2018 I was charged over XXXXUSD per month and at the end of year sent a cheque of XXXX USD. 
I requested my mortgage service company and bank for a escrow recalculation and they adjusted my monthly escrow payment by XXXX USD which equates to only XXXX USD a year. 
Despite protesting multiple times and sharing the full property tax statements with them which they settled themselves their response has been completely dismissive and they continue to overcharge me for escrow well over what is required. 

Broadly the breakdown settlements being made from Escrow are as follows : Property Tax - XXXX USD MUD - XXXX LID - XXXX Insurance - XXXX Total - XXXX USD Whereas the annual collections are more than XXXX USD towards escrow which the bank is refusing to adjust despite having settled the taxes and seen the trend of expenditure.
Consumer complaint received 2022-09-17
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: Chime Financial Inc (OH)

My utility company, XXXX XXXX issued a return of payment/ refund in the amount of {$1000.00} on XX/XX/2022 and Chime has yet to post the credit to my account. The credit was not posted still after a three way conference call with the vendor, who submitted electronic proof of the refund.
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I have recently started using XXXX XXXX and find it to be an excellent service. I also assumed the service offered consumer protection since it is being used by major banks. I recently made a purchase to an unknown individual using XXXX XXXX to purchase concert tickets that a person on XXXX advertised they had. 

I went on XXXX and saw an event scheduled in my area for XX/XX/19. The event was for XXXX XXXX concert at the XXXX XXXX XXXX XXXX. A XXXX user made a comment on the event that they have tickets available because they are not able to attend. I messaged the person who claimed to be XXXX XXXX on XXXX to see if the tickets were still available. Hours later the person claiming to be XXXX XXXX contacted me informing me the tickets were still available and to make an offer. 

After messaging back an forth we agreed on a price of {$100.00} for two tickets. The person claiming to be XXXX XXXX requested that I send the money through XXXX XXXX. This person also requested screen shots verifying the money was sent and deducted from my account. The email address I was told to give to XXXX XXXX to have the money sent was XXXX. The person claiming to be XXXX XXXX informed me that the account was under her husband 's name which is XXXX XXXX. 

I gave the person claiming to be XXXX XXXX my email address to send the tickets to. I sent the screenshots per the request of the person claiming to be XXXX XXXX verifying that I had sent the money. The person claiming to be XXXX XXXX informed me that she was at work and would be sending the tickets in 20 minutes. This was approximately XXXX EST. Hours later when I checked my email I noticed that the sender did not email me the tickets. 

I went to message this person on XXXX and discovered that their account was deleted. The messages we sent to each other on XXXX were also deleted and I have no access to them.
Consumer complaint received 2019-04-16
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. (MI)

My XXXX  XXXX and XXXX XXXX accounts are reporting inaccurately 1. XXXX XXXX account # XXXX reporting a balance of {$960.00}. the actual balance is {$810.00} and its reporting a 30 days late payment for XX/XX/2019. I have never been late at anytime with this account and need this corrected as I am in the process of buying my very first house. 

2. XXXX XXXX account is reporting a wring balance of {$180.00}. I have a XXXX balance
Consumer complaint received 2023-08-29
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AL)

I applied for an American Express card which is connected to a XXXX XXXX program. In applying for the card, there was a promotion for after spending {$1000.00} in the first 3 months, I would receive XXXX bonus points and one free nights stay to use. 
On or about XX/XX/2023, I received notice that I had earned XXXX points and a free night to use. I was able to book a free night but I was not able to use the XXXX bonus points. I called American Express and spoke with a representative who expressed that the points would be available around XX/XX/2023. On or about XXXX the XXXX, I called American Express. After speaking with another representative, I was told that the information the last representative provided was incorrect and the points would not be available until XX/XX/2023. On the XXXX of XXXX I spoke with XXXX, who expressed that the billing cycle had just closed and XXXX XXXX would be available for use on XX/XX/2023. On XX/XX/XXXX I spoke with XXXX, who told me the points were sent to XXXX on XX/XX/2023. I asked to speak with the supervisor because each time I call I was given a different story of when the points would be available for use. Art was the supervisor that I was connected with. He expressed that the points were transferred to XXXX XXXX on XX/XX/2023 and there was nothing else American Express needed to do. He expressed that if the points were not showing they were under review by XXXX XXXX, not American Express. After speaking with XXXX, I called XXXX XXXX. I spoke with XXXX XXXX at XXXX XXXX, and she expressed that American Express had not submitted any points to my account and no points were under review. I explained that I keep getting the run around from American Express and XXXX XXXX. XXXX XXXX reached out to American Express on a XXXX call. She called and spoke with XXXX, the supervisor. He told her that the points had been transferred. Once she said that no points had been transferred nor were any points under review, XXXX began making every excuse he could as to why the points had not been transferred. He realized just XXXX minutes earlier he had told me a very different story. 
The spending requirement was met within the first 30 days. On my XXXX statement, XXXX, XXXX points were available for use. My XXXX statement reflected XXXX points to use, making the total number of points XXXX to use. However, none of these points are available for use with XXXX XXXX. 
Therefore, I would not have booked the free night if I was unable to use the points as well. I would have waited till both were available. Now I am told, if I cancel the free night, I will be charged approximately {$450.00} as a cancellation fee. This has been the worst customer service experience of representatives not knowing their jobs and a supervisor lying to make the company look good.
Consumer complaint received 2021-02-15
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: CITIBANK, N.A. (CA)

On my reports there is a closed account with huge amount of missed payments. MACY'S/DSNB XX/XX/XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

PER REPORT XX/XX/2019, TRANSUNION I have continued to report this to the CFPB and nothing happens. TransUnion and XXXX continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

Jefferson capital garnished my wages and state income taxes, they received more than the garnishment was for, so the extra {$79.00} was applied to a zombie debt from 2013, now they are refusing to close the accounts I paid off via garnishment because they reopened that old account from 2013, this is wrong and it's past the statue of limitations on that debt. The garnishment was for the debt for {$470.00} and {$790.00}, those were paid, those are what I have disputed several times to have removed from my report, I have signed judgement paperwork stating I paid that in full, It wouldn't let me submit it with the dispute or I would have. Now Jefferson capital is sending me settlement letters for the 2013 debt since they reopened that account!! Ridiculous!
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX  XXXX  EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX =THIS ITEMED IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO XXXX   XXXX   XXXX XXXX  XXXX  XXXX  I REQUEST THAT MY BANKRUPTCY BE REMOVED
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (CT)

M & T bank aquired Peoples United bank where I hold several accounts. My access was denied from XXXX through XX/XX/2022 for the merger to take place. Since then I have not been able to access my checking account for online banking. I have attempted to call the bank and have not been able to get through. I have sat on the phone for hours. I also wrote to them and went into a branch. They have not replied to my online message and the branch manager said they can't do anything to help. They suggested that I keep calling and be patient. Meanwhile I can't pay my bills. M & T should not be allowed to function as a chartered bank.
Consumer complaint received 2021-02-18
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: WELLS FARGO & COMPANY (CA)

There are inquiries on my credit reports on XX/XX/XXXX and XX/XX/XXXX that do not belong to me I have not approved nor inquired for these accounts. 

WF CRD SVC - Inquiry date : XX/XX/2021XX/XX/XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXXXX/XX/XXXX- Inquiry date : XX/XX/2021 2021
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

As of XX/XX/2019 : Portfolio Recovery Associates, LLC continues to refuse to provide me proof of signature, proving that I have a line of credit with their company. I do not and they do not have proof of signature of any contract of a line of credit with them. Furthermore, the two companies they are claiming they have bought debt and that I owe them money, XXXX XXXX and XXXX XXXX, Both companies, XXXX XXXX and XXXX XXXX also do not have proof of a signed contract between me and them. NO ONE has proof of a phone call/application being made, video surveillance of an application being made, proof of my legal signature. They don't even have my legal name, the way I apply for and sign all documents : XXXX XXXX XXXX. 

I have been going round-and-round with Portfolio, XXXX, XXXX, XXXX XXXX, XXXX and XXXX for over a year while fighting XXXX. I do not own these accounts. I never opened these accounts. Under the law, I have the right to sue for {$1000.00} for defamation of character for each offense. That is indeed my next step if ALL COMPANIES do not immediately remove these accounts from ALL credit reports and send me a letter of apology, removal and a check for {$1000.00} per report. FCRA 623 and FCRA 609 I am grouping all of this together. I want XXXX removed. I want XXXX removed. I want all Portfolio Accounts removed. FROM ALL CREDIT REPORTS. I willing to now follow through with law suit and my request for financial payment if they simply close and REMOVE all accounts IMMEDIATELY.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.