davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (MS)

I saw this fraudulent debt on my credit report around XX/XX/19. I contacted XXXX, XXXX and XXXX to inform them that this debt was not mine. I filed a complaint with the FTC after reaching out to the name listed on my credit report. When I reached out to IQ Data International, Inc. They informed me that they do not have to prove the debt is valid. I wrote them the letter supplied by the FTC. I submitted the documents requested by the FTC, Federal Trade Commission, to XXXX, XXXX and XXXX. XXXX is refusing to remove this fraudulent debt. This debt is fraudulent due to identity theft. Ive communicated this to XXXX, XXXX and XXXX. XXXX  is the only credit reporting bureau refusing to remove the debt. Ive spoken with XXXX, XXXX, XXXX, XXXX and several others. All to no avail. Theyve treated me unprofessionally and have continued to compromise my credit score to this fraudulent debt. I believe this is personal. I believe the actions of the staff in The Office of Consumer Affairs, at XXXX are intentional, deliberate and malicious. When I call XXXX, I can not speak with any of the representatives. After confirming my identity, I am immediately transferred to The Office of Consumer Affairs where I am treated horribly. The staff play games with the dispute process, open cases, close cases, again and again. Theyve confirmed receipt of the FTC Complaint for fraud due to identity theft and still refuse to remove the fraudulent collections debt from IQ Data International. Their pattern of behavior is unfair, frustrating and tiresome. This fraudulent debt should never have been allowed on my credit report. XXXX is the only Bureau continuing to allow it to remain. I have attached page 1 of more than 10 pages of lawsuits currently filed against I Q Data International.
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account and the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (NC)

I am a retiree. I am writing regarding a health savings account, with Optum Financial, previously called Optum Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I have tried four times to close this account and get my remaining money out. I have been repeatedly assured the account has been closed, and I would receive a check within about 10 days. Each time, the check has failed to arrive. After looking online and finding hundreds of complaints about this bank, I am reporting it. It is a travesty when most bankruptcy occurs via medical debt, and our health insurance system is broken, and powerful interests want to eliminate Medicare and Social Security, and etc., that people who save money for health care are being treated like this. I tried to close this account on XXXX, XXXX, XXXX, and XXXX. Believe me, I have complained to them with increasing intensity. Apparently the bank changed in management during this period, however, the same problem has occurred with both the old and the new management. Something needs to be done. Thank you XXXX XXXX. I never expected to need the services of the CFPB. I never expected that an actual bank could get away with something like this. Also, I believe Optum is owned by XXXX XXXX. Is this not a major health insurer? This is just a travesty, that these big corporations who hold such power are failing so badly.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TN)

In early XXXX I opened a Citi Checking and Savings account under their offer similar to the one seen here. ( The offer dates are different in the page below but the terms are the same ) https : //banking.citi.com/cbol/checking-400/default.htm? BT_TX=1 & ProspectID=F216997A8DDF4A5F8855F94BE805F736 The offer was as follows. 

Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

After all required activities are met, the {$400.00} bonus will be deposited to your account within 90 calendar days! 

I met all of the above well within the 30 days of account opening. I have waited over 90 days for the {$400.00} bonus as well as attempted to contact Citibank to resolve the issue. No one responded to my attempts to contact so I am filing this complaint. It is my understanding that many others who opened accounts for this same bonus are having similar problems.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-09-27
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019 I used a Chase Amazon Visa to pay a bill at XXXX, Texas XXXX XXXX. XXXX XXXX XXXX charged my card for {$670.00} ( the bill actually showed total due of {$570.00} ). The Dental office claimed insurance would not pay, and that's why they demanded more money. Later we discovered the insurance company did pay {$570.00}. Chase Amazon Visa was notified that not only was card overcharged, but insurance was paid, to XXXX XXXX XXXX. Requested refund to card from Amazon ViXXXX, and have been refused twice. Chase Amazon Visa claims : " there are no billing errors ''. The Dental office continues to maintain : " insurance did not pay ''. Chase Amazon Visa is  obligated to return funds to my account, as the dental office has been paid twice ( more than twice ) for the same procedure. Chase Amazon Visa has also been presented with proof that XXXX XXXX XXXX did pay the dental office {$570.00}, but will not acknowledge the receipt of payment.
Consumer complaint received 2019-04-02
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. (MO)

XXXX and Transunion are reporting incorrectly that I am past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-31
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

First, thank you for reviewing my complaint regarding American Express Billing. 

I have spent tens of thousands of dollars with American Express and I always paid my bill on time. I misplaced the the bill due on XX/XX/19 and I was 3 days late in making the payment due date ( the bill was processed on XX/XX/19 ). On my bill due XX/XX/19 I was charged {$35.00} in fees and {$32.00} in interest. I called AMEX to see if they would waive the charges having done so much business with them and only being late this one time by just three days. They refused to accomodate me. So, I paid the bill in full ( Fees and interest included ) on the due date XX/XX/19. On my next bill ( due on XX/XX/19 ) I was charged an additional interest fee even though I paid the previous bill on time with all fees and interest. I called AMEX and the representative stated that they could not waive these additional interest charges on the XX/XX/19 bill even though I paid my previous bill in full and on time with the interest and late fee charges. Again, I explained the previous bill was paid on time, in full, including fees and interest. He stated they call this " trailing interest ''. I call this a deceptive and preditory practice that should be eliminated and never allowed to protect the public from misleading and ambiguous billing pratices. I paid off the balance ( less this " new trailing interest charge '' ) and I closed my account. AMEX continues to harass me with additional interest chages and late fees when I paid my bill in full. The original " trailing interest '' charge was {$19.00}. AMEX continues to charge me late fees and interest on the interest. The latest bill states I now owe {$89.00}. This is harassment and it's wrong.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Collections Inc (ME)

A company states I owe a debt. I was traveling and they could not reach me. They contacted atleast 3 other people Daily that I  know and told them they were collecting a debt, How much the debit was and the company they are collecting for. Attached please find a voice message left for one of those people. They call these people daily. 
I will be contacting them today but it is illegal for them to contact others and state they are a debt collector and give them all of the debit information including amount client and saying they are a debt collector
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

Today I noticed through my free credit score tracker that my score tanked 47 points due to an account closure. I haven't cancelled any accounts recently, so this seemed pretty odd to me. 

I went through my spam emails and discovered an email from Comenity Bank saying they would close my account due to non-activity. 

It is extremely disappointing that I only received one email, and that no other forms of communication such as mailed letter or phone call were attempted. 

My score has gone from " good '' status to " poor '' in the matter of an instant and that really hurts. 

I called Comenity today and they said there was nothing they could do and offered no support whatsoever.
Consumer complaint received 2019-10-03
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: Experian Information Solutions Inc. (TX)

On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my previous written requests for TRANSUNION to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file TRANSUNION ignored my rights and instead told me that they are labeling my dispute as Frivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.1. The following personal information is incorrect : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX. I opened one Everyday checking account with Wells Fargo in person - at a local branch, using my current email address, mailing address, phone number, and my state of Florida picture ID to verify my identity XX/XX/XXXX. : After logging in on wellsfargo.com, I noticed XXXX additional Everyday checking accounts were opened on XX/XX/XXXX, without my knowledge, consent, or authorization. 

These accounts were opened without the {$25.00} minimum deposit that's required to open up an Everyday checking account, and no money was taken out of my legitimate Everyday checking account Further, both fraudulent accounts were opened by Wells Fargo, even though my personal information on each of the respective applications did not match with what they already had in their system : Wells Fargo opened up these XXXX fraudulent checking accounts even though : My current email address did not match My current mailing address did not match My current phone number did not match My current picture ID did not match. 
My current job description and title did not match And both IRS XXXX that were submitted, along with both applications, were forged, under the penalty of perjury, which is a felony under federal law. 

As luck would have it - they had used an old email address of mine to open up these accounts- so I was able to retrieve both fraudulent applications and both fraudulent XXXX that were submitted, and approved, by Wells Fargo 2 years ago - Wells Fargo paid the Justice Department {$3.00} XXXX to settle a case for doing the exact same thing as what they did to me. 

If an outside entity had stolen my personal information and tried to open up these accounts - I would imagine that Wells Fargo would have rejected these applications, because none of my personal information, other than my name and social security number, matched with what they had in their system Inside job - plain and simple
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arnold Scott Harris, P.C. (IL)

**I filed a ch XXXX BK in XX/XX/XXXX** I was sent a bill for over 5,000 for old parking tickets dating back to XXXX. Most tickets were under an " XXXX XXXX '' and 2 cars were not mine. I called the city to dispute and they told me to get a letter from the secretary of state stating those cars are not mine or records purged. I sent them that letter in XXXX and to this day they have not removed the tickets. My car has been booted/impounded. I got on a payment plan with Arnold Scott Harris ( collections ) who is very aggressive and refuses to send me a monthly statement or bill. So i never know when my payment is due and what I owe. 

I keep falling off the payment plan due to this and when i do they suspend me from XXXX/XXXX and put me on the boot list. Everytime I call Arnold Scott Harris back they shake me down for another 50 % down which I don't have. I have sent both the City and Collections the letters from the Sec of State showing those cars are not mine, but they go ignored and aggressive collection activity continues. 

Also, I filed a Ch. XXXX BK in XXXX which qualifies me for the City of XXXX 's " Fresh Start '' program, which waived all tickets older than 3 years. Both the collection agency and the city are aware of my BK ( I have emails proving all this ) and they have not waived my old tickets. 90 % of my tickets are older than 3 years. Please help!
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

US Bank fails to accurately calculate my escrow used to pay my tax bill. I also sent them my correction letter of Taxes from XXXX county to show my taxes reduced from {$7500.00} to {$6800.00}. The website after 30 days finally reflected my current year taxes to the correct amount. however, I checked again and now its back to {$750000.00}. I am constantly being overcharge for my escrow as they originally assessment my taxes at {$12000.00}!! Much higher then it actually is. They overcharge me monthly for my escrow, then issue me a refund for a portion of it. Then once again, they increase my escrow and call it ( escrow makeup ) after they just issued me a refund. 

This has been going on for over a year and I have constant conversations and secure emails with the team with no resolution.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've asked XXXX XXXX directly as well as TWO complaints via CFPB. The company is refusing to respond to complaints both to myself and CFPB!!! This has been for months. This is not mine. I need this taken off my credit report ASAP, please!!!