davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (NV)

XXXX XXXX Keeps sending me to collections for a bill that is not owed I had a prepaid account so I paid I advance for services and upfront I have no contract with XXXX XXXX XXXX and XXXX  both took the collection off and now XXXX XXXX  sold it to another 3rd party company and now it is back on my XXXX credit report with a different collection then before Company called focus receivables management XXXX XXXX should be in trouble hirting peoples credit for bills that are not owed to them my credit score went down 75 points for a bill I do not owe XXXX should now be allowed to do business that way
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

US Bank auto lease reported a 30 day late payment on my report on XX/XX/2018 but the vehicle was purchased by a car dealer and traded in for a different vehicle on XX/XX/2018 before the lease payment due date on the XX/XX/XXXX every month. Attached doc showing trade in and purchase of the USB lease vehicle : XXXX XXXX XXXX
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

This debt was disputed and deleted from my credit reports. This was disputed and removed in XX/XX/2019. Now in XX/XX/2019, the collection agency has put the deleted debt BACK on my report. This is over 5 months later, after being disputed and they did not/ could not verify the debt. I do know that according to the Fair Credit reporting Act, that a debt can not be put BACK on a credit report if there is no new action taken by myself or if Im not notified. This is illegal. I want this debt removed immediately.
Consumer complaint received 2021-11-16
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. (MN)

I to ask why I was not given the correct offer I saw on the website when I applied. 
On XX/XX/XXXX, I applied for the Chase Marriott Boundless Card because I saw a " For the First Time XXXX Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. offer on the Chase website. I then followed Chase 's instructions and called them to confirm my application on XX/XX/XXXX. I checked the Chase webiste and the offer for Chase Marriott Boundless Card was still " For the First Time XXXX Bonus Points '' if spending {$5000.00} in the first 3 months from account opening. The customer service person told me my card was approved and shipped out. But he did not mention my rewards, so I thought the opening account rewards would be as it was stated on the website ( XXXX bonus points ). However, I then received an email from XXXX. The email included a {$250.00} eGiftCard and stated " And remember once your Boundless Card arrives in the mail, use it to earn XXXX bonus points when you spend {$3000.00} on purchases in the first 3 months. '' I called Chase customer service on XX/XX/XXXX to ask why I did not receive the bonus points as advertised by them, since the reason why I applied for this card was the attractive bonus points offer. 
Since they are not giving me the introductory offer shown to me on their official website, I believe this constitutes false advertisement by Chase.
Consumer complaint received 2019-10-18
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. (IL)

I noticed an increase on my loan amount from XX/XX/XXXXfor over XXXX, with XXXX XXXX XXXX. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/2019 I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how XXXX XXXX XXXX has handled this issue. These information appeared 2 weeks ago because on Equifax, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Removing a 30 day late recorded in XX/XX/16 and removing a 60 day late recorded in XX/XX/16. 

I had opened up a secure credit card and began using it to help build my credit rating. I was told to use it and then pay it off every month to maximize my score. I had maintained a {$0.00} balance for almost two years on this credit card. One day I was notified that I had an outstanding balance and that it hadnt been paid for 2 months. I called to inquire about this outstanding balance because I had always paid it to {$0.00}. I was given no answers on what the charge was for and had my credit significantly lowered as a result of this mistake. 

I am unable to get anyone to provide details on why these late payments were recorded on my credit profile. This is severely impacting my credit score and prohibiting me from securing financing on a home loan.
Consumer complaint received 2019-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

Someone was able to gain access to my Western Union online account and they tried to send money to an individual by the name of XXXX XXXX  XXXX XXXX XXXX XXXX. I received an email notifying me of the transactions being made and went ahead and cancelled the transactions and notified my Bank of the fraudulent activity and removed my payment information from my Western Union account. I tried changing the password and was unsuccessful, so I contacted Western Union via a chat session. While, I was online resetting my password the Hacker was able to regain access to my account and add additional debit cards that were not mine and tried to send more money via my account. I was not able to cancel one of the transactions so I informed the chat agent of the situation and he was able to suspend the transaction, since I reported it as fraud. I was then advised to contact Western Unions fraud department and they were able to further assist me with canceling the transaction and deactivating my account. While on the phone with the fraud department the hacker once again tried to make another transaction, and I was able to cancel it. I reported this to the agent and she was able to flag it as fraud. While on the phone with Western Unions fraud department the hacker tried to call me and perform a vishing attack, the person called me from the following number : XXXX. I reported it as spam online and with my carrier.
Consumer complaint received 2023-07-27
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I noticed an increase on my loan amount from XX/XX/XXXX for over XXXX, with Fifth third bank. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/XXXX I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how Fifth third bank has handled this issue. These information appeared 2 weeks ago because on XXXX, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (TX)

I never gave Experian or its XXXX Experian solution Services any written consent to report anything on my consumer report. NO consent is IDENTITY THEFT Pursuant to 15 US Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Experian or its XXXX Experian solution Services any written consent to report anything on my consumer report FTC Complaint number is XXXX IF Experian representive thinks I received goods the representative must sign under penalty and perjury that his/her statement is true and they must also provide their proof of claim to make it accurate and factual
Consumer complaint received 2023-07-27
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Management Outsourcing, Inc. (FL)

TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT NATIONWD REC XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWD REC XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1979 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  & trans union shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied.
I 've checked my credit report. And it shows everything is closed besides a student loan of  XXXX  who 's payments are current.
Why em i being denied as if I have some collection issues
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates (AL)

-This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account which we did not agree upon and I didnt sign an aggregation on either. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper XXXX step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and they clearly violated my rights.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

Santander was my first auto loan distributor and when I got a car through XXXX XXXX, Santander was paid the remaining of my balance I owed in full. On my credit report Santander still shows up as a potential negative inquiry and I thought Santander would be deleted from my credit history once they were paid off.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

I applied for a mortgage XX/XX/XXXX. At that time I was notified by XXXX XXXX XXXX, that there was a problem with my credit history. 
They stated that Synchrony Bank/XXXX XXXX  was reporting my account as I was deceased. 
XXXX XXXX closed my account by mail in XXXX, and my account at that time had a zero balance. I never used that closed account again. 
XX/XX/XXXX, I called Synchrony Bank/XXXX XXXX and asked why they were reporting that I was deceased. They could not answer me. And I asked where they received that information. They refused to tell me.

I now have just received a letter from Synchrony Bank/XXXX  XXXX with  inaccurate information. Which was never reported. They are now reporting as if I did not pay them. This is not true.
Consumer complaint received 2022-12-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (CA)

XXXX Issue- I previously had an issue with Bridgecrest calling and thought I had the issue resolved. I spoke with upper management whom informed me of my rights. At the conclusion of our call I informed her that she could leave my call preferences as is and assured me Id be contacted XXXX per day and that I could call back at any moment to update my call preferences. 

On XX/XX/22 I received a call while at work that I did not answer. When I checked the message it was from Bridgecrest. I called the number back and stated I wanted to update my call preferences. I explained I had spoken to corporate and was informed of my call preference rights and would like to invoke my rights. The male rep asked how would I like my call preferences updated and I said do not call I will call you. He proceeded to rattle off that if I did what they call a cease and desist that this would alter Bridgecrest repossession policies and the vehicle would be up for repossession at any day. ( This is a form of retaliation- I cant call you so since I cant call you we will repossess the vehicle sooner than we said we would ) I explained him that this is all new information since there was no mention of this during my previous call with corporate and this is basically a threat for invoking my rights.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I ordered two items XX/XX/XXXX on Saks off 5Th online. I never received the items, I called Saks Off 5th to inform them that I didnt receive the two items and they were going to ship the items to me but they did not have them in the size I needed them in, so I was told that my card would be credited back for the items. I received an email on XX/XX/XXXX that I will receive the credit to my account and it show up in 10 business days. I thought the issue was resolved until I received a bill in XX/XX/XXXX, I called in XXXX and was told that it was taken care of. I started receiving collection calls about it so I called again in XX/XX/XXXX anXXXX XXXX  more times in XXXX, each time I was told it would be taken care of. I got a bill in XXXX which lead to another phone call and to me filing this complaint. This company has reported negatively on my credit and Im extremely disappointed. I call and Im placed on hold for hours for them to be dishonest with me. I offered to forward them a copy of the email but they give me email addresses that cant receive emails. At this point Im ready to take action against their predatory actions.