davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American express recently cancelled my two accounts Which I had since 2016, XXXX ending in XXXX and XXXX. 

Not only that, they also discontinued {$10000.00} credit line they gave to me in the form of Kabbage ( which changed to Amex XXXXXXXX ) recently. 

I have made big purchases from American express credit cards, like recenly I purchased a XXXX, have been doing online shopping from different stores, like bed, couch and lots of other things. 

I was really dissapointed that out of no reason two of my american express credit cards were closed.

To all these people looking at my complaint, I will highly advise you not to open or use American express credit cards, they can close your credit cards giving lame excuses.

There are lots of other credit cards you can use and rely instead of American Express.

I would highly advise not to use and not to open an account with American Express at all.
Consumer complaint received 2022-06-14
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. (MD)

BASED ON AGE OF ACCOUNT BY XXXX ACCOUNT SHOULD BE DELETED XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
age of account XXXX XXXX XXXX : XXXX View account details Account status Age of Account Closed 10 years 6 months 24 days
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

This debt company is attempting to collect a debt from me I believe is not mine. They are damaging my credit by reporting this debt to be accurate. I have not lived in Michigan for some time. I am contacting an attorney due to this fraud.
Consumer complaint received 2019-03-22
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: SUNTRUST BANKS, INC. (GA)

I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
Consumer complaint received 2019-03-22
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. (GA)

I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AZ)

Ok so I recently discovered my identity was stolen and reached out to this collection company over XXXX times and told them it's not my account and it was opened fraudulent without my permission. They continue to report to credit bureau that's it's my account and not trying to remove. I reached out to the original creditor which is progressive insurance and spoke with the head of the fraud department and after there investigation they did find what I was saying was the truth and even wrote me a letter stating thus was fraud and needs to be removed from my name and credit report but the collection company won't listen to anything I've said and I've even sent them copies from progressive and still I get nowhere
Consumer complaint received 2018-04-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

On XX/XX/XXXX I went to Nisan Motor as a co-signer for buying a car to my brother but My brother is didnt eligible for loan. The sales representative told me he is going to run my credit just one time for credit inquiry but he did 4 hard inquiry. 
1. XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. Nissan Motor Inquiry from XX/XX/XXXX 4. XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery and XXXX funding ( XXXXT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed
Consumer complaint received 2019-03-22
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: DISCOVER BANK (CA)

In XX/XX/XXXX/XX/XX/XXXX, my husband and I received promotions for Discover credit cards that offered " 5 % cash back on everything ''. We quickly applied and were approved. ( I believe I even called Discover to confirm it was 5 % cash back on everything ). In XX/XX/XXXX, we began using our Discover cards for ALL our purchases, expecting 5 % cash back, but I called Discover today and we are only getting 5 % on certain categories of products, with a ceiling on how much cash back we can receive, and only for this XX/XX/XXXX, and were getting 1 % cash back on everything else. 

On XX/XX/XXXX and XX/XX/XXXX, I received emails telling me to " activate 5 % cash back '', which was a quarterly program on certain categories of products ( groceries, gas, etc. ). We should've already had 5 % cash back on everything, so I thought this was an additional bonus and I activated it. I suspect that when I activated this, the original cashback reward program we were enrolled in changed, because nothing in the original offer ( a ) put any limitations on cash back purchase categories or ( b ) put a timeframe ( quarterly ) on the offer or ( c ) mentioned we would receive 1 % cashback on everything else. 

A Supervisor named XXXX at Discover in OH ( XXXX ) told me today " if I had the original offer they could adjust my account. '' Unfortunately, I don't have the original offer code, but I've asked them to have their " applications team '' look up our original applications with the specific " offer code '' they gave us, which would prove the details of their original offer. Unfortunately, they are in complete control of the outcome of this investigation -- because they ( a ) are the only ones who have the offer code ( I mean, who saves those? ) and ( b ) they can say whatever they want about what the details of the original offer were. 

Until we got our Discover cards, we had been using a credit card that offered 3 % on everything. We would never have knowingly switched to a card that only offered 1 % on everything and 5 % just on certain categories of purchases, only for one quarter, and with a limit on how much cash back we could receive. 

In the first 5 months that weve been Discover cardholders, weve spent at least {$13000.00} on one of the cards, so we were expecting about {$650.00} ( 5 % ) cash back. Weve received {$160.00} so far. Thats about {$500.00} that we were expecting but wont get. 

I was misled, and Im not sure how to prove it to you now. Who saves credit card offers they receive in the mail? I believe that Discover assumes that people do not receive those mailed promotional offers and takes advantage of peoples innocence to later bait and switch the rewards program they offer you when they see just how much cashback youd be eligible for under the original offer. 

Well see the outcome of their investigation, but I dont trust them anymore.
Consumer complaint received 2022-06-14
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights : XXXX - XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern, i have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is UNAUTHORIZED and i did not approve it to reflect on my credit reports. XX/XX/2022 I sent a letter to Experian and requested 3 TIMES to delete all payment history from all closed accounts. Experian is in clear violation of the law. Under 15 USC 1681b - I, the consumer and natural person, never gave Experian written instructions to furnish my credit report. Under 15 USC 1692 ( a ) - abusive practices. This is an invasion of privacy. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NJ)

Debt Collector : Caine & Weiner ( C & W ) Account # XXXX Creditor : XXXX XXXXXXXX XXXX I settled the referenced debt with Caine & Weiner, attached is proof the debt was paid. Today, XX/XX/22 I received a letter from C & W collecting a remaining balance of {$340.00}, letter attached. It is my understanding that once an account is settled, the debt collection agency can not contact us. Please assist us in getting this resolved. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I sent a certified letter to XXXX and Equifax to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I received a text from Bank of America claiming someone tried to XXXX themselves money. After I replied NO that it was not me, I got a Toll Free Call, which Ive received before from BofA. I went through the process of confirming my entire bank account, name, address, birthdate etc and was told that I needed to reverse the charges by typing the code that I received into XXXX and reverse the {$3500.00} money transfer and it would reverse in 30 minutes. I have filed a claim with my bank and hoping this gets reversed.
Consumer complaint received 2022-02-02
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. (PA)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Our mortgage was in XXXX through XXXX bank. We were processing a partial claim to allow us to resume normal payments in XX/XX/2021. During this process we completed the interview and the partial claim was approved. At that time the mortgage was sold to Flagstar bank. Flagstar agreed that they had received the documents from XXXX and were processing the partial claim and required us to pay over the phone each month until it was completed. 
As of today, XX/XX/XXXX, no resolution has been achieved. I spoke to an escalation XXXX, XXXX XXXX department XXXX ), and he reported that they received the documents in XX/XX/2021 but a notary signature was not legible. I asked who had processed the paperwork and why no one had let me know during any of my telephone conversations each month. He did not provide that information but wanted to see if they can still process the claim or if they need to start the process over again.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, and XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-02-25
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: AMERICAN EXPRESS COMPANY ()

I noticed fraudulent activity on my American Express account. I disputed the charge with American Express and then requested they close my account afterwards. I received a confirmation letter indicating the account was closed. Several days later, I received a bill from American Express for an unrecognized American Express account. I attempted to resolve the matter with American Express, however the representative requested I provide them my SS number. Since I believe the source of the security breach is American Express, I am highly reluctant to provide my SS number to an overseas call center.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My issue is with Experian. I've written 4 dispute letters in regards to the following accounts below. I asked on 3 different occasions for their method of verification showing this is my debt. I continuously just get a letter saying verified. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX I received a letter stating they will no longer reinvestigate these accounts again.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (CA)

There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 2021
Consumer complaint received 2019-03-22
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. (DC)

Currently I have been in the process of getting a mortgage. I started this process back in XXXX of XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX, XXXX equifax, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, XXXX increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX XXXX a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.