davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: GREAT LAKES (NC)

I wrote a letter to XXXX  and XXXX on XX/XX/XXXX about 11 negative accounts all with account # XXXX .... from XXXX XXXX for various amounts and 1 negative account from great lakes account # XXXX. I asked for verification and/or validation of the original instrument of indebtedness by way of contract or signed agreement. XXXX responded that they verified the debt with the company and I needed to contact XXXX XXXX for any paper work. I did just that. On XX/XX/XXXX I wrote a letter to XXXX XXXX and great lakes directly asking for the same information. As of this date XX/XX/XXXX I have not received any response of validation and/or verification. I sent another letter to both XXXX and XXXX on XX/XX/XXXX letting them both know that I had not received any response of validation or verification in the time frame specified by law under the FDCPA and the FCRA of 30 days, and that the debts should be removed from my credit report. As of this date I have not received a updated credit report and credit score.
Consumer complaint received 2019-01-06
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: AMERICAN EXPRESS COMPANY (NC)

Recently got an American Express/AMEX Gold card with a {$250.00} annual fee. That card is advertised as providing 4x membership rewards points on U.S. Restaurants and U.S. Supermarkets ( up to $ XXXX in annual spend ). The restaurant transactions routinely code improperly, as XXXX points, even though the establishment 's coding to AMEX is clearly listed as " Restaurant-Restaurant. '' About 30 % of charges on my last 3 statements code improperly. Many of these are third party processor issued transactions, such as from XXXX or XXXX, but not all. I have opened two customer service cases with AMEX. I've called in 4 times, and chatted via online chat 1 time, for updates. This is over a 6 week stretch. They keep stating it'll be 2-3 weeks upon which I'll get a call, but I have not. I remain unable to gain resolution on this issue. 

This issue has been reported on many major travel sites - from XXXX to XXXX, as well as on the XXXX AMEX forums and on multiple XXXX   pages. It is beyond unacceptable that a company such as AMEX can not appear to be able to systemically remedy this issue or handle customer service for it, appropriately.
Consumer complaint received 2023-06-13
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

We paid off our loan on XX/XX/XXXX. Our final payment was over in the amount of {$2900.00}. 
We were told funds would be released after ten days. 
On XX/XX/XXXX, we had not received the refund of funds so called to check on refund. We learned they had been sent to our physical address where we do not receive postal service mail. We were told a new check would be issued and sent to our P.O. Box. 
We called on XX/XX/XXXX to check on status of check, as it had not yet been received. We were told ( by customer service rep XXXX ) that a check had been mailed to our P.O. Box on XX/XX/XXXX, and we should continue to wait to receive it. 
We called back on XX/XX/XXXX to check status, and were told by supervisor XXXX that a check had been mailed on XX/XX/XXXX to our physical address, and they saw no evidence of any other checks having been sent. XXXX issued a case number, and said a new check would be overnighted for receipt by XX/XX/XXXX.

On XX/XX/XXXX when check was not received, we called and spoke with manager XXXX who said that a check had been sent, but in no way expedited, and we should wait 7-10 business days to receive that check. 
The banks phone system called us back about 30 minutes later, so we ended up speaking with customer service rep XXXX, who told us a check had been mailed to our P.O. Box on XX/XX/XXXX. When we asked her about the XX/XX/XXXX check she transferred us to supervisor XXXX. XXXX iterated that a check had been sent on XX/XX/XXXX, was not able to be expedited, so we should wait 7-10 business days for that check to arrive. 
At every turn, received different and conflicting information from each representative at 5/3 Bank, and were repeatedly asked to just keep waiting to receive the refund of our money. At no point were they willing or able to provide a more constructive or traceable solution to these many checks supposedly sent, but never received by us. In the mean time they have been in possession of nearly {$3000.00} of our money for a month, they the holidays and the turn of a new fiscal year.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I noticed on XX/XX/2018 from Equifax credit report, two credit card accounts issued by XXXX XXXX XXXX, which I did not open nor authorize. One of them has a balance of {$9900.00} but Equifax credit report does not show the account number that I can track. I notified on XX/XX/XXXX to XXXX XXXX XXXX   Fraud Dept. that I am a victim of identity theft and asked for investigation. XXXX XXXX XXXX could not locate these two accounts using my correct full name, social security number, birth date, nor the address. XXXX XXXX XXXX told me I need to rely on Equifax for providing full details of fraud accounts to XXXX XXXX XXXX to resolve the issue. I have so far disputed this fraud accounts to Equifax, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

Account Name : WF CRD SVC Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$610.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. Despite all credit agencies having the same account information, it appears Experian is disproportionally charging me with two erroneous delinquencies, thus unjustly impeding my credit score. It is clear by the 18 point difference between XXXX  and Experian. When speaking to the Experian representative on XX/XX/XXXX, she cited XXXX XXXX with account number XXXX as one of the erroneous two delinquent accounts circled on the enclosed page. Despite the other two agencies enclosed not citing any other delinquencies, Experian chose to cite this company even though it has not been servicing my loans for several years, and has been transferred and sold to XXXX. 

The customer service representative was abrupt and evasive when trying to explain why I was being treated differently than the other two credit boroughs. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX XXXX XXXX, and my current education loan through XXXX.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AZ)

Id like my inquiry looked into in regards to my Citi bank XXXX credit card. I noticed on my last statement that my APR went to 29.99 % up from the previous rate of 17.24 %. I tried figuring it out and did not see any late payments on my statements. I called and spoke to a very rude and sarcastic representative from Citi. She informed me that I had no late payments and would keep looking. She then started saying missed one here, missed one here and so on. I interrupted her because I got defensive and said What do you mean I missed one? She then stumbled to try and explain that I was in a penalty APR because I didnt make my payment in full. I said I was aware a couple months I did not make the full payment but when I realized it I paid the extra. Before the due date. She then stated Well because you have 5 times of this happening within 12 months we are raising your rate. I am beyond baffled. First of all Citi is the only credit company I have seen that changes its minimum payments by almost cent each month to almost catch customer off and enforce this very sneaky policy. A policy that exists for the sole Eason of them raising their rates. This coming off a recent case you won on behalf of customer because they refused to check customers account for rate adjustments. At any rate I did get a little rude because I feel I m being cheated as a consumer. I get it they are there to make money but at the same time they are. Simply because I didnt make the full payment due in one payment they are penalizing me by DOUBLING my APR when I have NEVER had a late fee. I could understand if I was late and they had late fee to prove it or if I was past due but that is not the case. I want my original APR reinstated.
Consumer complaint received 2023-07-12
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)

Experian is incorrectly reporting that I owe money to XXXX on two accounts totaling over {$30000.00}. I havent owed them money since XX/XX/2023 when my accounts transferred to XXXX. Ive been disputing this for months and experian keeps investigating poorly and refusing to remove the incorrect balances. 

XXXX and XXXX both fixed this within a few days, I dont understand why its taking so many disputes and a complaint to get Experian to act with integrity.
Consumer complaint received 2019-01-06
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: EQUIFAX, INC. (NE)

Equifax if the worst credit reporting agency! need your help once again in rectifying my credit report of a MEDICAL collection. I cant get a complaint lodged online no matter what avenue i try. I tried free annual credit report and equifax system does not recognize my credit report number! Tried calling them and got through to call center agents based out of the XXXX! Asked to speak to a supervisor called XXXX and she was extremely un-knowledgeable about US consumer debt laws and did not even understand what I was trying to dispute. If you are going to hire people, hire people that understand ENGLISH! 

Please help. I have been trying to get this MEDICAL collection removed off my EQUIFAX report. All other credit reporting agencies have removed it, except EQUIFAX! 

The original reporting company reported the debt incorrectly to my insurance company and my insurance company showed a XXXX balance on my account. I can attach PDF if this website allows. I have also contacted my State Attorney General Office as well as all of the Congressmen in my area as well as others in the country as I am NOT the only one having this problem with EQUIFAX
Consumer complaint received 2019-01-06
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. (OH)

Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Federal law requires that the credit report bureaus ( Trans Union, XXXX, XXXX  ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a call from Capital One and XXXXXXXX XXXX card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and Capital one had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " Capital One '' had been paid. I noticed that the amount was different than normal. So I called Capital One and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On Equifax Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On Equifax and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, Equfiax, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (SC)

AMERICAN EXPRESS BLUEBIRD CARD I MADE A PURCHASE ON FROM XXXX XXXX WEBSITE I DECIDED THAT THEY DIDNT HAVE MY SHOE SIZE IN THE COLOR/STYLE THAT I WANTED, SO I IMMEDIATLEY REQUESTED A REFUND AND XXXX HAVE RETURNED MY MONEY - {$270.00} ON THE XX/XX/XXXX SUCESSFULLY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO GIVE ME MY MONEY - {$270.00} THE SPRVSR IN ESCALATIONS W/AMERICAN EXPRESS BLUEBIRD XXXX VERIFIED THAT THE PAYMENT WAS RECVD FROM XXXX   SUCESSFULLY ON XX/XX/2018. I HAVE CALLED, CALLED, AND CALLED NUMEROUS TIMES ONLY TO HEAR THAT MY REFUND IS UNDER REVIEW-NOT REQUESTED BY ME TO REVIEW AND WASNT DISPUTED JUST A SIMPLE RETURN AND BLUEBIRD HAS ALREADY VERIFIED WITH ME THAT YES THEY HAVE MY REFUND FROM XXXX. THEY PLACED A 7DAY REVIEW ON MY FUNDS AND I HAVE NO WAY TO GET MY MONEY BACK. IT IS NOW THE XX/XX/XXXX AND I STILL DONT HAVE MY MONEY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO RELEASE.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

I got a reply, but I couldn't get the answer I wanted. 
The bank is shirking its responsibility by answering that it is not its authority. 
you must be transfer responsible department about this issue. 
I got the money back. after in ten days
Consumer complaint received 2023-06-14
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NJ)

Causing people financial hardship during covid I called in XXXX, XXXX and XXXX regarding mine and my sons account. Requesting some relief due to Covid. I was told the only relief they were offering was extending promotional purchases so that your bill was not slammed with interest charges. It was only effective for 30 days and you had to call every 30 days to extend it which I did and they only notated my account for the call in XXXX and they charged me interest charges still in XXXX, XXXX and XXXX in the amount of almost {$1100.00} total which is outrageous with everything going on and they charged my son 's account {$300.00}. So from us calling in for relief instead we {$1400.00} more in debt and they now play XXXX when you call and they you are calling out of the country and I literally stayed on hold for almost an hour while they were trying to locate a supervisor till I just hung up. I will report them to as many people as I have to until they fix this. This is horrible what these companies are doing to people when people can barely pay rent. And I am a XXXX on the front line.
Consumer complaint received 2021-07-20
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. (MD)

I had sent a letter to Equifax, XXXX  and XXXX  about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

I paid this account off and I have called numerous time for proof of paid in full and proof that on another account we set up payment plan. Last time I call the collector would not connect me with manager because he was trying collect on another account from XXXX. I paid the account in 2 payments they uses my debit bank card on XXXX and XXXX, and pull payment for other account on XXXX, The credit report agency reach out to them and they stated account was not paid as of this week. I had send prove to credit bureaus showing payment. I was told that the paid in full and payment plan was sent out numerous times still nothing. I been told they had wrong address 3 times when they sent other mail with the correct address.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is XXXX with portfolio. 
Discover XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX and XXXX XXXX  also state they will remove their items from my credit report and to date they have failed to do so I am XXXX  as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.
Consumer complaint received 2018-12-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When I first started working on my credit in XX/XX/XXXX I had a collection on my report from XXXX XXXX for a XXXX account that was listed under a name that I had never done business under, XXXX XXXX ( my maiden last name is XXXX ). This account did not belong to me, I disputed it and it was removed from my report. On XX/XX/XXXX I received an alert that this debt was added back onto my Transunion credit report from a company by the name of XXXX XXXX XXXX. I disputed it right away as this debt does not belong to me AND I was never notified of this debt being re-inserted onto my report, which legally I am supposed to be notified in writing by the credit reporting agency within 5 days that something will be re-inserted. Transunion failed to send me anything regarding this. I disputed it right away with Transunion stating this and that the debt does not belong to me and after only 4 days of investigation they have returned the result that this debt has been verified as accurate. This debt does not belong to me and was illegally re-inserted on my report. In addition I have received nothing in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation of this debt.