davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

My XXXX XXXX credit card is missing completly from my Experian credit report. It is an ACTIVE credit card, and its appearing on all my other credit reports with XXXX  and Transunion. 

By removing my XXXX XXXX card from my credit report, Experian is reporting my total credit usage at over 80 % and that makes my score is being reported 50 points lower, because of this. My score is HIGH, above 700 on two other agencies, who still report my XXXX XXXX credit card, it was High with Experian too before XXXX XXXX disapeared. 

I am a paying member of Experian credit service product. There is no way for me to dispute the information as wrong on Experian web site. This is because the credit card does not appear in the credit profile at all. There is NO funcutioal way to select " other '' if it is not appearing on my credit report. How do you dispute something that is not there? 

Why is it removed all together? I checked my credit report via my Experian product for closed cards too. it is not appearing in that area too. Attaching screen shots of the card being present XX/XX/XXXX and streen shot of today shows NO XXXX  XXXX card. 

In reporting this complaint, I am selecting the check box to give permission for Consumer Finance Prtection bureau to publish my report for consumers to read. This makes NO sence how a credit card can just disapere? And, that my creditt score drops to 50 points because of the error, it prevents me from getting Credit products I want to apply for. Unless the credit provider excludes Experian and uses only XXXX or XXXX. XXXX and XXXX, XXXX XXXX them, they are still report my XXXX XXXX Card on my credit file, and report my Fico as HIGH fico. 

Please experian - resort my XXXX XXXX card to reporting, and Rapid frefresh my  score. 

Also - there is a fraud allert on the Experian report. Remove it, as I have a credit protection account with Experian i can monitor my own credit. I see no evidence of unauthorised credit pulls.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Equifax maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it  from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research as known as XXXX. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in  court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX
Consumer complaint received 2018-08-17
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 (CA)

This is per compliant ID XXXX and XXXX In Summary of the complaint : I made two payments to American express of {$3700.00}, and their records have not credited me for both of them, as their correcting entries reversed one of those payments. 

In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00}  to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (IL)

Two problems with TD Bank. 

1 ) Prepaid TD Connect card in name of XXXX XXXX was closed by TD Bank, sometime in XXXX I believe. They stated my accunt was used to fund the card, so they closed it. There is over {$3000.00} on the prepaid card and we called 4 times for getting refund check mailed. 2nd call said have to wait 30 days after closing and checking will be mailed around XX/XX/XXXX. Called XX/XX/XXXX and they sent to escalation of what issue is. XX/XX/XXXX spoke to rep and supervisor who saw no status update and exclated again and asked us to call back yet again in a few days. Each time takes 20-30 minutes to talk to the right person and get information. 

There is no online access to the account and the card is closed, can't be used. There is only TD records of the over {$3000.00} owed and they can't figure out how to issue the refund. 

The closed account is XXXX XXXX XXXX XXXX. 

2 ) 2nd issue is credit card in name of XXXX XXXX. Two payments were made of {$3000.00} each on XXXX and XX/XX/22 and the autopay was XXXX. TD took the autopay of statement balanced of {$6000.00} in addition on XX/XX/XXXX, creating a credit balance owed. TD acknowledged the mistake. 

I requested the credit balance 3 twices. I went through various security screens and the fraud department said they cleared the account. A refund check of {$1100.00} is owed and one department is not communicating to another. They can't figure out how to issue refund. 

I spent 59 minutes on the phone on XX/XX/XXXX from hold times to transferred about 5 times. We have cleared their fraud screenings on each phone call with text code to phone too and someone in fraud department said account is cleared. 

There is some incomptence with TD Bank that gives the appearance of Bank Fraud for illciitily holding funds that have been prepaid.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AC AutoPay LLC, Denver, CO Branch (AZ)

On XX/XX/XXXX I contacted Autopay about refinancing my car loan. After talking with XXXX XXXX I decided not to move forward with their company. I clearly explained that I did not want a hard pull on my credit report. He explained he could not give me an accurate quote which I was fine with. The next day I got a text from XXXX saying that my application is at the lender. I will attach the text conversation. After those messages I called Autopay and got to an supervisor named XXXX. He heard me out and said they would not be able to remove the inquiry they did and he would look into the recording to be sure I didn't confirm the inquiry. I was not satisfied of this since I know it can be disputed and removed. I left it at that and come to you about the situation to see if anything can be done for me to remove the hard inquiry.
Consumer complaint received 2018-08-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (CA)

To whom it may concern, Other then myself numerous family members have been receiving calls from  XXXX XXXX XXXX  real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.
Consumer complaint received 2022-03-09
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, my name is XXXX XXXX XXXX I am having a problem with XXXX bank posting a debt on my credit report that doesn't belong to me. I had my identity compromised on the dark web back in 2017 where there was a breach and due to this breach this account was opened up under my name in which I didn't find out about it until it was too late. I will provide the documentation below and the FTC complaint # is XXXX.
Consumer complaint received 2018-08-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc. (GA)

In addition to repeated calls while I was at work, CPS contacted several friends and colleagues. They identified themselves as a debt collector and identified the specific debt they were trying to collect, asked for my address and who my employer was ( information they already have ).
Consumer complaint received 2022-03-09
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. (MS)

I am XXXX XXXX a consumer and natural living person submitting this complaint and there is no third party involved. I have been violated and Experian committed fraud on my consumer report. I did not consent, benefit, nor authorize the fraudulent account XXXX XXXX  on my consumer report. Experian continues to report the fraudulent account XXXX XXXX  on my consumer report. XX/XX/XXXX, I asked Experian to block, delete, and stop reporting the fraudulent account information but they did not block and delete the account. Experian instead said that the information/account is accurate. I then wrote Experian a letter sent via certified mail with green return receipt which Experian received on XX/XX/XXXX, demanding Experian to show me verifiable proof in form of original contract that have my signature on it for the fraudulent account or a certification from the creditor that certified the accuracy and completeness of the information they deemed was accurate. I have NOT received that requested information yet from Experian it's been thirty 30 days so the account should be deleted immediately. I also requested the description of the procedure ( s ) that was taken by Experian to determine the accuracy and completeness of the information I have NOT received that information as well. Experian do not have reasonable procedures in place that is fair to consumers to verify and assure information that they are reporting have the maximum possible accuracy that is required by Fair Credit Reporting Act. As a result of Experian decision to continue to report this fraudulent inaccurate information/account I am losing confidence in the banking system. I demand EXPERIAN DELETE IMMEDIATELY.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority (MA)

The OSLA site where I pay my student loans went down last week. I don't know where to pay my loans, or how to get my loan records. When I called, they promised to send me information via email that they didn't do. They ask for my full SSN.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2018-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I took out a loan with XXXX XXXX XXXX. 
The first loan I was able to repay they then refused to close my account. Later they raised my credit amount. I needed some extra money for a personal emergency and went back to take out a loan that I could repay in one or two months. Unfortunately I lost my job in this time and informed them that I would not be able to repay the loan as quickly as I had planed. After one missed payment the intrest on the loan was one thouand more than the actual loan amount. I released that repayment would be impossible and requested they close the account and put my loan into collections so I could make the payment back. They refused to close the account and after informing them that I could not repay the loan they told me that not only would they not close the loan but would continue to charge me interest even with no payments being made. I have no idea how much they will try and charge me before they actually send this to a debt collection or court. I am in need of help with this company. I also requested that they do not automatically withdrawal from my account and they did so anyway. they told me it was for convenience but it caused an overdraft on my account. I have now asked them to stop two times and now also another in writing.
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (WA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent a certified packet letter to experian on XX/XX/2020. I sent in the packet a experian dispute form, and my dispute letters for inquiries I did not authorize and a XXXX account that needs to be removed because it was sold to XXXX  XXXX XXXX which makes me no longer financially obligated to XXXX since they sold the account to XXXX XXXX XXXX. Unfortunately Experian did not do a proper fully investigation which they are required by law to do. I sent the packet on XX/XX/2020 experian received it on XX/XX/2020 they had results back and ready XXXX XXXX just for experian to not give no updates on the inquiries I disputed or correct XXXX  dispute experian basically sent a copy of my credit report without the inquiries included so I dont know what investigation they did because that what my packet was mainly disputing was inquiries and one account.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (CA)

XXXX and XXXX on XXXX XXXX XXXX, XXXX  XXXX Ca XXXX, ( XXXX ) XXXX, called my relative ( adult son ) and told them I was going to be served with a summons/judgement and that a civil suit was being filed against me.I received the number from my son and called XXXX and XXXX back and was connected with someone who stated their name was XXXX XXXX .He proceeded to tell me that I owed XXXX XXXX {$7300.00} from 1998 which has been gaining interest and fines.I told him I have no idea what he is talking about I have never had an account with XXXX XXXX and that is was identity theft.He then proceeded to tell me that I could pay the money or be taken to court and have my salary/wages docked. 
I am a XXXX XXXX XXXX and was frantic to find out what this was about because my son called me frantic, so I called him during my lunch hour, and he actually asked me if I always talk and chew food with my mouth full while I am on the phone ... which I realize that it is rude for me to talk with my mouth full, but for him to make a personal harassing statement to me about me trying to eat my lunch, while threatening me with a lawsuit, after I had explained to him that I had no idea what he was talking about ... made me suspicious that their law firm is shady and is trying to fraudulently get money..
Consumer complaint received 2018-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

let me start off by telling you this is the 3rd card issued to me since i had opened it back in XX/XX/2014. there has been numerous times of fraudulent activity on this card. this time i reported as usual in which they credited me the amount and of course they will dispute it with the merchants. after they credited me the amount the merchant also credited me the amount in which the card co took back their credit, and now that the card was paid off in full, i see the fraudulent amount now back on my card but billed to me to pay.. i have call this card to get an explanation and they told me because i was credited twice and the card now paid off they were looking for that amount to be paid back to them, but i received a letter stating they were aware of the merchant crediting me and they were reversing their credit so the merchants credit would be applied. that was back in XXXX my card was paid off in XXXX. if they reversed their credit to honor the merchants isn't that a wash, they got their money back!!
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

I have been in contact with Navient and Sallie Mae concerning my student loans however just fail to inform me on the repayment options. Basically they kept demanding what amount I should be paying a month.
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I demanded a debt Validation with the third party debt collection agency XXXX XXXX Which I received thanks to consumer financial protection bureau. Upon review of the the paperwork I received, it shows the wrong balance because GAP paid the financing company and the financing company did not report the payment to the third party debt collector.
Consumer complaint received 2023-03-15
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. (PA)

I called Chase Rewards approximately 10 times starting on XX/XX/2022 regarding my flight that I paid for with their rewards points worth {$520.00} ( XXXX points ) for an XXXX XXXX  XXXX on XX/XX/2022 from XXXX to XXXX XXXX. I was denied boarding on the flight and received a letter from XXXXXXXX XXXX apologizing and on the phone with the XXXX XXXX  Agent, they told me that Chase should refund me the points. 

I called Chase over 10 times for approximately 15 hours and I am transferred to an XXXX call center where there is little follow-up or due diligence with XXXX XXXX XXXX  I have not received my refund and XXXX XXXX  said it is Chase 's responsibility. I plan on closing this credit card due to the service and would like my reimbursement immediately. It has been 2.5 months with no progress. Chase either blames XXXX XXXX  ( not true since XXXX XXXX  sent me a separate reimbursement for my hotel ) or claims that since I paid with rewards points that it is not refundable. This is a rewards program scam.