davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke to a rep from each bureau, Transunion, XXXX, and the third one XXXX. Each rep advised me to file an FTC identity theft report back early XXXX. I did just that and submitted everything they asked for via CERTIFIED MAIL on XX/XX/2022. The fraudulent inquiries are still on my credit report and they have not even responded. Please help!
Consumer complaint received 2022-04-04
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 permission.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (AK)

I used a balance transfer check to purchase a car on XXXX/XXXX/2016. I could have charged the purchase on the card but I thought the check would be more convenient. Now I am being charged a fee for using the check. The fee is mentioned only in fine print at the bottom of the accompanying letter ( see attachment please ). The fee is not mentioned anywhere that would be noticeable to the normal reader. I feel that this fee should be reversed since it is not clearly presented on the check offer. I feel I have been tricked and this fee is not fair under the circumstances. I am requesting a credit for the illegitimate fee charge.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have inquires that I did not authorize. I have called Transunion and XXXX to get them removed and also the companies directly. I went to a dealership knowing exactly what finance company I was going to use in XXXX and without me giving approval they ran my credit through multiple companies and continued to run it months later in XXXX. I am not sure who was trying to buy a car in my name in XXXX of XXXX. 

The companies are : XXXX XXXX XXXX NO Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Automobile Dealers , Used Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Transunion- XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have 5 inquiries made on my report from loans and credit card applications that I did not make. Someone had stolen my identity and I didnt realize it until I received a capital one card that I did not apply for I then called and canceled the card and started to see notes about loans being applied for and made a XXXX report to see what all was created. I noticed they was all made on XXXX and the accounts are as follows XXXX XXXX, XXXX, Capital One Bank USA NA , Capital One US card XXXX and XXXX XXXX. I would like these marks removed from my account and the amounts closed please.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (CA)

I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2022-04-04
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 (KY)

These dates are estimatesXXXX XX/XX/XXXX : created account with American Express XXXX card for XXXX bonus points 10x points on restaurants as the sign up bonus ( SUB ) when I signed up there system was down and I had to resubmit my application. 
XX/XX/XXXX : becuase of the system down problem I called to confirm I would be receiving the XXXX points and 10x restaurants on my card as SUB, agent confirmed that and I told him to put a note in the system XX/XX/XXXX : called again to confirm and told me I only received XXXX SUB, agent understood the previous call and opened a case XX/XX/XXXX : received a letter in the mail stating that the SUB was only for XXXX not XXXX XX/XX/XXXX : called Amex agent and told me to disregard that letter sent in the mail and the case was still opened XX/XX/XXXX : called and told me case was closed and they didnt no why, they reopened cased and put priority on it. 
XX/XX/XXXX : Received letter in mail stating I would only get XXXX, called and talked for an hour to a rude supervisor who just wanted to argue. I told him to go back and listen to the original conversation ( since they are recorded ) he got all defensive and said it didnt matter what the agent said. 
XX/XX/XXXX : called again today and was told the same thing about how this could not be fixed as it was not an American express error even though it was. 

I made a post on XXXX about this and it seems to be a very common bait and switch technique that American express uses to lure in customers. If you just type in on XXXX American express bait and switch it is flooded with XXXX   about this. This is very concerning and seems like it could become a class action lawsuit. I will include screenshots of XXXX  in the photos sections. They will also not share the phone calls of the first agent I talked too unless I subpoena it.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carter-Young, Inc. (CA)

Since XXXX of XXXX, I have been receiving calls from a company in Georgia. Finally on XX/XX/XXXX, a voicemail was left by someone identifying themselves as XXXX XXXX from XXXX XXXX XXXX and asking me to contact them at the number provided. I did not know if this was a scam or not, but I returned the call and the company was closed. I received phone calls again from agents at XXXX XXXX XXXX XX/XX/XXXX and XXXX from a XXXX XXXX XXXX XXXX only asking me to contact them. I again tried calling back, but the company was closed. There is a 3 hour time difference and they frequently call in the afternoon! I spoke with an attorney who told me that if I do have a debt, the debt collector must provide the collection in writing and identify themselves and the fact that they are attempting to collect a debt in ANY form of communication they attempt with me, including voicemail. I never received a letter and the voicemails never identified that this company was trying to collect a debt. However, this company reported a debt that I had previously contested with a different debt collections agency ( who then dismissed the debt as inaccurate ) to all 3 credit bureaus! I was never given the written notice of debt and I was never given the chance to contest the debt! I have tried calling the agency twice, and have been treated with such disrespect that I finally hung up and decided to file this complaint because the agents dont bother to listen to what Im telling them, or they call me a liar. I have received a couple calls since then from the company, but no message was left either time! The representatives I spoke with were extremely rude and unprofessional and this company needs to follow the law by going through the appropriate motions of debt collection, starting with proper notification!
Consumer complaint received 2021-02-16
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. (NC)

I recently looked over my credit reports and found some incorrect information. I sent a dispute to the 3 bureaus regarding these accounts and did not receive a response at all. I waited 50 days and resent my letters again. I even checked online to confirm that I sent them to the correct address. It is now the 40th day and I have yet to receive a response for the 2nd time. I am only try to fix my credit report as it is showing incorrect information without paying {$1000.00} for a company to do it for me and I am getting nowhere.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I received a collection notice in the mail on XXXX/XXXX/16. The bill was on behalf of XXXX XXXX. I moved out on XXXX XXXX 2016. We asked XXXX XXXX to do a walk through but they refused. I received no other contact from XXXX XXXX. When I received the collection notice I called XXXX XXXX at XXXX on XXXX XXXX. I was informed by the representative that after 45 days my debt is sent to collections. I informed the representative that the letter was received XXXX XXXX. It had not yet be 45 days. Then her story changed to after 30 days that I would receive a collections notice. I then informed the representative that it had not yet been 30 days. She then offered to send the bill again, refusing to acknowledge the endangerment f my credit and XXXX XXXX 's unprofessional practices. I advised her that I would pay this bill, even though I do n't know what I am paying for and filing a complaint with the XXXX. The collection notice was not from XXXX XXXX and was addressed to myself and my XXXX year old child, not the other adult on the lease. 
I had to call the collection agency 5 times before someone picked up. I also left a message. The collection agency then told me the name of my XXXX children that they had listed to collect the debt from. Myself and my children 's credit can be affected and I never even received a bill as to what I 'm paying for. I spoke to XXXX XXXX extension XXXX. He informed me that he received the debt information from XXXX XXXX and I Q Data input the erroneous information into their database.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

On XXXX XXXX XXXX XXXX, a court judgement was filed against me in XXXX XXXX ; which is located in Illinois. The judgement was in regards to me supposedly owing Synchrony bank, XXXX. I was unaware of this judgement because it was connected to an account with JC Penny. During the year of XXXX, I was a Social Security recipient and my funds were being overseen by a designated payee. The designated payee was mandatory and court ordered for me to receive my monthly payments from Social Security. It was during this time that I believe the account with JC Penny was set up under my name. The payee who had access to all of my personal info, I believe is the one that set up the account without my knowledge. I am currently still on Social Security and have been for over the past XXXX years. Now, the balance has increased to XXXX because of interest that has incurred. There was also ; legal fees that was ordered by the court of XXXX XXXX in the amount of XXXX. I have spoken with JC Penny in regards to this matter via telephone, and was told that there would be an investigation into the matter. I was sent a response by Synchrony bank on XX/XX/XXXX, stating that, I had participated or benefited in the purchase, the account had been open for more than 12 months with statements sent to me, if statements were sent to me the payee would have been the one to send in a payment not me, and it was also; stated that payments have been made by me on the account in question, which is not true! If any payment was made it was by the individual payee that was assigned to me in order for me to receive my Social Security monthly payments. As far as the court order, I did not sign off on anything because I was unaware of the debt! I am being harassed by Sychrony bank by mail concerning this matter and would like for it to stop!
Consumer complaint received 2022-04-04
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: Total Card, Inc. (NJ)

This company sent a letter for unusual activity for me to confirm the card was in my possession and a restriction was placed on my XXXX account. I contact them on XX/XX/XXXX with a letter dated XX/XX/XXXX. Was told they would issue a new card and claim would be submitted to the fraud department and the charges would come off within 2 days. I called on XXXX to only be told the restriction was not removed and now a form needs to be submitted and it can take 60 days for a review. Within 60 days I would be paying this balance within 30 days and these charges are being reported to my credit report reflecting a high utilization on this card.
Consumer complaint received 2017-01-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc. (TX)

Received bill for around {$180.00} and XXXX charges for a total of {$45.00}. Paid {$180.00} my XXXX deductible by check.. I would have paid {$45.00} but I have medicare and a rap around insurance and should not have to pay because my coverage. ( I really do not believe they applied to my insurance ). Also the XXXX entries {$45.00} were ( patient not known ) beside each. When I was speaking to rep from billing dept. she told me not to pay that, because I asked her about it. The calls every week ( I even called and them and said I would be glad to pay but thats why I have extra insurance for ) and I over and over explained to each person that I had insurance and they reluctantly took the info down ) .Each time the rep acted as if it was the first time they heard about it. I have had this problem with medical service. I give my medicare info and rap around insurance, then low and behold they do not file with my insurance. I guess too much trouble. Now the BURAEU OF MEDICAL ECONOMICS IS A CALLING. I must say I pay all my bills, and never refuse what I owe. Repeatedly I have talked to persistent reps and they say ok and -keep calling. By the way the next billings were changed to {$45.00} XXXX with no patient not known entry ), Funny thing a day ago I got another bill from the hospital for the original {$45.00} and an additional charge for {$12.00} for a visit to the facility. Now if I know they did not bill my insurance. HELP!!! I must tell you, I love my doctors and my hospital and I would never try and escape from paying I never will and I never have. *note : I checked the debt is not mine but is is mine.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. These issues were addressed to both Creditors and TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 

XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (VA)

The CBE Group pursued a debt of {$1000.00} associated with a XXXX XXXX account that has never been associated with me ( I have never entered into any contract with XXXX XXXX ). I received notice initially on XX/XX/2022. 

I mailed a letter via registered mail ( sent on XX/XX/2022 ) requesting that they provide me with proof that the debt belongs to me or cease attempts to collect. 

Since then, I have received a letter from XXXX XXXX trying to collect on the same debt ( received XX/XX/2022. Date of the letter specified as XX/XX/2022 ). My understanding is that it is illegal for them to sell debt that is currently disputed.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NY)

On or about XX/XX/2021, on a routine visit to a local animal hospital for my XXXX XXXX XXXX cat XXXX to be seen for the first time since moving to XXXX XXXX  from XXXX XXXX, the vet mis-prescribed her, as the vet ( in his own words ) stated " he didn't have the time to read her past medical history as he was too busy '' killed my cat by prescribing her the wrong medication. I was charged {$750.00} by the vet, ( XXXX XXXX XXXX in XXXX, NY ) on XX/XX/2021 on my Goldman Sachs Apple Card and was charged a duplicate amount of {$820.00} on XX/XX/2021 by the same animal hospital when I got my cat XXXX back in ashes as she had to be cremated. Nothing short of DISTURBING as this animal hospital is now being investigated for animal cruelty by the State of New York for what they did to my cat. 
Having said the above, I immediately contacted Goldman Sachs Apple Card the very day my cat XXXX passed away in the hands of a so called " doctor '' who committed medical malpractice. Goldman Sachs Apple Card representatives were mortified of what had transpired and immediately helped me dispute my 2 changes stated above. Within a few weeks the one {$820.00} provisional credit was made permanent on my account. Then, for some reason, the charge of {$750.00} did not become a credit back onto my account. As I type you today, I've spoke to the Goldman Sachs Apple Card representatives over the phone on numerous occasions on the reason why my refund of {$750.00} has not been made final and they don't have an answer for me. Same merchant, same charges, but one gets fully approved in my favor and the other is still a mystery in the making? I keep being told that the original Goldman Sachs Apple Card representative who disputed both of the charges for me on the day my cat XXXX was killed by the vet had " miscoded '' the {$750.00} charge thus the reason one refund got approved and the other one is still pending FIVE MONTHS AFTER THE FACT? 
I want my {$750.00} refunded NOW!
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2019, I deposited a check in the amount of {$930.00} into my account. The next day, Chase requested more information, which I provided. On XX/XX/XXXX, I noticed a recurring charge for XXXX  was not going through. I thought this was odd since the charge was for {$2.00} and I had nearly {$400.00} in my account. I called Chase and they told me the check I deposited was being returned and they were closing my account. Furthermore, the money I already had in my account was frozen and inaccessible to me. 

Today, XX/XX/XXXX, I pulled up the account online and saw that the check was processed and shows as available in my account. I called Chase once more and they reiterated that they were closing the account and the check would be returned. 

I have received no notice of cancellation from Chase, and would not have even known had I not called them myself. I have received no explanation for the closure, and they steadfastly refuse to provide one. They continue to hold my money hostage with no explanation.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MA)

Stellar recovery had reported into my credit saying that i owe XXXX {$240.00}. However, i had pay this bill with XXXX and even XXXX had confirmed that this debt had been paid off and should not been reported in to my credit.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

Admittedly, I am behind on my payments. I called to try to discuss what could be done and I was berated and chastised by the manager for not paying my bills. Told me how he just " did n't understand '' me not paying. After I quit taking his calls, because he was so incredibly rude. He began calling me at work. I asked him personally at least four times not to call at work because I could get into trouble for personal calls. I asked XXXX other employees at his branch not to call me at work. I was told I signed paperwork that allowed them to do just that. A work colleague answered the phone and told the branch manager I was unavailable, he said to her, " I know you are XXXX ( that 's me ) and what if I just show up at your work? '' She hung up on him. He called another time and the assistant manager answered and told him I had been fired just to try to stop the harassing phone calls. He then said to her, " I know this is you XXXX. I will just show up at your house now. '' I took a written letter by the branch to withdraw all consent to call my at work. That very day their manager called from a blocked number. My boss had to resort to calling his district manager to stop the work phone calls. They have not called the store since that day. But his words and actions have made me incredibly uncomfortable, scared, and downright angry.
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

Alliance One Receivable acct # XXXX, should have been paid by, XXXX XXXX XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just a different County. They never submitted charges to XXXX, and now it is in Collection.