davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (PA)

In XX/XX/2020 Chase advertised a {$300.00} bonus for opening a checking account and {$200.00} for opening a savings account with another {$100.00} bonus. I opened the accounts and they were going to charge me a fee and said I needed to keep {$1500.00} deposit to avoid a fee. I made a direct deposit on XX/XX/2020 of {$1500.00}. I called today XX/XX/2020 and asked where my bonus was. They said I needed to have a direct deposit from my Social Security not just another bank which was news to me. Then the connection started " breaking up '' and went silent when I contested it. I feel their advertisement was fraudulent and now I just want to withdraw my money and close the accounts, but they just hung up on me before I could. 
What is the best way to close the accounts and get my money and avoid fees? 
Thanks so much for your help. I feel I fell prey to trying to get something for free, but they did not make the requirements obvious and now I am " paying '' for it!!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had to late payments on an account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/23 XX/XX/23 I am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demmand these payments be updated to paid on time immediately. Thank You for your understanding and prompt actions
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NJ)

I applied to Discover for a credit card and was denied. I had a Discover card in the past and never was late or misused the card. In fact Discover canceled the card do to inactivity. Now years later that I want to reapply for a credit card with them I am denied. The adverse letter that was sent in the mail states status of existing/ prior Discover card account. I called Discover to find out what this was about and the only answer that I got from the representative was that it just wasnt time for me to get a card. I didnt understand what that meant because my old account was in good standing.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (TX)

In XXXX, I was alerted by a message in my email from XXXX XXXX, that Barclay 's had reduced my credit limit by almost the exact amount I made a payment. There was no prior notice that this action would be taken. 

This card had a high balance because it was applied for on a XXXX XXXX, and the cost of the cruise was automatically applied to the card. The card had been consistently paid. In an effort to raise my credit score, this summer, I began to make several large payments to to the card. I thought this would positively raise my score. But, quite the opposite. Barclay 's decided to lower my credit limit, which lowered my credit score. Why was this done?

When I called to inquire about the action, I was told there was nothing to be done. A supervisor then informed me that my credit usage ratio was high. Well, I was actively taking action to lower the ratio, but Barclay 's decided to lower my credit limit, which nullified my actions.

This action has lowered my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. 

I feel as if this is done purposely to justify higher interest rates. 
Thank you.
Consumer complaint received 2023-03-31
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. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-31
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 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 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (ME)

I contacted TD Bank several times over money being improperly dispensed and not put back into the account that was mishandled. I " had made several calls and in store visits to ear up errors made by lazy staff. Still no luck and no help in getting my money back.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I have submitted documents to the company and the credit bureau proving that the accounts listed below are inaccurate and should be deleted immediately ... ..they are also fraudulent. on my XXXX report it is listed as XXXX XXXX account XXXX XXXX opened on XX/XX/XXXX on my Transunion report XXXX is listed as XXXX XXXX account # XXXX opened on XX/XX/XXXX also on my Transunion report XXXX account # XXXX amount {$53000.00} is completely fraudulent and is not showing on any other of credit bureaus reports... .. inaccuracies alone is cause for this to be deleted immediately! They are also Fraudulent. The company refuses to remove these accounts knowing they are wrong and fraudulent. Please assist me in getting this done... ..the BUREAUS are always intentionally destroying our lives.
Consumer complaint received 2020-09-24
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. (MS)

TransUnion and XXXX  are fraudulent on my accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX, Experian all three credit reporting agencies all use the same tactics disabling consumers from entering more than 210 characters when trying to file a dispute. 
This is a shameful tactic that has been allowed to go on unnoticed for so long. If we have a right to a dispute why do they have limits on how many characters are in your dispute?
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Received a notice from Midland Credit Management that a credit card was opened in y name with XXXX XXXX XXXX  and numerous items were charged at XXXX. There is a current balance of {$13.00}, XXXX, none of which is mine.
Consumer complaint received 2023-03-31
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. (NY)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with the intent of ghting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I just received a copy of my updated consumer report and I am shocked to still see the inaccurate information still being furnished on my report. This account is duplicated on my report and neither account should be on my report XXXX XXXX XXXX and XXXX XXXX XXXX Both have the same account number these items need to be removed. I have filed a compliant with the CFPB regarding these accounts and XXXX has determined it does not meet FCRA requirements therefore it has been deleted however XXXX and Experian continue to report this inaccurate information even though they are all govern by the FCRA. 15 USSC 1681s clearly states that it is the duty of the consumer reporting agencies to ensure maximum accuracy when furnishing information.
Consumer complaint received 2022-08-17
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. (SC)

i am a natural person, Iam a living human being .I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And violate my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, XXXX, Equifax, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (CA)

i had my credit ran and i see a collection from hp sears i do not owe hp sears or do i have a contract with hp sears i request hp sears to delete this collection from my credit report. if not i will have to sue in small claims court. delete now not mine
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXT XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$490.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX
Consumer complaint received 2017-05-26
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: AMERICAN EXPRESS COMPANY (SC)

AMEX, checked My Credit report without my agreement I called to try an get the agent to removed them from my report. they has me speak to more then one agent to get this resolved. *We are seeking the following to have sir-pressed from public. have Points added back on My Credit Score.    The Following agent ID Number :  XXXX   XXXX   XXXX   XXXX  The agent that submitted the 2nd inquiry on my report.    XXXX   XXXX   AMEX   XXXX   XXXX ,  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  AMEX  XXXX   XXXX ,  XXXX   XXXX ,   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Seeking the sir-press ion of these  two  items
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX  IL XXXX Bankruptcy XXXX XXXX Reference # XXXX XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

On XX/XX/22 I was scammed out of 300 dollars. I went to my bank, they told me to call call fraud they told me to talk to the bank, the bank then told me to talk to a third party. I did all these steps and have no answers and am still out XXXX dollars. I was selling a bike on a site, a buyer states they are interested. They claim to send me XXXX. I get an email saying my account get receive that and they have to send an additional XXXX they claim to i get another email saying they did and if I refund the XXXX I'll get the XXXX now. I send the XXXX and never get the XXXX. All I want is my XXXX back.
Consumer complaint received 2020-09-24
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. (OH)

It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.