davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
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. (NC)

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XX/XX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I deposited my employers check for the past 3 years once a month. I have deposited thru the ATM and usually a weekend I have funds available on Monday or Tuesday. I deposited check from my employer ( happens to be a XXXX ) drawn on a local bank and the ATM put a 3 day hold which I was not expecting. Deposited on Sat XX/XX/18 and funds not available until XX/XX/18 by XXXX XXXX  Is this a new way of B OF A sticking it to the people that have had the same practice of banking for the past 15 years. Now, not aware of this hold until after I had done some online payments, I will now be charged NSF fees. Fees should not occur to the member during this time. I called the bank and rep just said I was aware of fees when I opened the account and time of disclosure. A real help in my case! I don't know if anyone else is starting to have this issue.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am currently working with my fathers attorney applying for Medicaid because my father and mother are both in a nursing home. I am the Trustee of my fathers Trust and I am his Power of Attorney. The beginning of XX/XX/XXXX I contacted Capital One to close a 360 Savings Account. I was told that I needed to send them the Power of Attorney documents. I sent them on XX/XX/XXXX. Since that time I have called and called and the response is that department is backed up - we are going on 60 days to close an empty account. The account has a XXXX  balance - I just need it closed. 

Talking to a supervisor is useless they know nothing.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I regularly check my credit report via XXXX XXXX, i continue to see old credit accounts that have been paid off but still show on my credit reports and continues damage a once good to better CREDIT SCORE AND IS TROBLING TO CONTINNUALLY GET TURNED DOWN FOR A LINE OF CREDIT OR LOAN TO PAY OFF MY CREDIT DEBT I AM RUNNING OUT OF OPPORTUNITIES TO ELIMNATE THIS CAN YOU HELP.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

On XX/XX/2023, DIVERSIFIED ADJUSTMENT attempted to collect money by XXXX XXXXon my credit. They are citing that it is a XXXX collection. XXXX has confirmed that they are not affiliated with this company and have not initiated this. They have no knowledge of any of this. I do not have any XXXX services at all. I have services with XXXX and have for years. Please stop attempting to collect money erroneously and remove this from my XXXX credit report. This is not the company 's first attempt despite being told this is not my account. They have provided nothing from XXXX. And XXXX has confirmed there is nothing to provide to me because I do not have an account. In retaliation they posted to my credit account again today.
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENOVA INTERNATIONAL, INC. (LA)

No action was taken no one wanted to work with me on a payment arrangements even when some of these accounts on my records were made by someone else I even know that one person that used my name for something is deceased but I have no proof so nothing can be done so I’m stuck
Consumer complaint received 2018-08-27
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. (GA)

Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX ( XXXX  XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX  has deleted the incorrect account. Experian and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX  XXXX XXXX  sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. ()

A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I sent supporting documents to prove I did not make this transaction several times, including via the company 's official secure message portals as requested by their live representatives, but I received letters instead that nothing was received. This is very frustrating to me because I have used their requested channels, and I have even received messages in response to the submission of my documents. 

Most recently, I sent in a 2-year lease in as well as a flight ticket from XX/XX/XXXX-XX/XX/XXXX as requested. The length in the contract was assumed to be 1 year without reading the lease, and the date of the flight ticket was assumed to be in XX/XX/XXXX-XX/XX/XXXX. Please note, the lease term is on the second page of the document, about halfway down the page. When reading the flight itinerary, you will need to use the day of week written in the flight ticket to verify the year since XXXX Travel did not use the year in its itinerary. As further proof that I have been based in XXXX, I have added another airplane itinerary booked on a different airline showing travel from XXXX back to XXXX. I would like to request that someone else review my documents and correctly read the text in the documents. 

Thank you.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

I have been an AMEX card holder for a long time. I was emailed an offer to upgrade to the XXXX XXXX credit card for {$450.00}. As part of the terms, it said I would get XXXX points with a {$4000.00} spend in the first 3 months. I spent that and didn't get the points so I called in and was told it would be on my next statement. My next statement came and went and I called again. This time I was told I was never eligible and the person who told me I was getting the points was wrong. 

I would have never upgraded if I had not been victim to this " bait and switch '' This is an illegal practice and I want my {$450.00} refunded immediately and my card closed. 

I sent them a mediation request 2 months ago and have not heard one work back. AMEX has to have THE worst customer service in the world and just lost a long time customer.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (AZ)

Hi, I had an outstanding debt after switching phone companies which ended up in collections through AFNI. Since I was making payments, I did so through XXXX internal collections, and finished paying by XX/XX/2017. The debt still shows a balance of {$570.00} as an open collection, and is affecting my credit score as they have not closed the account almost a year later. I figured all of this was taken care of, but is now a delinquent account on my credit. 

AFNI - opened XX/XX/2017, {$550.00} Original creditor - XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

My personal information was breached in several data bases. XXXX XXXX  breech. I know a lot of information was used, but primarily I need XXXX XXXX XXXX. XXXX, IL.XXXX  To be marked as a fraudulent address. There have been numerous activity on credit reports that I do not recognize also.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

First of all, the option should be on here the way Credit Bureaus are factoring our scores. I see this is not one of your options, so here is my complaint. I paid my Mortgage off and all three Credit Bureaus decreased mine and my Husbands score by 40 or more points therefore leading to some of my credit cards decreasing my limits due to my falling credit score making it even worse. There will probably be more to decrease my limits. I would like to know why in this country are you penalized for using credit then your penalized for paying that credit off? This makes absolutely no sense what so ever. The factors should be changed.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
Consumer complaint received 2020-02-03
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 have contacted the Experian several time about this inaccurate information. I have disputed XXXX XXXX XXXX XXXX numerous of times. The company stated that they have validated this as my account without proof of signature or identification. Please help me rectify this matter.
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (PA)

company calls repeatedly in regards to debt. 
Debt collectors speak to me in a very hostile manner. 
Have asked company to stop calling on several occasions. 
Call 5-6 times daily. 
Company has threatened to sue me and garnish wages. 
Refused to send info. or answer questions regarding debt. 
Debt collector states that they dont need to notify me when account is sold.
Consumer complaint received 2018-08-27
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: Harley Davidson Financial Services Inc (FL)

On XX/XX/XXXX at approximately XXXX I visited a Harley Davidson event in XXXX XXXX Florida and I was not looking to buy a bike. I was there for the event and I told the salesman I was not looking to buy a bike and I was only there for the food and drinks. He continued to try and convince me to ride a motorcycle and I said no. I have been drinking I am only here for the event he would not let up continued to than tell me about a .09 % interest rate telling me I could qualify for a buy back on my bike and could save a lot of money to trade in my bike. I finally said okay if I can save money sure ill check it out. He Then proceeded to fill out a credit application and asked me for my licence and told me to sign it. I told him I am currently in the middle of a home refinance and I said never mind i do not want to risk it. He than convinced me that it would not effect my home loan and that it was only a soft pull. " I have a text message from the salesman stating it was only a soft pull ''. The salesman than handed me a beer told me to relax. After the application was filled out they than tried to get me to sign another form stating they would not pull my credit unless I agreed to buy the bike. That's when I said no I am done do not pull my credit and I am not signing this and I left. realizing an hour later they kept my licence and when I returned for my licence the salesman greeted me outside and handed it to me.The next day I got a notification that Harley did a hard pull on my credit. I than texted the salesman and asked if they pulled my credit he said yes we did a soft pull. I than asked why they pulled my credit after they said they wouldn't and we decided no on the deal. he said you signed the paper. They did not have my permission to pull my credit and they did it anyway and they did a hard pull I believe because they where angry with me that i was not intoxicated enough to do what they wanted. I also believe the credit was pulled after I left the building. I believe they hold these events with alcohol in order to coerce people into buying a bike.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to express my dissatisfaction with the handling of fraud-related items on your platform. Recently, I have noticed several instances of fraudulent listings, which not only jeopardize the integrity of your service but also pose significant risks to your users. 

It appears that there is a delay in the removal of these fraudulent items, allowing them to remain accessible to unsuspecting customers for an unacceptable period. This delay not only undermines trust in your platform but also exposes users to potential financial loss and other harms. 

I urge you to take immediate action to improve the efficiency of your fraud detection and removal processes. This XXXX include investing in better algorithms to detect fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. 

Furthermore, I recommend providing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are essential in maintaining the trust of your user base. 

Failure to address these issues promptly not only reflects poorly on your company but also puts your users at risk. I urge you to prioritize the safety and security of your platform and take proactive measures to combat fraud effectively. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit 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
Consumer complaint received 2024-03-01
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. (PA)

I was reviewing my credit report and notice XXXX pulled XXXX credit reports back-to-back without my knowledge and consent in XX/XX/XXXX & XX/XX/XXXX and this error is affecting overall credit profile.
Consumer complaint received 2022-07-09
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. (MN)

After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXXXXXX  Service Dept. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take six months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), the XXXX XXXX XXXX ( XX/XX/XXXX ) , and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both the XXXX and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.
Consumer complaint received 2018-08-27
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: Internal Check Systems, LLC (CA)

Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXX  XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX XXXX XXXX reporting.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has on my credit file as balance or money owed to XXXX XXXX Credit Card account showed by transunion # XXXX there is no balance owed or money owed on this account as stated by Transunion of {$490.00}
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC (IL)

The status open date for collection precedes the date provided by original creditor. Name of original creditor does not match what XXXX   XXXX XXXX XXXX claims the original creditor to be. Contact information being listed is matching to the original creditor [ XXXX ] which claims not to be the original creditor. Account number is being listed and displayed incorrectly.
Consumer complaint received 2018-08-27
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. (CA)

On XXXX-18 my lease with XXXX XXXX was closed as a result of XXXX doing a buy back on my car because of mechanical issues. The account was paid off by XXXX when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from XXXX showing I have a {$0.00} payment and 0 payments left on my account. I called XXXX approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, XXXX reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with XXXX and have not recieved a response. I also contacted Experian who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.