davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

The date of last activity for a Chase Auto account is incorrect on my credit report. It was erroneously reported as XX/XX/XXXX when in fact it was XX/XX/XXXX when it was closed. We had an automobile accident and while waiting for insurance to pay they did report late payments, which we are not disputing ; however, since the date of last activity was somehow updated incorrectly, it's having a negative impact on my credit score and ultimately preventing me from purchasing a home at this time. 

When I called to try to correct the problem all I got was a run around. No one seemed willing or able to take this matter seriously.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANKERS HEALTHCARE GROUP LLC (WV)

Dear Bankers Healthcare Group, XX/XX/2024, you received via certified mail my FCRA 609e request for all information relating to Bankers Healthcare Group illegal access to my XXXX and XXXX information on the false pretense that I had submitted multiple account applications.

Considering the FCRA requires you to comply with my request within 30 days I hope this was simple oversight on your behalf as delivery of my request is 10 days overdue.

Please note, willful noncompliance of FCRA 609e has resulted on civil fines by the Division of Privacy and Identity Protection of the FTC. 
Furthermore, willful noncompliance of the Safeguards and Pretexting protection rules of the GLBA can result in fines up to {$100000.00} per violation for financial institutions such as yours. Also, imprisonment for up to five years is a possibility.

Considering the number of times BHG illegally accessed my XXXX and XXXX files, you are easily over the potential {>= $1,000,000} level. 
Ask yourself, is it in your best interests, and those of your shareholders, employees, and customers to put BHG in a position of criminal liability by conspiring with the individuals that committed these acts? 
I look forward to your response.
Consumer complaint received 2018-05-24
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: ID Analytics, Inc. (MI)

Applied for auto loan at end of XX/XX/XXXX and received a letter on XX/XX/XXXX from XXXX XXXX explaining why i was rejected by them because of a report from XXXX XXXX XXXX. XXXX XXXX XXXX reported a credit score of XXXX for me while other reporters are showing XXXX ( XXXX ). I had not heard of this company " XXXX XXXX '' and do not feel comfortable sharing my social security number or other personal details to see their " report ''. I have tried to call them multiple times to dispute the false information but every time I am only able to reach a voicemail box. From what I have read online this company has done similar things to others, possibly to give banks a reason to charge higher interest rates. Please do something to get them to stop preying on people and help me get my credit restored.
Consumer complaint received 2018-05-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

For over six months now and after multiple disputes with XXXX XXXX XXXX XXXX, they have failed to thoroughly investigate an error in my credit file. They have failed to comply with the fair credit act by investigating an error in a timely manner. I have requested for them to submit to me their method of verification for a debt by the following company XXXX   XXXX Account number XXXX amount {$11000.00} This has been an ongoing unresolved issue. Experian has failed to comply with the FCA with verifying the accuracy of negative information placed into my credit file. I have not received any documents from the Creditor or Experian in reference to validation of alleged debt, This has caused a great negative impact into my credit file.however, without documents as requested, Experian continues to report this derogatory debt. All that I ask is that this matter be more thoroughly investigated and supply me with copies of valid documents that bind me as a consumer to this debt by CONTRACT.. My request is for this to be completed within the time table allowed and governed by the FCRA. I would like all documents provided to me via mail.
Consumer complaint received 2022-07-24
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. (NC)

XX/XX/2022 got my credit reports and transunion and XXXX had report accounts and address that did not belong to me so I disputed the accounts and addresses that did not belong to me and I did the dispute twice and they still have not removed the address or accounts the accounts are XXXX XXXX XXXX XXXX XXXX acct 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 XXXXXXXX I called all these creditors and was told that these accounts belong to a XXXX XXXX XXXX and NOT XXXX XXXX XXXX and that they need to remove the accounts asap also there two address that are not mine XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX also needs to be removed asap
Consumer complaint received 2019-03-28
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. (NY)

Hey To Whom It May Concern, Experian keeps telling me I can apply for credit that everything is fixed that my XXXX XXXX  came off. However when I apply for credit cards they tell me Experian is reporting inaccurate Information which is resulting to hard pulls on my account. I have called experian each week and they told me everything is fine. So I am unsure the problem. I have spoke to the credit card companies and they all say Experian is the problem. My XXXX  score is good and my XXXX is good, It's just Experian Is the problem. The problem I am having is I am not getting accepted for credit due to Experian sending poor/inaccurate information.
Consumer complaint received 2019-03-28
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. (TX)

Transunion is reporting an incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-03-07
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. (NJ)

With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2022, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
Within 30 days from receipt of this letter, insured and tracked by CFPB, the following information needs to be omitted. Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. 
I suspect that you would have no issues removing the aforementioned information in a timely fashion.
Consumer complaint received 2022-03-07
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: CITIBANK, N.A. (SC)

Macys DSNB is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (WA)

I have written this company because i never received a dunning letter. I sent out on XX/XX/18and one on XX/XX/XXXX. They have not written me back on my account that is hurting my credit score. Please see attachments.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates has put a collection on my credit report. I am not liable for this debt owed. I never received or entered into a contract with Portfolio Recovery Associates. I have never received a contract as requested only an attempt to collect a debt.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc. (TX)

Compliant ' of HireRight ' a Speciality Consumer Reporting Agency, the Type ' of Problem as ' not following FCRA policies in Remedying the Effects of Identity Theft, in an understanding of the Summary of Rights under the Fair Credit Reporting Act, the Importances for FTC Notice to Furnishers '. What ' happened was that ' HireRight - Legal - Data Security is ' exclaiming that ' HireRight ' is under Special ' contracting with XXXX in an extension of 5-10-15-20-25 years in unfair or deceptive business practices that is ' not. to remove my Employment Background Information. The Escalating Concerns of the Fed ' of a 10 year File that ' HireRight ' refuses to remove from their Database with Allegiants and alliances of ' the Continued Violations of my Civil Disability Rights in Public Corruption, Extortion and Solicitation of Monies. 

FTC XXXX
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to dispute a billing error on my account. On XX/XX/19 I  logged online to set up payments for the amount that was owed on the account, which at the time was {$110.00}. I set up to pay {$40.00} on XX/XX/19 and then {$76.00} to pay on XX/XX/19. The website would not allow me to pay any more than what was due on the account. 
Apparently during the time I made those payments, another {$1.00} of interest was added to my account which I was unaware of. The postal facility that processes our Mail in XXXX XXXX was closed on XX/XX/2019 due to a roof collapse due to Tropical Storm Imelda. This delayed processing of all mail for my home and it must have caused the letter stating that I owed {$1.00} to be rerouted as I never received a bill for that amount. 
Since I was not aware that I owed the {$1.00}, I did not make any payment after XX/XX/XXXX, which apparently caused my account to go 30 days past due, however, I was never contacted about this. I was not charged a late fee, however, Kohls did report to the credit agencies that I was over 30 days late. I called the 1-800 number to try to explain my situation, however, I can not get ahold of anyone who seems to understand the issue. 
I am writing to ask you to please remove the 30 days late delinquent account from the credit reporting agencies in a show of good faith, as it is clear that I thought that I had taken care of the obligation that was owed and I was never informed of the {$1.00} that was added to my account. 
Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2019-03-28
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: WELLS FARGO & COMPANY (UT)

Wells Fargo recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from Wells Fargo was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. Wells Fargo indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to XXXX, XXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes as well.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MI)

I contacted XXXX XXXX and was told that my payments qualified for deferment/forbearance. i returned all required documentation, however I continue to receive bills in the mail. I qualify for the above deferment/forbearance due to loss of income, unemployment and receiving government assistance.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. these corporations are taking a disadvantage of me. I refuse to wait another 30 days please help me resolve this matter.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

XX/XX/XXXX Citi Thank You Preferred XXXX. XXXX XXXX XXXX, KY XXXX Citibank XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX : Citi Thank You Preferred XXXX XXXX To whom it may concern : I just spent an hour on the phone with Citi agents, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I was informed that my Citi account was two months past due. Surprised, since my husband and I pay all of our bills in full and on time. 

I was told on XX/XX/XXXX, my account was registered online from my current email at XXXX. Yet, the two unpaid e-statements were sent to XXXX, an email account that has not been used in at least 7 years. That address was apparently provided to Citi in XXXX. I dispute the charges by Citi as deceptive and fraudulent. 

I offered to pay the statement in full, less the two late fees and interest that total {$81.00}, and was told once I made a current payment, they would request to waive one of the late fees. I dispute the two late fees and interest charges that total {$81.00}. I have enclosed payment in full, less those charges, in the amount of {$930.00}. I have requested that my account be closed. 

I never registered online for e-statements. 
Citi claims that e-statements were registered from my current email address. 
A search of my current email address has no record of any communication with Citi. 
Citi sent the e-statements to an email address that has not been used in at least 7 years. ( Why would Citi accept a request for e-statements from one email address, yet, choose to send e-statements to an address that dates back to XXXX? ) I confirmed, that prior to the e-statements being sent to the defunct email address, we have never been late in the past year. 
My husband and I do not receive e-statements on ANY of our accounts and would not have elected to receive e-statements from Citi. 




I have also been informed by XXXX that I have XXXX. Please redeem those thank you points and send me a check at my home address at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. 

I am formally filing a complaint regarding the practices of Citi with regard to e-statements and collection. I request a direct response from Citi regarding its practices. 

Sincerely, XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Office of the Comptroller of the Currency Federal Trade Commission Division of Credit Practices XXXX XXXX, Michigan State Attorney General
Consumer complaint received 2019-03-28
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: AMERICAN EXPRESS COMPANY (GA)

XX/XX/2019 Store Purchase XXXX XXXX XXXX  XXXX XXXX ADDRESS NOT AVAILABLE, XXXX XXXX SHOPPING Edit {$200.00} Transaction ID : XXXX - ( {$200.00} ) XXXX Store Purchase XXXX, XXXX, NC ON HOLD - {$3.00} I did not make these purchases but American Express / XXXX will not provide a provisional credit for these amounts until issues are resolved. I'm legally XXXX and can't purchase life saving medications.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed a collection on my credit report multiple times asking for verification of the item and the credit bureaus have not verified the item and refuse to remove it. 

The account number is : XXXX The collection company is : XXXX XXXX
Consumer complaint received 2022-07-24
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: BARCLAYS BANK DELAWARE (VA)

As per the terms and conditions of this credit card ( attached ) - { You will receive XXXX bonus XXXX  miles and a {$95.00} statement credit after spending {$2000.00} on XXXX Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus XXXX  miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow XXXX weeks for bonus XXXX  miles to be deposited into your XXXX Account after the qualifying purchase ( XXXX ) have posted to your XXXX Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. This is a limited-time offer and may be canceled at any time without notice. } -- -- -- -- - I received the XXXX bonus miles on my statement ending on XX/XX/22. That means I spent {$2000.00} on XXXX Purchases on my statement ending on XX/XX/22. For the {$95.00} statement credit, the terms say - The statement credit will appear at the close of the billing statement after the qualifying purchases post. This means I should also have received the {$95.00} statement credit on the same billing statement ending on XX/XX/22. But I have not received the {$95.00} statement credit. Contacted customer service and they are saying they can't do anything about it. This is a gross violation of the printed terms and conditions that the bank sent to me. Please correct the situation and give me the {$95.00} statement credit immediately as that should have already been posted on my statement on XX/XX/22.
Consumer complaint received 2018-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BB&T CORPORATION (NC)

On XX/XX/XXXX I recieved an electronic alert from BB & T bank that my account was XXXX dollars overdrawn. This being a weekend and the bank is closed and I am a XXXX XXXX Veteran with a XXXX XXXX XXXX awaiting XXXX ; I have a XXXX XXXX. Therefore, I transferred money to my checking account from XXXX on XX/XX/XXXX at XXXX XXXX. The electronic transfer deposit was for XXXX dollars. I received a complete transaction ID # XXXX. According to BB & T representative XXXX XXXX ; stated the following : " The bank received the deposit on XX/XX/XXXX, with a directive from XXXX that the deposit is not to be processed until XX/XX/XXXX. Upon contacting XXXX it was stated to me by their representative, that they are a third party transfer of funds and they do not send a directive on date of deposit. It was stated that the deposit was accepted by BB & T on XX/XX/XXXX. I then, went further and called the Federal Reserve Banking to ask if they put on directives on money transfers from third parties. They stated ; they do not. Therefore, BB & T intentionally on Monday night debits bank accounts first ; then post credits after to cause their customers to acquire an overdraft fee of XXXX dollars to draw up revenue to their bank. This needs to be investigated as soon as possible. Also, they have adopted a bank regulation that a customer can only have one overdraft fee reversed within a 24 month period. This is completely outrageous and they have threaten to close my account if it is not kept up to a certain standard if I file this complaint.