davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

I have not had XXXX XXXX for over 6 years and i never owed anything when i closed my account. I paid it in full. I now have a collection on my account from a collection company for this account. I have tried to have it removed by addressing it with the credit bureaus but have had no success. Please help.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-05-04
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. (OR)

In accordance with the fair credit reporting act XXXX Account # XXXX, has. violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (OR)

In accordance with the fair credit reporting act XXXX Account # XXXX, has. violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

In early XXXX, my properly set up automated credit card payment didn't process with Barclay Bank Cards. They  couldn't explain why, and billed me for a late charge and a double payment of {$200.00}. I called and allowed them to take that double payment and got them to reverse the late charge. 

I double-checked my automated payment setup and found it not in effect, so set it up again for $ XXXX/month 5 days before due date. Today, XX/XX/XXXX, when I didn't owe any payment at all, they collected {$200.00} out of my bank account. 

I called, and was told that there was nothing they could do, as I had apparently authorized it ... NOT IN THE LEAST TRUE!. I also hate talking to someone in a foreign country, never able to reach a supervisor. Now I have no idea how they'll hit me again or when. I paid {$410.00} in XX/XX/XXXX for an account with a minimum payment of {$96.00}!! 

I want the payment reversed. They are non-responsive and ripping off their customers. My plan is to transfer the balance and close the account, but can't do so yet.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I signed up for a checking account promotional offer that I was targeted for via snail mail from Citibank. The offer consisted of the following requirements : XXXX AA miles bonus when you open a Citi Priority Account Package and make {$750.00} in debit card purchases and pay one or more bills for two consecutive months. On XX/XX/XXXX I had completed all requirements which were two consecutive monthly bill pays to XXXX plus a {$750.00} debit card purchase. 

Because we're 3 months past the fulfillment of the requirements, I checked with Citibank via online chat what was the status of the bonus. I received the following from the chat rep in regards to my request to check on the status of my promotional offer being disbursed : " You are correct. {$750.00} was made within 60 days upon opening which is XX/XX/XXXX. Two consecutive months bill payments made 1 in XX/XX/XXXX and the last one is XX/XX/XXXX. 
XXXX at XXXX, XX/XX/XXXX : And it states that : XXXX at XXXX, XX/XX/XXXX : The AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within XXXX calendar days from the date when the client completed all offer requirements. Bonus miles credited will be based on the consumer account package at the time of qualification. 
XXXX at XXXX, XX/XX/XXXX : This should be posted automatically by XXXX Thursday. '' On XXXX I received an email notification that I did not meet the requirements. The following language was Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$600.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : The required deposit balances were not met during the offer period My mailer offer was NOT for {$600.00}. It was for XXXX AA miles. The requirements were {$750.00} in debit purchases and two consecutive monthly bill pays. Citi may have a {$600.00} checking account offer that is worth {$600.00} bonus but this was not the offer that I received. 

I am seeking a resolution to this issue that Citibank is notorious for, not fulfilling offer promotional terms and conditions.
Consumer complaint received 2018-12-05
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: Experian Information Solutions Inc. (FL)

I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX serviced two cards for me : one for XXXX 's, and another for XXXX XXXX. My family is attempting to rebuild our credit, and these two cards had high balance ratios and high interest rates, so they are among the ones we prioritized paying off. 

The XXXX 's card was paid off - approx. {$240.00} dollars against a {$300.00} limit. As soon as the balance was paid down, we received a letter from XXXX saying they had closed the account due to credit score. The credit score had not changed. 

Two months later, we obtained a high-interest rate personal loan to consolidate and pay down some of our debts. One of the debts paid off was the XXXX XXXX card - {$3900.00} owed on a {$4000.00} limit. Three days after paying that card completely off, XXXX writes to inform us that our credit limit has been decreased to {$100.00}. 

With the same loan, we paid off a medical expense card held by another bank, and were successful in satisfying it before the deferred interest charges were applied. The other servicer did not close our account nor drop our credit line.
Consumer complaint received 2022-05-04
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. (NJ)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (NJ)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/2022 XXXX XXXX/ {$0.00} / XX/XX/2022
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX of 2015, I was sent a check in my name ( which was spelt wrong ) from XXXX has a secret shopper thing. I deposited the check into my Bank of America Account and did nothing with it, it sat in there for weeks to verify it. Once it was verified they immediately reported to XXXX XXXX. I then found out it was a scam that XXXX did and usually does every year around the holiday 's. Nothing every was reported to me for a while and I went to add something to my account and set a direct deposit, the account was closed without my knowledge. I have sent over the information prior to this and info on the scam and they still think I withdrawled the money, which i never did. i will attache the statement and you can see there was no withdrawal on the account let alone any deposit made on the account. 


Link below : XXXX XXXX   XXXX Link Below : XXXX XXXX   XXXX
Consumer complaint received 2018-04-18
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: FORD MOTOR CREDIT CO. (CA)

I spoke to Ford on several occasions and was told that the data was going to be removed off my credit report because of staue of limitation.The information is affecting my government security clearance.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$240000.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2018-04-18
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: Credit Karma (TN)

It seems to be a account in my name that some one used my social to get accounts and inquiries under my info. From speaking with the companies it look like oh t all took place in XXXX somewhere. I have reached out to both companies and were informed to do this and also a police report which is also done. Can someone please help me get these removed asap. Thanks XXXX open XXXX, 2018 amount owed {$720.00}
Consumer complaint received 2018-04-18
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 (IA)

I submitted a claim three months ago, quoted as below. 
" I referred several friends the XXXX-Amex cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX  points arrived. Following their terms, I waited for 12 weeks, and contacted Amex at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time. '' Amex replied to me via CFPB saying they will handle this, but the truth is, after three month and my multiple inquiries, Amex shut down my inquiry surreptitiously. They told be an investigation should take 8-12 weeks, which is already abnormally long, but even after waiting for such a long time, their response is always, " I'm sorry, but I can not do anything ''. I think Amex is deceiving their customers and acting in a bad faith where they do not honor the promises they made to their customers. I am just a powerless customer facing such a giant financial institution.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (AL)

The Truist takeover of SunTrust Bank has been a nightmare! I still can't access one of my accounts and when I call I have to stay on hold for an hour.

I have done this twice and after finaly getting a person, they say they have to transfer me to someone who can help and then they send me to the wrong extension and I have to strt all over again. I have not been able to access one of my business accounts for a month now! It continues to say that I am logged out when I try to log on.

Just tried to call again this morning and the recording says the wait time is over 60 minutes! What can I do?
Consumer complaint received 2022-06-10
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. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2022-05-04
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-12-05
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. (NY)

I submitted evidence to Transunion 30 days ago showing that my report has erroneous payment history for XXXX XXXX. I only had 2 months of 30 day late payments in 2018. The rest of the months should be reported as paid on time.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AZ)

XX/XX/19 I reset my password following Experians ' instructions. However, they have a secondary security feature that asks to send a verification code to a predefined phone number. The phone number listed is not mine, therefore I did not proceed. I made several attempts in vain to actually speak with someone at the company to get this corrected. There is physically no way to actually speak someone to get this corrected through their automated system. There could be severe fraud on my account if someone has accessed my account and changed the contact information. I have no way to check and I am very concerned. I e-mailed the company and as of yet have not heard back from them on this issue. Please assist. Thank you.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/XXXX a voicemail was left stating I needed to call this company back so they could send me a certified letter. I called back and a woman told me I owed money from an old debt. She stated if a payment was not made by XXXX then they wpuld sue me and a court cost of {$2500.00} would apply. I told her i would have to call her back. I looked on my credit report and called the actual company that this debt came from. They stated the debt was paid in full in XX/XX/2013. This company 3 way called the " so called '' debt collector. The woman got flustered and hung up. This was a horrible, scary, and time consuming experience. I would never want anyone to deal with this scam. It seemed real! The company i had paid the debt in full told me this was most likely a scam. XXXX XXXX XXXX was the scam company here is there info : XXXX  Ext XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a credit card from BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and BANK OF AMERICA with no successful resolution. XXXX, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-22
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. (MO)

During XXXX, XXXX, and Equifax XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, XXXX, and Equifax has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, XXXX, and Equifax is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, XXXX, and Equifax has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, XXXX, and Equifax has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, XXXX, and Equifax has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).
Consumer complaint received 2022-06-13
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. (CA)

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

15 U.S.C 1681 section 602 A. States I have the 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 instructions