davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX and Transunion are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (TX)

XXXX and Experian are reporting incorrectly a collection on the XXXX XXXX account number XXXX, in the amount of {$1000.00}. ( Please see page XXXX of the attached credit report. ) XXXX XXXX   had the wrong social security number listed on this account according to the representative that I spoke with when I was trying to close this account. In speaking with the representative, I was providing my social security number and the representative told me that without my being able to provide the correct social security number they had on the account, that I was NOT authorized to manage this account so consequently I was not able to close this account or even discuss the issues with the representative. This account belongs to someone else and is not mine. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (NY)

I paid a collection that I had with Enhanced Recovery in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is ENHANCED RECOVERY a/c # XXXX reporting as a collection on XXXX only in the amount of {$360.00}
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (CA)

the phone company XXXX was contacted to hook up my home phone in XXXX of 2012 the phone was never hooked up and no calls were ever made on the line I never received any notification of Debt and I just saw there is a XXXX $ debt in collections with TRIDENT ASSET MANAGEMENT this company say they have no email and can not fax a letter of payment this seems a little fishy
Consumer complaint received 2019-07-09
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. (TX)

Equifax and XXXX are reporting incorrectly a collection on the XXXX USA account number XXXX, in the amount of {$1000.00}. ( Please see page 6 of the attached credit report. ) XXXX XXXX had the wrong social security number listed on this account according to the representative that I spoke with when I was trying to close this account. In speaking with the representative, I was providing my social security number and the representative told me that without my being able to provide the correct social security number they had on the account, that I was NOT authorized to manage this account so consequently I was not able to close this account or even discuss the issues with the representative. This account belongs to someone else and is not mine. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (MI)

Spire Recovery Solutions is using improper methods in order to attempt to contact me. 

My mother, who lives in another state in the XXXX United States, received a call on or about Friday, XX/XX/2024 asking for my whereabouts and a good phone number. The nature of the call or that the company was a debt collector was never disclosed in the call prior to asking for my information. 

Further, i have received repeated automated calls from spire recovery at various times of the day- may or may not have escalated to the rule of 7 in 7 days, however on XX/XX/2024 a direct voicemail was left on my phone that states only, " this is XXXX calling from XXXX. im trying to obtain location information for XXXX XXXX ( my full name stated in voicemail recording ) and spire requesting a call back. the voicemail is saved. there is no identification given by spire in the voicemails, or calls, prior to their trying to obtain personal information. transcript attached
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America has been a pain I filed a fraud case on the account on a card I never received back in XXXX they open a claim finally in XXXX jus to deny it I gave them everything thing they needed for claim even did the research for them and yet they still dont wan na reimburse me Im a victim of fraud and its unfair yall knew since then
Consumer complaint received 2019-07-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I contacted Portfolio Recovery Associates, LLC about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a generic statement and response ( attached below ). Anyone can create a statement and attach another person 's name to it. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. I would rather have these items removed from my credit reports without having to take legal action.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been trying to access my Credit Reports from Transunion, XXXX and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same
Consumer complaint received 2022-12-15
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-15
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. (GA)

I want to inform the credit bureau AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

I made a Venmo account recently and someone close to me came into my home and wiped me clean of most of my accounts and banks including my Venmo and locked me out of my new phone and number. Locked me out of my emails. I regained access to my email and locked them out of my account. The police have XXXX  her and XXXX  her pending charges. Venmo tells me I owe them money and they banned my account when Ive never even had a Venmo account. My identity was stolen last year and someone filed my taxes and opened many cards in my name. Ive not heard about Venmo having an account for me. They are holding my funds and will not respond to my requests for email. The account specialist was very rude and told me that they were going to ignore me from here on out basically. I am requesting my funds be given back to me and me be able to make an account with Venmo. It is not fair that identity theft is still causing me this much pain and suffering. Please give me my money and access to my account back
Consumer complaint received 2019-07-09
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: JPMORGAN CHASE & CO. (CA)

I opened an account with Chase with a {$300.00} bonus for new checking users. I completed all requirements, and did NOT receive a bonus. 
After speaking with Chase multiple times, they said I have not met the requirements due to a fee which was charged and waived on the XXXX of XXXX. 

I deposited {$1000.00} or more within 20 days of opening. 

I maintained at least {$1000.00} for 60 days. 

And I completed the 5 qualifying actions. 

They are saying I didn't maintain the XXXX dollars on the 60th day,  where they charged a XXXX dollar service fee. 

On that 60th day, the XXXX dollar service fee brought me below XXXX dollars, but reading the stipulations of the promotion, it does not define that I need to keep the {$1000.00} dollars for that 60th night, only that I maintain the {$1000.00} dollars for " 60 days from the date of deposit '' which I did. 

On XXXX  XXXX, 2019, I opened the account. 
On XXXX XXXX, 60 days later, the account fell to XXXX due to a fee from XXXX that was later refunded/waived. 

This mistake by chase has caused the system to flag my account as not meeting the requirements from the bonus.
Consumer complaint received 2019-09-20
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)

All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or XXXX pulled my credit report from XXXX and XXXX reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but XXXX and both Experian is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last 8 years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NC)

I had two balance transfer transactions on the same card. Both with unique transaction IDs and expiration dates. I was approaching the expiration on the first one and inquired through the customer service number how I would go about making a payment to pay that particular balance off. I was informed that I would have to wait until the day that offer expired to make the payment being as that balance would then be assigned an APR ( where all previous balances were at zero APR ). I called the card company again when that day came and asked if that was indeed correct. They said that I should submit the payment and they would apply my minimum payment according to their terms and everything paid beyond that would be applied to the balance with the highest APR. Seeing as that balance was expiring that day the customer service rep said I was good to go forward with paying that balance off. I made the payment moments later through their online app and didnt think anything more about it. I received my new statement and found that not only was my payment not applied to that balance, but they also extended that particular transfer offer another month. Only about a tenth of the almost {$1000.00} dollar payment was applied to the expiring balance and the rest was applied to the other balance transfer that didnt expire for months. I opened a case that day with the customer service department who was supposed to return my call with any updates or results since they didnt understand why the offer was extended another month and not sure it can be fix now that the payment has been applied. 
A week went by with no phone calls. I called back and was told there was no open case and was transferred to the executive office who proceeded to open a case and send me to a supervisor. That was over a month ago. I have called roughly once a week to check up seeing as no one ever called me back as they claimed they would. I have spoken to countless supervisors and case managers who continue to say weve never seen anything like that and I dont know how that happened or how we can fix it. I even opened a resolution case with the bank that the card is issued by and that case was closed 20 minutes later because a case with the executive office is already open and they will take care of the issue. I just received my newest statement which now has interest included for that remaining ( now expired ) balance transfer that should have been paid off two months ago. I should probably mention that I also work for this same bank and even being both an employee and a customer has gotten me no closer to the issue being resolved.
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Reaching out to have this account ( XXXX XXXX ) removed as it has been paid in full. I have fulfilled my end of this account and it should not have gone to collection. Requesting this be deleted and removed immediately as it has caused major damage to my credit report. 

GENESIS CREDIT MANAGEMEN is the company that has the debt
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

Today Date XX/XX/2019 This complaint involves ChexSystems. 

I received a denial letter from XXXX XXXX in regards to opening a money market account. They said their decision was made in part due to a report from chexsystems and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called chexsytems to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

My father  is over XXXX years old. He has a joint checking account at Citibank with my mother. My mother was not able to get on the phone. My father asked me to check his account statement online on XX/XX/2019, but I could not access his account. I called XXXX to try to resolve this problem and get access to his account. They spoke to my father directly. My father answered all their questions accurately, but they refused to grant him access to the account.

We spent over 50 minutes and spoke to several account representatives, and alleged " managers '' who could not resolve the problem. On the last failed attempt, the only two questions they asked my father were ( 1 ) his account number, and ( 2 ) the last four digits of his social security number, both of which my father answered correctly. I verified them myself. Yet he was told by the representative that the answers were wrong and they refused to give him access to his own account information. When I asked the representative to simply repeat what she had heard my father say, so that I may verify whether or not she heard it right, she refused and told us that it was against company policy to simply verify that they heard my father correctly. Her name is XXXX. Her subordinate 's name is XXXX. Their team ID No. is XXXX. I was told that the representatives were operating from XXXX XXXX, XXXX, but they could not divulge the name of the person responsible for the call center at which they work. They gave me only an address where I could mail my complaint. Citibank Retail Bank Executive Response Unit, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, but they did not give the name of any person in charge. 

When I asked to speak to the head of the department, I was told they could not escalate the problem any further. I was not given an email address or a fax number where I could send a power of attorney, which my father had signed authorizing me to access his account so that I may manage his finances, and pay all his bills in a timely fashion. I was told that they would mail me a POA form. I gave them my address but when I asked them to verify what they had heard me say, so I could be sure they heard me correctly, she insisted that she could not verify the address that I gave her, to which they should mail the POA. So, now, I have no idea whether they have the right address, and it will be weeks before I or my father can access his own account online. 

It is sickening to realize that Citibank has outsourced the job of managing US accounts to people overseas, to save a few dollars, and at the same time has made the process of accessing information about US accounts so difficult that they have effectively made it impossible for US clients to access their own accounts. There isn't even a local Citibank branch near our house in XXXX NJ. Banks should not be permitted to operate in the US, if they are not available to handle complaints and provide efficient local customer service.
Consumer complaint received 2019-07-09
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: EQUIFAX, INC. (MS)

On XX/XX/1019 XXXX XXXX did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it online.