davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (CA)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802, to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts and it is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}
Consumer complaint received 2016-02-08
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for American Express XXXX XXXX XXXX card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Membership Rewards points after spending {$3000.00} in 3 months. I called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative ). Also, I called after approval to double check the terms and again was told I 'm eligible. After I spent {$3000.00} I saw XXXX points pending, but after a while they disappeared. After another 2 calls to Amex in XXXX XXXX and XXXX XXXX, I was told that it takes 6-8 weeks for points to post, but they are coming. 

I just got off the phone with Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product back in XXXX and now all personal Amex credit cards have once in a lifetime signup bonuses. 

This was the first time I was informed I was n't eligible. I repeat before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading in making me spend the required amount ( {$3000.00} ), paying annual fee ( {$470.00} ) upfront, and only then pulling the rug from under me. 

I request Amex credits my account with XXXX points are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I sign up b ) at least 3 calls after I signed up. 

I conservatively value XXXX Amex XXXX point at XXXX cents, so XXXX XXXX points is {$1500.00}. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-12-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (SD)

I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX/XX/2015???
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (TX)

The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (PA)

I opened a checking account on SunTrust 's website and used a debit card from another bank to fund the account. The following day, I was advised, by SunTrust, that the account had been 'flagged ' and would be closed. No reason was given. Multiple inquiries, by phone and in person, resulted in my being referred to SunTrust 's rules and regulations which state : 'The Bank may close your Account at any time and for any reason or for no reason without advance notice. ' It took another three weeks to have my funding deposit refunded. I 've been unable to find anything on my credit report or XXXX file disclosure that might indicate why the account was closed. 
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Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative ( XXXX ). Incorrect address ( XXXX XXXX XXXX XXXX ). Two revolving account XXXX XXXX XXXX and XXXX credit card. Also, a incorrect name XXXX XXXX. I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.
Consumer complaint received 2022-02-06
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. (AL)

I use to owe XXXX XXXX XXXX XXXX XXXX. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So indigo is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact indigo and XXXX reports negative information. I contact XXXX  and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact indigo because it's XXXX  credit card. I uploaded and mailed all agencies copy of my receipt. There are still negative r remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.
Consumer complaint received 2016-03-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

We bank with Chase XXXX XXXX in XXXX California. This morning we have discovered over XXXX checks at around $ XXXX totaling around $ XXXX was debited from our checking account and we were told the money will not be coming back to us for 60 days. 

We are making this complaint because we suspect that Chase internal employee is making this possible. I said that because 1. The check image in question shows our previous address without my name and only my wife 's name on it which we always do. 
2. The check number was previously used by us years ago and it surprised us that Chase did not red flag these checks. 
3. On the back of the check the criminal put " for Deposit Only '' which becomes a restrictive instrument yet it did not indicate if it was cashed or deposited which only a teller can do by forgetting or intentionally skip the printing transaction type of the back of the check. 
4. The check signature was totally different that what we have on the signature card which can be compared to via Chase teller computer screen which is a standard practice for all the banks. 

Chase now is telling that they will do investigation for the next 60 days while others are only 15 days Complaint was filed with XXXX XXXX on XXXX XXXX, 2016 and no reference number was given.
Consumer complaint received 2016-02-29
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (PA)

I responded to a promotional offer which promised {$100.00} if I opened a new Online Savings account with Discover Bank. I completed the application and made the required deposit by the XXXX/XXXX/15 deadline. I have made several inquiries but Discover has not yet given me the {$100.00} bonus it promised. I just want them to comply with the offer.
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX   XXXX   XXXX  is attempting to collect debts for a closed  Capital One.  I wrote  XXXX   XXXX   XXXX   XX/XX/XXXX    requesting the date the original accounts with Capita l One b ecame delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  XXXX   XXXX   XXXX  is attempting to reage the debt which is illegal. According to my state of residency this debt is beyond the three years statue of limitations.   According to my  XXXX   XXXX ,  XXXX  account was reported delinquent by  Capital one o n  XXXX  ; the other  XXXX .
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I received court documents in XXXX XXXX about being sued my Midland Credit Management. Although I did live in XXXX XXXX when I originally got that credit card, I have been living in New York since XXXX. My parents called to tell me I am being sued by them two weeks ago. I have called Midland Credit and they give me a different number to call because it is being handled by a " different department ''. I call the number I was given and the lady says I need to call yet another number but she doesnt have access to the number I have to call to work things out. That I should call again another day. I tried calling a second time, and after almost 30 minutes on the phone again, she has no " access '' to the number I need to call about this. I goodle the lawyer that has the case and call the numbers I find, and its disconected. I have a number on court documents and also try calling with no luck. Two weeks have passed and I cant contact anyone to let them know I am not even a resident there anymore. Im afraid of the court date getting closer and having a judge default to XXXX just because they either dont know what they are doing or refuse to do so, and have the court date come up without me there for a debt from XXXX.
Consumer complaint received 2016-05-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

COLLECTION CONSULTANTS is reporting inaccurate & erroneous information on my credit report. On XXXX XXXX, 2015 I disputed these accounts to all the XXXX major credit bureaus. I requested verification & validation of the debt based on the FDCPA & FCRA. Seeing these accounts had already been paid to the alleged company through my insurance I knew they would be removed immediately. However COLLECTION CONSULTANTS claiming they are accurate. I 've sent COLLECTION CONSULTANTS direct disputes requesting validation of the debt & they have refused to respond to my request. I would like these accounts removed immediately & monetary relief for reporting inaccurate information & not adhering the FDCPA & FCRA. Currently they 're reporting the inaccurate information on both XXXX & XXXX. Since each violation carries {$1000.00} fine, I would like {$4000.00} ( which is only half of what I could legally receive through a court hearing ) & the accounts removed from my reports immediately.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have had this card for about 2-3 years all my taxes and my stimulus money gets deposited on there for myself and my two children, the card had suspicious activity for hotel rooms that were not in my name but aren't fraud to this company, I deactivated and got a new one sent out that card was stolen from my mailbox and blue bird authorized someone to take that card and withdrew XXXX off that card. Now with a total of all fraud charges that XXXX did not authorize is a total of XXXX I have just today put in my 5th dispute with this company and I'm just stress and frustrated, I've made police reports, reports to the post office and nothing is enough for me and my kids to be entitled to my cash. So I did research and found u guys so I'm not only asking I'm begging for the help. I uploaded a text from the person thatstole my card.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I resided in the apartment complex. At the end of my lease. I departed from my apartment on XX/XX/2019. My lease ended XX/XX/2019. I paid XXXX for the full month rate. As I departed in the middle of the month, 18 days early, that left me with a credit of {$870.00} on my lease in which should have been applied to any final balance imposed. I was assisted by XXXX XXXX XXXX  Emergency Financial Assistance to Veterans to pay my last month rent as I was unable too. I was charged {$600.00} for cleaning fee that should have been applied to the prorated credit owed. The Apartment company withheld my credit and did not return it to me or back to the XXXX XXXX XXXX Emergency Financial Institute that assisted me with my payment and tried to charge me with an outstanding balance. The company sent me a cleaning bill in which they claimed they paid their staff the {$600.00} to remove a bed and dresser from my apartment. Because my credit for the month was not returned they should have applied the balance that is claimed, otherwise this would be considered as theft from the XXXX Emergency Assistance program as the credit/funds was not returned. I am not obligated or held to this charge. And I request this collection be removed completely from all credit bureaus report.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX XXXX XXXXXXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX  XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, Transunion and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX  XXXX XXXX Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX  sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.
Consumer complaint received 2015-07-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NV)

SunWest Mortgage is receiving XXXX loan # XXXX and not reporting to XXXX, XXXX & XXXX as well SunWest refuses to send me my monthly Mortgage Statement and without my permission enrolling me in paperless billing and making it difficult for me to send in my payment they are taking ever avenue to direct me in auto-pay I REFUSE TO GIVE THEM PERMISSION TO AUTO WITHDRAWAL FROM MY ACCOUNT in lieu of my refusal there making it difficult to manage my payments and there not reporting history.
Consumer complaint received 2016-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

This is my XXXX submission regarding the XXXX. I paid {$1000.00} to try to reduce my loan ; however, they charged {$170.00} in interest, and paid {$820.00} towards the principal. Basically, I am being penalized for paying early. I had satisfied my monthly payment right before making this payment and specifically directed them to pay down my principal, not interest. If they charge me interest every time I make an extra payment, that is neither legal nor fair. Please instruct them to accept payment on principal and to stop penalizing early payments.
Consumer complaint received 2024-02-16
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2015-08-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america is Lieing, they are saying that my home was refinanced in 2014, I never accepted there offer to Refinance because number XXXX, the Ex Co-Barrowers name ( XXXX XXXX ) was still on every page,2, the refi was not a FHA Hamp,3 , they did not give me any disclosure or details at all.3, the XXXX payment was already late when I got the mail.