davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I received a marketing call in XXXX of 2019 seeking an application for an American Express Gold card and the main selling feature was that I would receive 4x reward points on purchases in the category I spend the most in each month. I have received 4 monthly statements and have only received 1x rewards points in each month. I have called customer service each month regarding this issue. In the first month the representative was able to manually credit my account for the extra 3x rewards points. each consecutive month I have called I have been told this is a known programming issue and they are " fixing it. '' I am concerned that this will never be fixed and I have already spent a lot of time on hold and with customer service trying to get this resolved. To date I am short approximately 60,000-70,000 points which has a value of between $ XXXX- {$900.00} and this is continuing to climb with each purchase I make.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meade & Associates, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (AZ)

Contacted by TSI ( https : //www.tsico.com/ ) XX/XX/19 @ XXXX ( XXXX XXXX -A female asked to speak with XXXX XXXX. Without confirming my first and last name I asked " who am I speaking with ''. The agent responded with her first and last name. I asked " what company are you with '' and she disclosed her company name as well as the Original Creditor for the debt in question. 
-Mini-Miranda is a legal warning debt collectors are required to use at the beginning of communications with consumers, both written and oral. ... The purpose of the communication is to collect a debt. Any information disclosed by the consumer will be used to collect the debt. < -- This was not said. Please pull the recording.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX XXXX, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by  XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (PA)

This collection agency has debt that has ready been resolved by our medical insurance. The debt was caused due to a data entry error with the original debt owner. It has been requested, multiple times, including in writing via USPS, that a letter needs to be sent to us showing the amount of debt/account information. As explained to them, this is needed to match up explanation of benefits from the insurance company to show they paid the amounts. they have also declined to provide a total debt amount to me. They promised to send the information via the mail multiple times but it has not been done. Now they call myself and my husband daily. When they call they hang up as soon as we answer. I've attempted to call them but each time I am put on hold then hung up on. Several prior conversations, including a letter, advised that the debt did not exist. They state that it is not their responsibility to contact their client ( the  original owner of the debt ) and if I want it resolved I will need to provide proof to them.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (FL)

It 's seems like someone wanted to create a chase account in my name through their online website. The reason I know of this is because it appeared on my credit report. I currently live in an awful building with very poor security and I think someone has been watching my mail box. I already notified my landlord to change the locks on my mailbox. This has happen in the past where they have broken into the mail. I 'm try to move out this building but because of this hard inquiry it brought my credit score down. I open two credit card recently but that was only with XXXX XXXX XXXX and XXXX XXXX but that was to increase my credit so I could leave this place.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

On XX/XX/2016 I became a resident at XXXX XXXX, and had an agreement that only required me to stay in my lease for a term of 6 months without penalty on the 1 year lease signed. 
I turned in my keys after 9 months, and later discovered I was billed for the 12 month leased term. This is severely unlawful and prejudicial as its reflects on my XXXX  credit report. XXXX XXXX no longer are in business and was brought over by XXXX XXXX XXXX XXXX. ( XXXX ) XXXX
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

On XX/XX/2019 Quicken Loans called me to refinance my existing mortgage with them. The words " refinance '' or " we need to re-run your credit '' were never said. I advised them that I didn't want to run my credit report again, but the representative, XXXX said that she already did. I asked to speak with a manager, which I did, but he can't " un-run '' my credit report. They continued to try to sell me their " product ''. I feel personally violated by this gimmick.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I made an online purchase from XXXX. Never received the items and was charged {$160.00}. Contacted the company via phone and email with no response over a dozen times. Went to my bank, Citizens to dispute the charge. Received a letter from Citizens that there was nothing they could do because too much time has passed. Im only XXXX and thats a lot of money to me.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-12-02
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. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-09-06
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: EQUIFAX, INC. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am  not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit file and their were several inaccurate items reporting on my credit file. I noticed that there are 3 accounts reporting incorrect late status and 5 accounts that are not mine ( either because it is reporting in error or as a direct result of identity theft ) : XXXX XXXX  - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX - I was never 30 days in XX/XX/2019 ; please remove ; XXXXXXXX XXXX XXXX - I was never 30 days in XX/XX/2019 and 60 & 90 days in XXXX  - XX/XX/2019 ; please remove ; The following accounts do not belong to me : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Ed The inquiries was never authorized by me : XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have had a XXXX XXXX  account reporting on my XXXX  Experian and XXXX   for a while now as a charge off status, Experian has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, XXXX  has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Consumer complaint received 2019-08-09
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. (MI)

I recently contacted Experian and spoke with a manager named XXXX and a team member of his named XXXX. He said they were part of the XXXX team. 

XXXX and XXXX informed me that it is my problem to to send valid proof to the creditor and furnisher about information that they provided to them. I thought that the credit reporting agency is supposed to verify the accuracy of anything that is being sent to them before they publish it on a consumer 's report. 

They stated that is the law but it doesn't work like that. So basically they were saying to me that anyone can add something to my credit file and it is up to me to send valid proof whether or not that information is correct but the creditor or furnisher doesn't have to send anything. That makes no sense is my reply to them. 

This is my third dispute with them and I keep getting the runaround and they are ignoring or disregarding the information I provided to them. It shows clearly that they are in violation of the FCRA regulations and they still will not remove the inaccuricies they are reporting. There are other multiple violations as well on my report.
Consumer complaint received 2019-08-09
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. (TX)

I have had a XXXX XXXX account reporting on my XXXX, XXXX   and Transunion for a while now as a charge off status, XXXX has reported it in XX/XX/XXXX-XX/XX/XXXX and starting XX/XX/XXXX and has not updated since then, XXXX has been reporting but has not been showing in payment history, Transunion last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

XX/XX/XXXX I moved into an apartment with my ex bf when I signed the lease it was stated that I had no income and would not have any for the next twelve months. My ex moved out 3 months early and now they have sent the account to collections thats preventing me from moving. I have asked them to validate this debt numerous times in the past two months and I still have received no documentation since around XX/XX/XXXX when I disputed this debt.
Consumer complaint received 2019-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WI)

Auto-withdrew XXXX  from my bank account on XX/XX/2019 which is not the amount that I consented to when I signed up for automatic payments. I normally pay {$XXXX}. That is 720 % more than I have predictably paid. Called on XX/XX/2019 to explain the situation and asked for help. Was told any refund would take 60 days to process - this is totally unacceptable. I had submitted information to continue my income based repayment. Now I am severely overdrafted with my bank and racked up {XXXX of fees. 

They sent me a notice telling me to update my income based repayment on XX/XX/2019. I immediately completed it. It seems totally unreasonable to send me this notice and hike up my payment coming due 5 days later when they do not process these income driven repayment plans take 30+ days to process on their end.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

On XXXX, a person using the name XXXX XXXX claimed to be selling XXXX XXXX tickets. She asked me to send {$XXXX} through Paypal Friends and Family.  The paypal name of this person was XXXX XXXX and email was XXXX. I then realized it was a scam and asked her to refund the money. She claimed to have done it, but did not. She eventually admitted it was a scam and I did not receive tickets through email. 
I filed a claim through Paypal 's Resolution Center ; they closed it and will not reverse the payment. The payment is still processing through XXXX XXXX.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax notified me that they had checked into my complaint that a credit collection appeared in my Equifax report that was not mine. They found that it was mine after reinvestigating. The collection amount is XXXX. 

The collection was from XXXX  XXXX XXXX  now know as XXXX XXXX XXXX in XXXX, Florida. I live in XXXX, NC and have not been to this part of Florida in 25 years. The bill up for collection was for a XXXX XXXX born in XXXX. I was born in XXXX. I have never seen the XXXX Hospital or Dr. XXXX or the XXXX XXXX XXXX.. I found a number for XXXX XXXX XXXX online, they gave me the number for XXXX XXXX XXXX who does billing for XXXX XXXX XXXX  XXXX. 

I found out all of the above in less than 15 minutes on the phone. Equifax did not reinvestigate anything.
Consumer complaint received 2021-07-13
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. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

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 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE CORPORATION (FL)

On XX/XX/XXXX, the beneficiary of my savings account XXXX XXXX, received a letter from Centerstate bank that my savings account was going to be closed in 30 days. Im the primary account holder and never received a letter. The current balance of the account is $ XXXX. I contacted my local Centerstate branch on XXXX and asked why my account was being closed and their response was its our discretion, please file a formal complaint. I have been a loyal customer for over 5 years with Centerstate bank. My accounts have always been in good standing. There have never been any fraudulent charges or compromises of my accounts. I feel I am being discriminated against and treated unfair.
Consumer complaint received 2023-02-01
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. (CA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

XXXX XXXX  has sold my private information to resurgent without my authorization. I am to receive compensation for damages, they have violated my right to privacy. Pursuant to 15 usc 1692 ( e ) They are in violation of the ( FDCPA ) fair debt collection practices act, 15 USC 1692c ( a ). They do not have consent they are in violation and I am seeking damages XXXX XXXX constantly keeping selling my private information to different companies that currently harass me daily by phone and mail.