davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XXXX XXXX XXXX transferred ownership of the loan to XXXX. However, XXXX XXXX has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XXXX with XXXX XXXX and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and Equifax in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, XXXX XXXX has not clearly reported account updates to all 4 major credit bureaus.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

An account was opened on XX/XX/2016, at  Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AL)

I obtained copies of all three of my credit reports and observed a collection account on my credit report from ERC for an XXXX XXXX XXXX bill which I do not ever recall having an XXXX XXXX XXXX  account ever. 

A certified letter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Company ( ERC ) on XX/XX/XXXX, please see the attached letter where I requested documentation to support that this was, in fact, my collection account as I do not recall ever having an account with XXXX XXXX XXXX  I received a response letter, also attached from ERC on XX/XX/XXXX stating in paragraphs 5 & 6 : Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of this notice, the debt will be assumed to be valid by us. 

If you notify our office below in writing within the thirty-day period that the debt, or any portion thereof is disputed, we will obtain verification of the debt or a copy of any judgment that may be of record against you. We will mail the verification or copy of the judgment to you. 

I followed up with another certified letter, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, also attached, again requesting validation that this debt belongs to me. Again, they sent me a letter dated XX/XX/XXXX only to state that this debt remains unpaid. ERC still has not provided any documentation to prove that this debt belongs to me even after their own letter states that if I request the supporting documentation, it will be mailed to me. I requested proof that this debt belongs to me on two separate occasions with no success.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

I have been a customer of Chase for nearly ten years. I have had the credit card in question ( Amazon XXXX Rewards XXXX XXXX Card ) for seven years. Since opening the account, I have drastically improved my credit situation ; my current score is now an XXXX, when it was in the low XXXX when I opened the card. 

As such, I submitted a request for a review of the APR for the card, as I had noticed my rate was 22.24 %, which seemed high. Looking at their own advertisements for this card, the variable APR range is advertised as 14.24 % 22.24 %. I assumed I had the highest possible rate because I barely qualified for the card when I opened the account 7 years ago, and incorrectly assumed it would be a simple matter to request this review based on my updated credit file. 

I have been blatantly lied to by Chase in their response, claiming " your current APR is the lowest rate available for your account ''. They have obstinately refused to enumerate the available range of APR values and denied that my citing their advertisement is relevant. I have requested a copy of my cardholder agreement which will undoubtedly confirm that my rate is the highest available, the exact opposite of the lowest they claim it to be ; for some reason, in 2022, it takes 10 days to receive a copy of this after requesting it instead of simply being available as a pdf to view on my customer portal like every other account I have. 

They have refused to provide this range from my cardholder agreement despite numerous direct requests for this information, I am being forced to wait for this stupid agreement request to be fulfilled ( naturally by a wasteful paper copy by mail so I can't easily search it digitally, as well, a legal tactic that several court circuits have soundly condemned as unethical ). 

I believe I am well within my rights as a borrower to receive this information when requested, and to request a re-review of my APR. Certainly they are in violation of their end of the agreement by refusing to provide simple information when requested, and by lying about the status of my account 's interest rate, claiming it is the " lowest rate available ''. 

I'm uncertain of my rights with regard to a review of my account 's interest rate, but if not, then what is the point of the variable rate if they can simply decide to lock you at the highest possible value and never allow you to escape being punished for being poor a decade ago? It feels misleading to advertise that a range of rates is available " based on credit-worthiness '', and then refuse to take my current credit report into consideration and simply flatly deny my request for review.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

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

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 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 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I recently read through a copy of my credit report, and I noticed addresses, names, date of births, phone numbers and employment and social security numbers listed on there that are not correct. The only address that should be listed is shown at the bottom. There should not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof with my correct address and spelling of my name. Please send me an updated report as soon as you have deleted the inaccurate personal information. 

My full name is : XXXX XXXX XXXX There should be no other names listed. Please remove any others that remain My Social Security Number : XXXX There should be no other social security numbers listed. Please remove any others that remain My Date of Birth : XX/XX/XXXX There should be no other date of births. Please remove any others that remain My address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Any previous addresses are undeliverable, and I have no access to them. Please remove at once. 

My phone number : XXXX There should be no other phone numbers listed. Please remove any others that remain Employment : NONE, all employment listed on file is incorrect
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Received statement XX/XX/XXXX to XX/XX/XXXX for the amount of {$4800.00} from fifth third bank. Never open a account with them account was open in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX fl XXXX. I believe this person has stolen my identity
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CA)

I filed a unauthorized transaction claim on XX/XX/XXXX, Sent them everything they asked for, it is 113 days later and i havent gotten my money back or even a single update, in a email they have sent me i was told that it will be resolved in maximum 90 calendar days, let me state again it has been 113 days! all of my money is gone and they are not doing a single thing about it and are not even updating the dispute in the legal time frame the fdic has given them!!!!! PLEASE HELP I JUST WANT MY MONEY BACK.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (VA)

On XXXX, I attempted to send {$2600.00} from Binance.US to my XXXX XXXX XXXX Account. Tracking Number is as follows ; Tracking Number ( Order ID : XXXX ) I waited for over ten days before reaching out to Bank XXXX XXXX and Binance.US. Binance does not have a phone number so I had to submit trouble tickets on line. XXXX  XXXX XXXX notified me that I needed to change my name on my Binance account and gave me different numbers to use. According to them, the money sent should have went straight back into my Binance.US account. 

My Binance Complaint tracking numbers are XXXX, XXXX & XXXX ( One reported that I needed my money refunded and the other reported that I needed to change my name from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. 

XXXX USER ID : XXXX Account name : XXXX XXXX XXXX XXXX Bank Account Number : XXXX Routing Number : XXXX To date I have emailed BINANCE at least 7 times with no response other then one message from asking me if I was still having a problem. 

Appreciate your help XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is reporting incorrectly to XXXX and Experian a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the XXXX XXXX  who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child on the way and I desperately require moving into a larger home.
Consumer complaint received 2020-01-27
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. (GA)

I, XXXX XXXX is disputing the balance of {$3000.00} I owe on this account. Also, incorrect reporting to the credit bureaus in regards to amount and reporting " Charge-Off '' status every month. 

XX/XX/XXXX and XX/XX/XXXX are your last correspondence to me which states 'all of your reporting 's to the credit bureaus are correct. '' I disagree. 

Please stop harassing me with collection calls/letters and defaming my credit and FICO score by reporting to the Credit Bureaus Charge Off and incorrect amount every month to my account as of XX/XX/XXXX. Charge Off is only to be reported once. 

I have been trying to resolve this matter with XXXX XXXX for approximately a year via phone and via credit bureau disputes. 

XXXX XXXX informed me via phone that it was illegal for XXXX XXXX to accept a payment from me until XXXX XXXX corrected the errors on my credit report. The XXXX XXXX employee stated she would file a credit bureau dispute. Instead I received collection letters and calls with threatening law suits. 


This unresolved matter : 1. Has interfered with me in purchasing a home and an automobile as a creditworthy customer 2. Lowered my creditworthiness and FICO score. 



To assist me in resolving this matter : 1. Im writing to request a copy of my XXXX XXXX Statements for the above accountXX/XX/XXXX-XX/XX/XXXX. 

2. Please inform me of XXXX XXXX charge off policy. How many months does XXXX XXXX wait before a delinquent account is charged off? 

XXXX. Does XXXX XXXX have a Hardship Policy? If yes, what are XXXX XXXX guidelines? 

I previously requested a hardship due to my unforeseen loss of 50 % income, from the death of my mother and my brother. Twice within two months I had to travel to New York with Funeral, Hotel, Food and Transportation expenses. I was denied by XXXX XXXX. While all of my other creditors enrolled me into their hardship program. 

I have been a credit card holder with XXXX XXXX in excellent standing for at least fifteen years. 



Sincerely, XXXX XXXX CC : Three Credit Bureaus Consumer Federal Protection Bureau
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I used my credit card to pay a doctor for a procedure on XX/XX/21. My credit card was charged and the doctor was not paid. My doctors office ran the charge again ( {$2700.00} ) and it went thru. My credit card charged me for the initial charge in which they did not pay the doctor and also the charged that amount again when the doctors office submitted the charge leaving me with a {$5400.00} total charge.

I have accrued redeemable points thru my credit card charges. I redeemed these points for Amazon e-cards one in the amount of {$10.00} and another In The amount of {$25.00}. I was sent invalid number for these cards and was not able to redeem them. In addition I was charged for 4 other Amazon gift cards which I never received. I cant prove that since there is no record of it on my side.

I then Made {$100.00} payment to my account which was never recorded.

These issues have been going on for weeks. I have spent countless time in the phone with customer service with no resolution, just a continuation of one issue after the other! I am now concerned that my XXXX  credit score will be ruined since they arent recording payments!
Consumer complaint received 2018-02-12
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: Experian Information Solutions Inc. (MT)

On XX/XX/XXXX, I pulled my credit report and saw that Experian is inaccurately reporting information on my credit report. More specifically, reporting 30 days late on my XXXX XXXX/XXXX account for the month of XX/XX/XXXX.

On XX/XX/XXXX, I contacted XXXX XXXX/XXXX  regarding the Experian reporting 30 days late on my credit report. XXXX XXXX/XXXX provided me with correspondence indicating that XX/XX/XXXX should be reporting as current and that they would notify the credit bureau of said status.

On XX/XX/XXXX, I again pulled my credit report and Experian did not update the 30 days late to current. Therefore, I filed a complaint with the CFPD ( Complaint Number XXXX ) against Experian.

On XX/XX/XXXX, I received a notice from CFPB that Experian had responded to the complaint. Experian states that they contacted XXXX XXXX/XXXX and They responded and verified that the disputed information was accurate as reported. It said information was accurate as reported, then please explain why XXXX XXXX/XXXX  would provide me with a letter indicating that the XX/XX/XXXX 30 days late should be reported as current?

On XX/XX/XXXX, I received an email from Experian indicating that it could take up to 45 days for me to receive results.

On XX/XX/XXXX, Vague correspondence from Experian indicating reinvestigation is submitted and complete.

On XX/XX/XXXX, Correspondence from Experian indicating the XXXX XXXX/XXXX   account was updated but it is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Experian indicates Experian is currently investigating the disputed account information.

On XX/XX/XXXX, Correspondence from Experian indicating the reinvestigation is submitted and complete and was updated but is still reporting as 30 days late for the month of XX/XX/XXXX.

On XX/XX/XXXX, Correspondence from Commentiy XXXX/XXXX  indicating that the account should be reporting as " current '' NOT " 30-days late ''.

On XX/XX/XXXX, Pulled my credit report once again and Experian is still reporting this as late.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I used XXXX to attempt to build credit. I purchased an item with their online store credit for a total of {$240.00}. When it arrived it wasn't what I expected but had issues returning it due to a damaged return label. I requested another one but had difficulty receiving it until after the 90-day return policy. During this time I made payments. The payments were returned to me and I spoke with them about this. I made the payment with a person on the line and she agreed it went through. The account said that. They still reported me 30 and 60 days late on my credit report. They didn't use the date I made the initial payments but rather the day that I corrected the issue. I would like them to remove the late 30 and 60 day reports from all three credit reporting agencies. This has caused a XXXX point drop in my credit score over something under {$250.00} and because of that my mortgage was denied according to my mortgage agent. I spoke with free legal advice experts at the Veterans Affairs who referred me to you. I have tried resolving the issue with the company and they can not give me timelines to fix the issue as I have a child on the way and I desperately require moving into a larger home.
Consumer complaint received 2022-01-13
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. (OH)

XX/XX/2017 Dollar amount {$6700.00} Ive disputed this with XXXX Now by certified mail notarized letter no response also letters was forwarded to all XXXX credit bureaus Experian, XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (VA)

I got subpoenaed by Wells Fargo to go to court over a credit card I had defaulted on. I went to court, but the lawyer from Wells Fargo did not show up and the judge dismissed the case. This happened probably in the middle of 2019. Today I checked my bank account and Wells Fargo had taken {$850.00} out of my account and left me {$100.00} for myself and my XXXX kids to live off of for the next 2 weeks. I called them and told them the case was dismissed, the agent told me they refiled and were granted a judgement against me. She also stated that the subpoena for the second case was left at my door. Which I never received, nor did I receive any letter from them stating that they would start deducting money out of my account, because I would've gone to make payment arrangements. She then told me to contact the law office that handled the case to set up payments, but they couldn't give me any of my money back to live off of in the mean time. I'm going to call them again, I just don't understand how they take however much they want putting me an my family in a hardship. Everything I have researched says the max they can take is 25 % after mandatory deductions. They took way more than 25 %, and next time, a little notice would be greatly appreciated.