davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
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: AMERICAN EXPRESS COMPANY (NJ)

The platinum card ending has been settled on XX/XX/XXXX to the collection agency Amex has assigned but on XXXX  credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the Amex is reporting correctly? If you collection agency didnt report to Amex in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your American Express and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and XXXX  that show American Express reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from American Express 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from American Express end. 

XXXX  : Amex Blue Cash & Delta Skymiles account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by Amex representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

XXXX  : Amex Blue Cash card is still showing on XXXX  as charged off but no update on to the payment status being paid in full and after speaking to the XXXX  's representative today they advised me to check directly with American Express because only Amex could send the update as charge paid in full. 

Amex Delta Skymiles card is still showing on XXXX  as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by Amex I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CL Holdings LLC (IL)

XXXX XXXX- XXXX {$270.00} Jefferson Capital Systems- XXXX XXXX {$620.00} XXXX. Preserve at XXXX XXXX {$5100.00} Those Account does not belong to me has to be removed from my. XXXX CREDIT REPORT. Someone used my identity
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2022 my landlord initiated a money transfer to refund my security deposit in the amount of {$3800.00}. From BoA to XXXX. By mistake I provided incorrect ( last four digits in the wrong order ) account number. As a result the funds went to a wrong person in my bank. The sender made a request with BoA to resolve it and after almost 30 days of investigation Bank of America declined the claim without even contacting my bank. I made number of claims with my bank ( XXXX ) and every time I was told that in order to resolve it, BoA must contact XXXX and request a recall. In this case XXXX will follow a guideline to resolve it. It seems like this is the only way, but for some reason BoA wouldn't contact XXXX. I attached the letter from XXXX where they say that BoA must send a recall request to XXXX. Mistakes happen, but there should be a way to resolve this, to help your customers.
Consumer complaint received 2016-08-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management (FL)

after frequent messages left and contacting me through my former employer number, I called and tried to negotiate to resolve the balance. the collections agent was rude in her language, threatening further recourse. I asked repeatedly for terms to work through this unexpected debt received after other medical expenses had been covered and paid for my youngest child 's XXXX.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IL)

We are legally married for more than 10 years. Now I have XXXX Rewards store credit card for about half an year and accurately paying my balances. I called XXXX Bank who issued the card several times to add my wife XXXX XXXX as a joint account holder but they refused. We have same household and marriage certificate and a number of joint credit cards and joint bank account since 2004. It is absolutely unclear why my wife can not be joint account holder and may be only authorized user without supplying her SSN and report to credit story.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (FL)

On XXXX XXXX I received notification from XXXX  ( via their mobile app ) that a collection account was placed on my credit report in the amount of {$580.00}. The account allegedly derived from a payday loan with XXXX XXXX. I have previously been in contact with XXXX  XXXX via mail regarding this account. I have explained t oXXXX XXXX on several occasions that this account was not mine and I had no knowledge or responsibility for this account. The account was placed with XXXX XXXX XXXX and was removed from my credit report as the result of a dispute. Debt Recovery Solutions has again placed this account on my credit report and have done so without any prior notice to me of any kind. I have never heard of Debt Recovery Solutions until I received notice of their placement of a collection account on my credit file. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (TX)

Experian all they want is for you to give them money they say we will boost your credit score if you pay them. I am XXXX XXXX XXXX paid my deductible on my XXXX experian wants money and they will boost my credit score I used to have XXXX now they have dropped it to XXXX. But apply for a credit card or pay them $ $ they will boost my credit score this has damaged my credit and call them is impossible. Thanks for help. XXXX
Consumer complaint received 2016-11-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF HAWAII CORPORATION (HI)

{$800.00} was stolen from my fiance 's checking account on XX/XX/XXXX. He was previously removed his administrative assistant as an authorized user. At that time he went to the bank to get her removed, the bank failed to mentioned that even though " removed '' she still had access to the account. Again, when I was added to the account last week Tuesday, the bank had me and my fiance sign authorized users document that did not have her as an authorized user to his account.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX have 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, also states a consumer reporting agency can not furnish account details without my written instructions. I have not given any such instructions.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact Regions Band - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Company failed to due an adequate investigation of my dispute on an entry on my credit report. A company called XXXX XXXX XXXX has two entries on my consumer credit report. When previously disputed it has come back verified. I then requested in writing full verification of debt from the company but these letters went unanswered. I have since found out that this company is no longer in business per the BBB website. In additon this same collection agency recently entered into a consent agreement with CFPB for violations of FCRA laws and was fined. So I am wondering how was this debt verified with a company that is no longer in business???
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SN SERVICING CORPORATION (TX)

I, XXXX XXXX XXXX originated my loan last XXXX XXXX, 2003 from XXXX XXXX XXXX with 6 % interest rate at the time of the purchase of my homestead. My loan had been transferred to SN Servicing Corporation. From 6 % SN Servicing Corporation had signed me note with 7.370 % rate. I had undergone medical operation. My health circumstances had affected our finances yet I continue to pay my monthly mortgage & dues of {$2000.00} to the bank faithfully. 

I had requested for the Federal Government 's Home Affordable Modification Program that made available for home owners like me. In order to assist me avoiding the foreclosure. I had already communicated with them and sent all requirements to SN Servicing Corporation yet they did not consider my loan that was originated the Deed Of Trust on XXXX XXXX, 2003. SN Servicing Corporation have not dealt to me in good faith until this moment.
Consumer complaint received 2016-01-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express sent me an offer on its Delta Skymiles Card offering me XXXX miles if I signed up for the card and spent {$1000.00} on the card in the first 90 days. I got the card and spent the {$1000.00} within 90 days. American Express denied me the bonus miles because in the fine print terms and conditions it said that I previously had this card and therefore was not eligible for the promotion. This should have been made clear to me when I signed up or I never should have been offered the promotion to begin with if I was ineligible.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, XXXX, and TransUnion. XXXX has deleted the item from my report. While TransUnion in clear violation of the FCRA continues with what seems to be malice to report these items. I am providing TransUnion with documentation to this effect ...
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

My Equifax credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, Equifax reports the following information that does not belong to me : 1- XXXX, XXXX/XXXX/XXXX, {$410.00} 2- XXXX, XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- UnknownXXXX, XXXX/XXXX/XXXX, {$400.00} 4- UnknownXXXX, XXXX/XXXX/XXXX, {$940.00} 5- XXXX Mortgage, XXXX/XXXX/XXXX, {$18000.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 7- XXXX, XXXX/XXXX/XXXX, {$89000.00} 8- XXXX, XXXX/XXXX/XXXX, {$5100.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$4000.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$21000.00} 11- XXXX BankXXXX XXXX XXXX/XXXX/XXXX, {$300.00} 12- XXXX Vacation XXXX XXXX XXXX/XXXX/XXXX, {$13000.00} 13- XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX, {$180.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$3700.00} 16- XXXX XXXX, XXXX/XXXX/XXXX XXXX {$360.00} 17XXXX XXXX, XXXX/XXXX/XXXX XXXX {$4900.00} Please remove these items
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (TX)

Hello. I have disputed the credit reporting of XXXX XXXX XXXX several times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have uploaded additional documentation with the disputes claims as Experian has requested. However, Experian never updates my balance history and payment history correctly. The balance history and payment history has been incorrect for years. The amounts and dates listed under the paid section are incorrect and erroneous. There are payment amounts listed in which I have never made a payment in that amount. There are also months reflecting missed payments, which is incorrect. I have never missed any payments. 

I have attached copies of the repayment agreement by XXXX XXXX XXXX ' servicer, XXXX XXXX XXXX. I have also uploaded copies of my bank statements showing all payments to XXXX XXXX XXXX XXXX XXXX I have also uploaded a copy of my Experian credit credit report dated XXXX
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (VA)

Debt collector is attempting to collect a debt on behalf of a company which states I do not owe them anything. There is no debt, there has never been any debt, this debt does not exist. Debt collector has ignored my response to have them validate this debt and is still attempting to collect.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm formally notifying your company that if the situation isn't rectified within XXXX  days, I'll file a complaint with the FTC. Upon Contacting the associated banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never received documents from the CFPB. You must respond within XXXX  days as required by law. Non-compliance may result in fines of up to {$1000.00}. Please provide the requested documents within 10 days to avoid further action. 
XXXX, XXXX. XXXX
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My wallet was stolen in XX/XX/2015 on the subway in XXXX around XXXX. I realized I did not have possession of my wallet around XXXX that day, and I immediately went to the closest Bank of America banking center to report the fraud totaling {$370.00} and cancel my card. 
There were XXXX fraudulent transaction, all within 2 hours -- XXXX BoA chose to recognize as fraud, and the XXXX larger charges were denied. They stated that my PIN was entered at the time of purchase. Knowing this was false, as it was not me, i contacted the merchant and obtained copies of the receipts. Both receipts show the transaction was signed for -- XXXX different signatures minutes apart, neither being my own. 
After the initial claim was denied, I filed another with paperwork, including : receipts, ID replacement receipt, XXXX replacement receipt and a written explanation of events. A bank associate faxed these documents in. I received no notification/communication for over a month. 
I went back to the banking center, met with another associate who checked on the claim, as he found no record of it. After being there over an 2 hours, he assured I would be contacted within 48 hours with an update -- nothing. 
I called and visited the banking center several more times, with the employees never being able to find the claim information. 
I spent another 1.5 hours at the banking center today, where they placed me on hold with the call-center, while the associates stared at me smiling, and decided what to order for lunch. After XXXX transfers, the fraud specialist did find the paperwork that had I had previously filed, but stated that the notes stated it was not referenced during the 2nd investigation. Again, the claim was denied due to an " electronic authorization '', PIN entry at purchase, even though there was clear evidence the transactions were signed for fraudulently. 
She then advised she was unable to escalate the claim further, as too much time had past, and suggested I reach out to the merchant to reimburse me.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WA)

Submitted a short sale package to Shellpoint on XX/XX/XXXX. To date I have not been contacted at all despite being the Authorized third part and my multiple calls to the point of contact. This company does not communicate or keep track of documents, I have literally emailed and faxed documents XXXX of times and each time I call in customer service tells me they are still missing them. It 's like they are working files from XX/XX/XXXX and have not updated their systems and are not following regulation x.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, XXXX, and Experian. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

Hi on my Credit Report there is about XXXX Loans took Out, XXXX is were I used a XXXX Times XXXX # Cards, up to XXXX $ the Co Ripped me Off, there Recording was Scrambled during the process # The man Lied to me, and Kept Hanging Up on Me after the end he said I Deliver the Money to your House? and Get this they Called Me, its on my Credit Report, The Co Name I, m Faint its been a While this is first Time doing this Today. that 's 1 Co, Ripped me Off for XXXX $ The Co I, m very Sure Embezzled Money, and Used my Name for Fraud Racketeering, and To have XXXX XXXX XXXX XXXX Call me and Try to Rip Me Off, Whos Behind these Crimes there All XXXX,? Very Scared Some times Plus the Cases I, m Next Sending to the FTC.Gov about XXXX .. Next there is about XXXX More Loans token Out or More? from Cyber Crime Theft s, I had XXXX Call me saying I Owe Them $ $ Money for Loans then theyde Hang Up? That 's Very Fishy There. I still Keep Getting these Go to XXXX XXXX Send Check to us Bla Bla and They Rip You off from the First XXXX XXXX Scams I, mPosative. My Name is Wrong on some and Adress etc XXXX, How Do I Get My Credit Score Up Help? Can you BELEIVE I, m involved in over XXXX Bank Rip offs and Still Going Hmm