davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (FL)

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me XXXX XXXX XXXX XXXX of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Consumer complaint received 2022-05-01
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: CCS Financial Services, Inc. (NJ)

CCS Collections has my debt listed on XXXX report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to XXXX. When thjs account was paid, the company had promised to remove but they haven't.
Consumer complaint received 2022-01-14
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. (MI)

I hold a mortgage with XXXX loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and XXXX loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (GA)

I was taken advantage of in the past by American Express because I did not know who I was and the federal laws that protected me. I, XXXX XXXX d/b/a XXXX XXXX XXXX, am the ORIGINAL CREDITOR in this consumer credit transaction with American Express. I have proof that this is a consumer credit transaction because a finance charge is involved. I understand that pursuant to 15 USC 1605 that a finance charge is the sum of all charges. In reference to my last statement dated XX/XX/XXXX-XX/XX/XXXX, a representative from American Express told me that my finance charge was {$170.00}, however, requested minimum payment of {$300.00} due on XX/XX/XXXX which is well above the finance charge. As defined by 15 USC 1605 if the finance charge is the sum of all charges, why is American Express attempting to collect an alleged debt from me over the finance charge for credit that I extended to them? For this reason, I wrote to American Express, a debt validation letter and requested repayment back to me by check payable to XXXX XXXX XXXX pursuant to 15 USC 1692h. Instead of complying to my demands, American Express said that they were not a debt collector. However, I understand that the term debt collector is defined by 15 USC 1692a. ( 6 ) in which American Express uses USPS to send " statements '' with alleged debts that show in the positive. How can I make payments to a positive balance? Lastly, because it is a consumer credit transaction that involves a finance charge, American Express is in violation of reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies are liable as well for reporting inaccurate and invalid information without my consent or validation which is a direct violation of my consumer right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-05-01
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: Credence Resource Management, LLC (VA)

XXXX, XXXX, XXXX FRAUD Account # XXXX Credence Resourse Management I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have contacted all Three Major Credit Bureaus Experian, XXXX  and XXXX  to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.
Consumer complaint received 2021-07-06
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX still has my credit report im collections. This account has been paid in full and settled. I was told that this account would be removed from equifax report but it's still there. The amount of debt was {$270.00}
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (IL)

I became aware on XX/XX/XXXX, that over {$2500.00} of unauthorized charges was taken out of Way2Go debit Card by a minor ( XXXX XXXX XXXX ) from XXXX for several months. I immediately canceled the card and filed several disputes asking for a full refund and found out today, XX/XX/XXXX, that the card company denied my requests because of insufficient information, and refused to allowed me to file an appeal. I provided Way2Go with a copy of XXXX refund policy that shows I qualified for a refund, along with a letter explaining what happen, so what other proof do they need from me. I asked a representative and she couldn't tell me. I asked to speak to a supervisor and was told none was available. 
I am a young college student with limited income and work hard for my money to pay my tuition, rent, utilities, and other necessities. I requesting immediately assistance in this matter. Thank you.
Consumer complaint received 2021-08-19
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: WELLS FARGO & COMPANY (DC)

On XX/XX/2017, I received a deposit account adverse action notice. Which prohibits me from opening bank accounts. I file a report with different banks regarding my bank accounts being hacked. I've resolved those issues with those accounts. However, this notice is still on my consumer report.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted all Three Major Credit Bureaus XXXX, TransUnion and XXXX  to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonded Business Services, Ltd. (TX)

I'm so confused and I need help. This is approximatly my 10th attempt to get this unvalidated debt off of my credit report. Bonded Business of Colorado is illegally listing {$2000.00} as a collection. I've disputed with them more times than I can remember, and they can only provide lease agreement. That is NOT a valid form of validation for {$2000.00} debt. My signature stating that I lived in that same apartment complex TWICE in 3 years between a 12 month XXXX XXXX does NOT constitute a validation of these erroneous charges. I've attempted to speak professionaly with them and they hung up in my face three times, and my wife twice within a matter of one minute. They will not communicate with me, they will not validate my debt according to the fair credit reporting act, and the debt isn't listed with the company. The debt is " supposedly '' passed over to XXXX XXXX. I then called " XXXX ''. They stated that they have no idea what debt I'm referring to and then recommended me to call Bonded Business, who told me to call XXXX   who told us to call bonded. They gave us the run around! We called Bonded Business, and they hung up after saying " pay me ''. This company is the single most unprofessional business I have ever seen. The rep sounded as if she was inebriated and basically ignored my questions while reading script. The bottom line is Bonded Business bought a bad debt from XXXX XXXX XXXX XXXX XXXX for {$1400.00}, XXXX XXXX   hasn't even validated nor responded to my initial dispute from XX/XX/XXXX2017. As you can see, they won't respond to the XXXX XXXX XXXX of Colorado either. I need this corrected as Bonded admittedly stated that the initial debt letter was sent to XXXX Wyoming. I have never been associated with Wyoming in any way. The company has obviously made a mistake in identity and now refuse to remove from my report. They are not legally licensed or permitted to collect in Texas.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MN)

Wayfair advertising a store credit card that offered a choice between 5 % back or up to 24 months interest free financing on purchase. 

When I went to purchase my products ( I was logged into my account with my Wayfair store credit card attached to it ) in the steps during checkout, Wayfair advertised that I was eligible for a 24 month no interest financing at the amount of my purchase ( approximately {$13000.00} ). I checked for fine print ( of which there had been none in the entire checkout experience ) to see any other details but found none. So, I checked out using my Wayfair store credit card. 

To my surprise, it was rejected. When I called to ask why, it was because the amount of my total purchase ( even thought it was to be financed ) exceeded my credit limit ( approximately {$3500.00} ). Despite no monthly payment exceeding my credit limit, I was inelgible according to the customer service representative. I escalated my complaint, submitted screen recordings of the process and challenged what I see as false advertising of a promotion. Wayfair, during checkout, clearly stated that I was eligble for this promotion at the amount of my purchase. Note this wasn't a print ad or an estimate in an email. These terms were within the checkout process, one that had my card information ( and thus my credit limit ) included along with all of my contact information. Within my email to Wayfair, I asked for an update on a how this will be fixed asap for other shoppers like me, and never heard back. 

One last point, all of this took place on " way day '' - wayfairs biggest sale of the year with deals and discounts that aren't available the rest of the year. 

I have not recieved any contact from the company. 

Please note, I have a longer screen recording, but can't share the file due to its size. Happy to follow up with that over email, etc.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/2020 I nade a puchase at XXXX using my Chase bank debit card connected to my checking and savings accounts while paying for purchase i noted a long line of customers overlooking my shoulders as I was entering ny pin to pay for my purchase. After I completed paying I ibtain my purchase but forgot an left my Chase debit card ending in XXXX and drivers license on the counter and didn't discover that I had lost both until on or about XX/XX/2020. 
I immediately went online and checked my account and noticed that two unauthorized transactions were made at XXXX, located at XXXX XXXX XXXX Ca for purchase of a XXXX gift card and a purchase for a XXXX gift card using my card ending in XXXX. 
I immediately called and made a claim for this unauthorized transaction that chase provided me with a temporary refund until XX/XX/2020 when chase reverse the credit based on the fact that a purchase was made with my carebding in XXXX at XXXX 's for XXXX in the same city on XX/XX/2020 after the date of my reported card lost. I reviewed my account and noted that the transaction could not have been made by me an then filed a claim for reimbursement of the XXXX paid. Chase accepted my claim and credit my acount after their investigation. Despite having shown that the grounds that chase had used the the said purchase was not authorized abd therefore countered their rationale for denying my claims for XXXX and XXXX that was based on my card being used after the date of my reported lost. Chase again denied my claim on XXXX XX/XX/2020. Based on the fact that a cash trans action for XXXX on XX/XX/2020. 
I again reviewed ny account
Consumer complaint received 2023-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (NC)

Collection agent  was abusive, unwilling to listen, and had not reviewed my email sent 17 days earlier. Agent claimed that RMP systems did not allow her access to the content. 

XXXX, XXXX, XXXX  is the medical practice in question. This practice switched billing systems to XXXX in XX/XX/XXXX and failed to record my payments. I only learned of this situation after receiving collection notices and calls from RMP. I proved the balance was paid to XXXX by sending XXXX my medical spend account statement showing the payments to their business. I discussed with this person- XXXX XXXX refused to involve a billing XXXX or provide a name, but did finally send me a statement weeks later showing my balance as {$0.00}. I also requested that XXXX pull back the collection agent, but RMP refuses to stop collections. 

I sent the {$0.00} balance statement to RMP on XX/XX/XXXX at the email address provided by their agent - XXXX RMP called today XX/XX/XXXX and I learned that my email has not been reviewed or acknowledged. Verbally abused  by the collection agent for asking if they had received and reviewed my email and was told that RMP internal systems are dis-functional and she could not review. RMP has no interest in the actual state of my account and only want to collect on the account they have paid to acquire regardless of the current state balance. 

Trying to collect on XXXX balance account that is the result of a practice billing error due to IT system switch over.
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: TICE ASSOCIATES INC (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2021-06-23
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. (CA)

I recently sent multiple letters to Transunion and XXXX regarding the inaccuracy on my report showing a missed payment on XX/XX/2021 with XXXX. The payment was made is showing on my XXXX consumer report as paid but furnished on XXXX and Transunion as late. This a violation of the FCRA and is affecting my financial reputation.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I received your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Incorrect balance of Capital One credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.
Consumer complaint received 2020-06-03
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} EQUIFAXXXXX {$160.00} XXXX {$910.00}
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

XX/XX/18 I contacted a agent named XXXX from XXXX XXXX XXXX to request a Validation of debt he at first tried to get around addressing my concern. Finally I advised I'm calling to validate the debt rep placed me on a hold for a minute or so to complete the request and then terminated the call
Consumer complaint received 2021-09-14
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: AMERICAN EXPRESS COMPANY (IL)

I have received multiple unsolicited offers in the mail from American Express. I have called in excess of 10 times to get this issue resolved and to have my contact information removed from their system. Each time I have been told that it was taken care of, but I continue to receive between 5-10 mailer offers EVERY month.

I am registered as Do Not Contact/ 5 year opt out on ALL offers, but they still send me mailers. I am routinely hung up on by representatives from American Express and am fed up with being harrassed by this creditor.