davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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: JPMORGAN CHASE & CO. (IN)

I went to Chase about credit and I was told I would get a soft inquiry on my credit report. Come to find out, there was a hard pull done and now it makes my credit look even worse than it already is. I am in a process of rebuilding it, and things like this don't help at all. Why would they tell me it wouldn't show up just for it to immediately do so.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

I am disputing American Express ' presentation of three auto-payments that were not authorized by me, and were not applied to my American Express account ( in the total amount of {XXXX} ). I did not notice the fraudulent withdrawals until early XXXX as my husband was in and out of the hospital for many weeks. I contacted American Express help desk and was told that American Express could n't help because the bank was the one that authorized the payments. I then contacted XXXX XXXX, and they did review the transactions, but they explained that payments are made to American Express based upon the information American Express provides. 
Attached is a print-out of my account showing all withdrawals made by American Express. 
In addition to withdrawing unapproved funds, the withdrawals were not credited to my American Express account. 
Attached are copies of my American Express account covering the fraudulent withdrawals which show that the withdrawn funds were not credited to my account.
Consumer complaint received 2022-04-27
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. (MD)

accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 an account without my written instructions.
Consumer complaint received 2021-11-11
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: Experian Information Solutions Inc. (IL)

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, XXXX, or Experian any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2017-12-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Main Street Personal Finance (AL)

The XXXX XXXX XXXX called my job multiple times speaking to multiple employees including the owner of the company stating they were going to serve me with legal documents for a garnishment. I called back asked them to never call my job again but the lady named XXXX XXXX said she did not have to. That they were coming for me. I told her any documents they need to serve me with can be served to my home she told me to she was not serving to my home. She was only going to serve to my job. She stated she did not have to stop calling me and I advised her per the FDCPA she did and she said no she just wanted to make sure I was at work and hung up on me. On a voice mail she left for me she stated that I could be arrested at my job. She stated she spoke to my supervisor which is untrue because I report directly to the owner of the company and he is out of town. This is very unprofessional and embarrassing to say the least. She would n't even tell me what the paperwork is related to. I would have resolved on the spot but she hung up. I have a feeling it is related to an XXXX XXXX payday loan.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax keeps changing the " Date Reported '' on all of my old ( paid-in full ) closed accounts. Equifax has been doing this for years. I filed a complaint with them in 2017 and they didn't fix the problem then and they are still doing it. I just viewed my current credit report and they changed the " Date Reported '' again on all of my old ( paid-in full ) closed accounts. They changed the " Date Reported '' to XX/XX/2017 even though these accounts have been paid-in full and closed for 16 years. These accounts were closed 14-16 years ago then there should not be any activity / reporting for any of these old ( paid-in full ) closed accounts. These accounts should not be listed on my credit report since they are over 10 years old since they were closed. Equifax keeps changing the " Date Reported '' because it keeps these accounts listed on my credit report. They are being deceptive by changing the " Date Reported '' on old closed accounts in order to keep them listed on my credit report. Equifax has refused to fix this issue for the past 4 years and they continue to change dates.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: PLS GROUP, INC (CA)

My wife purchased two money orders from the PLS XXXX XXXX, California location on XX/XX/2021 at XXXX. Both money orders were purchased with cash, in the amount of {$1000.00} each. These particular money orders were different than the ones we were use to receiving from this specific PLS location. It appears PLS has eliminated their association with XXXX XXXX in terms of processing money orders and instead have taken to processing the money orders directly as a business. 

One of the {$1000.00} money orders was mailed to our landlords in XXXX XXXX for our XXXX rent ( XXXX ). The other money order, we currently still have in our possession ( see attachment ). Our landlords have made mentioned that they have not received our XXXX rent payment ( which was the money order that was purchased from PLS in XXXX XXXX XXXX. 

I called PLS of XXXX XXXX and was informed in order to receive a refund/reimbursement, we needed the receipt and stub of the money order. I did give the PLS agent the money order number, which she did a trace on and it has shown as NOT cashed of yet. We have the receipt of purchase, showing the money order numbers, but we can not find the money order stub for the one that has been lost/stolen in the mail. 

On XX/XX/XXXX, I submitted an online notification through PLS ' web site at XXXX, with the above stated information, but that web submission seems to have fallen on deaf ears with PLS. 

When the money orders were purchased, my wife was not informed that she needed to keep anything in particular in order to receive a refund, in case of a lost or stolen money order. My wife however, has kept the receipt as proof of the transaction. It has been frustrating, embarrassing, and difficult that our XXXX rent has not been paid to our landlords. But, it has been even more frustrating that PLS is not being accommodating for our lost money order DESPITE the fact that the money order has NOT been cashed. On XX/XX/XXXX, XXXX XXXX operator ID # XXXX XXXX reached out from PLS and informed me that PLS would NOT refund the money, despite the receipt I had, BUT, I could put a stop on the money order from being cashed. 

So now, PLS is holding our money, despite me verifying that I have a receipt for it!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-26
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. (PA)

By accordance with the fair credit reporting XXXX accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am supposed to have fraud protection with my credit card with Bank of America. I noticed 3 charges on my credit card on XX/XX/XXXX. One said it was for {$10.00} from XXXX on XX/XX/XXXX, which I did not make and two were for {$75.00} each from XXXX on XX/XX/XXXX in XXXX, TX ( a town over 6 hours from where I live which I have never heard of ). My credit card has been in my possession the whole time. I immediately filed a fraud claim and requested a new card ( which I have never received ). I have since requested another card, which I have also not received. A few days later, I noticed on my statement the charges were credited to my account, but also the  {$10.00} description was changed from XXXX to XXXX XXXX and I realized I did do that charged so I called and asked for that charged to be removed from the fraud claim, which was done. Therefore, the fraud claim is only for {$150.00}. I just checked the mail this morning, XX/XX/XXXX, and received a letter stating that my fraud claim was denied because my chip from my card was used for these charges. I called Bank of America to tell them that is impossible as I have proof that I was in XXXX, TX over 6 hours away at a Dr. appointment that day, and my iphone 's Location Services shows that I was at home the rest of the day. And I had my card in my possession the whole time. A simple google search can tell you how easy it is for people to clone credit cards. The entire purpose of fraud protection is to protect you from having to pay charges when people do things like that.They  said they did not care, and that was not enough proof. I told them to cancel my account since they have not sent me my new credit card anyway, but I still have to pay the {$150.00} balance, which is unacceptable. This also hurts my credit having to close this account as I have had it for 15+ years, which looks good, but since they would never send me a new credit card to use, I need to find a new service anyway. I think they don't like that I pay off my card every month and they don't make any money off of me.
Consumer complaint received 2020-09-04
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. (PA)

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Equifax 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and  incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR XXXX  1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these  discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX XXXX/XXXX Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my Equifax XXXX and XXXX  reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR XXXX  1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my Equifax XXXX  and XXXX reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT
Consumer complaint received 2024-05-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lenmo Inc (UT)

I asked if it is possible to set up a payment plan. Instead of answering my question, they sent this message, " Your account is in serious trouble! 
Your Lenme Loan continues to be delinquent. Pursuant to the lender 's rights under its Agreement ( s ) with you. 

We will be handing your papers to the company lawyer and filing this loan to the credit bureau which will result in a negative impact on your credit report. 

With a perfected security interest, Lenme is now permitted to foreclose on and seize all your assets, unless you resolve the outstanding obligation. 
Our preference, of course, would be to work with you to bring the account back to good standing. To prevent any escalated activity, please pay the outstanding balance by clicking the button below. 
We look forward to working with you and getting your account back into good standing. "
Consumer complaint received 2022-04-26
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. (VA)

in accordance with the Fair credit reporting act EXPERIAN has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE SEE DOCUMETS I OBTAIN FROM THE COURTS STATING THAT THEY DID NOT FURNISH ANY BANKRUPTCY ON MY REPORT. 

EXPERIAN HAS YET TO RESPOND CERTIFEID MAIL # XXXX SENT XX/XX/2022 AND DELIVERED XX/XX/2022
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management has agreed to settle {$2100.00} for account ending in XXXX " WHEREAS, Defendant incurred certain debt related to a XXXX XXXX / XXXX account identified by account number XXXX ( the Debt ) and MIDLAND CREDIT MANAGEMENT XXXX INC.s account number XXXX and the Internal Legal Account Number XXXX ( the Plaintiff Account ), '' Midland has agreed to take all negative reporting information off my personal credit report on XX/XX/2021. So far, it still remains - so I ask that Midland take all negative marks off my credit report as soon as possible.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 
XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I applied for a Discover Card and got approved on XX/XX/XXXX. I got approved for {$1500.00}. So I received my card I was using it everything was fine until up until XXXX XXXX, XXXX when they decided to close my account due an ID Verification issue they said it was because of a duplicate social security. On XX/XX/XXXX. XXXX they sent me an email asking for that I sign over the IRS Consent Form 4506-C to them in which I did. I went on the website sent it over to them. 

Then a couple days later on XX/XX/XXXX Discover Corporate Security sends me a letter saying the closed my account. 
I called Discover to get reopened they said they cant and then gave me an excuse of a duplicate social security. They said I had to write to Discover Protection Services based out in XXXX XXXX. 
Name Social letter describing what issues Im having its like dont you know what going on of course they do. They just dont care about ruining peoples credit who are the bottom.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is restarting the reporting clock on an account in my name unlawfully. American Express canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against American Express and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that American Express  has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

Purchase floors for my house in my home with my home depot  credit card that was in good standards for over 5 years and then all the Sutton they said I applied for a promotional rate Which have my credit bill go up to {$3000.00} finance in one day and put me behind my payment after having a car for over 5 years of no late payments paying as agreed. This caused my very good standing credit score to drop over XXXX points within one month because of the actions of this credit card. They took me to court and lost the battle. I only have to pay the original amount that was on the card for the floors Which is paid off now and I want them to be removed 100 % of my credit score they have been dragging me down for 4 years now. Im still having problems trying to get them to remove or update the credit as paid in full and remove the late fees. The balance that was due from the court order has been settled and now it is paid in full. The amount for settlement was around {$5000.00} & is paid in full within a year. Thank you