davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MA)

I have the Sears credit card which I closed and without my request they opened an accounts on shop your way, after I closed the account on this card. I talked to city bank they told me that the account was closed but I am still receiving statements every month. When I looked for the manager they stated they don't know and can't fix anything. They are opening cards without my consent or without me asking them to. 
These are the last digits of the cards they opened without my request. 
XXXX, XXXX, XXXX, XXXX, I have one card XXXX and I closed this card with the account.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX  allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

Despite the fact we are inside an epidemic of covid19 and we are struggling with bills, I actually came into some money. I decided to use that money to pay down my credit card debt. Between XX/XX/XXXX and XX/XX/XXXX of this year I paid chase {$5500.00} towards my credit card debt. I paid in several payments because I was waiting for the check I had been given to clear. 

Today, XX/XX/2020 I tried to use my card to buy a {$5.00} meal and it was declined. I called Chase and at first they told me it was fraud. Then they told me they had decreased my credit limit for failure to pay. I told them I had paid. I logged on to my online account and noted that I had paid on XX/XX/XXXX, the XXXX being my due date. I noted they applied incorrectly a late fee when I paid on the due date. 

They then told me they had decreased my credit limit and had no available credit. I asked them how when I had made all payments on time, had always paid more than the minimum and had just in fact paid MUCH MORE they thought they could do that. I also asked them how much they decreased it by. They said {$5500.00}! They decreased my credit limit by what I had just paid to pay it off ... 

I then said that I had available credit before I made those payments so how could I be " over the limit ''. THEY HUNG UP ON ME .... 

Clearly, they think that they can damage my credit score and keep me a " credit care XXXX  '' by reducing my credit limit by the amount I just paid off. I believe this is fraud.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Savgs act opened in XXXX was abruptly closed in XX/XX/XXXX without notification. Bank sent us check for XXXX balance. Check lists our children as trustees. We did not remember listing them as trustees and 37 years later do not want them as trustees. We can't cash or deposit this check. Even bank of America won't cash or deposit. We have been putting money in this account for 37 years and now account abruptly closed without notification and no way to cash check bank sent us.. XXXX XXXX client advocate in  bank of America office of the president on case # XXXX told us to XXXX XXXX the check to their XXXX XXXX by mail location. Cost me XXXX. But check returned to us " unable to deposit ''. Now XXXX no longer returns our phone calls.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (FL)

I have worked incredibly hard on building my credit over the last year and a half. I have seen several increases and improvements on my other two credit reporting agencies but not with Experian. I have called and asked them why my score doesnt seem to change at all and hasnt improved to which they responded I needed to upgrade my account. I want/need and deserve an answer to my question. My scores are as follows : XXXX, XXXX and XXXX. That score quite obviously does not line up with my other two and hasnt even remotely moved since XXXX. I applied to rent a condominium in XXXX of this year and was told I had to have a minimum of a 620 credit score. Experian was the score they pulled ( I was approved for rental of the property ) and when I questioned my real estate agent how that happened, she gave me a completely different score in the mid six hundreds and told me it was more than sufficient. I just need help with figuring out why my score doesnt reflect as Ive been told and why I seem to get absolutely nowhere with Experian as a company. I have XXXX XXXX and have within the last few months purchased Fico8 to keep track ( in order to buy a house within the next few years ) of my scores accurately.. all the while Experian tells me I need to upgrade with them. I shouldnt have to upgrade anything or pay for multiple credit reporting applications in order for them to be even semi accurate. HELP!!
Consumer complaint received 2021-05-23
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. (NY)

I was recently checking my credit report and I saw several things I did not initiate. I was informed sometime ago that I was included in a data breach for XXXX, but thought is was a scam and didn't pay much attention to it. I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me. The inquiries are from XXXX for XXXX ; Experian for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX for XXXX XXXX. I have filed a report with the FTC, report number # XXXX.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

Collection Professionals Inc. has been attempting to collect a debt on behalf of the XXXX XXXX Fire Protection District and the Lawfirm XXXX, XXXX XXXX XXXX. The debt in question totals in the amount of {$4100.00}. I have never done any type of business with either of these companies nor have I ever been notified from either of these companies that I was indebted to them. I did not even find out about the debts in question until I was contacted by Collection Professionals, Inc. I have received multiple letters and phone calls about this debt for several months prior to beginning the documentation of the correspondences. In previous attempts, I tried to explain to the agents that I was not the correct individual. I was informed that I would have to supply them with a partial Social Security number and/or my birth date to confirm my claim that I was not the correct individual. For obvious reasons, I was not willing to submit the information requested. I was informed that they would not be able to remove the claim against me unless I provided the requested information. 

On Tuesday, XX/XX/XXXX I received another correspondence from Collection Professionals, Inc. I attempted to contact them by phone at XXXX XXXX CT on Thursday, XX/XX/XXXX. I was directed to an individual named XXXX. I informed XXXX that I was recording the call and I was immediately disconnected. I called back right away and was directed to XXXX again. XXXX informed me that I do not have permission to record the conversation as Illinois law requires that he give consent. I told him that the call was being recorded and that if he is not willing to discuss the matter while being recorded, then I will consider the matter closed. He did say that he was willing to discuss the matter but reiterated that I did not have his permission to record the conversation. At that point, I informed him that I do consider the matter closed and I expect their company to stop all correspondences and attempts to collect this debt from myself, XXXX XXXX who resides at XXXX XXXX XXXX, XXXX Illinois. I then ended the call. 

I did not hear anything again about this debt for nearly a year and assumed that the matter had finally been resolved. On XX/XX/XXXX, I did receive a new letter from Collection Professionals, Inc. This letter is threatening legal action if I do not pay the balance in full. As of XX/XX/XXXX, I have not received any further information regarding the potential lawsuit. 

I did check with the credit bureaus verifying that I was not a victim of identity theft. There is no record in my credit report that I have ever incurred the debt mentioned.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff Experian no one asked you to remove stick to the request nothing more!!!
Consumer complaint received 2021-07-20
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. (TX)

XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

Account Name : I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AR)

In XX/XX/2017 I obtained a secured credit card with Discover. I put a {$500.00} deposit in place at that time. I had not used credit at all for over 15 years so essentially had no credit, as opposed to bad credit. I got the card to facilitate transactions like car rentals, etc. that require credit cards.

I was told that after " a few '' months I could get my deposit back. that has not occurred despite making timely payments for about 18 months and never carrying a balance. My credit scores on XX/XX/XXXX and XX/XX/XXXX are between XXXX and XXXX with no late pays and no collections. I have since been offered unsecured credit up to {$15000.00} while I can't even get my {$500.00} deposit back from Discover.

Also, my payments are frequently held for several ( usually 10 ) days in spite of the fact that they have always cleared the bank and have always been early or at the latest on the due date. I keep being told this is for " security purposes '', but this is nonsense and just another way for them to make money on payments they already have in the bank. This is both unethical and illegal and it needs to stop. Discover employees have - including this past week when they put a payment on hold - have admitted it is a random process that has not real purpose.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (SC)

15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I received a bill in the mail from a Commonwealth Finical Systems indicating I ow money for services that occurred in 2013 with a XXXX XXXX Emergency provider. This is not my debt! There was never any services provided by this provider in 2013. After researching I noticed there is another XXXX XXXX XXXX with the same exact birthday that lives XXXX and notice there is no ( R ) at the end. This company started to report this on my credit file and I am in the middle of trying to purchase a home. This is a huge mistake that is costing me and my family our HOME!
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (PA)

There was a XXXX  loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

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 Experian 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 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 2023-01-30
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. (NC)

Contacted Experian by USPS dated XX/XX/2023, disputing several inaccuracies of this creditor on my consumer file, which you will see attached, as well as XX/XX/2023, I sent a letter to both creditor along with the credit bureaus stating that if I paid debt in full that they will remove information of debt within credit bureaus since and they agreed to do so. This was paid in full XX/XX/2023 and Experian is still reporting full balance and past due balance and their payment history is not accurate as well and should be removed from the consumer file immediately. According to Experian on dispute that was made that they are not making any changes to the debt on my consumer file. Which is violation of my rights according to FCRA. Attached you will see all documentation that was mailed to Experian. Also there was no results sent to me proving their explanation of their investigation. I have also included results from XXXX removal of XXXX XXXX from their file due to the inaccuracies reported.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

There was a XXXX  loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

This company has sent me an email trying to collect on a debt. They have actual sent the email to the wrong person. Any and all debts are supposed to be in writing not via email. This company is not follow the consumer protection laws. They sent me some letter offer 100 % settlement. I have responded to the email stating debt is not mines and they should not be send this information via email. I also have asked them to stop communications with me.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (IL)

I had an auto loan with XXXX XXXX , XXXX account # XXXX and the Loan was paid in XXXX of 2018 the account is still showing open on my credit report. I called Westlake Portfolio Management on several occasions regarding this incorrect information and I was told the Westlake took over the account in XX/XX/2018, my question to Westlake is why is the account still showing open on my credit report when it was closed in XXXX of 2018, and I was informed by the supervisor XXXX XXXX XX/XX/18 that if I want this corrected I will have to file disputes with the credit bureaus. Why should I have to go through filing disputes when they should have closed the account in XXXX. Just as easily as they reported the open account to the credit bureaus I feel it is their responsibility to accurately report it closed.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

An account for XXXX was opened in my name, using my bank account and personal identification information. I first was made aware by the bank, then later discovered several accounts that were opened with my name. One of the accounts was XXXX which was reported on XXXX Equifax and possibly XXXX. I then made a new police report to include all information I had about the account and submitted that along with the identity theft affidavit provided by uplift. I have been calling and leaving voicemails and emailing to be able to speak with a human with no response from XXXX. However, the company continues to respond to the credit bureaus by updating the fraudulent account to show a XXXX balance which was paid once the bank finished their fraud investigation and refunded me for fraudulent activity. 

XXXX will not work with me to resolve this complaint. The company continues to report false information even after I did everything they asked me to do to resolve it. The company is negligent and it appears that further legal action is required to resolve this matter.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even Experian 's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that Experian allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?