davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (OH)

Recently I reviewed my credit reports and notice there was some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have noticed a social security number that is not mine. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The Fair Debt Collection Act/ ( O.R.C. 2305.07 ) and ( O.R.C. 1303.16 ( B ) Ohio Debt Collection Statutes of Limitation. I am requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. If the account can not be verified, your company must delete the account from my credit report.ACIMA CREDIT XXXX XXXX  # XXXX, XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX is reporting two accounts as Paid in Settlement written off to Experian. 
This is incorrect and I have disputed this with all three bureaus and XXXX XXXX. Experian is incorrectly reporting these two accounts. 
The accounts were paid in full on XXXX/XXXX/XXXX 
The Experian report shows late payments for XX/XX/2022 and XX/XX/2022. The accounts were paid in full XX/XX/2022.
Consumer complaint received 2022-04-01
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. (MD)

XXXX XXXX, XXXX, XXXX Equifax are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXX XXXX on dates XXXX, and XXXX XXXXXXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 
Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.
Consumer complaint received 2021-07-08
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. (NC)

Hi i was taking at look at my credit report and i notice XXXX XXXX which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) -XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX  # XXXX -15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I got an email from American Express ( AMEX ) about a personized offer as below : " We disclosed an incorrect Annual Membership : When you accepted the online upgrade to the Hilton Honors Aspire Card, we disclosed incorrect terms for the Annual Membership fee. We sincerely apologize for any confusion this may have caused. We want you to come back : To make things right, we'd like to invite you back to Hilton Aspire - we'll honor the terms you accepted of {$0.00} Annual Membership fee for the first year and {$95.00} for the second year. What happened : The Annual Membership fee terms you accepted were incorrectly disclosed. What we did about it : We will honor the terms you accepted {$0.00} for the first year and {$95.00} for the second year. On or after XX/XX/XXXX, your Annual Membership fee may be increased to the current fee for the Hilton Honors Aspire Card at that time. If so, you will receive a notification before your Annual Membership Fee is increased. Next Steps : If you'd like to take advantage of this invitation, please call us by XX/XX/XXXX at XXXX - XXXX - XXXX and share this personalized offer ID, XXXX. '' The email title does not say I need to take actions on this offer. It is easy to mistakenly assume this would be done automatic. However it turned out that I need to call them. As a result, the card is still not upgraded, and they now refuse to honor the offer.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank Of America is reporting to XXXX XXXX that the following account was mine. 

Account # XXXX They said the account was closed due to transacting. 

I never had this account nor did I open it. 

I have called them and their Risk / Recovery gives me the run around. I have been tying to get this removed from XXXX XXXX for a yr! 

Please help me resolve this, Thanks XXXX
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have recently received my current credit reports from XXXX, Experian and XXXX and they all show different information regarding my closed XXXX account. The dates reported late are incorrect. XXXX shows 90 days late twice and 6 other times late 60 days late. While XXXX and Experian shows the same account 60 days late twice and 30 days late 6 other times. This is the same information I disputed a while back as being incorrect but now I have the proof. It has been reporting incorrect all this time, if they are pulling information from the same source how is this misinformation being reported differently on my credit report.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

Until recently I had two lines of credit with chase ( flex and unlimited freedom ). These accounts were 14 years and 3 years old respectively and had been paid as agreed monthly with no missed payments or late payments. Due to errors with a credit union and their bill pay service two payments were returned, this did not cause me to be late or delinquent, I immediately provided a replacement payment for one card. Had I known about the other payment issue I would have done everything to address in promptly. However, Chase had disabled and refuses to enable my online access due to their unexplained closure of my checking account ( and continue to not release the funds that I had deposited in it ). As such I was unable to see my secure message center for up to date information regarding my account. The day I called regarding my online access ( of which chase says they have no record of ) I explicitly asked the agent in credit card services if there were any issues with my credit accounts as I could not access any information on them, I was told they were in perfect outstanding condition. Airing on the side of caution i again, later in the conversation, asked if there was ANYTHING that put any of my cards in jeopardy. Again, I was assured everything was fine. At this time it has been explained to me that the agent would, have been aware of the payments returned for insufficient funds. I received letters from chase over 2 weeks later. When I called and attempted to explain that I had canceled the payments that bounced, they were not authorized by the bill pay service. I had received confirmation. They didnt care. I have not received {$200.00} cash from my checking account. I was threatened by chase agents that they planned to make sure process would be, as the agent said the hard way ( as I assume opposite of the fair way ). Chase has also lied in a response to the initial complaint regarding my {$200.00}, saying that I could only get my money by going to a branch, which goes against their policy and against their own agents statements regarding my funds. I still can not verify transactions that occurred after XXXX on my credit accounts. I still receive emails that seem to be for card holder with open accounts, high is just tacky and shows their level of attention to detail. I called chase executive line multiple times ( returning XXXX and XXXX calls ) and my calls were never returned not once. I want my money, I want it issued to me, I have no desire to have chase change the rules left and right. I want to know why a 15 year banking history was shattered so unprofessionally and during COVID when I greatly depended on those lines of credit. I would like my online access restored and my credit lines reinstated ( which is possible as I have spoken to family members who have had this done, it seems as though chase has profiled me for not having enough wealth ).
Consumer complaint received 2020-09-19
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: TRANSWORLD SYSTEMS INC (AZ)

On XX/XX/XXXX Transworld Systems Inc. closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX Transworld Systems Inc. placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from Transworld Systems was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, Transworld Systems constantly sent me a copy of bill from XXXX  XXXX XXXX  which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to Transworld Systems from XXXX, XXXX and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from Transworld Systems Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, Transworld Systems has again willfully violated the FRCA by not responding to my dispute. 

Transworld Systems Inc has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to Transworld Systems Inc. several times with all required documentation concerning this alleged debt. 

I have have asked Transworld Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) As of 09/18/2020 Transworld Systems Inc is still reporting all negative Information about this alleged debt to all three of my credit reports. XXXX, XXXX and XXXX.

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by Transworld Systems and the disputes that i have submitted.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to XXXX XXXX originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (OR)

My account was hacked and Ive been trying to call and chat with them but their phone numbers dont work and they keep passing me around from agent to agent and now I cant get ahold of anyone. I just want them to help me with my hacked bank account and they wont.
Consumer complaint received 2018-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (MN)

On XX/XX/2018 I connected with a person who called himself XXXX  ' who I spoke with on a XXXX Ticket Exchange page. I was looking to purchase tickets to a concert at the XXXX XXXX XXXX on XX/XX/2018. After asking XXXX if he still had tickets that he had messaged me about on XX/XX/2018, he agreed to sell me his tickets. After a long deliberation, XXXX promised that he would transfer the tickets to me over the XXXX site, which has worked for me in the past, for {$300.00} over XXXX. Later that night on XX/XX/2018, I transferred {$300.00} to XXXX as promised over XXXX. He urged me to make the transaction a 'Friends and Family ' transaction as these transactions take less time to transfer, he claimed. After I transferred the money to the account he specified, which he claimed was his girlfriend 's XXXX 's account, he said he was going to call XXXX to get the tickets transferred. Over the next 36 hours, XXXX delayed transferring the tickets for a number of reasons detailed in the attached message exchange. He eventually informed me that XXXX informed him they could not transfer the tickets over XXXX accounts as the specified venue did not support that feature, which I knew was not true as I have used the ticket transfer feature for this venue before. I looked at the E-Mail he sent me, which was from another person 's name and E-Mail address, XXXX XXXX. This e-mail had the " tickets '' attached, but the attachment on the E-Mail was a broken attachment and nothing opened. I started to get suspicious and asked that he refund me my money or transfer the tickets via the XXXX account feature. He agreed originally, but after another long deliberation he claimed he could not transfer my money back for a variety of reasons. I threatened to contact XXXX and US Bank to report the transaction as fraud, and he continued to delay refunding me. Eventually, he discontinued contact with me so I contacted XXXX and US Bank. XXXX informed me I could not receive a refund because the transaction was started as a 'Friends and Family ' transaction. I contacted US Bank and submitted a claim, and they too informed me they would not pay out the claim.
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. (FL)

There is information on my consumer report, that is considered identity theft. I am requesting that this information is blocked and deleted immediately. My request to block this information is not being made in error ; nor is my request to block being made invasive of a material misrepenstation of fact by me relevant to the request to block the identified transactions. 

The identified transactions are not information related to any transactions by me as the consumer.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received a letter from Citi on XX/XX/XXXX, asking for additional information to update Citi 's records. I called the contact number XXXX the next day. They asked me some personal information and I gave them all the information that day. Then on XX/XX/XXXX I received the same letter and because I had given the info earlier I did not respond to the second letter, I thought that they had the info from my phone conversation. Then on XX/XX/XXXX they blocked my checking account. I went into the local Citibank and spoke with XXXX XXXX who was an account manager. I then told her that my account was blocked and she called the office that handled the problem. She asked them why they blocked the account and she was told that I had to give them additional info so that they might undo the block. She asked me a lot of questions about my past job and who I worked for and when I retired and how much money I earned then, and other items for their records. She filled out the paper work and sent it to them on her computer, so they got it instantly. XXXX told me that it would be 4 to 5 day 's before they could unblock my account after they review my info. About a week later I called her and she then told me that they needed additional info about my wife and her jobs and pay. I gave them the info and they again told me that it would take four or five days to review the info. Then on XX/XX/XXXX I called again and they asked me for more info, I sent in the new info on e-mail. I then called on the XXXX and they told me they did not receive the e-mail. I then wrote another E-mail with the new Info on it and sent it in with the E-mail from the day before that they said they did not receive it. I called again a few day 's later and the girl said that the person reviewing the information was working on it and it should be another 72 hours. I don't know how this information could be so important as to put a hold on a persons checking account I have been a customer of Citibank the day after we got married XX/XX/XXXX. I have not done anything wrong and they are treating me like a criminal. My name is XXXX XXXX, I live at XXXX XXXXXXXX XXXX in XXXX XXXX, Fl. XXXX. Please help me I am XXXX years young and should not be treated this way. Reference # XXXX.
Consumer complaint received 2022-03-22
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: JPMORGAN CHASE & CO. (FL)

I have provided evidence regarding identity theft on my credit report to both a credit bureau ( XXXX ) and the lender ( JPM Chase ) however the lender claims that the identity theft dispute is a " civil '' matter and XXXX will not conduct an independent investigation, all they are doing is simply asking the lender to confirm the validity of the account balance, which the lender insists is valid. The identity theft that I am describing was perpetrated by my father, who would apply for credit cards using my identity for his own personal gain. He would make mandatory minimum payments on the cards without any intention of paying them off. After he died in XX/XX/XXXX, payments ceased, and it adversely affected my credit score. Evidence I have provided to support my claim of identity theft is as follows : 1. Police Report with the XXXX XXXX XXXX Sheriff 's Office naming my father as the perpetrator and discussing the case matter 2. Letter from XXXX XXXX stating that a bank account in my name which was used to make payments on the JPM Chase credit card was not created by me, instead was created by my father when I was a minor. 
3. JPM Chase statement showing a {$13000.00} payment processed at a business controlled by my father 4. Articles of Incorporation showing the business was controlled by my father.

I have contacted JPM Chase repeatedly regarding the matter. They have either ignored my evidence that I presented to them by email on XX/XX/XXXX and XX/XX/XXXX, or they have simply stated that the matter is a civil one between my father and I. I have asked them to produce a copy of the original credit application and they have not honored my request.