davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Experian continues to report inaccurate information on my XXXX XXXX account XXXX. 1. This is a charged of account from XX/XX/2008 it should no longer be being reported. 2. I requested you verify the information, and Experian has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4. Experian is the only cra that is reporting this invalid account. Account has been removed from XXXX and XXXX. Experian needs to remove account from my report immediately or I will seek legal action. You can not continue to report an account that is past the statute of limitations to be reporting.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/XXXX I was charged {$39.00} for a " delinquency charge on {$490.00} '' and another {$39.00} for a " late fee for 45-day past due balance ''. Both of these fees were assessed on XXXX and both were for the same balance due. So really, they 're charging me a {$78.00} late fee. The amount of these charges were disclosed on the prior statement received and I was n't able to find any mention of a " delinquency charge '' in their online help system. When I spoke with their online chat agent I was told that I was 60 days past due and 45 days past due, even though the balance was from a single charge and their statements are released once a month.
Consumer complaint received 2023-03-22
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. (PA)

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. 

Account name : XXXX, Account number : XXXX. Account name : XXXX XXXX, Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2015-06-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (CA)

Since XXXX, I have spoken with the collection agency, which admitted that they do not have any information ( social security number ) or otherwise that confirms this debt is mine. I have asked them to remove this debt from my credit report, but they have yet to do so. I am trying to purchase a home that is scheduled to close XX/XX/XXXX, being told that I must address this debt.
Consumer complaint received 2023-03-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AZ)

In accordance with the Fair Credit Reporting act NCB Management Service Account # XXXX, has violated my rights. NCB Management Service Account # XXXX is not my account. 
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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose No wet signature contract with the aforementioned organization NCB Management. NCB Management is a third party with no legal claim to debt charged off by XXXX. 
Original account XXXX with XXXX is Closed and Charged off which means the IRS has paid a tax benefit to XXXX making the debt null and void.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MD)

Since I 've been an American Express customer for many, many years - and am now preparing to close all my accounts - I decided to report my reason in the hopes that AE will clean up its act and not treat other accounts as mine have been treated. The problem began when I changed my business structure - was told I need to apply for a new card - which I did. I did n't realize that the card attached to the structure that no longer existed - was not canceled. It did not occur to me that a business entity that no longer existed would still have a Amex card - even though Amex knew of the business structure strange. In any event - when I realized my error I closed the " old account. '' In the meantime - I saw an international charge that I did not recognize. I disputed it - The company that made the charge, I later found out, was another foreign company that I always thought was USA based. The company - when they received notice of the disputed charge closed my account. When I was finally able to put the puzzle together - I opened up a new account with said foreign company and was billed for that new charge - which I did not dispute. In the meantime - the account that was closed and the charge that should have been reversed was not - American Express did nothing to investigate the charge - and even though I 'd been told the charge would be investigated and I would receive something in the mail - I never need. I assumed AE was still investigating. Apparently not. The disputed charge ( XXXX ) was left on my account - AND was reported as being a LATE bill! Then I received a bill saying I had a credit balance - I called, even sent screen shots of it as directed by AE personnel - who said I needed to send the screen shot because all they could see was the XXXX that SHOULD have been removed from my account. In desperation, I engaged in a chat - first the account could not be found - then the credit could not be found - and finally I just decided I was spending more money in terms of my time than the claimed balance. I paid the disputed bill. THEN I received notice that the account could not be found. I DO NOT UNDERSTAND WHAT IS GOING ON WITH AMERICAN EXPRESS - BUT AM ACTIVELY RESEARCHING ALTERNATIVES TO THIS MIND-BENDING UNPROFESSIONALISM WITH WHICH I HAVE BEEN SUBJECTED. 

So in sum : 1- I disputed a foreign charge. 
2- American Express did NOT research the dispute. 
3- I should NOT have been charged - as the company in question closed what I later determined WAS my ACCOUNT 4- American Express did not alert me re : the status of my dispute. Instead, indicated that my account was past due. 
5-Sent a credit balance 'statement ' - which AE personnel claimed they could not find- ( which was for an amount LESS than the original disputed charge ) 6-Continued to insist that the disputed charge was late and due 7-In absolute frustration and an unwillingness to waste any more of my time - I then PAID the ERRONEOUS charge - 8-AE is NOW saying they ca n't find the account for which the overpayment was made.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP (AZ)

I was solicited by a banker at USBank : XXXX XXXX. He told me that he could refi an existing loan at less than 4 %. I stated that I would only be interested if this was a FIXED RATE LOAN. He said YES. After 4-5 weeks of supplying the necessary paperwork : personal and business tax returns, pers. financial statement, everything necessary to complete a loan .... I was told that I qualified for an ADJUSTABLE RATE LOAN. I reminded the banker that we had originally discussed a FIXED rate loan. 

My complaint : BAIT AND SWITCH 1. the loan was presented as an AR loan with a low 4 % interest rate as a teaser. The banker knew that I was only interested in the Fixed rate loan. 

2. There was improper documentation on the exact interest rate and the type of loan at the beginning. Had this been done ... there would not have been any misunderstandings. 

3. I tried to work it out with the bank, but they seemed intent on giving me the Adjustable Rate loan as opposed to the loan that was originally discussed. 

4. I paid my accountant to produce the various forms. In lieu of the misleading behavior of the banker : XXXX XXXX ... I have asked that the bank refund my acct fees ( {$150.00} ). They have not done this or suggested that they have done anything wrong. 

To summarize : Bank calls me ( I did not call them ) to offer 4 % rate on refinancing an existing loan. I was clear that I was only interested in a FIXED RATE LOAN. Banker says : fine. Banker does not put anything about the loan details in writing. 5 weeks later after all of the paperwork ... I 'm assuming that I will be presented with a Fixed rate loan. This did not happen. 

Bait and Switch. 


Thank you for your help.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

After 2.5 months of complaints, Experian finally sent me my report today, XXXX. 
The report contains wrong information, which caused my credit applications to be denied. 
More specifically, Experian lists a credit inquiry, under results of action I took, shared with others, which doesnt belong to me : XXXX Id # : XXXX Date : XXXX XXXX, 2015 I never applied for any credit with this party, never heard of them before, do n't have any collections on my name, past or present, and I was actually living XXXX in 2015, and for 10 years before that. 
Due to Experian 's incompetence, I was denied credit as documented in my first complaint, and was unable to obtain auto insurance to get to work for 3 months.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (TX)

SageStream , LLC Consumer Office XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Reported a credit score to a XXXX dealership were I was applying for a car loan which was XXXX points lower than XXXX, XXXX, and XXXX. I have tried to contact SageStream but unfortunately no one answers or no one is able to provide a detailed description of what they are basing my credit score on.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Niagara Credit Solutions, Inc (MD)

Got a collection from XXXX XXXX XXXX in the sum of {$2300.00} for a credit card issued by XXXX Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of " posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that " they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if BOA actions are illegal, but they are definitely unethical.
Consumer complaint received 2024-02-24
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. (CA)

On or about XXXX / XX/XX/XXXX my identification was stolen and a credit card from XXXX XXXX XXXX was opened in my name. The thieves changed my address through a third party with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX MA. XXXX from my home address in CA. After the unofficial change in address the crooks received credit card offers and opened a new account in my name and ran the card up to {$5700.00} including interest. They also changed addresses of multiple accounts as well as at all three credit bureaus. 

The issue was exacerbated by having a XXXX and XXXX XXXX in XX/XX/XXXX hindering my timely dealing with the breach of credit, ( I was in the XXXX XXXX XXXX XXXX  ). A report was filed with the FTC for this situation in XX/XX/XXXX and I was unable to get copy of report due to medical issues caused by the XXXX and XXXX XXXX causing me to be unable to understand directions. I also filed a report with XXXX Police, XXXX XXXXXXXX XXXX and US Post Office to change my address back to my actual address in California where I have lived for over 20 years. 

I was unable to handle the issue with my credit report because the thieves changed my information making it difficult to see my credit report and dispute the charges. The credit card bills were sent to the XXXX XXXX. Address they changed at the post office without my approval. The thieves even got my prescription medication, handicapped placard, and all other credit card offers and daily mail including personal information. I have been trying to figure out the damage for over a year with little success due to credit bureaus lack of customer service and appearance of not caring. I never received anything from XXXX XXXXXXXX concerning this card until XX/XX/XXXX when I received a letter stating to call them, which I did. I was informed that they had sold the account to XXXX XXXX XXXX. When XXXX XXXX XXXX was called they sated they did an investigation and they determined the charges were my debt. It is my opinion that multiple fail safes were compromised. The US Post Office did not require an IN-PERSON transaction with an ID card to change address, and XXXX XXXX did not contact me to open an account.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Every XXXX, I order a free copy of my credit reports from the three credit bureaus, via a mailed XXXX form. I provide all the necessary information ( SS #, DOB, address for past 2 years and full name ), as I have done for over a decade. 

Of the the three credit reporting agencies, only TRANSUNION, LLC is refusing to send me a copy of my annual report. 

TRANSUNION, LLC stated that they need proof of address. 

I sent TRANSUNION, LLC a copy of the postcard they sent to me proving my address. 
I sent TRANSUNION, LLC a copy of a magazine subscription proving my address. 
I correspond with TRANSUNION, LLC via my address and TRANSUNION sends me postcards at my address, proving my address. 
I also sent TRANSUNION, LLC a copy of the first-page of credit reports I received from XXXX and XXXX, again, proving my address. 

TRANSUNION, LLC is refusing to send me the free annual copy of my credit report. 

I don't have utility bills in my name. I am not going to send TRANSUNION, LLC my bank statement, canceled checks or paystubs. Transunion, is notorious for reporting wrong information on credit reports. And I don't want them providing third parties information that is not normally associated with my credit report. 

I suspect TRANSUNION, LLC has a major side business selling personal information to debt collectors. 

This is not fair. I deserve to see my credit report to dispute ANY and ALL incorrect information.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CT)

I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX is reporting a collection account from XXXX on My XXXX, XXXX, and Experian credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

On XX/XX/2023 I filed a complaint with the cfpb # XXXX also uploaded all required documents that supported my request to block information as a result of identity theft. In the response to my complaint mentioned above Equifax stated they are not XXXX XXXX XXXX XXXX XXXX XXXX. However, its still being reported. They also have disabled my ability to reprocess my request through my online portal.
Consumer complaint received 2022-09-03
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. (MS)

Experian falsely claimed to the CFPB to have remove the XXXX account that is still showing up on my credit reports. I have provided a copy of the initial complaint as evidence. CFPB must demand that Experian remove the account or I will seek monetary compensation for their illegal practices.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo ( WF ) was my bank for a period of over 10 years. During these years WF had my trust and was my banking institution. More recently this trust was shuddered by WF on my finding that certain accounts were opened with out my permission and my knowledge. On my informing this to WF managers and I talking to press representatives about my situation I was quickly pointed out by the management of the bank for closure of all of my accounts dealing in a personal and business level. Over 13 accounts were closed by WF in an act of retaliation of reporting illegal activities by the bank. The closure of account has a cost of purchasing hundreds of dollars and staff time to re organize my banking systems. Retaliation and the reporting of wrong doing should not be a reason to close a customer bank accounts. Yet WF did.
Consumer complaint received 2023-03-22
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. (NE)

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. 

Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX, XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Hello : Experian is violating my consumer rights. 
I contacted Experian regaring 2 inquiries, XX/XX/17 XXXX & XX/XX/17 XXXX both were unknown, unauthroized, and no permissible. I contacted the creditors they have no info, no validity and could not provide proof and referred me back to Experian the bureau. Ive done that and have been failed. 
Contacted experian regarding an inacurrate, inavlid, unverified public record displayed on my credit profile. this too is specious. 
I suppled source data info and experian still did not correct the issue. please do.