davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today, I filed Complaint # XXXX involving XXXX with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting Transunions NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.
Consumer complaint received 2023-02-07
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-04-01
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. (FL)

My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX Experian Report # XXXX
Consumer complaint received 2021-07-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

I AM AN XXXX YEAR OLD MAN WITH A SMALL REGIONS BANK SAVINGS ACCOUNT. I LIVE MOSTLY ON A SOCIAL SECURITY XXXX PENSION. I AM XXXX XXXX XXXX IN MY XXXX XXXX  AND CAN NOT READ WITHOUT A BIG MAGNIFIER IN MY XXXX XXXX, WITNESS MY USE OF AJLL CAPS. 
I HAVE A RECENTLY OPENED SMALL STOCK ACCOUNT WITH XXXX. 
WITH MY XXXX XXXX BLOW UP FEATURE AND CAN MANAGE. RECENTLY I NOTICED THAT REGIONS WAS FINING ME {$12.00} WHEN I TRANSFERRED FUNDS TO MY STOCK ACCOUNT. XI HAVE NEVER TO MY KNOWLEDGE BEEN ADVISED BY REGIONS THAT THEY WERE DOING THIS. I GET NO HARD COPIES OF MY STATEMENTS. IT IS REAL HARD FOR ME TO TEAD ON LINE STUFF. 
I DO NOT THINK REGIONS HAS THE AUTHORITY TO TAKE {$12.00} DOLLARS FROM THIS OLD SICK MAN EVERY TIME HE TRANSFERS & XXXX OR {$100.00} DOLLARS TO XXXX  FOR HIS NEW GREAT DAUGHTER XXXX. IT SIMPLE IS UNREASONABLE AND UNFAIR.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

AMEX refuses to credit a promised promotion through " AMEX OFFERS '' when a purchase was made to take advantage of a targeted " Amex Offer ''. 

My AMEX Platinum Card received a targeted offer for purchases made through XXXX XXXX {$100.00} off purchase of {$100.00} or more made through Dell.Com ). This offer stated an expiration date of XX/XX/XXXX. 

This offer was added to my card and an order exceeding {$100.00} was made from the merchant 's website on XX/XX/XXXX. The merchant sends a confirmation of order on XX/XX/XXXX ( which can be provided if needed ). 

The charge goes into " pending '' status on credit card statement as of XX/XX/XXXX. 

On XXXX I checked my statement to see that the charge had posted, but no applicable {$100.00} credit was added to my statement. I reached out to the merchant through their " Chat '' support to determine a resolution. The chat representative informs me that since the merchant decided to post the charge after their expiration date, they will not honor the credit. 

On XXXX I called into AMEX Customer service and explained my situation to a customer support agent again hoping for a resolution, as I assumed there to be a misunderstanding. I placed the order prior to the offer expiration date and, as a customer, have no control over when a merchant decides to post a transaction. The agent acknowledges that determining when a merchant would decide to post a transaction is out of my hands, however states that there's nothing that AMEX is willing to do to resolve the situation as the merchant posted their transaction after XX/XX/XXXX. The agent transfers me to a manager. The manager reiterates that the are logging my complaint, however there is nothing they can do in the way of a resolution. 

I am hoping a formal complaint will encourage the company to reevaluate how they handle this deceptive and exploitative " promotion ''. There is no conceivable way having an arbitrary " fixed '' expiration date tied to their offers are fair to the consumers, if this date is fixated on a characteristic the consumer has no control over ( i.e. charge posting date ).
Consumer complaint received 2019-05-13
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: Experian Information Solutions Inc. (DE)

Original complaint # XXXX XX/XX/XXXX I purchased a vehicle using XXXX XXXX XXXX XXXX as the loan provider. I made every payment ; occasionally a week or 2 late. However, payments were always made. I had a payment not clear because they cashed the check before the payment was due and the check was dated for, however they continued to cash my checks afterwards. XX/XX/XXXX, a repo man showed up at my job to take possession of my car. I contacted XXXX XXXX XXXX XXXX because I could see on my bank account that they had received my payment. they advised they were not going to cash the check and wanted cash for the current payment, the next month 's as well as the fee for the repossession. As I was in XXXX and XXXX XXXX XXXX is in XXXX, the time difference didn't allow for me to get to the bank for the cash as it was already past XXXX est. I had no choice but to let the repossession to happen. On my credit report they show my account current until after XX/XX/XXXX at which point I no longer had the vehicle. I received notification they were outing the car up for auction, however I never received any paperwork after the sale of the car. They charged off {$9500.00} for what I can only assume is the amount they sold the vehicle for. I initially financed {$12000.00}, making 7 months of payments of $ XXXX. I have contacted XXXX XXXX XXXX on multiple occasions to request proof of sale at the auction. they have refused to provide me the requested information or allow me to speak to the person who can provide me the information. 

If the initial loan was {$12000.00} and they sold the vehicle for {$9500.00} at the very least my balance should be {$3200.00} ; however the payments I've made should be factored in the balance as well. 

I've attached the credit report ; item 1 is the account information that you apparently could not find previously. I have also contacted my cell phone provider to obtain a list of the calls I've made. I will send as soon as I receive.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing a complaint against Bank of America for their dishonest, unprofessional practices on a reversal payment to my checking and debit account I am very dissatisfied with BofA. On XX/XX/XXXXI had a reversal payment in the amount of {$270.00} from XXXX XXXX XXXX due to a glitch in their system, I have been assured by XXXX XXXX XXXX supervisors that the money was reversed back to my account on XX/XX/XXXXand it would take two business day to reflect back to my account. I have been calling BofA to find out about my refund they did not have a clue XXXX XXXX XXXX had assured me it would take two business days to reflect on my BofA account which it would have beenXX/XX/XXXX. On XXXX I call XXXX XXXX XXXX and connect Bank of America and we had a conference call with supervisor XXXX from BofA XXXX XXXX XXXX assured him the funds had been reversed the same day ofXX/XX/XXXX Bank of America supervisor could not explain why the funds had not been put back into my account he informs me the funds could be available on Monday, XX/XX/XXXX well today is Tuesday XX/XX/XXXX, and no funds have been released to my account. I call BofA and spoke to XXXX very rude, I requested a supervisor and I got XXXX he did not have a clue why my funds were not put back into my account. I call XXXX XXXX XXXX and had XXXX on the line and connected once again BofA and spoke to XXXX we had a conference call she also tried to figure out what was happening with my refund since I had XXXX XXXX XXXX on the line and they assured XXXX the funds had been reveres on XX/XX/XXXX, she could not figure out why my funds were not available.I have to continue to wait for my {$270.00} funds.
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX XXXX XXXX XXXX reportedly was paid in points and loan closing cost to refinancing my home on XX/XX/2019 that included the next payment process will not be due after 45 days after the loan closed the payment would not be due. On XX/XX/2019 chase report that the loan were transferred over to chase who is currently the new services provider and requested a payment for XXXX. I disagree with paying the XXXX Payment for the following reasons : ( 1 ) XXXX XXXX Report they were the servicers for XXXX and ( 2 ) Chase report they also was the servicer for XXXX ( 3 ) On XX/XX/2019 I called Chase and reported to the Customer Service Department the discrepancy and to investigate the XXXX Payment being applied to XXXX XXXX doing closing and no payment for XXXX will be paid to Chase until further investigation. On XX/XX/2019 Chase Applied {$2200.00} the XXXX payment to XXXX when they were not the server for the loan. I would like for chase to correct there records and my credit report and apply to reflect correct payment history.
Consumer complaint received 2021-02-08
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: CITIBANK, N.A. (PA)

I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

Received a phone call from ERC wanting me to pay for a past due bill from XXXX. 
Tried keep me on automated system. before finally having to wait for a operator. 
Wanted my social security number. Wouldn't give it. 
Said the were trying to collect a debt from XXXX. 

Called on XX/XX/XXXX @ XXXX from XXXX
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (GA)

Around XX/XX/XXXX I filled out a deferment request to Georgia Student Finance Authority. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Experian refused to investigate my identity theft claim of unauthorized and fraudulent accounts and credit inquiries listed on my Experian credit report, even though I filed a police report with the XXXX XXXX Police Department and have a police report on file. Police report case number : XXXX : XXXX. I am a victim of identity theft. The following accounts and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXX Bank, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX BankXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Rental History Reports, XXXX XXXX XXXX.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I been asking XXXX, XXXX and Portfolio Recovery to validate the account from Portfolio Recovery since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but Portfolio Recovery has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
Consumer complaint received 2020-04-20
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. (TN)

Experian should not be reporting a collection/chargeoff in the amount of {$780.00} on the XXXX XXXX. partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and is reporting in error. I have never had an account with XXXX and I never gave permission for an account to be opened with XXXX. I have tried to contact the bank as well as the bureau to have this line item removed however, I have not been successful. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score. Please remove this line item.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation. 

Thank You
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX is stating that they spoke with me about issues with the XXXX insurance and the loan. They have never had a conversation with me and I want proof of the recordings. There were never communications with me and if someone was stating to be me it is fraud and the recordings will show. XXXX XXXX XXXX XXXX is also stating and admitting the this car was paid IN FULL by The end of XXXX in XXXX This fraudulent error of keeping the negative on my credit report is causing my family to not be able to get a car or buy a house. The car was paid in full. Payments were never missed. Insurance paid and the XXXX paid the bank. I demand that XXXX XXXX XXXX XXXX Furnish proof that they spoke with me and as well ask for good faith of removing this reporting from my credit report. Why would it be reported as bad debt when the bank received everything it was suppose to receive. Payments before the accident were perfect history and then insurance and XXXX paid the rest. This is Blasphemous.
Consumer complaint received 2017-12-06
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. (TX)

The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XXXX XXXX, XXXX. 
XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. 
XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - XXXX
Consumer complaint received 2017-12-06
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. (TX)

The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XXXX XXXX, XXXX. 
XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. 
XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - XXXX
Consumer complaint received 2021-02-08
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: Santander Consumer USA Holdings Inc. (PA)

I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ZIONS BANCORPORATION (AZ)

I have been banking with National Bank of Airzona for a few years now, however only this year have I had trouble checking my account balance, balance on credit cards and making payments. When I call in, I am told that they can not vverify who I am and that I can not get any information about my accounts including balances or making payments to loans or credit cards. 

I tried to explain that i am XXXX and that I can not read the security code on the back of my card and they are unwilling to accept the pin code that rhey send over my land line phone even if I get it correct. 

Simply going to the local branch each time to complete a simple balance check on my account or making a payment on a loan is unacceptable. There are no other procedures in place to verify who I am. This is a blatant violation of the Americans With Disabilities Act.
Consumer complaint received 2017-12-06
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. (MD)

To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX XXXX, which is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to XXXX XXXX XXXX, Equifax nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MS)

I called outsourcing convergent inc on the XXXX XXXX XXXX and told them I had an account on my credit score from them. I told them that debt wasnt mine and it was fraudulent. No one has been any help. Ive called once a week for over a month now.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter XXXX/2024 due to inaccurate information on my consumer credit report. The letter will be attached which is dated and time stamped. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.