davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make sure to update the following accounts as soon as possible : 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 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

American Express offered me a 0 % APR for purchases from XX/XX/XXXX through XX/XX/XXXX. I paid my bill in full for any charges before the promotional date started and have paid more than my minimum payment since then. I keep being charged interest each month. Each time I chat with American Express, I am given different reasons and excuses. None of which match the agreement terms I accepted that Amex offered me. I have the details of the deal from Amex in an email. What they are doing is very misleading and I believe violates Fair Credit Billing Act. They kept trying to tell me different dates of why I was being charged, each of which I was able to prove wrong. Then, I was finally able to get in touch with a manager, he explained that I paid all charges prior to the start of the promo APR. I even paid over the amount due to pay some towards what I am using the promo offer for. The manager said they apply the payment how they see fit and applied part of it to my charges before the promo period and applied the majority of it towards my 0 % promo charges. This is unacceptable and I believe it is fraud and misleading business practices. I have attached the recent chats with them which shows part of the misleading answers their employees were giving me, but I don't have access to the previous messages.
Consumer complaint received 2022-10-14
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2022-04-29
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: JPMORGAN CHASE & CO. (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX, XXXX and/or XXXX ) credit report XXXX My latest credit report shows Jpmcb XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Date : XX/XX/2020 I Tried to make a payment of {$3100.00} to a Bank of America mastercard in cash! and the machine got jammed! I Never got the money back! On XX/XX/2020 at XXXX XXXX at Bank of America Branch ATM with ID # XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX .The ATM machine only gave me a ticket that says " We apologize for the inconvenience. We are unable to process your request and can not return your items ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I did call but to this day no letter or any response. Please help.
Consumer complaint received 2020-01-23
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. (GA)

Incorrect Bankruptcy showing on my credit report belongs to someone with similar name. XXXX has found it to be an error and deleted it. Experian and XXXX have refused to do so. I have attached my XXXX report showing there are no Public Records bankruptcies attached to my credit file. The address that was reported on the bankruptcy is not mine nor have I ever lived there. Please review the attachment and delete the error immediately. It has not been verified by anyone because it does not belong to me. The Northern  District Bankruptcy Court of Georgia have verified none exist for me nor have they given that information to Experian or XXXX due to their policy.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

I recently pulled my credit report from all XXXX agencies. I noticed a collection listed from Ability Recovery Services with 2 accounts that I did not recognize. Acccount ID : XXXX for {$52.00} and XXXX for {$52.00}. On XX/XX/XXXX I sent a certified letter to the Ability Recovery Services requesting  validate the debt. On XX/XX/XXXX, I received a letter from the company with a printout of a bill. On that bill it states that the XXXX XXXX Due amount is XXXX. Then under that it states under creditor information that the current balance is {$52.00} for both accounts. The printout does not state what the charge of {$52.00} for both accounts is for. I sent another certified letter which was picked up by someone at Ability Recovery Services XX/XX/XXXX at XXXX. In that letter I requested that the company provide me a breakdown of the fees, what the fees were for, who and how it was verified and verification of a HIPPA authorization. I have not received any documentation or response from my letter since it was received by the company XX/XX/XXXX.
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

I'm currently trying to get my credit score up and when i looked i saw that I have about {$10000.00} in debt from medical services at a few different hospitals and XXXX  when I had insurance that was supposed to cover it. I had no idea about these until I just checked my XXXX XXXX report. What do I or can I do to get these removed? They have destroyed my credit rating and now I cant do anything like get a home or car or anything.
Consumer complaint received 2018-02-07
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)

Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliant Financial Corporation (NV)

XXXX was repossessed on XX/XX/2017 after making a payment. I did not receive anything about the repossession or how to get my vehicle back. When I called they lied and told me the vehicle was sold for {$100.00} and I still owe {$3000.00}. There is no record of sale, no documentation, and I believe they took my vehicle and kept it. I continue to ask for paperwork and to have them remove the balance owed from my credit report because they took the vehicle and did not see it.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have ( 3 ) accounts that's been charged off the accounts are as follows : XXXX  XXXX XXXX this account shows that it has been charged off for the amount of {$2100.00} it's last reporting date is XX/XX/21 I received a 1099c to filed this as earned income this item needs to be removed from my Consumer Report.

Item ( 2 ) XXXX XXXX this account is showing that it's charged off for the amount of {$5000.00} I received a 1099c to filed this as earned income this item need to be removed from my Consumer Report Item ( 3 ) XXXX XXXX this account is showing that it's been charged off for the amount of {$12000.00} this account was paid in full remove this account for inaccurate reporting.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX  - this is not my account- {$3100.00} - XXXX XXXX XXXX  - this is not my account- {$28000.00}
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a letter from XXXX XXXX that the account for XXXX that they have ceased on the collection account for XXXX. It's still on my XXXX  credit report.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, Transunion, XXXX regarding the following accounts. 
- XXXX XXXX - this is not my account- {$3100.00} - XXXX XXXX XXXX  - this is not my account- {$28000.00}
Consumer complaint received 2018-02-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (NY)

On XX/XX/XXXX, i went in to finanve 2 pairs of prescription eyeglasses for my daughter. The merchant explained the the process while submitting it online. I gave my information and told me that i would get a text message and to give her so that the application could be submitted, which i did. Everything came to {$1100.00}, {$50.00} which was the application fee. I got my merchandise, she printed the agreement and i went my merry way. She did not explain all the terms to me.On XX/XX/XXXX, called and was shocked when i was told that i owed {$2300.00}. I inboxed XXXX through XXXX and this following is what i was sent. There is no way that i would have agreed to this had this been explained to me .This is our XXXX   messenger communication " This place is horrible. The merchant did not tell me i had 90 to pay off anything. Bought 2 eyeglasses XXXX. Now I'm being charged XXXX because it said i didn't pay off by XX/XX/XXXX. Thats double the price plus some. I've made XXXX in payments to learn i have 12 more  payments to go. Would never have agreed to this had i known. Seriously XXXX for 2 eyeglasses. '' " I'm sorry that the merchant did not explain all our terms to you. We are a third party company that handles the financial side of the contract. We provide the lease agreement breaking down all our terms since the merchant is not the financial institution, they will not be the ones who know our terms. You did sign the lease agreement that breaks down all the costs. As well as received a text message on XX/XX/XXXX that explained all the amounts stating " Congratulations, you signed your Acima Lease : - Lease # : XXXX - XXXX Buyout XXXX : {$1100.00} - Pay Freq : every-other-week - Pay XXXX : {$88.00} - Est. 1st Payment : {$88.00} - 12 Mo. Payment XXXX : {$2300.00} Call Acima at ( XXXX XXXX XXXX XXXX with any questions '' I snapshot the communication I had with XXXX and uploaded them. Sorry for them being in pieces.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I paid the entire balance on my credit card and I placed another order online on XX/XX/XXXX and JXX/XX/XXXX. Apparently, the order which I placed on XX/XX/XXXX was a fraud and after I find out it was a fraud 2 days later I called Chase credit card and told them the situation. I was told by their representative not to worry about it and not to pay that amount which is {$27.00}. The only thing I have to pay is for the second order I placed on XX/XX/XXXX which is {$84.00}. 

After I received my second order through the mail, I didn't like one of the item and went to the store and returned it. The store issued me a credit of {$31.00} and I saw on the credit card. Next thing I know, Chase deduct the {$27.00} and is telling me that I have a {$3.00} credit. I called them and ask them about the {$31.00} credit I got from the store and where the {$27.00} went. Now, they're telling me that I paid the whole thing which is not true. They're giving me the run around. They owe me {$27.00} from the {$31.00} they deduct it. I have proof of everything. On XX/XX/XXXX, I placed another order from XXXX XXXX for {$41.00} and since I have a credit of {$3.00} and plus the {$29.00} they took my balance is only {$9.00} which I already paid. But, they're still billing me for the {$27.00}.
Consumer complaint received 2021-08-18
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. (CO)

Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NJ)

BBVA Compass advertised a {$200.00} offer for opening a consumer checking account. The offer said to " apply online before XX/XX/XXXX '' and receive a qualifying direct deposit to qualify for the offer. I applied for the account on XX/XX/XXXX but was not approved by the bank until XX/XX/XXXX, and now they refuse to honor the offer because my account was not opened until after XX/XX/XXXX. I do not know why the bank took over two weeks to process my application but it was through no fault of my own, and I do not think it is right that the bank is reneging on their offer.
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Round Up Ventures, L.P. (TX)

I received an offer by mail from Lendly ( XXXX ). I accepted the offer and was approved instantly online. I was provided several different loan options. I made my selection and was then provided with a link to verify my checking account and deposit information. The link did not work correctly. I reached out to their live chat and spent over an hour trying to enter passwords and account information. Finally I was told they had IT issues with the account verification process and were hoping to get it fixed soon. My only other option was to manually upload the documents. I logged out and then logged back in and was not able to access anything. I clicked on the account information link and learned my approved loan was changed to denied. I called them to confirm if this was correct and they said yes I was approved for the loan but they changed the decision. My complaint here is, when a loan company approves someone for a loan, they should not be allowed to cancel the loan after an official approval has been provided. I wasted an hour of my time today on this pathetic company. I understand the difference between a pre-qualified vs a pre-approved loan offer. In this case it was an approved loan with an offer made by the lender which I accepted and they then denied.
Consumer complaint received 2018-02-07
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. (UT)

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX  are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
Consumer complaint received 2022-07-21
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. (IL)

In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX  15 U.S.C 1681 Section 602A 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 account without my written instructions.
Consumer complaint received 2022-01-09
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)

I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer report.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (CA)

i tried to solve the problem with the bank but they have no power to do anything they signed me up years ago for cards i didn't need and was charged fee 's for cards i didn't need as i was a student and only that one was really needed so when i found out i stopped paying and wanted them to take the fee 's and cards off. then i went to XXXX for a XXXX XXXX attempt. i just went and tried to get a new card and my credit is to low. i would like them to reimbursement me for fees from cards that i didn't need. and also to work with me on dissolving my debt and open a rewards card with them for i had outstanding payment record before i got into it with them about unnecessary cards and accounts.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAC Financial Corp (OK)

I was hospitalized in 2012 when I was XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX XXXX, Oklahoma. Due to my families low income the XXXX informed us of a XXXX XXXX that would pay for all hospital expenses that totaled a little over {$18000.00}. Recently, I checked my credit score and those expenses still appeared as owing. So I contacted them, discussed the situation and they were able to remove the expense from my credit history. There is still another hospital expense that they won't remove. I made two payments because they were persistent. I learned that I could dispute it, and I'm needing help.