davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX  XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/2019 I noticed my payment for my promotional purchases did not go through due to issues with their website : https : //d.comenity.net/wayfaircard I spoke with a customer service representative to see why my payments did not go in as scheduled for the promotion purchase that was expiring XX/XX/2019 that expired resulting in a finance charge of {$400.00}. I discussed that there was issues with the their online payment system but I did get a website confirmation that the payment was scheduled to be paid. The payment however did not complete so the promotion expired and I was charged the finance charge {$400.00}. I disputed the charge with the Comenity and their resolution was that I did not pay it off in time disregarding the efforts that I did attempt to pay it off before the expiration. 

There was a separate promotion purchase that was expiring XX/XX/XXXX. I noticed once again that the payment did not go through for this as well. I called the XXXX at approximately at XXXX on XX/XX/2019 to  resolve this issue as well. I was told that since I was in within their grace period of 3 days since it expired on the weekend that if I made the payment over the phone I would not be charged a finance fee of XXXX. However on XX/XX/2019 I was charged the finance fee. I spoke with another account manager and she stated that since the payment went through at approximately XXXX PST it would not post the next business day so I was responsible for the finance charge.
Consumer complaint received 2020-05-01
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: JPMORGAN CHASE & CO. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law offices of Steven Cohen LLC (NY)

Apparently I had a credit card from XXXX visa back in 2008. I know for sure my credit limit was no more then {$500.00}. I received a letter from the city clerk of the city north tonawanda XXXX XXXX of niagara today saying I 've been sued for {$3100.00}. They stated I have 20 days to make first payment, which is XXXX % of my total wages or their gon na contact my employer and go through them. I 've Google the credit card company XXXX, who I apparently had soo long ago, 8+ years ago and I found out this is happening to so many people. This company went bankrupt in 2008. Please I need help resolving this asap. 
Thank you, XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Dear Credit Bureau, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

I am writing to dispute the following information that your company supplied to [ give the name of the credit bureau whose report has incorrect information ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 

This address [ XXXX XXXX XXXX XXXX XXXX, NY XXXX ] is inaccurate and incorrect because I have never ever lived in that apartment. 
I am requesting that you have the item removed or change to correct the information. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. 

As per section 609, I am entitled to see the source of the fraud information, which is the original contract that contains my signature from XXXX XXXX. 

As proof of my identity, I have included copies of my NYS-id and my Social Security card. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2020-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (IN)

In mid XXXX we started receiving phone calls at my grandma 's from some debt collector for my estranged mother. Neither I or my grandmother ( her ex mother in law of 30+ years ) have had anything to do with their client ( my biological mother ) in several years. I have told them this repeatedly! I even gave them a current phone number for her, and yet about once a week or so we still get calls from the collector. It's for about {$4000.00}. They are extremely rude, and I am terrified that they are going to do something to either of us but especially my grandma. It's not our debt! Please help!
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

1. Credit report shows that XXXX that I lived at XXXX XXXX XXXX XXXX XXXX Ne XXXX I have never lived in XXXX , NE I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Iowa XXXX since XX/XX/XXXX. 

2. Credit report also shows I still work for XXXX XXXX XXXX I have worked at XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX 3. The Bankruptcy was related to my Wife 's failed XXXX  lease.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MA)

A settlement check was mailed to my former address in XXXX by the company handling the Equifax Refund in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX ( less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a million dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?
Consumer complaint received 2021-07-06
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. (GA)

I settled my XXXX XXXX credit card charge off. XXXX XXXX  did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.
Consumer complaint received 2021-07-06
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 settled my XXXX XXXX credit card charge off. XXXX XXXX did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. XXXX XXXX verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.
Consumer complaint received 2017-08-10
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: SYNCHRONY FINANCIAL (AL)

There is an unauthorized credit inquiry on my report. I let them ( JcPenny, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You
Consumer complaint received 2017-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I contacted XXXX XXXX on XXXX XXXX to ask for them to validate the debt. I do not believe it is mine. They did not respond so I wrote again on XXXX XXXX and they still have not responded to prove that the debt is mine. Under FDCPA, they must remove the account being reported because they could not send me proper validation.
Consumer complaint received 2019-03-06
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 (MA)

I applied for a credit card through AMEX on XX/XX/19. I wanted to transfer the balance on a credit to AMEX to take advantage of a 0 % APR transfer for 15months. 

I got approved a line of credit, it was lower than what I was looking to transfer. Now we all know when you apply for a credit card you do not know what your balance is going to be, and if it would be high enough to transfer my existing balance over. 

So I went online to see if the balance could be increased and submitted the request, I called AMEX and talked to their credit line department. 

I was told I was denied, because I had to be a customer for at least 60 days before I could apply for a credit line increase. I was a little taken back on why this information was not provided in any of the disclosures I had just agreed to. I was told that it was an internal policy. If I am applying for a line of credit I should know everything that will untimely make my decision on whether or not to move forward with the application. This information would have made me decide not to apply for the card as I would not know what my initial line was going to be until I had applied. 

The promotion I was taken advantage of is for only good for 60 days, I have to wait 60 days to request an increase. I find this deceiving. If the information about waiting 60 days before a could submit a request to increase my line was provided to me in the disclosures that I had to agree to, I would not have applied for the credit card, not knowing what my initial credit line offer was going to be if approved. So now I have a credit card that is basically useless to me and an inquiry on my credit report. 

If I am applying for a line of credit, I should have all the information up front so I can make a decision on whether or not I want to move forward with the application or if the card is right for me. Obviously this card was not the right fit for my based off of the information I found out after I applied for it.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with XXXX and XXXX. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear report.
Consumer complaint received 2022-01-06
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made on my Apple credit card. They were made to two different airlines XXXX XXXX XXXX 
I was In the hospital on the XXXX having XXXX XXXX and continued to be in the hospital until XXXX XXXX. 
I did file a complaint from my hospital bed having seen my latest statement and had them close the account. 
This is still ongoing I was credited back three charges but not one for {$720.00} to XXXX XXXX which they have already credited me to {$230.00} with XXXX XXXX. 
Wrote a letter in XXXX sent proof of my hospitalization phone records that I called Apple card services and requested a new card. Its almost 6 months later and they keep telling me that they are not resolving the dispute in my favor. This doesnt make any sense to me Im in battling XXXX now for nine months and havent flown in years. 
Their only response in their investigation was that they basically believe the vendor, that it was me that did the charging. 
That doesnt even make sense. I need some help with this its causing me a lot of stress and Im not I dont seem to be getting anywhere with Apple support or anybody else thank you
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I received my California XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am XXXX. 
I have a Direct Deposit with Chase Bank in which my XXXX funds is electronically wired to my Chase checking account ending # XXXX in the amount of {$4300.00} on XXXX XXXX. I took out {$3300.00} out of the account on XXXX XXXX and there was a balance of {$1000.00}. 
As of XXXX XXXX my auto car payment of {$440.00} with XXXX XXXX XXXX wasn't paid.I have contacted XXXX XXXX XXXX that I will pay my auto loan with another method payments and my auto loan is paid on XXXX XXXX, but not with Chase Bank account ending # XXXX. 
So there is {$440.00} to be credited back to my account with Chase bank account ending # XXXX. 
Also, My Chase Military Bank Account has a overdraft fees of {$160.00} on my account. 
I am respectfuly giving my consent and authorize Federal Government to investigate my complaint and check my Chase account activities and transactions. 
I am XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received an email from someone impersonating my boss at work on XX/XX/2020 and the email was sent to my work email. He requested my help with sending money to a vendor via XXXX XXXX and stated that I would be reimbursed afterwards. His email had the name of my boss and he had a photo of my boss in the email. I have email correspondence that I can provide to prove that this was a phishing attempt as well as impersonation. I believe there were multiple people involved as I was requested to send money to two different people. I filed a dispute to my bank ( Chase ) but was denied as I " authorized '' the money even though it was under false pretense. I emailed XXXX and they denied my request as they are unable to refund " completed '' transactions. I sent someone named XXXX XXXX {$1700.00}. I was able to track down her social media as her phone number ( listed on XXXX ) was linked to those accounts.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX XXXX  Branch in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the Branch to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager. When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX Branch where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX Branch and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX Branch, and I wanted to open accounts in his Branch. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX Branch could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I have a collection on my XXXX credit report. When I sent Franklin Collection Services a letter about it they sent me a letter for the item listed. It has the last four of my SSN but the name on the debt does not belong to me. I want this removed immediately. Please see all attached docs. Thank you.