davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC. (ID)

I received a voicemail on XX/XX/2020 at XXXX XXXX  ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 ). I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my  brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.
Consumer complaint received 2020-04-28
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY PRETENDED TO BE ME AND THEY OPENED FRAUDULENT ACCOUNTS AND CHARGES. I HAVE REACHED OUT TO BOTH COMPANIES AND THEY HAVE NO PROOF TO PROVIDE TO ME WHO HAS OPENED THE FRAUDULENT ACCOUNTS.
Consumer complaint received 2021-02-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX I have not received any information from Portfolio Recovery Associates regarding my request for validation of this debt. Furthermore the item remains on my credit still reporting negative with the remarks " consumer disputes after resolution. Collection account ''. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. This account is not mine and they have failed to comply with my request. Acct # ending in XXXX -Date Assigned XX/XX/XXXX
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC (NC)

I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
Consumer complaint received 2018-06-18
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. (FL)

This item still appears on my Transunion credit report. The source, XXXX & XXXX XXXX ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

Transunion has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX reported a data breach impacting 145.5 million people. Get up-todate info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP
Consumer complaint received 2020-04-28
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. (MA)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX XXXX XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX  XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2021-10-05
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. (WA)

This is a complaint against XXXX. I already disputed an account from them before, under the name XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax XXXX XXXX. However, an account with the same account number XXXX but with the name is now only showing up as XXXX, re-appeared in my reports and reporting negative under Equifax XXXX XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2020-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX  XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DC)

I signed up for an American Express Delta Gold card with a XXXX sign up bonus after the required spend. I met the required spend, Amex credited my account on my Amex statement for approx 72,000 miles, but has not transferred the points to XXXX. I have called Amex multiple times and have not been able to get Amex to transfer the points even though they are in my Amex account. 

I have attached a copy of the Amex statement which shows I have accrued the points.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

Hello it still says I owe {$25.00} but that was paid in full AMERICAN HONDA FINANCE Last reported XX/XX/2021 {$25.00} Reported balance Highest balance {$13000.00} Nice! You've almost paid off 100 % of this loan
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. XXXX and XXXX are reporting my XXXX student loan as late when it should be as what Experian is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (TX)

I have a loan with XXXX XXXX, Santander Consumer Usa, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, Santander Consumer Usa, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-04-28
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. (NY)

I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-09-10
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: EGL US, LLC (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has vioated my rights. 

5 U.S.C 1681 section 602 A. States i have the right to privacy.

5 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 5 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
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was vacationing in XXXX and they had an open air market in the resort. I thought it would be nice to buy myself a souvenir. 
There was a gentleman there selling " cenote stones '' that were pretty clearly neat glass cocktail rings, and I decided to purchase one. He said it was XXXX, which I thought was pesos and I was ok with. He charged me {$640.00} dollars, which I was not ok with and decided to dispute with the card. I later found this is a pretty common scam ( XXXX XXXX XXXX ). This link is an example but you can find many stories that line up with some XXXX. 
I explained this when calling the credit card. I requested they charge back {$600.00} and bring it back in line with what I originally agreed with. I purchased an item, I'm willing to pay for it, but I'm not willing to be fleeced for the pleasure. I have rings with ACTUAL gemstones I haven't paid that much for! 
Working with BOA has been a nightmare. Every time I would call to ask a question or get clarification I would be bounced agent to agent and spend a lot of time on the phone, often around a hour with long hold times. They would often tell me I was probably going to be out of luck. 
The first time it was closed I called to get explanation and the rep said she did not understand why it was closed, felt it was closed in error and refiled it, it was immediately closed again. 
I've had to work with other credit cards on billing issues and it was usually a quick and painless process and I recoup my losses. That has NOT been the case with BOA. 
I am incredibly dissatisfied with this situation and will be closing this card out as I refuse to work with a company that doesn't stand behind it's customers.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (PA)

XXXX XXXX stated to me on XX/XX/XXXX that I had a debt to them for {$2500.00} that they was sent from another collection company being XXXXXXXX XXXX in which is XXXX XXXX. XXXX XXXX XXXX did not send me any kind of letter of no kind to the said debt by law. I also had a right to dispute the debt before XXXX XXXX XXXX placed it on my credit file. XXXX XXXX XXXX could not even tell me what the debt was they told me to call XXXX which is XXXX XXXX phone number in which I called and was told it was being sent back to XXXX XXXX XXXX. I have also place a copy from the Consumer Financial Protection Bureau Complaint Number XXXX dated back on XX/XX/XXXX as submitted and XXXX XXXX responded back on XX/XX/XXXX as the disputed account has been removed from my credit report and that all 3 credit bureaus should have been sent as well. XXXX has been nothing but a nightmare dealing with the issue at hand. 
Attach is a copy from the company responded back as to the complaint filed to the Consumer Financial protection Bureau complaint number XXXX as proof
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-28
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: Innovate Managed Holdings, LLC (MO)

Within the past few days I changed my email subscription with XXXX XXXX to get more preferred emails. I also checked XXXX XXXX and it had the option to look at my auto loan. There were only a couple options and I read through the details then backed out. Ive been planning to refinance later in the year after my XXXX hard inquiries get dropped. There is no reason for any company to run my information. Im also curious as to how they received my information if it wasnt given or approved.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

First Citizens Bank offers a bonus when a checking and savings account is open, I completed the requirement on XX/XX/XXXX. No bonus yet. 
Well I called today and they insisted I would not be receiving the bonus after all. Very bad bank.
Consumer complaint received 2018-02-22
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. (MI)

I am exercising my rights as a consumer to properly verify this account, XXXX didnt provide me the method of verification they did about this XXXX XXXX account it probably was some form of number code sent over to the CRA and that was good enough well according to Section 609 of the FCRA a company has to prove and provide the proper documentation with a original signed contract with my signature. I reached out to XXXX XXXX  and this is what they sent me ; Ill attach documents. These documents anybody could have printed these up and put my information on here. One statement and a made up looking electronic application. Please provide me with an agreement contract and my signature states section 609 of the FCRA. This is my 3rd round with XXXX  addressing this as a complaint. I disputed this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Consumer complaint received 2020-07-15
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I purchased supplies for my business from XXXX XXXX for {$39000.00}, the supplies were picked up the same day from the merchant in XXXX, CA. On XX/XX/XXXX I was notified via email that there was a recall of the product by the manufacturer. On XX/XX/XXXX, the merchant picked up the supplies and issued me a receipt for the return and a letter stating I would receive credit back with 24-48 hours. I never received the refund after multiple attempts to contact the merchant with no response. On XX/XX/XXXX I contacted American Express to explain the situation, they entered a claim on my behalf and did not ask for any supporting documentation. On XX/XX/XXXX I received notification from American Express stating that my claim was denied because " they did not believe goods were exchanged ''. I was shocked, I called them and no one could explain to me why this decision was made, but I was told they could redispute the transaction and I could attach supporting documentation if I had it. At that point I provided them with the purchase receipt, the recall notice, the letter stating I was due a refund from the company and all of the email correspondence with the merchant. Within 48 hours, American Express again denied my claim for the exact same reason. Again I contacted them to ask why they " did not believe goods were exchanged '' to only be told they could not give me any additional information but I could redispute for a third time to have someone review again, I agreed. Again with 2-3 days I received the exact same denial letter. When calling back for the 3rd time I was now told there was nothing they could do because I had already disputed the transaction 3 times and I would have to take it up with the merchant. I think this behavior is extremely predatory against the consumer, deny their claim and trick them into agreeing to redispute until they can not do it anymore and also don't tell them what you need as far as documentation and also don't tell them how they came to that conclusion. It just seems completely deceptive and unfair and what UDAAP was meant to protect against. I have been a customer since XXXX and I have never had an issue but I truly feel that American Express is not doing their job to protect me as a customer. Please help.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.