davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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 (NJ)

Applied for the ''Amex '' Magnet credit card around XX/XX/21 declared as pending status. I called around XX/XX/21 was informed I was approved then I said now I can work on the reward to their personnel and she responded ok. Then I called Fri. ( XX/XX/21 ) I had a few questions for them in conversation they then informed me I wasn't going recieve the {$200.00} statement credit due to to many accounts open and closed in a 2 year period and that I closed one their c.c 's in the past even though it was in good standing. I then proceeded to ask there personnel why they didn't inform me of their refusal to pay me a {$200.00} statement credit on ( XX/XX/21 ) when the lady had all my personal information in their computer on that day? They didn't have an answer for that then I logged an official complaint with them on ( XX/XX/21 ) and they responded weeks later with the same reason. In my opinion this is very unfair of them not informing me from the beginning. I presently still have this Magnet credit card in good standing.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

I worked with Citi to access my credit card account and they closed my credit card account against my will. I am worried that this will impact my credit score. I will promptly work with Citi to try and re-open the account, but I have the same concern. I am worried that my account closure will affect my credit score when there is a lack of sure-ness about if their processes " identifying the fraud event '' is so sure or not. regardless, I requested that they don't close the account, yet they closed it anyway.
Consumer complaint received 2018-02-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a five year car loan with capital one bank with a monthly payment of XXXX  on XX/XX/XXXX I prepaid this loan in the amount of XXXX and there after I pre paid the loan $XXXX per month till today XX/XX/XXXX my last payment is due XXXX the issue I they accrued some XXXX in late fees as they railroaded me a a customer. Now mine you the were able to collect some 4 thousand dollars in interest and they refuse to wave the late fees
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TN)

Hello, my insurance company ( XXXX XXXX ) sent me a letter for non-renewal of my car insurance policy, because of 2 " accidents '' happened in XX/XX/XXXX. 
I am asking for those accidents to be taken away from my profile, because : the first accident happened on XX/XX/XXXX, was in fact not an accident but I just hit some rocks/debris on XXXX, which cracked my front windshield, and thinking that insurance would cover that I filed a claim. 
the second accident did involve another vehicle. I disputed this event in court in XXXX on XX/XX/XXXX, and the prosecutor canceled all the charges agaist me, saying I was totally right and had no resposibility in the accident at all. 

I kindly ask your help to get my driving history profile edited/cleaned accordingly, because I am incurring in huge expenses that were not really caused by me. 
I have the documentation from court to prove what I said, and I will be glad to submit them to you, for your review. 
Thank you very much for your help. Best Regards
Consumer complaint received 2022-07-21
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXX XXXX  WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed : {$19000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian credit reporting is not accurately updating my credit report. I have contacted them and explained to them that both XXXX and XXXX XXXX are reporting all accounts accurately. I brought to their attention that a XXXX XXXX account that was paid off in XXXX of 2021 is not being reported as Paid in Full and closed. Their response to me, was that have still not received that information from the creditor. I contacted the creditor and they verified that, that information was indeed sent to all three credit bureaus at the same time. Why would the other two bureaus have that information updated and not Experian? The same situation goes for a XXXX XXXX Bank credit balance that has not been reported accurately for the past two months since XXXX of 2021 and for a XXXX XXXX Bank credit card that has not reported an account balance or payment history since XXXX of 2021. I contacted all creditors mentioned and they have all confirmed that the information has been uploaded accurately to all three bureaus. I asked Experian to again please explain why the other Two bureaus are reporting accurate information and they are not. The only answer that they could provide me with is that they only report information received from the creditors. Your help in this matter would be greatly appreciated since I have been a member of Experian 's services for over 4 years now and am being charged {$19.00} a month for inaccurate information. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CO)

I called Chase customer support in order to discuss payment options regarding 3 credit card account I have with them on or around XX/XX/2019. I was unemployed during this period and called to see if there were options to reduce my payments temporarily while I got back on my feet. 

At the time, I was less than 30 days late on my accounts, and we discussed a hardship program over the phone in which I would make 3 payments specified by Chase and then the account would be brought back current. We discussed payments that would work for me as I was returning to work that month, and the phone rep set up 3 payment withdrawals for each of my 3 accounts. This was an amount agreed upon with the phone representative, and the electronic withdrawals were set up by the Chase. 

3 months later, around mid XX/XX/2019, I come to find that they have been reporting my account late, and when I spoke to them, they said it was indeed a bank error after reviewing the phone call. I received a call a couple of days later from Chase saying they made a mistake again, and they were going back on their word that they had made an error. They said the late payments would stay. 

The phone representative never made any mention that I was not in fact enrolled in a hardship program. They never mentioned that the payments they had set up for me did not go towards bringing the account current. There was no indication that the payments were not in a sufficient amount to bring the account out of late status at any point. 

I now have 8 rolling 30 day lates and 1 60 day late reported on my credit report erroneously because the representatives at Chase failed to inform me of the negative impact that the payments THEY set up for me would cause. Had I been informed I needed to bring my account current or needed a higher monthly payment amount, I would have made different decisions. I called this creditor in a time of need asking for help, and they put me in a much worse position. 

These are unfair and deceptive practices from the collection department at Chase, and this is seriously hurting their customers in need. Instead of offering customers an honest path to bring their accounts current, they put them on a path that negatively impacts their credit scores, credit reports, and financial future for years to come. I urge that the CFPB please do something about this.
Consumer complaint received 2018-02-10
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: CORELOGIC INC (NJ)

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX XXXX XXXX/Credco Corelogic/Credco The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-04-29
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. (CA)

I found several unauthorized inquiries on my credit report that TransUnion refuses to remove from my file. TransUnion can't verify that the information is accurate or provide proof that I authorized these inquiries. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Back in XX/XX/2017, I filed an Identity Theft Report with the FTC Report # XXXX for the following accounts : XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX Additionally, on XX/XX/2017, I filed a Request to Block unauthorized charges under FCRA 605B Both letters were sent via certified mail to Equifax. Let it be known that both XXXX  and XXXX XXXX complied and removed these accounts, conducted investigations and concluded XXXX, XXXX XXXX XXXX XXXX would remain permanently deleted. However, to date Equifax has not responded at all. I have also requested the steps Equifax used to investigate. Again no response! In all, I have sent Equifax request to investigate, block and delete these accounts and have never received a proper and legally required response. 
I have since been turned down for credit moat recently for a XXXX XXXX card due to Equifax, been passed over on a job promotion that would have also increased my salary by {$18000.00} annually. My auto and home insurance has increased. I even reached out to Senator XXXX XXXX office and had a representative from the Senators Office investigate. Equifax has simply ignored every single policy and law. I am again, for the 5th, time demanding that Equifax block & delete the three accounts above from my credit report immediately. This letter will be followed up with a lawsuit  sometime in the next 30 days.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I discover this account in my credit report, I disputed, on XXXX finally was removed from XXXX and XXXX XXXX, I already submit a police report twice and all the paper work they requested, Experian refuse to remove it from my file is 12 years in my report, I been submitting, ; etterd in regards the matter with out any resolution.. 
This error is affecting my life dramatically, is also affecting me emotionally.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have an account with XXXX  XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with XXXX.
Consumer complaint received 2018-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

On XX/XX/XXXX Cavalry Portfolio Services was contacted via mail by me because they sent a letter claiming that I owed an amount of debt. I sent them a validation letter to prove this amount because I do not owe this debt. The information was removed off all 3 of my credit reports. Now I received a letter on XX/XX/XXXX about this same unvalidated debt and according to the date of XX/XX/XXXX as the open date listed on the letter, this debt has reached its statute of limitations. This debt remains unvalidated and it has expired but this company keeps contacting me regarding this debt saying it will resume collection efforts. But at the bottom of the letter, it states that due to the statue of limitations they can't sue me for the amount.
Consumer complaint received 2019-08-25
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. (NY)

I have an account with XXXX  XXXX ( XXXX credit card ). Payment is due on the XXXX of every month. This month I made a full payment of the account balance on XX/XX/2019. The payment posted on XX/XX/2019. However, the bank reported a balance of {$35.00} on my credit. I called customer service, I was advised to mail or fax my credit statement along with my credit report for correction. 

To my dismay, the bank has made another report on my credit, reporting another more higher balance on my account. These two reports are within the same month just days apart.This has affected my credit score drastically. 

I believe the bank has intentionally decided to hurt my credit because I initiated a dispute with equifax.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (VA)

NY Higher Education Corporation keep putting information on XXXX, XXXX and XXXX   stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago.

This is causing my credit score to drop and shows damaging information on collections I do not have.
Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Timothy E. Baxter & Associates, P.C. (MI)

On XX/XX/18 I received a credit alert from XXXX that a new hard inquiry was on my report. When I checked it was from the Law Offices of Timothy Baxter stating I applied for a new line of credit. I have never heard of or authorized this company to access my report. I immediately contacted the company and was told by XXXX they dont need permission to run my credit. I then called XXXX who removed the inquiry and placed a freeze and fraud alert on my account. Come to find out this is a debt collection agency attempting to collect an old debt HOWEVER they should not ran my credit as an attempt to say I applied for a new line of credit which I never did.
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc. (MI)

CBM services was calling on my personal cell/ work phone to collect a debt not owed by me. I informed them I wanted correct accounting of debt we which was not provided. The correct amount is {$870.00}. 31. They informed me a owed {$960.00}. 31 plus {$280.00} collections fees for over 90 days late. I explained that my bill was incorrect and wanted a correct accounting of bill, at which time I could pay. I never received the correct billing and it was place in civil suit, I am being sued for {$1200.00}. 40. I had a pretrial hearing, and was told that billing should be corrected. Company corrected the billing but still charging the XXXX collections for not paying the " incorrect '' amount in 90days
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — Store credit 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: Colony Brands, Inc. (MS)

I ordered merchandise on XX/XX/2021 and about an hour later, I requested to cancel the order until further notice. I got an email " the next Day '', on XXXX the XXXX, 2021 stating that the merchandise had already been " shipped '', but I requested the order be cancelled within 8 hours of the order on Sunday, so there are " no '' shipments on Sundays. I spoke with three people today on phone about the order ( the third one was a supervisor ), and she told me that she would credit my account for the order since I requested it be cancelled the day the order was placed, within 8 hours. Consumers have the right to " cancel orders '', within24 hours, which I did within 6. See attachments of emails correspondence back and forth with Swiss Colony Reps.
Consumer complaint received 2020-09-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-08-25
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX/XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX****
Consumer complaint received 2019-11-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (GA)

I received the bankruptcy discharge statement dated XX/XX/2019 stating that this debt was discharged without payment. The company on this discharge was called XXXX. 

I have been receiving emails from Navient about payments since XX/XX/2019. 

I contacted Navient and told them the debt was discharged. I faxed them the paperwork on XX/XX/2019 showing that the XXXX debt was among those discharged in my bankruptcy claim. They haven't responded except to say that my payments are going to increase.