davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (OK)

I have an Apple credit card through Goldman Sachs. They have a cusotmer assistance program in which if you can not pay your bill they defer it for a month, and you pay no interest. I have documentation that shows I had an arrangement and they continued ot send me late notices and threatened ot susupend the card, and then did so. I had an email they sent me stating that I was on the customer assistance program for XXXX. I also have chat documentation showing the rep advised ot ignore the payment reminder as I had a deferred payment for XXXX. When I contacted them via chat ( as this is their method for customers who need assistance ) they bounced me around for 8 hours from department to department and asking me the same questions and never sending me to the right department. They sent me to XXXX, they sent me to itunes- everywhere but what I asked. I sent the information to the XXXX and advised they needed to correct my bill and stop sending me threatening messages, late notices and unsuspend my card. I also asked for it to be corrected with the credit bureau, as I had an arrangement and they agreed that I did, but they still kept saying I was late, even though I uploaded the documentation to show them. They told BBB they would correct all the issues, but they have not. I asked for a supervisor today and the supervisor claims that it has been corrected, I just can't see it. They previously reversed only XXXX of it, and this has been going on since about the middle of XXXX when they first started sending me notices that I would have a payment due, even though they sent me an email to confirm I was on the plan, so no payment would be due. They are attempting to drag this out to make me pay more interest. There should have been no added interest because I was on the plan. They refuse to reverse the XXXX because they are trying to make me pay more interest. They continue to drag this out, as I have been going through this since about the middle of XXXX when they started sending me reminders for payment when I had already made an arrangment, again, which interest is not charged when you are on an arrangement, and those are their rules. They have not kept their word. How is this legal?
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Because of problems in the past I have placed a fraud alert on my credit report. I have also placed a lock ( not a freeze ) on the 3 major credit reports and a freeze on the 4th one. 

However Comenity continues to show this account as open when in fact it is closed. 

COMENITY BANK/XXXX  Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED FCRA rules are not being followed If this financial company does not like me because of my ethic background of being XXXX, XXXX and from the XXXX XXXX XXXX then perhaps legal action should take place.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-21
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. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-21
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. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I did not see a option for my complaint. There should be one for re aging old depts. Thats what portfolio recovery is illegally doing to me. My original dept with XXXX XXXX is well over 7 years but portfolio illegally re aged it to the year XXXX. They sent me a letter XXXX and i looked on my credit report and seen they illegally re aged the dept to XXXX. This is a clear violation of the ftc. I reported this to them but they dont care it seems I am just a XXXX citizen they feel they can prey on. Also my last 4 digits of my social security are XXXX. I could not enter it in the next step for some reason. Thank you for everything. God bless America
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Chase locked my checking account on XX/XX/2020, I have not been able to access the funds since then, a local banker stated that Chase is closing the account and he does not know if or when I will be able to access the {$200.00} of funds therein.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Dear Sir or XXXX : This is a written complaint about a Freedom Mortgage. I had a mortgage with them that was paid off on XX/XX/2020. The loan number is XXXX. The Lender is not being transparent. I was sent a letter on XX/XX/2020, stating the account was closed and that the mortgage release documents were being processed and mailed to my XXXX XXXX. As of today, XX/XX/2020, there is not any said release documents that have been received. Last week, I was on the phone with many holds for XXXX hr and XXXX minutes just to acquire information. They have {$26.00} that has been assessed to me to have these documents filed. During the process of this call, it was stated that those documents were sent on XX/XX/2020. Either this was lost between Freedom Mortgage or it was not sent at all. At this point in the process, I do not trust that Freedom Mortgage has completed their part of this process. I do not find their processes credible. All I am asking is that they complete their release documents. There was not a management Team Member available for a long hold today, XXXX, XXXX, 2020. Since it does not appear that my XXXX XXXX has received the Mortgage Documents, would you please help me to expedite Freedom Mortgage to do their part? 

Thank you so much, XXXX XXXX
Consumer complaint received 2020-05-16
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. (TX)

On XX/XX/2020, a collections account was paid in full/closed. It is my understanding that the credit bureaus have between 30-45 days to remove the derogatory information from my report. On or about XX/XX/2020, both XXXX and XXXX  had removed the derogatory information. As of yesterday, XX/XX/2020 ( day 45 ), Experian has still not removed the derogatory information.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-30
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: AMERICAN EXPRESS COMPANY (NC)

Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve Companies : American Express XXXX. XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2020-06-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. XXXX  XXXX XXXX {$2500.00}, XXXX {$4600.00}, XXXX XXXX {$4600.00}, and XXXX XXXX {$280.00}. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. XXXX  XXXX XXXX {$2500.00}, XXXX {$4600.00}, XXXX XXXX {$4600.00}, and XXXX XXXX {$280.00}. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2020-09-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.
Consumer complaint received 2020-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (FL)

yesterday, XX/XX/20, I spoke with an agent that advised me that " written notice/Verification notice '' was mailed to an address that i have not lived at for 2 years. I advised wrong address and requested validation of two debts. I found out about these accounts because i got an alert on my credit score app. After reviewing my disputes again, I noticed the Agent only  Disputed/requested Validation for 1 out of 2 accounts. When i try to call back i am sent to voicemail. On my credit report it shows two different collection companies " Debt recovery solutions , llc '' and " XXXX XXXX XXXX '' but when i spoke to Debt recovery solutions, they advised they had both accounts. XXXX XXXX XXXX is collecting {$120.00} and Debt recovery solutions is collecting {$1600.00} but i have never been contacted ( no called or mail ) in regards to this debt.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.
Consumer complaint received 2020-09-02
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. (VA)

I Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately XXXX XXXX has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and XXXX INCONSISTENT 2018 showing proof XXXX XXXX did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NCB  MANAGEMENT SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NCB MANAGEMENT SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I check my credit profile on Experian regularly due to having been a victim of fraud in the past. I checked my Experian info. on Monday morning XX/XX/20. No problem. When I returned home at night, I checked my info, it said Experian updated my new email address. I didn't add a new email address. So I went to Experians website to log in and it said it didn't recognize my user id and password. And just like that, here I am again. I can't access my own information on Experian. I tried to freeze my account, and it said it couldn't do that. So I froze my account using XXXX  and XXXX. I did this on XX/XX/20. They have people you can talk to when you call, not Experian. So I locked my credit and froze my accounts using XXXX  and XXXX  and can not access my account on Experian. All of the phone numbers at Experian lead to nowhere ... .no human contact. No help available. Using XXXX  XXXX XXXX, I can't even pull my credit report for Experian.
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (TX)

I settled a debt with XXXX  XXXX which works with chase I believe, I was making payments on time and there was an issue with my job so I called to scheduled a payment later than what they had said and they agreed but not only that, they were charging triple and I had already made payments before but they couldnt see it on their report. When I was going to make the payment on the date that I had told them, I no longer could make the payment. I tried contacting chase but said my account was not found. I also to date I have not received letters from them stating my new balance or anything like that.