davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (NH)

XXXX XXXX, XXXXDear Sir/Ms ; I have requested American Express to remove a negative item on my credit report, but they have declined. The event occurred in XXXX through XX/XX/XXXX. I closed my account with American Express and entered an agreement with American Express to pay the balance in monthly installments. I was reluctant to do this because it would be reported as a late payment on my credit report. I was told by the American Express representative that it would not have a negative effect on my credit because it would show that I was making monthly payments on the account. This was true for the first two months, however after the third month, my credit score dropped XXXX points. I immediately paid off the balance and thought my score would recover. However, two years later it has not and my understanding is that this will be on my record for another five years. 

I was a long time card holder with American Express and always paid my bills. If you look at my credit history, you will see that I have never been late for a payment on any account. I do not think that it is fair for this negative information be on my credit report for another five years. Also, the intent of the negative report is to reflect that I was unable to pay the account. This is false, which is confirmed by the fact that I paid it off immediately when the huge negative affect on my credit was made known to me. It is also misleading to show that I was late in paying my account when I was actually paying it off with monthly payments. 

I feel that I was given misleading information regarding the impact of the payment plan on my credit report. If I was told the truth about the impact on my credit, I would not have participated in the payment plan. I have XXXX requested the transcript of the phone call that I made to American Express where I was given the misleading information, and I have not yet received a response This is having a negative impact on the loan rates that I are available to me. I am also in the job market and I am concerned about this having a negative effect on prospective employer background checks ( which access my credit history ). 
Thank you for your time.
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX Ombudsman Case XXXX states : my Navient account is in deferment until XX/XX/XXXX. Two loans in my account were put into repayment status since this without my permission/consent. Navient has again ballooned principal balances on my most expensive loan and another loan in a fraudulent, criminal manner. It continues to mail documents it will not include on its website as documents we 've sent to you. It will not include on its website any documents I 've sent to it. A Navient Advocate writes in email it will get back to me after a different mailing from XX/XX/XXXX and did not get back to me. I have requested only written communications with the office of the advocate. Written email communication is not made available to me by the office of the advocate. Navient is continuing to create XXXX XXXX and hardship to my by refusing to service my loans according to my request.
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On X/XX/17 I contacted 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 and XXXX XXXX  about unauthorized inquiries that are appearing on my credit report. I told all of these companies that there is fraud alert on my credit report and none of these companies were given my permission to run my credit.
Consumer complaint received 2015-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (MN)

I am a victim of identity theft. I do not owe for this debt. A representative from Credit Collection Services continuously called me and harassed me, and told me I will be arrested if I do n't take care of this debt. Credit Collection Services is in violation of the Minnesota Debt Collection laws and the Fair Credit Reporting Act.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CT)

It was very unfortunate that the person on the call from Collection Bureau of America was very rude to the point that he did not listen to the details. I am sending the details again for the benefit of all stakeholders. 
XXXX XXXX was supposed to provide a credit of {$50.00} as part of first time discount when we started the services. Numerous calls and emails ( see the attached email communication ) did not result in any resolution. On top of it, they stopped the water supply since last XXXX months which has caused great inconvenience to my family.
Consumer complaint received 2018-01-11
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. (NC)

Emails from Transunion that are unsolicited and attempts to stop them on line fail and attepmt to have Transunion stop them by telephone call I am told they have no control over them and I must do that on line.

As I say the online 'unsubcribe featuer in the email do not do anything but time out.
Consumer complaint received 2018-01-11
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. (CA)

Experian/XXXX has a account on my credit report that is not mine and is holding my lively hood up and making me disqualified to obtain a checking account /credit card. The negative item is remaining on report showing a negative effect when it should not be there at all. Whenever I apply for a credit to rebuild my credit score/history the deduct a large amounts of points for inquiries and I get denied for credit. I gave disputed my credit score with Experian letting them know my score should be at a XXXX they do not care about putting me in jeopardy and tell me they have absolutely nothing to do with this. I opened and checking account with XXXX XXXX then a week later I go to the branch located XXXX XXXX XXXX. XXXX, Ca bank representative name XXXX tells me that XXXX chose not to bank with me and is closing my account. He told me he has never seen this happen before. Upon opening this account I was asked who I currently bank with I told them XXXX XXXX and they asked for my account and checking numbers with schools first to offer me a joint opportunity and XXXX deposited a small amount to XXXX  account I was told as soon as the deposit come through to let XXXX know. I believe my information was shared for other purposes other than given to me
Consumer complaint received 2021-02-26
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. (MO)

The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

I WAS CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE ON MY BARCLAY XXXX CARD FOR XXXX. CARD ENDING IN XXXX. MY HUSBAND AND I WROTE A LETTER TO THE CREDIT CARD COMPANY AS SOON AS WE SAW THIS CHARGE ON OUR STATEMENT IN XXXX AND REPORTED IT. THEY PUT THE CREDIT ON OUR CARD AND THEN TOOK IT BACK. THIS HAS BEEN AN ONGOING PROCESS WITH THEM. I HAVE REACHED OUT TO THEM AND THEY WERE VERY NASTY TO MY HUSBAND AND I AND SAID THAT WE WERE TOO OLD TO REMEMBER WHAT WE DID, THAT WAS SO UNCALLED FOR WHAT THEY SAID TO ME. WE HAVE BEEN GOING THROUGH THIS SINCE XXXX AND ITS STILL GOING ON. MY HUSBAND IS NOW XXXX AND IM SICK MYSELF WITH XXXX. PLEASE HELP ME TO GET MY MONEY BACK.
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. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data.

This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Consumer complaint received 2019-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by XXXX! I'm XXXX for whatever reason. XXXX XXXX are ghouls.
Consumer complaint received 2018-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I make an atm check deposit for the amount of XXXX USD on X/XX/17 XXXX XXXX PST @ a Wells Fargo location. Was never made available to me. Not even ( XXXXusd ) there was no return reason and was adjusted out of my account with the description ATM Dep error. Later after I acquired proof of payment ( POP ). I noticed there was two deposits on the date of XX/XX/XXXX. One was an atm deposit and one was done the branch. both have different account and check numbers. Only one has available image. Wells Fargo has not credited my account for either deposit and claims to have no records of the 2nd counter deposit done inside the branch. advised me to seek legal action.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XXXX XXXX or XXXX, I applied to Capital One for a credit card. I have very good credit and their website said I was approved and would receive a card in XXXX to 7 days. In early XXXX, I received a letter telling me I would receive the card soon. Today ( XXXX ) I called Capital One and, after a run-around, I was told that it may take another 16 days. Think that companies that lie to customers should be grilled by someone.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

This morning I realized that National Credit System changed their account open date on XXXX and XXXX. The original document said that it would be reported on XX/XX/2021 it showed up on my credit report on XXXX XXXX but now it says that it was opened XX/XX/2021. They will not acknowledge my documents sent to them that prove that this account is inaccurate and now are trying to make it make sense. They fraudulently evicted me on XX/XX/2021, and would not accept the check between the dates of XX/XX/XXXX and XX/XX/XXXX which was dated on the sheet they gave the National Credit System. NCS will not enforce the company to prove they are practicing unfair tactics.
Consumer complaint received 2018-01-11
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)

An account was opened and closed the same day with XXXX XXXX XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated. 
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my XXXX years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

On XXXX XXXX-2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that I am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX if this matter is not immediately by deleting this unverified debt from my credit file.
Consumer complaint received 2022-04-01
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. (OH)

Its a XXXX XXXX account that was open under my name with my information but different address this the account that was open XXXX amount XXXX activated XX/XX/20 someone stole my information.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections (UT)

I got a letter from XXXX XXXX XXXX for a debt that I owe for some medical treatments I had done. That I thought my insurance was taking care of, but I had n't met my deductible, so they were n't. I did n't have a job, or a phone, and did n't receive phone calls from the manager. She did call family members and asked if they could get a hold of me, when they asked what for, she was rude with them and would n't tell them, just left a number. I did try to call back at the number she left and each attempt went to voicemail and I was unsure what she was calling about so I did not leave a message. 

Cut forward to XXXX XXXX. I receive a letter that said I had 7 days to pay the balance in full of {$210.00}. The letter is dated XXXX XXXX, I live in the same area, so there 's no reason it took a week to receive it. I assume it 's because Bonneville failed to put it in the mail that day, I wish I had the envelope still to see when the exact postage mark was. I called the day I received the letter at 11:44 am. I asked if I could have an extension until XXXX XXXX to pay the amount in full. The person I spoke with said that would be fine. Right before ending the call she said, " do you still work for ( previous employer. ) '' I replied that I do not. She asked for my current employer information and I said I did n't feel comfortable giving her that information because I did n't want my employer to receive harassing phone calls from their company, like my parents have. She said she needed that information to make a payment arrangement, and I said, well I wo n't give you that information because I do n't feel as though it 's needed. She said, " okay that 's fine, I 'll give this account over to my attorneys office today, goodbye. '' I feel as though she was threatening and rude. Today I got served a summons from their attorney. In which the attorney office said that they needed the information of my employer to set up a payment arrangement, in case I did n't make the payment and a lot farther out if they needed that information to garnish my wages. Which would have taken months. This information was not explained by the Bonneville representative, only by their attorney office that I know owe almost {$500.00} to.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

XXXX XXXX XXXX aka Blackhawk Network Inc sold me a XXXX gift card on XX/XX/2017. The card was invalid. I have called XXXX XXXX XXXX customer service 5 times over the past month, they refuse to issue a refund. I have asked for a simple refund every time I call. First I got an official " escalation '' number. Then they claimed there was a 15 day " review period '' after that. Each time I call they have new excuses why they ca n't do anything for me. They promise that someone from the review dept is going to call me. Now I have called again after the 15 escalation days are expired, and they just keep stalling with excuses. They refuse to refund the invalid gift card. Now I am forced to report them to my bank for fraud.
Consumer complaint received 2017-12-03
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: Continental Finance Company, LLC (UT)

I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX has insisted on calling my elderly parents, my boyfriend, my sister and my work number to harass me and anyone who answers. They refuse to make contact by my home phone ( which is the ONLY number I have ever provided to them in regards to my accounts. ) I have notified them in writing and via telephone to refrain from calling my friends and relatives and work number yet they persist at all hours of the day and night. Please make these people stop searching for my family and friends. Please make these people stop harassing everyone I love or even know. Please make them refrain from revealing my personal information. There has got to be a way to end this persistent and ongoing pattern of humiliation and harassment. It must be illegal to refuse to call my phone and instead seek to get me fired, upset my parents, annoy my sister and boyfriend. Do I need to file a lawsuit? Can you fine them for this pervasive and ongoing systematic harassment? Please help! Should they deny that I have contacted them, I do have documentation of emails and proof of receipt of messages to XXXX via XXXX XXXX XXXX and XXXX XXXX. I also have a telephone log of proven harassment of my parents, sister, boyfriend and business number. They just wo n't stop ...