davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I am seeking clarification on who is the " merchant '' in this legal member agreement. I am a member, I am doing business with BLUEBIRD AMEX, but why is the merchant 's integrity, more important than mine as a customer of BLUEBIRD? : This is the statement from my member agreement I want addressed.

5f. Returning Merchandise If you wish to return any merchandise purchased with a Bluebird Account, Bluebird Card, Family Account or Family Account Card, you will be subject to the merchant 's return policies. If the merchant agrees to issue a credit, such credit may take as long as seven ( 7 ) days or longer to post and be reflected as Available Funds. 

My merchant XXXX, gave me 10 days to solve this claim. The merchant wanted the defective product back, and after I returned it at my own expense by priority mail, and they had it for two days, XXXX paid me. So what does AMEX have to do with an investigation? Are you going to refund my postage paid to return a defective item. I was in constant contact with the seller, because they phone would not work. I even looked up the IMEI number and found out it was made in XXXX and not all protocols were compatible with American phone carriers. The seller strung me along, because I truly liked the phone, but it would not WORK IN AMERICA! I have emails that show I tried over and over to work this out for two months. The seller strung me along long enough for my XXXX protection to run out, but XXXX had my back! 

In my case the Merchant was XXXX XXXX, AMEX does not have a buyer 's protection policy, but just recently is enacting one in XX/XX/2018. My XXXX account, which I used to sign up for my XXXX account over 17 years ago, did protect my purchase. I do not see why this would be treated as a courtesy for the merchant who sold me a defective product. I am the customer of AMEX, and I should be given such a justifiable treatment.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I applied the Chase XXXX prime account at XX/XX/XXXX and it was approved. but I receive an mail from Chase my account will be closed on XX/XX/XXXX because of my previously closed account. My previos account was closed at the beginning of XXXX and I couldn't come back to US because of COVID. so when I got that mail from Chase, it was over 6 months and they didn't give me any reasons why they closed my account, just told me it was over 6 month and the account can not be reinstated. My account was closed by mistake 3 years ago and they did it again this time.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYS BANK DELAWARE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2017-12-16
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: EQUIFAX, INC. (FL)

On XXXX XXXX I tried to log start a dispute online but they ask my identification questions and I answer the question truthfully and they gave me an error message that the information was wrong. So i called them.If you guys asking me questions that dont have anything to do with me.How do you expect me to answer those questions. Anyways I called them in regards to these inquiries and spoke to a U.S. Representative and after speaking to that person about the identification question and my inquiries she stated that they will be remove and they are still there. This company willl allow people to run my credit illegally but take me through XXXX to remove them. These inquiries were unauthorized XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2017-12-16
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. (FL)

I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (CA)

There is an incorrect Bankruptcy listed on my XXXX and Experian credit reports, I believe it belongs to somebody else who has a similar name to me and has been mistakenly placed on my reports. I have been disputing the error with the bureaus since XXXX of XXXX, but they have not removed it. I have done my research and I know that the courts do not report or verify information with the bureaus so I requested that the bureaus provide information on where they got the Bankruptcy info from. XXXX responded once in XX/XX/XXXX, stating that they got the info from XXXX. I know this is impossible because XXXX confirmed to me over a year ago ( In XXXX of XXXX ) that they investigated and found the bankruptcy to be an error, resulting in its removal ( see attached document ). Experian has never responded to me even once, despite my monthly disputes sent via certified mail. Not responding is a violation of FCRA regulations.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX, opened Ally Invest account. {$2000.00} deposited in one transaction. Transaction shows successful under both accounts. {$2000.00} properly reflected in Ally XXXX. 

On XX/XX/XXXX, Ally Invest account reflects {$0.00} cash funds. There was no activity in the account since the deposit. I wait 3 hours on phone and chat to talk to a rep. He can see the funds reflected clearly on his side, acknowledging I wouldn't be able to see or do anything on my side. He said he couldn't file a money transfer request through the system but put it through to have the money transfer done manually for XX/XX/XXXX. Confirmation email at XXXX. At XXXX, receive new emails saying, " We are unable to cancel previous day Real time Transfers. We ask that you withdraw the funds. '' On XX/XX/XXXX. Called twice. XXXX. XXXX min wait. Regular Ally Banking systems shut down, try calling back in an hour. XXXX, website/app back up, but all money transfer options were stopped in app and website. Second call, XXXX hour wait again to Ally XXXX. XXXX acknowledges same situation as yesterday, but is unable to fill any money transfer request. ( Apparently I could still have orders placed through a Live Broker. But the only way to get in contact is to be transferred through their main customer service line. ) By the end of the day money transfer services seemed to be restored, but Ally Invest account is still improperly showing cash fund as {$0.00}.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

****Hello, My name is " XXXX XXXX XXXX, I have been trying to correct my credit report over the past year but it seems no success. According to my recent credit report request from XXXX  there are several inaccurate accounts on my report. I notice that all of the name, addresses, employment information and all the hard inquiries are incorrect. There are also some derogatory accounts that are not belong to me or our association that I demand removal as they are in violation of the following applicable credit reporting laws : XXXX** 15 USC 1681623 ( a ) of FCRA/FACTA ****I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are all of name, addresses and employment information  that need to be removed : **************************************************** _NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _EMPLOYMENT INFO XXXX XXXX XXXX % % % % % % % % % % % % % % % % % % % % % % % _ADDRESSES REPORTED XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ************************************* _HARD INQUIRIES *XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX **XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  ( XXXX XXXX XXXX XXXX Inquiry :  XXXX. XXXX, XXXX + XXXX XXXX  ( XXXX ) XXXX _XXXX XXXX XXXX : XXXX XXXX XXXX Reported : XX/XX/XXXX {$400.00} XXXX XXXX Reported XXXX XX/XX/XXXX {$640.00} ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
Consumer complaint received 2020-09-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Global Trust Management LLC (OH)

Received a call from XXXX XXXX XXXX at my place of employment. A woman named XXXX asked for me. I have talked to her in the past, and she has always refused to give me details about the debt and who the original creditor. She was left threatening messages to my relatives and stated that I will be arrested. Now she has been calling my work, and I need this to stop. This is an illegal practice and is harassment.
Consumer complaint received 2017-12-16
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. (FL)

I am sending this final goodwill letter in regards to a reoccurring problem by the credit bureaus and creditors continue to place inaccurate information and errors on my credit file. I have contacted each credit bureau by mail sending certified letters, previous recorded phone calls with supervisors and managers that I have on record, a complaint with the FTC, a law suit filed against all 3 credit bureaus along with a separate law suit against the creditors listed in the letter I have attached to this complaint. This is my final attempt to reach you. Please read the letter carefully and take it as a serious matter. It is not a threat, its a final good will letter.
Consumer complaint received 2017-12-16
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. (PA)

I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted TransUnion regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
Consumer complaint received 2021-05-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (ME)

Starting XX/XX/XXXX Community Loan Serving started charging me an additional {$55.00} monthly. They know I'm on a Forbearance and am struggling. 
I called about this additional charge and was told by a rep it was for a late fee. I told the rep I was not late. The Rep. instructed me that the only way to get it removed and/or get reimbursed was to contact customer service in writing and wait for 30 days for a response. 
I contact customer service in writing, and waited the 30 plus days ... .and then was told it was not a late charge it was property inspection fees and they will not reimburse me. 
That was fine except now, every single month since XX/XX/XXXX until now XX/XX/XXXX the charge remains on my bill for me to pay monthly, and I am forced to pay it, the amount is always {$55.00} dollars and not related to the normal mortgage amount. And no matter what I pay my account goes into suspense. 
In XX/XX/XXXX I received a letter stating that an Audit was issued and I have been indeed over paying and they are going to reimburse me. With this letter was no check or the amount that was due to me for the over payments. 
I called and spoke to a rep which told me she will issue me a {$55.00} check but the remainder of what is owed to me I'll have to fight for it by contacting customer service and waiting for 30 days to hear from them. 
I instead am writing you in hopes you can help me. As I am absolutely confused and exhausted with dealing with this lender for many inconsistencies. Meaning, this is not the only problem I am encountering with Community Loan Servicing LLC.
Consumer complaint received 2021-05-03
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. (GA)

I recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to EXPERIAN, XXXX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.
Consumer complaint received 2023-03-02
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: CORELOGIC INC (NY)

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IA)

My monthly car payment is and has been set to come out of our account on the XXXX of every month via auto-pay. I have not missed a payment for a year. My husband misplaced his debit card end of XX/XX/2021, and when he went to get a replacement card I did not realize it automatically turned auto-pay off for our car note, seeing as our bank account information was included in the auto-pay and not just the debit card. XX/XX/2021 the auto-pay never went through, which I was completely unaware of as I had just had a baby 4 days before, the last thing on my mind was checking my account to make sure the auto-pay went through as it has for the past year. We did not know the bill was late or hadn't gone through since we did not receive any calls from the company until after XX/XX/2021. As soon as we found out the auto-pay hadn't been paid for 60 days we quickly paid the bill for both months and got caught up seeing as the money was sitting in our account all along. However, this has effected our credit score drastically as they reported two missed payments in the last 60 days and I feel these late payments need to be removed.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

This company AFNI put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called XXXX. The account number is # XXXX with the company AFNI The last dispute letter date was XX/XX/2020 The amount is for {$100.00}
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I've tried to get access to my account on my.equifax.com several times today and each time they only get me to reset the password and I am unable to ever login into my account. 

I've contacted the company representatives three times today XXXX and on the first two times, the reps said they would transfer me to the tech support, but we never reach the tech support department. 

On the third try, the rep tried to get us to reset the password and also got the same result being unable to login into my account. 

We keep getting the message, " We are temporarily unable to complete this request. '' I asked the rep to see if there was anything that was incorrect on our account or profile, but each time, we get this message. We try on different browsers too and still get the same message. XXXX XXXX, XXXX XXXX, XXXX XXXX. 

We tried this a couple of times around a month ago too with same exact result. No one is able to provide a solution to determine the reason or cause for being unable to login into the account.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and inconsistent things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report, it has been over 60 days so they should be deleting promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused they cause me.
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (WI)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2017-12-16
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. (CA)

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.