davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (TX)

Hello, In XXXX XXXX and American Express ' response they noted that I called in on XX/XX/XXXX, and represented myself as my father ( customer ). Here I made a call to XXXX XXXX and made a {$990.00} payment for my father 's account ( co # XXXX ). I clearly remember identifying myself as junior, and never once stated that this was my loan ; I suggest XXXX XXXX, American Express, CFPB and myself have a conference and listen to the call. In addition, the company also took my cell number during the call and used it for follow up contacts without my permission and without a miranda indicating it was okay to do so. Not only has American Express had a formal Do Not Call on file for my number, but the document clearly states that I am not the customer. When XXXX XXXX called back on XX/XX/XXXX they advised that it was an attempt to collect a debt, and I clearly identified myself as the customer 's son. The agent did not go any further, but did ask if I had a valid contact number for my father. I gave them my mother 's number and the call ended. Again, I didn't tell them not to call because American Express had already had one for file for months if not years. When XXXX XXXX called back again on XX/XX/XXXX and again advised that it was an attempt to collect a debt, again I clearly identified myself as the customer 's son and informed them that I already gave them a contact number. Here the agent advised that she knew, but that the one I provided was also highlighted as a Do Not Call number. The statement definitely stuck out because not only was she attempting to collect from someone she knew was not the customer, but since the agent was unable to contact the customer they started contacting known family members for payments. Lastly, when I did call back in on XX/XX/XXXX, the assisting agent refused to indicated whether or not my number had been removed from their call list. They would not validate the information so I asked to speak to a manager and they refused. Only after noting that refusing to allow me to speak to one is in fact a violation did they decide to get me to a manager. At that time I confirmed that my number had still not been removed from their system. The manager informed me that they would do so, and I believe that they have.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MT)

I received a text on XXXX XX/XX/2020 from XXXX that stated ETA :  XX/XX/2020 between XXXX - XXXX. Documents at XXXX XXXX XXXX in XXXX XXXX. Signature Req 'd by XXXX XXXX. To reschedule and to make in voice XXXX current ; please contact account services at XXXX reply XXXX to stop. Neither me nor my partner live at this address, and further, fraudulent text messages stating documents will be received is false, misleading, and threatening.
Consumer complaint received 2021-04-28
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: ENCORE CAPITAL GROUP INC. (WI)

I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting Midland credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (VA)

Diversified consultants reported an old account from XXXX as a collection account to my credit which in fact was discharged in a chapter XXXX bankruptcy. They refuse to remove the debt and are violating federal law because this debt by law is no longer allowed to be collected.
Consumer complaint received 2018-09-26
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. (GA)

XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.
Consumer complaint received 2017-11-06
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: DISCOVER BANK (FL)

I have written to Discover on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, without prior notice or an explanation. Chase closed all my open credit cards with them. I have been both a personal and business customer with them for many years. I had both my business and personal accounts closed. I attempted to get an explanation from Chase and was only told that I had added too many authorized users to one of my cards. I explained why I added the authorized users and that I only had a handful of authorized users. I had added authorized users to that specific card because it was the one I checked most frequently so it was the easiest for me to monitor to ensure my users were spending appropriately.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I closed a XXXX XXXX credit card over two years ago, but it looks like I just closed it in the last month, which is inaccurate. I decided to close the card due to redundancy & less use, so I went through the process online with the website, and assuming the messaging was accurate and logging data I never even had to call to speak to someone, assuming the XXXX XXXX the brand propagated was accurate. 

I just confusingly learned from an auto-generated email about my account address being changed a.nd officially finally cancelling successfully, with a human being to confirm and everything. There 's a ~6 month gap of any communication to me regarding my card, thus indicating data loss likelihood and supporting my assertion that the card had been closed properly. I recall that the website was undergoing massive tech changes/updates/bugs during that time, so this mixup and any record of the event is only strongly supported by the subsequent 2.5 years of inactivity and {$0.00} balance. Regardless, the company told me they could n't file anything to resolve it internally or on my behalf, and informed me I would have to submit this complaint.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I received a letter from Chase to inform that they are closing my accouts due to " unexpected activity in these ir another Chase account. '' Ive tried at all possibile to find and cure this " enexpected activity '' but I have no answer from Chase of what is it and what documentation they would need from me.

As Chase is my only personal and business bank wich I have 5 total credit cards ( 4 personal 1 biz ) its negatively impacting my life and bussines. It`ll also bring a financial hardship as I have to move it all to another institutions impacting in a lot of new hard inquires, time to get credits reinstated and it all.
Consumer complaint received 2023-01-08
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: Receivables Management Corporation (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC (NJ)

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Consumer complaint received 2017-11-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was sold to a new company that uses a servicing company called Shellpoint Mortgage Servicing. I tried to call them to get details for paying my payment. I tried every option but all ask for my ten digit phone number on file. I tried every phone number that I have had for the last 30 years. It will not let you speak to someone without the correct phone number. I mortgage payment is due in less than fifteen days and I am not sure where to send the payment.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BAY VALLEY MORTGAGE GROUP (CA)

I applied on XX/XX/XXXX for a refinance transaction with BAY-VALLEY MORTGAGE GROUP XXXX XXXX XXXX, XXXX XXXX, CA XXXX and it is now XX/XX/XXXX i have not received loan approval or any updates on file. i contacted XXXX the account executive XXXX and they are now stating i need to pay for rate extensions and a .5 % fee that fannie mae is now implementing.
Consumer complaint received 2021-02-24
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 (NC)

On XX/XX/2021 I tried to redeem my membership rewards points to book a flight but that wasn't successful. I chatted with the customer service who informed me that my rewards account was put under review that same day and this process takes 4-6 weeks to be completed. It's been 6 weeks so, I chatted again with 2 different customer service representatives who both confirmed that there has been points acceleration done recently to my account and that I should be able to redeem my points now. I went ahead and tried to redeem my points for a flight reservation but still was unsuccessful and they charged my credit card even though I didn't authorize this ; I chose to pay with points in full.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

My double cash card from Citi Bank which I opened 2 months ago charged me interested when the card was supposed to be 0 % APR for 15 months. When I called they said my card only has no interest on transfer while the offer letter clearly states that there is no APR for all purchases up to 15 months and they said the offer stands as is and they can not do anything for me.
Consumer complaint received 2023-01-09
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-20
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. (MS)

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2019-02-21
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. (NY)

The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX XXXX XXXX. 
2. XXXX XXXX .
Consumer complaint received 2019-02-21
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. (CA)

It looks like the original creditor was XXXX XXXX. I spoke to XXXX XXXX bank bank in 2017 regarding this account. I had no knowledge of this account that was opened under my SSN and immediately filed a dispute.The results of the dispute came back as i was NOT Liable for this account. One year later, XXXX   XXXX bank forward this account over to a third party collections company XXXX XXXX. I have spoke to this third party company and adivsed them that I was not liable for the account. I then also contacted XXXX   XXXX bank again and they act like they have no knowledge of anything, since the account was forwarded over. There is report on my credit report. That the account was removed initially when it was with XXXX  XXXX bank.
Consumer complaint received 2017-10-28
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. (KS)

In XXXX 2017 I contacted Transunion to dispute an account reported delinquent by XXXX XXXX. 

Following my online dispute, I had a follow-up conversation 10 days later via phone. I asked for their fax number as the original creditor XXXX XXXX agreed to fax a letter to TransUnion advising to correct their information and that I had no delinquent payments. 

Both myself and the original creditor have made several attempts over the last three months to get TransUnion to have my credit bureau reflect accurate information on my credit report. 

Despite our numerous attempts in all communication formats, TransUnion refuses to comply with the Fair Credit Reporting Act, that has had a direct economic impact on my ability to both get credit and the cost of obtaining credit. 

Attached is a copy for XXXX XXXX sent directly to TransUnion advising them that my account should not reflect any delinquency that should substantiate my claim of TransUnion negligence and merit both civil and criminal sanctions on Transunion in accordance with U.S. Code.
Consumer complaint received 2023-01-09
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Consumer complaint received 2023-01-09
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)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Consumer complaint received 2023-01-09
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)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.