davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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: AMERICAN EXPRESS COMPANY (AZ)

I used my American Express card and American Express travel to book a hotel room for my XXXX XXXX XXXX father. My father called me today, my brother is in the hospital with XXXX failure. Understandably, my father needs to cancel his trip due the severity of this situation. The hotels cancellation policy is 72 hours. The hotel saw my reservation and said American Express should not charge me a penalty to cancel since I called within the allowable time. The hotel was very compassionate and understanding. American Express was not at all compassionate or understanding. American Express said the penalty is XXXX night stay. They charged me double this. Ive had two phone calls with American Express. I have spent almost 2 hours on the phone. I feel totally helpless. The hotel really tried to help. They said American Express is wrong and they have done this before to others. I cant believe a firm like American Express can take advantage of people like me. Its bad enough my family is dealing with a health crisis. American Express has made this worse.
Consumer complaint received 2022-12-09
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. (GA)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Neon Newco Corporation (VA)

I have an account with Netspend and I get a check once a month and i normally get a notice on my phone when funds are there.For some reason this month I did not get notice and i begain getting over draft text messages and I have called the company to dispute the transactions. and then I was told it takes ten days and I recieved more withdraws from my account even after the first dispute so after ten days I called to find out where was my funds they told me they are still investigating and it will take up to 90 days and my account is now XXXX dollars. Overdrafted. I could not pay any of my bills. this is not the first time I have done a dispute with this company and did not get a resolve. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then I was charged for some things three times over after the dispute. nothing has been done. the other company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (FL)

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Hello, my name is XXXX XXXX. Today I would like to write a complain to this bank company about my problem. My debit card somehow got stolen and used to purchased at this gas XXXX station for multiples transactions that I am not recognized. I called and disputed all of them with the 5/3 bank, then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave XXXX reasons are : First, some transactions are in between that are not reporting as fraud at the time the dispute transactions occur. Second, the debit card was used pin to purchased. Third, Not call in and report it right away. 

I do not know what to do and how to resolve this matter. Please help. Thank you. 

XXXX XXXX in the amount of : {$520.00}, {$200.00}, {$100.00} -XXXX XXXXXXXX in the amount of : {$860.00}, {$610.00} XXXX XXXX, 2022 in the amount of : {$61.00}, {$570.00}
Consumer complaint received 2024-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I purchased a XXXX  vehicle with XXXX miles for {$15000.00} and I gave {$4000.00} as a down payment over a year ago. I still owe over {$15000.00} to pay off the loan. The interest rate is at 28 %. I'm unable to keep up the payments. I took the loan because they were the only one that would finance me but it has been a burden paying because of the high interest. I've contacted the company they are willing to adjust the payments however they continue to report my account delinquent with the credit bureau. The payments would be increased to {$700.00} a month for a year. I just don't think it's lawful or right to be charged such.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2022-12-05
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)

in accordance with the fair credit reporting act 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting can not furnish a account without my written instructions. 15 usc 1666 ( B ) a creditor may not treat a payment on a credit card account under a open end consumer creidt plan as late for a purpose
Consumer complaint received 2022-09-27
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 recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some Collections reported on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under IS USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK Except as otherwise provided in this section, a consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in this LAW it states that I have to provide you with any police report. This is clearly a stall tactic and going against my human rights.
Consumer complaint received 2022-12-05
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere is an account with XXXX XXXX XXXX with account number XXXX on my XXXX that was opened on or around XX/XX/XXXX. 
I reached out and informed them aboutthese accounts that are not my accounts and to remove them from my record but they have not removedit. I did not open these accounts and I have no knowledge of them.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I got a large inheritance in 2 parts. One was in XXXX and one was on XX/XX/XXXX. The forst one everything went ok and when i came with the cashiers check this time for XXXX us dollars it was cleared in one day. Which bring me to today. Checked the app in the morning, check was cleared, went to citibank in XXXX florida and when i got to the teller i asked him for 3 cashiers checks so i could transfer money to my other 3 bank accounts and the 3rd small one for my brother to help him out. The first one was for XXXX for my brother and everything was cool. The second was for XXXX in my name for my XXXX XXXX  account and also everything was ok. The 2 cashiers checks were made and i had them in my hand. He was trying to do the 3rd one for XXXX to put in my name for my XXXX XXXX XXXX account and all of a sudden he said im sorry i have to call to get an ok for this one because its large. He made me wait 5 minutes, came back after 20 minutes and took the 2 chevks that were already made out if my hand and said im sorry were closing your account with no other information. I demanded a manager but they wouldn't send one out. This is a citigold account where theyre supposed to treat you better. They said call customer service to get answers. Now im not living in the states full time, i came specially to get this inheritance, i leave back to my country on monday ( 4 days ) now i dont have any access to my money with no warning and no answers. When i called customer service, same thing. No answer, ill get a letter in the mail in XXXX business days but i wont be here. And about the money ( XXXX ) i wont get itbfor up to XXXX business days. I wont be here. This is disgusting behavior. I did nothing fraudulent and have all the paperwork to prove everything. Even had the trustee call but no one will listen, no one will give any answers. Now im stuck with no access to my money or the money i had in the account before this check and no answers. How can they just do that with no warnings??? At least give me my funds so i can live. This is not a few buck and the cashiers check that i depsoited yesterday cleared. Now ill have to waste thousnads of dollars coming back whenever they do releaze the funds and take a loan in order to survive. Both of which i can not do. I have a business to run and am trying to build my credit. THIS IS SO MESSED UP. I NEED ANSWERS. CAN I TAKE A LAWYER???
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

Inquired with Exeter Finance on changing the due date for my auto loan I have with them. Spoke with a representative from their company via live chat directly from their website. 

I requested that the due date change from the XXXX of each month to the XXXX, which the agent said would work for my account as I was eligible for that. After the agent put the request through, the agent said it would take two business days to process.

I have waited longer than 2 business days and the due date still hasnt changed to the XXXX of each month. Which has caused the account to be 2 days late. 

Note on the website it says you are allowed to change the due date one time during the life of the loan.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

It has been almost XXXX months since we first asked SLS to initiate the process to have our existing prepaid PMI policy cancelled and proportionally refunded due to substantial energy efficiency improvements to the property. However, SLS has stalled at every step of the way even after us having to file XXXX other CFPB complaints ( number XXXX, and number XXXX ). They claim to have ordered a XXXX on XX/XX/2022 but it is now almost XXXX weeks later and they wrote back to us today saying the XXXX has not been fulfilled and did not provide any updates. Every month that SLS delays this process we are incurring unnecessary economic losses since the proportionate refund is reduced for every month that the policy is not cancelled. 

We separately upgraded the range; added a water softener; renovated the bathrooms by adding new faucets, towel holders, and toilets; painted the living room, bathroom, and kitchen with cleaner and more modern paints; replaced all ceiling fans ; and added smart switches. 

SLS first tried to gaslight us by saying we had no right to a proportionate refund, then promised to allow us to initiate the process to have PMI removed based on the updated value to the eighty-percent threshold and the significant improvements, including energy efficiency improvements. Now they are just sitting around with no progress being made even though they closed our previous CFPB complaint claiming they had rectified the issue.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting duplicate information. The following inquiries are duplicate : -XXXX XXXX XXXXXXXX XXXX XXXX XXXX  The only correct inquiry for this account is following : XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I recently looked on my consumers report and I see that account believed to be mine, which isn't, was opened using my identify with this company. I've never served in the military so I would never open a USAA account. please investigate and remove my info from your system, as it is damaging my good name .open date XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-05-06
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-09
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. (CT)

Im accordance with the fair credit reporting act, XXXX  account XXXX ( XXXX Bank ) and XXXX ( XXXX  ) has violated my right to privacy. 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A states : A consumer reporting agency can not furnish an account without my written instruction. 15USC 1666B states : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CLGF Holdco 1, LLC (TX)

A collection agent ( female ) identifying herself with XXXX XXXXXXXX XXXX  XXXX is calling on behalf of an Indigo CB for a debt that she claims I/we owe of {$25000.00}. She threatened to call the authorities and is using tactics that are below the belt ( " you and your wife are fraud and will be in prison for the rest of your life. '' ) Every-time I tried to pass my attorney 's information to her, she'd hang up. She'd purposefully not want to hear it. I did see that she was calling from a cell phone so I texted it to her instead, hoping she does get it. 

The numbers she's called me on are : XXXX and XXXX I've never heard of XXXX XXXXXXXX XXXX XXXXXXXX nor have I heard of Indigo. She asked me about our business- to which I answered it's been going slow, but I wasn't sure who she was at first. She excoriates the person who she's on the phone with. I understand collections is a tough job but she doesn't let anyone get a word in edgewise, doesn't answer my calls back, threatens to have the cops over today to arrest me, and yells on the phone. Beyond that, her remarks are beyond harassment, I've never been talked to with such offensive language used towards me in my life.
Consumer complaint received 2022-09-27
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: BARCLAYS BANK DELAWARE (CA)

I used a Barclays Bank Wyndham rewards credit card to stay at a XXXX hotel in XXXX, XXXX. I am supposed to get 5 points per dollar when using at a XXXX, but was only awarded 2 points per dollar. Barclays said the hotel is not a XXXX, which is incorrect, so we did a three way call with a Barclays supervisor and the hotel who confirmed that the property is a XXXX. She stated she would accelerate the issue and six weeks later I still have no response from them. The account number is XXXX The transaction date was XX/XX/2022. The transaction amount was {$670.00}.
Consumer complaint received 2022-12-09
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and 30 days late payments for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX