davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have tried now for nearly a year to get Experian to impute my personal statement on my credit file and they refuse to do so! I have also asked them to explain why they continue to report too many consumer finance company account and not tell me what this is and why its showing on my credit report. It NEVER showed before until AFTEr I paid off all my debt. All of a sudden. 

I have sent numerous letters requested my 100 word statement be inputted in my credit report and Experian simply sends me a report with a note that they don't understand my request. 

Its ridiculous! My note clearly states Here is my 100 word statement to be inserted in my file as written. I don't understand how hard that is to understand.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is the second time I have had this issue with Capital One. 

Capital One refuses to discuss my account with me when they know I am recording. Georgia and Federal law are one party consent ; therefore, I have the legal right to record any conversation, to which I am party, with or without the other person 's consent. Capital one refuses to discuss my account and disconnects the call. 

I offered to stop my recording, if they stopped theirs. I was told they would not halt their recording, but still would not speak to me if I was recording. 

In this instance, my wallet and cards were stolen. I reached out to Capital One immediately on or about XX/XX/XXXX. I informed them that my accounts were frozen by XXXX. They sent a new card quickly. Because the payment was due by XX/XX/XXXX they locked my card. My accounts were unfrozen at XXXX on XXXX XX/XX/2022 after receiving documents the evening before. I called merchants who make automatic charges to the card as instructed, but Capital One would not allow the charges. 

When I called to discuss, I reached an agent who refused to talk to me because I exercised my State and Federal right to do what they do and record the conversation. 

Capital One 's policies do no supersede Federal law and rights in any regard. Their training, policies, and procedures need to change to be in accordance with said laws.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to file a formal complaint regarding the mishandling of my American Express account, specifically my card ending in XXXX, for which I have maintained a credit limit of {$35000.00} for many years. On or around XX/XX/year>, the balance on my card was approximately {$14000.00}. However, upon logging into my account, I noticed that my " available credit '' had been reduced from {$21000.00} to XXXX  without any prior notification. 

I have contacted American Express multiple times over several days, but the only explanation I have received from your credit department is that I am " not paying enough, '' despite never having missed a payment and consistently paying on time, either meeting or exceeding the minimum payment. Please review recorded calls to verify these responses. When I asked why my minimum payment was not increased if American Express felt it was insufficient, I received no answer. When I inquired why I was not informed of a sudden increase in payment requirements, there was also no response. These actions are both unreasonable and unjustified. 

I was given two options to restore my credit limit : make a large payment of {$3500.00} by XX/XX/year>, or provide three months of my personal bank statements. These options were reiterated by several agents, including supervisors, and I have a written confirmation from American Express outlining these two choices. 

In compliance, I made two payments : {$370.00} on XX/XX/XXXX and {$3100.00} on XX/XX/XXXX, totaling the required {$3500.00}. I called American Express on XX/XX/XXXX to confirm the receipt of these payments and to inquire about when my credit limit would be restored. I was then informed that the restoration was pending until I submitted my personal bank statements, despite having chosen the payment option provided to me. The representative stated that I had been misinformed and must now appeal by sending in my bank statements, despite my having an email from American Express clearly stating that I had the option to make a payment instead. 

To summarize : 1. My credit limit was reduced without any reasonable cause or prior notice 2. This change was reported to credit bureaus, resulting in a XXXX drop in my credit score and significant reputational harm 3. American Express has failed to honor the agreement to restore my credit limit after the required payment was made 4. These actions have severely damaged my trust in American Express
Consumer complaint received 2022-06-30
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. (FL)

I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.
Consumer complaint received 2022-06-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans union Investigate the account XXXX XXXX its not mine. If you don't I will sure sue you. Your inproper tactics are Sickening. 



What's wrong with you?
Consumer complaint received 2020-05-12
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NJ)

The XXXX XXXX XXXX I own has been closed by the company due to being over the limit. I attempted to make a payment to satisfy the overage but they refused it. They stated the balance had to be paid in full. I expressed to them that I couldnt sue to economic hardship during our current conditions. Therefore, I agreed to pay the minimum of {$100.00} on its due date of XX/XX/XXXX. Unfortunately they didnt process the payment since my account was revoked internally. I received notification to make a payment, which prompted me to call them. It was explained to me that due to the revocation the payment couldnt be processed via ACH. A supervisor got involved, she then removed the revoked status to finally accept my new payment of {$200.00}. Lastly this payment went through successfully, however this company submitted a late payment on my credit. Today, I spoke with three individuals to get this fixed. Ultimately a customer relations supervisor named XXXX assisted and stated that she would call me back and I got no resolution or call back. They need to assume responsibility for this as I am working hard to pay them and repair my credit. I have no control over this company revoking my account and refusing payment. Its unfair to make a late report on my credit when they are responsible.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (OH)

I set up automatic payments with Ability Recovery Service ( XXXX ) that was to begin XX/XX/XXXX and {$50.00} XXXX payments were supposed to come out automatically. The company however decided to take the payments out on days that were not authorized. The first payment was taken out of my account on XX/XX/XXXX however, the next payment were taken out XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. When I called the company to inquiry why the payments were taken out on these dates and not the dates that were authorized, the representative called me a liar and begin to yell at me. when i asked to speak with a supervisor, the supervisor stated they will take the information and look into it but the issue at hand is repaying the debt and begin to pressure me to discuss repayment. The supervisor completely disregarded the issue and my complaint. I asked the company to stop all auto payments and submitted a complaint to the attorney general. By running payments on dates that were not authorized this company did not comply with the XXXX law nor did they care to fix the issue.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (AK)

I opened an account at Ally bank on XX/XX/2022, under the premise that it was an online bank, does not have a physical presence in my state, and would be receiving my debit card in the mail after my first direct deposit. I selected the debit card option during the sign up process. After selecting this option, the website displayed a message that informed me that the card would arrive within 5 business days of my first direct deposit. My first direct deposit of {$490.00} posted to the account on XX/XX/2022. By XX/XX/2022 I still had not received my debit card, and still had no access to my funds, so I contacted customer service through their mobile app. I was connected with an associate who identified themselves as " XXXX from Florida ''. When I explained the situation, they told me that the debit card had not been ordered during the sign-up process. I informed them that I absolutely selected the debit card option during sign-up, and that the mistake must be on their end. She informed me that I would have to order a card manually, which could take another 10 days to arrive, and they would not expedite it without charging me a {$15.00} fee.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Difficulty filing a dispute online with Trans Union they are repetitively reporting in accuracy is displayed on my credit reporting that needs to be fixed or removed immediately displayed
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Between XX/XX/XXXX and XX/XX/XXXX Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but she was not able to resolve the issue to my satisfaction.
Consumer complaint received 2022-06-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (CA)

on XXXX XXXX i has applyed for an loan of {$250.00} an they denial for any income discramatation that i believe and i also were still treat unfairly previously years doing on XXXX and today XXXX XXXX i has contact check'n go to confront to them about my complain and they not able to explained the reason at all
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I opened a capital One secured credit card to help build my credit. I have paid my payments on time and early since. I was informed my account was closed and after talking to five different people at capital one who couldnt tell me why a man got on the phone and told me that is was closed because of a past or present legal action against me. So Ofcourse I panicked thinking I had a legal action against me somewhere and almost had a nervous break down! After calling every court house anywhere I have ever been I find out that I have no past or present legal actions against me! I got the card to build my credit and now will have a bad mark on my credit because they closed my account for no reason!
Consumer complaint received 2020-05-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history Transunion show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (IN)

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY in the amount of {$300.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$630.00}. 

On XX/XX/2023, a fraudulent check without my signature was honored and money taken out of my account. Check was made out to XXXX XXXX  XXXX XXXX XXXX, XXXX, NY, XXXX, in the amount of {$650.00}.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (TX)

XX/XX/XXXX XXXX XXXX fraudulent charges totaling over {$1400.00} in minutes over night wrongfully utilized in XXXX XXXX XXXX I was not notified of suspicious transactions. I woke up to a push notification that I had less than {$20.00} in my account. Called card immediately, emailed the places in XXXX, report with police, report with sheriff dept, emailed internet crime complaint center ( XXXX ), faxed XXXX different dates, from XXXX to XXXX, to the card company, found out over a month later after getting different stories from different customer service representatives that I was getting a full refund on this date and then that date, I was getting the run around for 2 months My fraud case had been closed in early XXXX. I was never notified my fraud case was closed. My case was closed due to a partial refund from XXXX of the companies ( I think because all the transactions happened soo fast that XXXX company wasn't able to get the full amount out of my account ) I believe this was an inside job of this card company.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OR)

My XXXXXXXX XXXX XXXXXXXX XXXX XXXX card expired in XX/XX/21. I called the customer service line several times a day for a replacement card over the next week and waited on hold, with no answer for 30 minutes or more. I finally gave up and tried to close the account. Again I had to call customer service with no answer. Ive stopped using the XXXX account and switched to XXXX. Now the IRS has deposited money in the XXXX account and I cant access it. Ive been on hold several times with customer service throughout the day for 30 minutes or more and NO ANSWER!
Consumer complaint received 2022-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (NV)

The debt is disputed ( see attached letter sent ) and asked to not contact me again. Not only did Debt collector called again, she left voice mail lecturing me on how I need to pay this purported debt. Then she called again ( this time I saved an image of the call and voicemail to evidence the abusive practice - see attached ). 

Please help make this abusive behavior stop.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (ME)

XX/XX/2022 Purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2022 Attempted to set up and use the device. The message Sim card not detected was displayed and the device was unusable. When I contacted tech support I was told that this was a KNOWN ISSUE and that there was no fix for it yet, although they had been working on one. I had been knowingly sold a non-working device! I was offered more expensive hot spots for purchase. 
I immediately returned the device, and the return was received XX/XX/2022. 


I expected all charges to be cancelled, as per the Cancellation and Return policy in the agreement I signed with XXXX XXXX quoted below : Cancellation and Return Policy. You may cancel your Rate Plan by going back to the original point of purchase and returning all devices you acquired with your activation within 20 days from your activation date ( Cancellation Period ). 

I cancelled in 2 days. 

Received a bill/dunning notice from XXXX dated XX/XX/2022 for {$130.00} XX/XX/2022 Contacted XXXX  and spoke to XXXX or XXXX. Told that someone would call us on XX/XX/XXXX and that this charge would be taken care of. 

XX/XX/2022 Spoke to XXXX or XXXX and was told that a final statement on XX/XX/2022 should show no charges XX/XX/2022 Collection Agency Bill for {$78.00}. PAY OR LOSE MY GOOD CREDIT!!! 

XX/XX/2022 Spoke to XXXX at XXXX who was unable to help. Could not access my account, could not contact credit agency by telephone. 

XXXX attempted to contact the credit agency several times during their stated business hours and found them closed. 

XX/XX/2022 To protect my credit, I am paying this bill under protest, and at the same time I am filing a complaint with the US CFPB. 
Thank you,
Consumer complaint received 2022-06-24
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. (FL)

CFPB THIS IS NOT A DUPLICATE : XXXX XXXX XXXX XXXX, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second XXXX  dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! 

All persons mentioned can all be tied into XXXX A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of XXXX, TransUnion, XXXX XXXX activities the CEOs and CFOs of each company mentioned shall be held accountable.