davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: JPMORGAN CHASE & CO. (WA)

I've two free night certificates in my account expired on XX/XX/XXXX. Each certificate is worth up to XXXX points. Per Mariott 's covid-19 policy https : //marriott-re-2019ncovc.com/ about Free Night Award ( FNA ) : Members who currently have an active Free Night Award ( FNA ) expiring in XXXX as part of their credit card benefit, annual choice benefit, promotions or travel package will be able to use it through XX/XX/XXXX, so my two certificates would be extended to XX/XX/XXXX, but they failed to get extended and expired them XX/XX/XXXX. 

Due to the pandemic, travel is highly restricted and I've not a chance to use the two certificates. I tried to contact Mariott customer service on XX/XX/XXXX to extend them, they asked me to wait for 10 days and to call back. On XX/XX/XXXX, after 11 days, I reached out them and they asked me to wait again. This is totally not acceptible. My night cerntificates were about to expire at that time and limited time was left to get the problem resolved, and it seems they don't want to get my problem resolved. Really disappointing. 

I understand that my two certificates got extended once on XXXX and set a new expiration date to XX/XX/XXXX, but due to the pandemic I've no chance to use them and Marriott publicly announced they would extend the active free night award expiring in XXXX to XX/XX/XXXX. In the policy, it never mentions this is conditional and needs the night award has never been extended before it's qualified to get extended. If a free night award doesn't qualified for an extension, please clearly mention that in the policy to avoid any inconvenience to the customers. No, they never mention that! This is totally cheating behavior and shows no customer care. 

To real disappointments, after I refered to their COVID-19 rule in https : //marriott-re-2019ncovc.com/. They quietly retired that website soon and redirected it to the other pages. This cheating behavior caused lots of trouble to the customers to actually find helps from Marriott due to the pandemic. 

I tried many times back and forth asking for my rights, they later simply issued a so-called good-will XXXX points, which are only 1/4 of the two certificates ' value. This is totally not acceptible!! 

Later I resorted to XXXX for help, but Mariott simply asked me to wait again 3 to 5 days. On XX/XX/XXXX, right one day after my certificates expired, they replied that they still refused to extend the certificates! Back and forth, I asked for my rights in XXXX. They finally declined to do that without any official rules or conditions that could support their decision. 

I resorted to their customer service on XXXX  on XX/XX/XXXX again. They simply sent me away with no real help! My issue has been over 2 months without any solution as I proposed. Hereby, I ask for help from our CFPB to investigate my case and asks Marriott to offer a real solution that respects their COVID-19 policy and the customers!
Consumer complaint received 2022-07-22
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-21
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. (PA)

As submitted previously, I submitted a document asking for the method of verification and you claimed it was " too vague '', so i will provide all the report numbers for your reference to provide the method of verification according to the FCRA. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX In accordance to 15 USC 1692 ( g ), I am asking again for the method of verification with sepecific previously disputed account dispute numbers from your website. I will also attach a file for your reference, as to each dispute. 

In addition, there are a few location data points and inaccurate reporting of my name : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, Pa. XXXX XXXX address do not belong to be and because your duty is to provide accurate reporting, I am also asking for the method of verification of these items to allow them to be reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These in addition are not my name. I ask verbally over the phone for them to be removed and i was told they couldn't be. So I also and seeking the method of verification for these. 

Pursuant to 15 USC 1681 ( b ) ( a ) ( 1 ) Where is the court order or written consent from the consumer to furnish this information. 

Also, I provided my ID which is sufficent and reasonable to identify. I don't feel comfortable providing more personal information for review without you providing my written consent to have my personal information to verify from.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting inaccurate information on my credit report and refuses to verify these accounts with the alleged creditors. I mailed TransUnion a letter on XX/XX/2020, disputing an account by the name of XXXX XXXX XXXX on my credit file. TransUnion received this letter on XX/XX/2020 and hasnt responded to the letter or completed and investigation within 30 days, which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). The letter was sent to TransUnion via certified mail with the United States Postal Service and requires a signature for release, I have attached a screenshot of the tracking information from USPS dated XX/XX/2020 showing that this letter was received on XX/XX/2020. I have also attached the letter dated XX/XX/2020. It is XX/XX/2020 and I still havent received anything pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately. TransUnion has violated multiple federal laws and continue to report negative information on my file, I believe theyre in violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-22
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-16
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. (TX)

have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND XXXX DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT
Consumer complaint received 2024-12-02
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I am writing to formally dispute the inaccurate information being reported on my consumer file, which constitutes a clear violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, and other applicable laws.

Under 15 U.S.C. 1681a, 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 public confidence, which is essential to the continued functioning of the banking system. The inaccuracies present in my consumer report directly violate 15 U.S.C. 1681s-2, which prohibits the furnishing of information with actual knowledge of errors. The information being reported undermines the integrity of the banking system and harms my financial standing. As such, I demand the following actions be taken : I am formally requesting that your organization cease and desist all communications regarding this matter, including through the medium of my consumer reports. My account details are as follows : Account Holder Name : XXXXXXXX XXXX XXXXXXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, XXXX, OH XXXX RTN/Account Number : XXXX / XXXX Any continued communication or reporting of inaccurate information will be deemed a violation under the FCRA and the FDCPA and will result in civil action against your organization. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies to enforce my rights in pursuance of 15 U.S.C. 1692k and 15 U.S.C. 1681n. This includes filing formal complaints with the CFPB, the FTC, and potentially seeking damages through litigation.

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to resolve this matter.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I am writing in reference to a Citibanks credit card ( Citicards ). There was a fraudulent charge made in the predecessor card ending in XXXX which was closed upon my call to report this charge. My card was used fraudulently in XXXX. The charge disputed is : Merchant : XXXX XXXX Amount : {$10000.00} ( Euros XXXX ) Date : XX/XX/2018 After calling Citicards numerous times over several months after I discovered the charge and asking to reach out to the merchant and request proof that I made the charge, my case was denied and closed. My credit card was later on closed as well. Citicards claims they reached to the merchant, but never provided any details of that, nor a clear explanation of what information they received from the merchant. 

I reached to the merchant and was provided with a sales invoice showing the charge disputed. The invoice apparently was issued in connection with a purchase in XXXX at an auction house made by an individual with an address in XXXX, who I dont know. The merchant also indicated they typically ask for identification before allowing individuals to participate on their auctions, but I was not provided with any other information or identification that may be in their possession. As such, the merchant must have verified the identity of this individual, which clearly shows it was not me who originated the charge. 

In light of the above, I request that you get involved and ask them to credit back the amount fraudulently charged to my credit card. Please feel free to reach out to me with any questions. 

Regards, XXXX XXXX
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX company in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020 they are still reporting inaccurately.
Consumer complaint received 2020-10-07
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. (MN)

This information has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of  the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2022-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC. (AL)

I have sent several letters to the company to verify debt and they will not send anything to me to verify today is the XXXX day since I sent the first letter. I have always had two insurances, that is why I am asking verification.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Discover card is horrible they said that I was randomly picked for verification and I sent in and signed everything they needed through XXXX  and XXXX  sent me an email confirming that everything was done and accepted. Discover still didnt fix my issue with my card so I called and was told that it takes some time but I could upload three months of back statements and it would speed up the verification. This is all crazy because I had already had the card for several months and made payments before due dates because I very particular about my credit score. I think Discover is a scam on these secured cards where you are trying to build your credit. Total scam
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

I opened a secured credit card account with Wells Fargo Card Services on XX/XX/2015. The account was closed and paid in full on XX/XX/XXXX I made all payments on time. I received a refund for the secured deposit but the account was showing as paid in full after charge off and sent to collections. The account was never a charge off and it was never in collections. It was paid in full and I received a refund. I have disputed it several times and they have not corrected the status. I would like it to be corrected.
Consumer complaint received 2020-11-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All of my XXXX XXXX  accounts went into LATE payment due to an issue with autopay with the bank and XXXX XXXX. Before I left for XXXX, I made sure AutoPay was on. I'm not sure what happened but my Autopay did not go through. So for two months, My accounts were not paid. I had a friend to call XXXX XXXX  to fix the issue once I realize all my accounts were late. I called comenity bank and told them the bank said it was an issue. I had many returned checks because of this. XXXX XXXX said it was the bank fault and not theirs. 

I asked XXXX XXXX  to please remove the late fee 's since we see it was an error and I was away on XXXX XXXX.
Consumer complaint received 2020-10-06
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. (NV)

Dear Officer, I have been a loyal customer with Wayfair for the past three years or so. During the First year, Wayfair changed twice their business relationship with Credit Card Company that managed their  account. On XX/XX/2020, I received another communication thru XXXX XXXX  that managed Wayfair Consumer Accounts indicating that their business relationship with Wayfair has ended without any confirmation from Wayfair Corporate Office stating what happened to their loyal customers that have been affected with this closure. I am very upset of the way Wayfair treated their customers in this regards. Wayfair damaged my credit profile by closing my account without any reasons or explanation. When applying for Wayfair credit card, a hard inquiry is placed into the credit profile that lower for short period of time the credit score. So, I am extremely frustrated with mismanaging my account and  distroying the line of credit that I established for a long time with this particular Online Store. Government authority should investigate the legality of this issue since several consumers as I am are experiencing this flip flop with their financial institution and how they conduct the business without informing their clients or staff members. I can add that I have been surprised that even their staff member were not informed until our account were terminated without sending any internal memos  advising their staff that the relationship with XXXX XXXX  had been terminated and without any compensation since they damaged million consumers account credit profile. Investigation of this magnitude should be investigated. Wayfair should be out of business and reported to the Media and others government entities not trustworthy.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to Capital One auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information
Consumer complaint received 2020-10-07
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. (AZ)

I have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}