davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I received an email from American Express ( AMEX Bonvoy ) with a partner offerIf I signed up for an annual membership with Clear they would credit me back the {$170.00} annual fee if I used my Bonvoy card. 

I opened up the annual membership on XX/XX/XXXX and then sat back and waited for AMEX to credit me back the {$170.00}, but after five weeks and an entire billing cycle had lapsed, I contacted them on XX/XX/XXXX. 

I opened a ticket and explained I followed the steps in the email but they closed the ticket and never sent me a notification of the cancellation. 

I called again today and after speaking with the department that handles " unfulfilled offers '' they told me that because I did not " add the offer to my card through my online account '' they could not credit me back the {$170.00}. I escalated it to a supervisor and told him the large type in the middle of the email said nothing about adding the offer to my card first, but he rebutted with " well, it's in the small print terms and conditions '' at the bottom of the email so those are the terms they stand by. 

Bottom line I have no recourse through that department. I called back to the regular customer service and demanded they give me a service credit for the inconvenience, and, shockingly, even after being escalated again, they did not grant that as well. 

I've been a member of AMEX since XXXX and have had 3-4 cards with them. Shame on them.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management Services LLC on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 

1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted your company numerous times to get this issue resolved. 
Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT.

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction.

Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law.

Have these two accounts removed immediately from my credit reports. 
Account # XXXX - {$1000.00} & Account # XXXX - {$590.00}
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (DE)

On XX/XX/2021 BBVA locked my acct without reason. I was told conflicting information as to why my acct was locked. I emailed paperwork as they requested. ( 3x ) I have left messages for the investigator, XXXX XXXX 3 to be exact she has never returned my call. I spoke with a rep XXXX XXXX she gave me her direct email address to send info. I never heard back from her. Every time I call reps are not helpful. The call either drops or they transfer you without telling you. They have the worst customer service. To date my acct has been locked since XXXX. I received a letter stating they are investigating my acct and it will take 10 days. That was on the XXXX of XXXX. No one has contacted me regarding the outcome. And when I call reps just say I need to speak to fraud dept because they have no info to give me. Meanwhile the bank is holding my money hostage. This is illegal bad business practices. I need help. These banks are bullying people. And non one seems to be able to help. I can't pay my bills. I'd like my money and to close my account with this bank. I tried to get some resolution today and again I was transfered to another rep by the name of XXXX who I was told was the back up person to the rep handling my acct. He too did not answer the line and I was prompted to leave yet another message. Why is my acct still locked?? Why is no one returning my calls? .. Why did the letter I received said it will only take 10 days?? This is unfair!! The are holding {$13000.00} with no explanations. They never reached out to the loan company to verify.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

During the years 2020. I went on XXXX and XXXX and promoted myself as a XXXX XXXX trying to inspire, motivate, and encourage anyone who watches the information and entertainment of my videos, to wear masks and social distance during the peak of covid-19. 

When I utilized XXXX, the most controversial thing was to be bold enough to run in the president election as XXXX. During that year, I was on the least amount of funds such as many other people. I had a smart phone and tripod and alot of courage to present myself as transparent. 

I had alot of negative criticism, from many I know and some I didn't, yet the perseverance of trying to make my mark as well as a difference. Lead to ; much good in my community. 

My identity theft level went sky rocketing and from a highest fico score of XXXX In one year dropped to XXXX. I am in dire need of a consideration from the credit bureau of the United States, ask how even with late fees? How can it drop so low? Is it a average adjustment due to the lack of employment. 

I worked so hard to keep XXXX XXXX score in a ok or good place. 

Please help me, by looking into my fico score as see the major issues as serious. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2021, my checking account with Capital One 360 was compromised as my debit card information was stolen by a thief using the XXXX XXXX. I notified Capital One right away. They said there was nothing they could do because the three transactions were still pending. Someone wiped out all my money from my account except for {$1.00}. I had received an alert from Capital One and I told them I DID NOT AUTHORIZE THESE TRANSACTIONS. They suggested I contact XXXX XXXX, which I did. I sent two emails to XXXX XXXX with a copy of what they had taken out from my bank. I told them this was fraud and I want this individual prosecuted. XXXX XXXX knows who this money was going to. 
I called Capital One 360 today and they said there was nothing they could do until these transactions post. XXXX from XXXX XXXX Never got back to me after I gave them all this information. 
I am a senior and I have no money now for food or gas. Something needs to be done NOW. I have copies to send you as documentation of this theft.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My bankruptcy 10 years back was taken out by XXXX  and my scores updated. But XXXX  and Transunion is still jealously holding on to it. When I reported the issue to XXXX and Transunion, only Transunion took that public record out - but did not update the score at all!! And XXXX  did nothing on it!! 

This is preposterous. These people are holding on to our personal info and then making private profit off of it. I have no idea how this is constitutional, but this is definitely not ethical.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX Data BreachXXXX Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (GA)

The collection is not from the original creditor. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices for over {$2000.00} the collection is reported as past due. I do not know this company. I have never done business with this company. This company does not have my contract signature.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, four times, Chase Bank would not let me make a funds transfer and locked my account. I called their Electronic Money Movement Team four times, each time they told me the issue has been resolved and the transfer would go through. But it still got rejected and my account locked, four times, all without any notification or explanation from Chase. A service rep named XXXX said I had to go to a local branch to verify account ownership in person. I did that, was told once again it has been resolved, but it still got rejected and my account locked.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1700.00}
Consumer complaint received 2021-10-31
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. (VA)

This ongoing complaint targeting all three Credit Reporting Agencies is my final attempt to force them to cease their bad Faith Actions prior to my securing Counsel and seeking to file a civil suit and seek permission for a Class Action Suit, as there are many others with the same issues. 

It is my understanding that the underlying motivation of all three is self enriching and for the enriching of their " member companies '' I have made multiple complaints for years that they have all consistently participated in a pattern and practice of ignoring disputes, failing to properly investigate and correct dispute and inaccurate Information and intentionally provide false Information so that their " member companies '' can charge higher interest rates due to the credit scores and Information provided by their reports. 

My complaints have not been addressed or corrected at all as of the writing of this complaint. 

I have made multiple complaints to the CFPB recently. They have all been ignored.

I demand the following : 1. ). To be sent accurate, corrected and updated paper reports from all three agencies, as well as electronic access immediately.

2. ). To have my personal Information ( Address history specifically ) restricted from the reports they share due to significant personal safety issues related to my Actions keeping a Congressman safe, pursuant to a Commonwealth of VA Court Order, which they all have.

3. ). To have all agencies comply with the policies of dropping negative items after set time periods have passed and to actually investigate complaints submitted by consumer instead of merely stating that their " member companies '' denied them and recuse to correct the complaints.

4. ). To Add significant creditor Payment histories from companies that do not pay them to report, ( as the companies demand ePayment in order to List credit histories from creditors. I have provided certified, notarized payment histories of greater than $ XXXX that they all refuse to include in my reports, to make my history look less significant, again to enrich themselves and their " member companies '' Further, I am furious with TransUnion, who literally told me that they will not perform their manadated actions because they felt I was, " Attempting to hide from or avoid Financial responsibility '' Theese Actions are reprehensible, especially in a time when the Government Administration is taking actions to attempt to defend it's citizens from such abuses. 

I risked my life for my country. I am permenantly XXXX due to service to the public. I demand better treatment than the intentionally punitive, bad Faith actions of XXXX ; XXXX and especially Trans Union in retaliation for my merely demanding the proper treatment they are in place to provide.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy  being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with TransUnion, XXXX and XXXX  on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record.

Attached you will find written communication with review to assist with a permanent deletion.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (CA)

My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with XXXX XXXX XXXX. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a replacement card for my Visa card which doesnt expire until 2015 and it was a MasterCard not a Visa. 
I called Capital One on XX/XX/XXXX and was told I needed to close my Visa account because I havent been using it at stores where Capital One makes money. I said I need Visa in order to shop at XXXX. The man repeated his statement. 
I have not activated the unsolicited card and I have continued to use my Visa card and will continue to do so until it expires. Thank you, XXXX XXXX
Consumer complaint received 2021-07-12
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: AES/PHEAA (CA)

I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the Fedloan Servicing and the XXXX the issue was not resolved.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (WA)

I had a credit card with this company that I ALWAYS PAID ON TIME and I paid it completely off at least once and made huge payments on a monthly basis. I'm a XXXX and my income was impacted by Covid ; I communicated those struggles to Amex and was eventually was offered to enroll in a Hardship program. I enrolled and have been current ever since. However my credit report is reflecting 30 days late for 4 months ( XXXX, XXXX, XXXX & XX/XX/XXXX ). My credit score was in the high 700 's and now I'm in the low 600 's. I've called Amex numerous times asking for help but received rude, poor customer service and no help. I've disputed with the credit agencies multiple times and have had little to now change. It would be nice to have them removed but at this point, I'm simply asking for the 30 days late to be changed to ND ( national disaster ) so my score isn't negatively impacted. I've attached a copy of my XXXX  payment history below for your review. Please help! 


Account Name : AMERICAN EXPRESS Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Status : Open. 

OK+ Show 2 more years Payment history guide 30 days past due as of XX/XX/XXXX to XX/XX/XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-07-12
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: SYNCHRONY FINANCIAL (KS)

This complaint is against Synchrony Bank. My spouse XXXX  on XX/XX/XXXX. Approximately XX/XX/XXXX I called to advise them of my husband 's XXXX  and they informed me the account would be closed as I was not the primary cardholder, but I could reapply. Due to a Social Security error, I was also reported dead. I had reapplied under my own name and the card was issued. I had made one purchase prior to the new card account being closed also. The card was rejected at a XXXX XXXX in XXXX OK on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX told me I could reapply but they could not reopen the account. This WAS the card I had reapplied for. After 3 hours on hold ( XXXX through XXXX ) and seven transfers I was told there was absolutely nothing they could do to reopen the account, but I could reapply a second time. They also couldn't say if a new account was protected from closure.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I was in the Equifax leak is what I have been told among many other leaks. My info is all over the XXXX XXXX. Since XX/XX/2019, I have had severe problems with all of my accounts, phone numbers, and emails being stolen. Not once, but continuously- it is still happening. 
Becasue of this I can not fight the situations or find a job because I am being attacked and my communications taken away. 

I know who the culprit is and I have proof, but the police refuse to do anything or even look at the proof. 

I have called and gone online several times to get my credit report and file a freeze but they require a phone number which I do not have because they are consistently stolen form me. If I buy a new one, the sim card would stop working that day or next day, I am being stalked and though not completely ure why they follow me to the store so I think they keep track of how much I spend or else are somehow ripping me off. 

Our bank cut us off and doesn't want to do business anymore, but refuse to explain why and say the matter is closed and they will never tell usm, but we have so much money stolen and we need it back. 

It is an impossible situation and noone will help me ...