davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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: AMERICAN EXPRESS COMPANY (FL)

I filed a claim with Amex on XX/XX/2022. I found that someone had setup up something called " Send and Split '' with my account, charged my credit card and then set up two fraudulent payments to my XXXX XXXX Checking Account, one for {$200.00} and another for {$740.00}, and then used something titled " Amex Send : Add Money '' to transfer {$1000.00} out of the Amex account. I called Amex, they reset my account password and " opened a claim ''. I asked specifically if this was going to halt the two fraudulent payment attempts for processing and was told that everything from those transactions were stopped. I logged into my XXXX XXXX account today, XX/XX/2022, to see that the two amounts, {$200.00} and {$740.00}, had still been processed to my XXXX XXXX Checking account and were now pending. I attempted to log in to my Amex app and was locked out. I called Amex and was able to reset the account but after spending nearly two and a half hours being transferred back and forth from department to department, verifying my identity every time, explaining the situation every time, and being told they would have to transfer me again and could not assist with the fraudulent payments every time. I asked to speak with managers or someone in charge repeatedly and they just transferred me to and from another department instead. I was told fraudulent payments were different from fraudulent charges, one person said they would not be able to address the payments until the charges were resolved, which could take up to 30 days. Another person couldn't seem to find any notes or filings related to my initial complaint report in regards to the payments or therefore halting them. I asked repeatedly to be transferred to whomever had the ability to reverse the fraudulent payments and put the money back in my checking account. After becoming so frustrated to the point of tears, I hung up and called my bank instead. I still do not have a clear resolution ( or my money back ) as XXXX XXXX says it will take up to 48 hours for them to look into. No one at Amex seems to know what they were doing or even who would actually be able to assist ( I question at this point if that person even exists with in their company ).
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$860.00}. 
XXXX  Secured loan with account # XXXX and a balance of {$0.00}
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked them for proof XXXX  months ago and they never responded my mail or email 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 2024-10-24
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: Experian Information Solutions Inc. (NC)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. 
I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NJ)

I noticed that there was an interest payment on my American Express credit card for the last few months. I have been making payments but I was never notified of the running balance. American Express never notified me by email or sent me a statement that I was only paying the minimum payment. 

On all other credit cards, I always pay the statement balance. I am not sure how it is possible American Express is only taking the minimum payment.
Consumer complaint received 2024-10-15
Product: Prepaid card — Gift card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: SYNCHRONY FINANCIAL (VA)

Lowe 's Appliance Rebate program denied my application. I received a generic rejection message weeks after my application submission saying " We are unable to process your request at this time because your request did not meet the following requirement ( s ) of Lowe 's Appliance Installation Rebate : eligible appliance and Lowe 's Basic Installation. '' However the application was filled out with the help of the sales associate at the XXXXXXXX XXXX  Lowe 's location. There shouldn't be any errors or eligibility issues with the application. The whole reason the appliance was purchased was for the rebate program. 
Here is the timeline of the events : XX/XX/year> : Application submitted for review XX/XX/year> : Application rejection email XX/XX/year> : Asked for a clarification on the rejection message but no response as of XX/XX/year> XX/XX/year> : called support on XXXX. After being on hold for approximately XXXX hour, no one picked up. 

Case number : XXXX
Consumer complaint received 2022-09-13
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. (DE)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (CA)

I see items on my credit report that I dont recognize, which leads me to believe my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report as quickly as possible. Their presence is causing me significant stress and misrepresents my true credit history and financial responsibility. If we cant resolve this issue, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies on my credit report are severely impacting my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this matter soon.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MS)

My new Citi credit card has declined charges numerous times. When I get Citi to fix the problem, it quickly recurs, preventing me from making charges on the card. I opened the card in response to a promotional offer that requires me to spend {$4000.00} in 3 months. Because of the bank 's frequent charge declines, it appears I may not be able to spend the required amount to receive the bonus they promised in the credit car contract. 

This is the only bank that consistently gives me this problem. I have credit cards with XXXX XXXX, XXXX, and other banks. They do not give me any problems like this.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I signed a guarantor statement when my daughter and son-in-law obtained a lease for a home in XXXX XXXX, Iowa XXXX XXXX XXXX XXXX XXXX. My daughter was told during the second year that my guarantor agreement was being canceled due to their prompt payment. My name did not appear on the lease on either year. When they moved out the landlord provided them a list of damages that totaled {$1300.00} more than what their security deposit showed. That was done within the 30 days required under Iowa law. But my credit report was hit because the amount was not paid. When I inquired, I was told the total owed above the security deposit had now risen to {$3900.00}, and that I was liable. Again, I don't think I owe the money, but I don't agree that a landlord can continue tacking on additional charges over a long period of time without the tenant having recourse. My daughter is taking them to XXXX XXXX XXXX. The Iowa Attorney General referred me to an Iowa agency called XXXX, who recommended Small Claims. Again, I am seeking to have my Excellent credit rating restored, and I am seeking redress against this exploitive landlord.
Consumer complaint received 2023-07-06
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (WA)

On XX/XX/XXXX I applied for a home mortgage through my lender, XXXX for a new home sale. 

On XX/XX/XXXX, I was called by XXXX XXXX, an IT Director of a company called XXXX XXXX XXXX XXXX, XXXX  ), telling me they had purchased my data through Transunion and my full name, birthday, social security number, credit score and address had been breached. One of their employees texted out a spreadsheet with this info and I was 1 of 34 people on it. I asked XXXX more questions- how XXXX is related to XXXX and who the excel was sent to and he could not confirm either. He insisted I needed to freeze my credit and sign up for identify protection. He also told me that he had emailed me and texted me, neither of which I ever received. It sounded like a scam, but a week later, I received a XXXXXXXX XXXX  package at my mailing address confirming this information and offering an identify protection program I had never heard of. I am now paying for an independent identity protection program myself. I am horrified that this stranger and their company does indeed have my home mailing address and knowledge of applying for a mortgage loan. 

The original person who contacted me identified themself as : XXXX XXXX with the following contact information. 
XXXX XXXX XXXX XXXX I have uploaded the letter I was XXXX XXXX. The person who signed the letter was named XXXX XXXX. XXXX 's voicemail is not setup, and I can not get through to her after two weeks of trying. XXXX still answers the phone, with no information, and although is the " Director of IT '' - he can not seem to get me through to XXXX. I told XXXX last week that I am going to contact the FTC and file a police report and he told me it " wasn't fair '' though he can provide no information or solutions. Something very off is happening at this company, or someone is impersonating this company. 

Since receiving the letter, I have not been able to get a hold of anyone at XXXX XXXX or any of their sub companies XXXX XXXX XXXX XXXX, XXXX  ) by contacting the numbers in the letter or the general company customer service numbers from XXXX. I have left numerous voicemails and XXXX reviews but no one will return my call. I think this company needs to be shut down for malpractice. This is absolutely unacceptable.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 n 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 XXXX 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2024-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (GA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.I have already made efforts to resolve these issues with them directly. They are violating my rights, and I am entitled to {$1000.00} for each violation mentioned. They need to either compensate me or delete these accounts immediately.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$6400.00} - XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-27
Product: Credit reporting 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)

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # 39 ; s need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # 39 ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I found an account on my consumer report. I have no knowledge of this account. This is a clear violation of FCRA section 1681c & my consumer rights. I filed an Incident Report my local Law enforcement agency. I've been a victim of identity theft & the account reference is. 

XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

This is to bring to your attention the fact that I have a Chase Sapphire Preferred card with the following information : Name on Card : XXXX XXXX, Card No. : XXXX, XXXX XXXX : XXXXWithin a few weeks of issuing the card, my card was discontinued or canceled by the Chase bank without providing me with any valid reason. 
Meanwhile, using the same card, I did purchase an international flight ticket with XXXX XXXX. - Amount Charged : INR XXXX, Date of purchase- XXXX XX/XX/2021. But due to the pandemic, the flight got canceled, and the airline issued a refund on the same card, i.e., the one mentioned above. Ref : Email from XXXX XXXX I tried to reach CHASE, but they were unable to pull my account from the system or were ready to help. I tried to fax them but received no reply to my complains, call them, and reach XXXX XXXX, but all efforts failed. 
With no options left and after fighting for over a year, I am reaching out to the agency to kindly assist me. 
I am attaching 1. Email from XXXX XXXX : Confirming the refund 2. Image of my credit card 3. Itinerary showing the card used for purchase. 

looking forward to prompting action. I am unable to provide exact transaction details as I dont have access to this card account. 
Kindly let me know if you need any additional Information. 
Regards, XXXX XXXX XXXX XXXX XXXX