davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (SC)

I recently made efforts to pay off my credit card in good faith that American Express would process my payment respectfully. On XXXX XXXX in sent a little over $ XXXX to American Express using their app to pay off the balance. 
On XXXX XXXX, when my typical auto pay was scheduled, they charged me another $ XXXX. The representative didn't provide answers for how it occurred, but I heard her muttering something about the automatic schedule. My typical automatic payment was between {$100.00} and {$200.00}. I never changed my automatic payment amount, so there is not justifiable reason that they would have accidentally charged me that second $ XXXX. My bank charged me an overdraft fee of {$25.00}, and relocated money from my savings to send American Express. I was punished for the actions and errors of American Express. This practice is clearly intentional, as an incidental duplicate withdrawal would have been of the same value as the previous month. 

This reminded me, that previously, years ago, the same thing happened. I have been a member for 7 years. American Express is not being held accountable for it's own conduct, nor is it taking responsibility for their flawed system. If I removed $ XXXX from their accounts there would be an arrest warrant out with my name on it. This institution is taking advantage of its account holders. 

Though they will return my money to me in XXXX to XXXX business days, that comes too little too late. I have lost my faith in this institution and I will share my experience today with all the XXXX XXXX XXXX XXXX XXXX and all of our shared friends.
Consumer complaint received 2022-07-15
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: EQUIFAX, 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 XXXX 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 XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

On XXXX XXXX, 2021 I received XXXX XXXX Payment for my son minor child XXXX XXXX I have and account with Chime Bank third party banking for XXXX XXXX  the told me that they never received the funds from Social Security, I was told to contact XXXX XXXX when I did the inform me that the fund was send out and accepted by this Bank I then called the Bank they still told me that they did not have these fund Social security contacted the US Dept of Treasury which they said the funds was send and accepted by Chime Bank. When I called chime back I ask for verification that they did not received these fund and can they send me an email they stated that they can not send me this stated because they do not send out emails they have been emailing me all day. I also inform them that I have vbeen recording the conversation. So yes I have a video of the conversation.
Consumer complaint received 2021-02-24
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: M&T BANK CORPORATION (OK)

Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.
Consumer complaint received 2021-09-07
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-08
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: EQUIFAX, INC. (MD)

Greetings, I feel there's some unfair business going on with all three credit bureaus. I have being fighting for an investigation of my entire credit report for over 8 months now without a resolution. Only a decrease in my credit score about 5 times with 14 accounts in good standing. This is unfair and I am seeking a through investigation. Something isn't right ... .The calculations are wrong and unfair. This situation is causing major distress in my life, delays, and XXXX. The fact that my voice isn't being heard is even more mind babbling. I've contact all three bureaus and all they want to do is argue with you and refuse to help you even if you're stressing your rights by the fair credit acts. They do not care and it's unfair. I reached out to a credit specialist and they explained to me that I have 14 accounts in good standing and 5 accounts that's closed and reporting old information. The bureaus will not delete these accounts nor give me credit for the 14 current accounts in good standing, so my score stayed in the 500 's. I would like an investigation please. My score dropped 74pts in a week and it already dropped a week before that. A collection was deleted then placed back on my credit report ... .This is totally UNFAIR!!!!
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/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 Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX & XX/XX/XXXX XXXX
Consumer complaint received 2022-08-20
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I get paid once a week. My card was lost, so on MondayXX/XX/XXXX I called to replace it and ask bank if america to XXXX XXXX my check as I have no cash for the last week. This was around XXXX XXXX XXXX they advised in a new disclosure it could take 24 hours. It's now XXXX XXXX XXXX XXXX XXXX at the bank will help me I have reviewed no wire. Since XXXXy I have called and called to ask why it hasn't been wired, I have held for hours on dead lines. I need my pay to feed my family. I need help the bank refuses to send it allow me to get my check even tho I explained it's an emergency.
Consumer complaint received 2022-08-15
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CO)

I returned the cable equipment to XXXX that I am now being charged for. I have contacted XXXX and gave them my receipt number and I have tried to dispute the charge through XXXX. I have now been turned over to the collection agency, Waypoint, even though I returned all the equipment and have a receipt. When I talked to XXXX they told me everything is good now because I have returned the equipment and have a receipt. The amount the collection agency is claiming I owe is {$570.00}. I have my receipt, that is dated XX/XX/22 with receipt number of XXXX for the return of video equipment with the serial and model numbers of : Serial number XXXX Model number XXXX Serial number XXXX model number XXXX  and Serial number XXXX model number XXXX
Consumer complaint received 2022-05-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

On XX/XX/2022 I received an alert from my XXXX credit monitoring that there had been a hard inquiry to my credit file made by Oportun but I have never used or even heard of a loan business called Oportun. I spoke with XXXX about the inquiry and they put a fraud alert on my credit report. I then spoke with Oportun and they found the personal loan application and they said that the personal loan application was cancelled due to client being unable to provide proof of ID. Oportun said their fraud department would be in contact with me and they were sending me a package of documents that they need me to look over and some to fill out. They said it would take up to 10 days to get those documents. That is where I am at right now.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-20
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is still reporting a property that I have NEVER lived at or owned at any point of my life. I need this off of my credit report. I KNOW for a fact it is FRAUD. XXXX XXXX XXXX XXXX. XXXX, NY XXXX On there since XX/XX/XXXX. My current address since XXXX and only address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. I NEED THIS REMOVED PLEASE. I've sent several letters about this issue and it is STILL on my report. PLEASE HELP. There ae other things on my report as well.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (CA)

XXXX ACCT XXXX XXXX {$10000.00}, XXXX XXXX ACCT # XXXX {$3800.00}, XXXX XXXXXXXX XXXX ACCT XXXX XXXX {$8900.00}, XXXXXXXX XXXX XXXX ACCT XXXX XXXX {$8300.00}, XXXX XXXX XXXX ACCT # XXXX-XXX {$9200.00}. ADDRESSES NEVER LIVED AT ADDRESSES : XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (IN)

Hello. I had a hard credit check on XX/XX/22 and I did not know why. Instinctively, I didn't want to assume fraud/incompetence as maybe it was legitimate and I had forgotten why it would have occurred. After consideration, I could not think of a reason why it had been pulled, so I challenged it through Equifax the same day. I got back a response that basically made it look legitimate. I tried calling the bank this morning that originated the hard inquiry, and I got nowhere after being transferred multiple times and having a very difficult time understanding the person on the other end of the phone. I explained to the lady that I wish to understand if 1 ) this was fraud, 2 ) this was done in error, or 3 ) if this was legitimate and I can not recall the context. By the end of the call she just kept the call running ; didn't hang up but no longer was on the call. I kept the call running long enough to find out that I should now go to the CFPB with this issue, explained that to her ( who presumably was still on the call somewhere... ), and then hung up.
Consumer complaint received 2020-10-04
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: EQUIFAX, INC. (WA)

I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX XXXXXXXX cards are reporting to my Equifax. However, both are reporting to both XXXX And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One has been insubordinate during the entire dispute process for case number : XXXX. They have provided misinformation multiple times during the process, lied about what was needed to inform the customer of the dispute and are allowing a vendor, XXXX, to get away with scamming a customer with fraudulent services. On XXXX XXXX, 2022, XXXX with dispute customer services was insubordinate in meeting customer requests to speak with a manager multiple times. He refused to explain the incorrect information provided in letters from Capital One explaining why everything had been done as requested by Capital One to prove the outcome of the case. He refused to close the account. 

The item was purchased on XX/XX/XXXX, and posted on the XXXX, 2022. This has all been discussed in less than 60 days.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: North American Asset Services, LLC (NY)

I received a call for a " complaint '' for a former sister-in-law ( 20 years ago ) which said " she now had " notice of the complaint '' and to call the lawyer handling the matter at ( XXXX ) XXXX. I called the number left, gave the complaint number and said that I was not the person they were trying to reach, that there was no notice and asked why they were calling me? The receptionist could not answer but said she would remove my number. I asked to talk to a supervisor, and when the supervisor got on the phone, I asked why they had called my number. He denied that anyone called me under his employment, he claimed that he could not control " third parties '' from calling me. He told me I was speaking too fast and should " let him finish ''. I repeatedly asked why they had called me and that the number left was for his company. Ultimately, as he got nasty, I asked if that was the way he did business/talked to people and he indicated it was the way he talked to " women like me ''. I asked what that meant and he said I was not " acting like a lady ''. I said I didn't know that there were specific rules for women, and I would be filing a complaint. He told me to ask my former sister-in-law why they were calling me, " how about that ''. I never got an answer as to why I was being called. He asked if I was " done '' and I said no, that he was a misogyinist and I would be filing a complaint with the FTC. He asked if I wanted a recording, and unfortunately I said no, but he said that they would replaying the tape in his office and laughing at me all afternoon and to get off his line. He claimed his name was XXXX XXXX
Consumer complaint received 2022-07-29
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. (TX)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (IL)

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$27000.00} ;