davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (TX)

Hi, I recently had a theft incident where my gym bag was stolen and my credit card happened to be in my gym bag ; The person who stole my card used it to make multiple purchases. I complained and called Avant to make a fraud report ; they removed the transactions, but two weeks later, they added the total amount back to my balance without informing me of anything. They now ignore me and every one of their representatives transfers me to the fraudulent department, but no one ever helps me. This is very unprofessional. I would like the fraudulent transactions to be permanently removed from my account again. 

Thank you for your help : The people who work in the fraudulent department are very rude and unprofessional. 
Their address, XXXX, and contact information are below : Avant Credit Card XXXX XXXX XXXX XXXX XXXXXXXX Avant branded credit products are issued by : XXXX. 
Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX XXXX ) at XXXX XXXX  XXXX XXXX, CA XXXX for a validation of a debt I allegedly owe in the amount of {$670.00}. I received a response back from XXXX that did not provide me the with the information, I had requested from XXXX which is outlined in FDCPA 15 U.S.C 1692g. In addition to this there are other violations XXXX and Experian is committing. When I sent the notification of dispute to Experian and XXXX that account was " Not Marked as Dispute ''. This is required under 15 U.S.C 1692e ( 8 ) and 15 U.S.C 1681s-2 ( B ) ( 3 ). Also, from my understanding the Metro 2 is the agreed upon Industry Standard that supposedly provides a more accurate way of reporting to ensure the " Maximum possible accuracy ''. If this is the case, then why is XXXX XXXX Account XXXX redacted? XXXX. The way that this is being reported could be any of many numbers associated to any account, which could be a mixed and merge account of anyone. This account also, fails to report the Date of First Delinquency, Date of Last Payment, and Date Closed. This is not only incomplete and inaccurate reporting but an act of defamation. I'm providing documentation to help make it easy to see my complaint.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AR)

My American Express Bluebird card has not worked for more than 5 days now and when I call Amex and tell them, they act like there is nothing wrong! Their website has not been working for the same amount of time, no one can use their card for anything and hundreds of people are complaining about the same problems but Amex continues to tell all of us that nothing is wrong when it is VERY obvious that they are having some kind of a system failure right now and Amex just does not want to own up to it!
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (GA)

Apple Credit Card, using Goldman Sachs are asking for people to pay their debt and when the systems do not allow you to, they are directing you to a phone number that asks if you have been affected by Covid and want to delay payment press 1. If you want to continue, press 2.  Pressing 2 errors out and says the number isn't valid. I brought this to the attention of Goldman Sachs support person who would not address the issue. I was unable to pay with the card, because I had closed the account and deleted the app. In order to pay, the only option given was through the app or phone. Both systems down? This is not an accident, the largest tech company and one of the largest financial institutions are pushing people to claim clovid not to pay. This is FRAUD.
Consumer complaint received 2023-03-04
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/2022 XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NC)

Date - XX/XX/XXXX Claim number XXXX Debit card ending in XXXX Claim related to account ending in XXXX On XX/XX/XXXX at XXXX XXXX XXXX XXXX a charge of XXXX for ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) was made to my Chase debit card linked to my Chase checking account. This was a fraudulent charge and was reported to chase the next morning. Chase immediately reversed the charge and started their investigation into this. 

Upon completing their investigation, they found this charge to be valid and removed the amount of XXXX from my checking account. 

Chase told me that this debit card was added to a mobile wallet a few months back before the charge has been made and assumed that it was a legit charge. But I do not use any virtual/mobile wallets.

I have never used a debit card to make any online payments.This debit card was not saved to any online website or even had the details entered online anywhere. I only used this card 3-5 times to withdraw small amounts of cash from only Chase ATMs inside of the Chase bank. It never left the home other than those few times. I do not keep a debit card in my wallet on me.

I have not added this debit card in any mobile/virtual wallet as I do not use Debit card at all. 
Chase is unable to give me details of when this card was added to a mobile wallet or who added it. Since I do not have my own amazon prime, there are no records of this to prove that I did not make the charge. Amazon does not recognize the charge as they would need an account to pull up this information. This seems like a case of a BIN attack or some hackers cracking my debit card without it leaving the home or having the info entered online anywhere. It is absolute incompetence on the chase fraud team on having recognized a fraud charge as a legit transaction. 

Chase stole XXXX from my checking account and is refusing to revert those charges back. I have reopened the case 2 times and still they are not being helpful at all. The reps who I spoke with were not helpful either. They said they can not do anything about it as it is the fraud team who makes the decisions. I am not being transferred to their back end team who makes these decisions. 
I even went to the bank branch nearby and even the people at the bank were unable to help me with this. 

Chase should be held accountable for this. It is absolutely disgraceful on their end.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (GA)

midland funding is sending me all type of threaten letters .I have never signed an agreement with this company. they have filed a law suit against in XXXX XXXX XXXX. My information has been expose and I think this a violation of my rights.
Consumer complaint received 2022-04-26
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 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX Account numberXXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$540.00} Balance updated XX/XX/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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX # XXXX XXXX : {$3000.00}. 
Bought on XXXX Merchant : XXXX I ordered medical surgical disposable face masks. All medical masks have to have a filter layer per FDA who regulates the medical and dental supply. This person that sold us masks through XXXX  sent us masks that did not even have a filter layer in the middle of the masks. The masks were 2 layers of screen material. you could look right through the mask and see threw the other side. 
All the masks were sent back to the XXXX XXXX, return to sender via XXXX. XXXX Did a pick up on XX/XX/XXXX pick up # XXXX We could not use any of the masks as they were not even of any value at all. 
We sent pictures of the masks cut opened to show it had no filter layer and thereby would have infected a lot of people if they did not see these were fake masks. It is easy for even the XXXX  person out there in the public to see that this was not a real mask. We have asked the seller many of times to take them back. But they did not want to at first. then on XXXX they said we could return them make sure we listed 3rd floor on the return address. But we had them sent as return to sender which means XXXX will send them back to the address listed on the package as the return address at seller/shippers expense. Again we have already done just that. 
We have also had some luck with another dealer writing a letter for us stating these are not even face masks. But again Capitalone would not accept that. they try to come up with any excuse not to credit us back. 
the Buyers Guarantee from the XXXX  website and the sellers Shipping Guarantee is if it is late past the 15 days we can get a full refund. We ordered it on XXXX it was not delivered until XXXX. So even under the Guarantee we are entitled to a refund!! Capital one does everything they can not to issue a dispute for the merchant in these cases with XXXX. I Don't know why. But they are making the American Public lose confidence in the payment system and credit cards. 
We have Disputed this with Capitalone 3 times now with no Help at all. and this is a fraud case.!!!
Consumer complaint received 2022-12-19
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. (PA)

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Web bank/fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

In XXXX in the statements from : End XXXX, End XXXX, End XXXX, End XXXX and End XXXX The category Bonus on my Cash+ card from US Bank were not credited. 
On the statements at the Bonus Furniture + Utilities the amount is {$0.00}. 

Strangely the statement of End of XXXX is correct. 

Charges were from XXXX XXXX ( XXXX ) and XXXX XXXX. Both charges have been credited each month prior without any issue or missing amounts. 

I contacted US Bank via phone on XX/XX/XXXX, they said to look into it. 
I received a letter dating XX/XX/XXXX saying that nothing is wrong but I can fax any transactions details where I see missing rewards. 
I faxed on XX/XX/XXXX all 6 statements of Q3 and Q4, highlight what is missing and the amount. 

I received a letter XX/XX/XXXX stating that Q4 the bonus category wasn't selected. 

How can that be? I am pretty sure I did and on the statements it also shows this. 
That still doesn't explain why two statements in Q3 don't have it, but XXXX has it.
Consumer complaint received 2023-02-27
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$620.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-02
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. (PA)

As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (AL)

YOUR COMPLAINT Im filing this complaint against experian XXXX XXXX and XX/XX/XXXXcredit reporting agencies. All three bureaus. As I stated in my last complain. have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect outdated information on my credit report and about fraud .with letters via mail and hiring XXXX XXXX. Since XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. Dates are listed in this complaint. If you received letters please show the letters you received. Or else you have reporting wrong information to my credit report confirmed XX/XX/XXXX without my consent and not one of the creditors asked for that. I have been trying to and I have XXXX law that can verify that they sent you dispute letters, intervention letters escalating letters and alike. You havent responded to any of them. I will continue to file a complaint until you prove yourself with evidence. I can give all evidence to all attorney general office. The have paid sequence solution And they sent letters to update to all three bureaus that I have satisfied that debt. I have audio. XXXX XXXX has sent over a letter that I do not owe that debt. You failed to prove otherwise. Its a easy matter. You will one way or another. Whether to a judge and to attorney general office. You will be responsible for my legal fees
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I recently obtained a copy of my credit report and found items that were incorrect such as addresses : only address should be XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. All 3 credit scores on XXXX, XXXX, And XXXX and all different and not updated. I also have accounts that are also false. I am requesting all these items be removed, updated or Other suggested change to correct the information. Please investigate this matter and ( delete or correct ) all false items and problems. Thankyou so much
Consumer complaint received 2023-01-29
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: PENNYMAC LOAN SERVICES, LLC. (GA)

So, I financed my mortgage with your company which means there should be no late payments reported on my consumer credit report, all charges are within the amount I originally financed.