davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

AMERICAN EXPRESS continues to violate my consumer rights while I continue to attempt communication through mail and emails. Pursuant 15 U.S.C1691 ( a ) ~~ Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter. I have submitted multiple applications to AMERICAN EXPRESS and have been denied open-ended credit plan on each occasion due to discrimination against me for exercising my rights in good faith under ECOA ( Reg. B ), FCRA ( Reg. V ), and FDCPA ( Reg. F ) against previous Debt Collectors. My dealing with any debt collector or company reporting on a consumer report is PROTECTED and can not be used to discriminate against me. I have right dispute inaccuracies and unfair practices related to credit reporting and collecting. I have a right to maintain the security and privacy my non-public information. I have attempted to find remedy with AMERICAN EXPRESS for the discrimination against a consumer exercising their rights. No response has been received. I seek compensation and penalties placed against AMERICAN EXPRESS for each violation of willful non-compliance. AMERICAN EXPRESS has offered no benefit at all. I am a creditworthy consumer and seek immediate remedy to discrimination and access to the accounts. 
XX/XX/ Ref : XXXX XXXX XXXX XXXX Ref : XXXX XXXX XXXX XXXX Ref : XXXX It is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action, which includes denying credit, offering less favorable terms than applied for, or even closing an existing account, against a consumer. These adverse action letters attached are both proof and evidence of that discrimination, AMERICAN EXPRESS should be held civil and criminally liable. I seek immediate compensation for the use of my securities, otherwise this would be considered fraud. I have received NO BENEFIT for the application.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing to dispute four inquiries on my Equifax credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 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 XXXX XXXX XXXX I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Equifax take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Equifax credit report.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TransUnion I noticed that my credit score dropped. I checked my credit report and noticed multiple inquires on my credit report. I authorized a few of them but some of them I did not authorized. I read the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

I have also sent a letter to the furnisher asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 

Help please.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NY)

My XX/XX/XXXX statement closed and Discover offers 5 % cashback for spend on XXXX. I spent {$100.00} on XXXX but they only credited me {$4.00} shorting me {$0.00}. I tried to rectify with customer service twice but each time they would not adjust it. Its pretty simple math that 5 % of {$100.00} is {$5.00}.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IL)

I had a Robinhood spending account but Robinhood closed my account their reason was because of reversals even though I had the money in my bank, they wont let me transfer money out of my spending and I have a pending transaction of {$75.00} that I didnt use for gas they said I would have my XXXX thats in my spending on XX/XX/XXXX it is now XX/XX/XXXX XXXX
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

i received a check from someone to repay a loan that i gave them. i deposited the check into my account only to have the bank tell me that the check was no good, i did not know that the check was no good but since that time they have since put my account in a credits only status and wont let me hae access to any funds in my account even though the check has since charged back and no other fees or withdrawal will be coming back from the check. they arent allowing me access to funds that are desperately needed to pay my rent, car, and mounting medical bills and putting me at risk of losing my house, car, and life as i can not pay the necessary medical bills i need to keep my continued treatment at home and have been told that my medical treatment is going to stop if not paid soon.the money i my account has nothing to do with the returned check and there is no reason to block me from accerssing funds in my accoint. this is affecting every aspect of my life at the moment and the disregard for my abilty to pay for anything is criminal please have this resolved immediately because this is unacceptable..
Consumer complaint received 2023-12-06
Product: Credit reporting 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. (NC)

I submitted a dispute letter to Equifax regarding the existence of these un approved inquires listed on my consumer report and i haven't heard anything back from Equifax. 
Also attached with my letter is the FTC report for the inquires 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
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX is my name and I am a victim of Identity theft. I have been reaching out to these companies since XX/XX/2023 stating that these are not my unknown inaccurate accounts but they have been ignoring my letters. By Law these companies are not to report anything on my behalf without my written consent and that they are to investigate to make sure that the information reported is 100 % accurate. Each company is reporting something different on each account, which is a violation of the FCRA. These companies continue to violate my consumer rights and is negatively tarnishing my name. I have experienced XXXX XXXX, financial hardships, and embarrassment due to this inaccurate unknow information reporting on my credit report. I am not being treated fairly and I want these companies held accountable for breaking the law!!!!
Consumer complaint received 2017-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (VA)

On XXXX XXXX 2017, I went to BB & T at XXXX XXXX XXXX XXXX drive thru. My intent was to simply cash a check and to make a cash deposit into my checking account. The original teller asked what did I need help with and she was given the above request. She walked off and another teller named XXXX came to the Window. She took the  check and cash and make a deposit. When she gave me a receipt, I reiterated that I wanted to cash the check and only deposit the cash. She apologized and stayed she would void the transaction and re-do it. After this was done, she finally have me the cash from the check and she said other the money had been deposited as it originally should have. I drive off and continue on with my day. I check my account a few hours later to find out my account was overdrawn the actual amount I made the deposit for. I called the bank manager XXXX who stated she would call the operations manager and have my money reinstated to my account by end of business day. End of business day comes and I did not hear from XXXX nor any one from BB & T. As the consumer I was extremely upset because I had employees to pay which did not get paid and also accumulated late fees on bills that 's were due that day. BbandT finally refunded the money but was short {$100.00} of the original cash that was given to the teller and it also did not include the overdraft fees. I had to call XXXX back once again who said she would fix the problem. The overdraft fees finally were refunded but still missing the full amount originally deposited. I went into the branch and spoke with XXXX branch manager who could not clearly explain what happened to the rest of my refunded money. She referred me to operations manager who also did not refund the money. I also asked that the cameras be pulled and and interview with the teller that created this disaster. Still nothing and they refuse to refund the missing money. I will never recommend or bank with the financial institute ever again and I will not stop making complaints until my money is refunded!
Consumer complaint received 2017-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

As a consumer I know my rights when it comes to inaccurate information on my credit reports. Transunion has added multiple inquires on my report in the past months that I did authorize. I have placed fraud alerts on my accounts and security freezes just to prevent this on going issue from happening again. I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX aswell as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

XXXX XXXX from XXXX XXXX, XXXX + Finance Nfcu/visa Inquiry from XXXX XXXX, XXXX + Finance Discover Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive Landmark Cu- Inquiry from XXXX XXXX, XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from Apr XXXX, XXXX + Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX
Consumer complaint received 2018-04-27
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: SYNCHRONY FINANCIAL (MO)

The credit card company refused to fix an issue with fraudulent transactions on my card. I don't have internet excess as it tied up to XXXX account which I don't have anymore.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (CT)

A contact this company to open a investigation for contract discrepancies over charge after that complaint they offer me a reduction a dont accept and they report a payment on XX/XX/2020 never happened report last day of payment report different payment history balance payment history in XXXX and XXXX a dispute and they validating and keeping like correct damaging my credit score violating my right If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX 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 2023-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC (MO)

Oliphant posted a collection for acct XXXX XXXXXXXX without sending me the legally required notice as per the fair debt collection act. I filed a XXXX complaint and Oliphant 's response was to contact them. When I contacted them, they were unable to validate the debt. I called the original credit XXXX XXXXXXXX XXXX myself and I was advised that company was acquired by XXXX and they had no record of me buying anything from then. Despite this, Oliphant said if I paid the debt, they would DELETE the collection account. On a recorded line, they verbalized these terms DELETION of the collection account and these were the payment terms I agreed to those terms. Several weeks later, Oliphant simply updated the collection as a PAID collection owing a {$0.00} balance. I called Oliphant and spoke with a manager named XXXX and I told her these were not the payment terms I agreed to and to check the recording. XXXX advised that the collection would be deleted eventually, but that I had to wait until the end of XXXX for processing. It is now XX/XX/XXXX. The collection has not been deleted as per my agreement. Oliphant is in breach of their agreement. I have contacted Oliphant several times. My number must be on alert with them because the line either automatically disconnects or I am just left on hold. On Friday XX/XX/XXXX I was told XXXX would be calling me back, but she never called me back. Again, Oliphant is in breach of their payment agreement to DELETE/REMOVE the collection that they could never properly validate in the first place. I request IMMEDIATE deletion of the collection or Oliphant can review my recorded call and refund me my payment as they are in BREACH of the payment agreement.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I left an apartment and landlord XXXX XXXX is trying to get me to pay for painting and exc.as we found out while we were there that when we leave they will sue us for doing upkeep that a landlord should do after each tenant we lived there for 4 or 5 years anyway I have never had a judgement against me in this matter never seen a courtroom this is a landlord dispute that I refuse to pay.They tried to make us pay before and didn't succeed we had a lawer that handled the case so they dropped it .So we payed what rent we owed and left .then like 4 or so months go by and I'm getting a letter from a different collection agency I told them what happened and told them I'll see you in court.This is what they do if you look at court records on people that leave there always gets sued for renovation cost.I refuse so I haven't herd anything then I see a derogatory on my report from them.This was NOT a loan or credit card. No judgment against me so they are trying to collect for this another way so they don't have to see a courtroom this is bogus Please help me.Thank you XXXX XXXX
Consumer complaint received 2023-12-06
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NJ)

I bought XXXX Amex gift cards and they don't seem to work anywhere online. I have called them so many times and they keep telling me that I can not get a refund so I have XXXX cards that have my money on them that I can not use anywhere I want to use them at. I bought the first card in early XXXX and I bought the second one on XX/XX/2023. I just want my money back since I can't use the cards where I want to use them. I never had these issues before using their cards but I guess they changed or something because now I can't use their cards anywhere online.