davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, 2018, I applied for the American Express Gold credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service on XX/XX/2018 XXXX - they confirmed I was on track to receive the bonus and gave me an offer progress number : XXXX. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse ''. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market. 

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually not eligible after they have met the requirements. I don't know if Amex is  doing this on purpose. If they are, it looks 100 % fraud to me. 

American Express posted on their website for the Amex Gold credit card : " Earn XXXX Membership Rewards Points '' and " Receive 20 % back as a statement credit, up to {$100.00} per Card account, on dining purchases at U.S. restaurants for the first three months of your Gold Card membership ''.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank (OH)

First Progress is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!
Consumer complaint received 2023-08-23
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. (SC)

I DO NOT HAVE TO BE SPECIFIC AT ALL WHEN YOU HAVE DOCUMENTATION THAT I SENT CERTIFIED MAIL. YOU WILL BE SUED. REMOVE ALL NEGATIVE INFORMATION SUCH AS FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX AND ALL INQUIRIES ( ALL INQUIRIES ) OFF OF MY REPORT! EQUIFAX YOU ARE STILL IN VIOLATION OF BREAKING THE LAW. 

EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! 

I NOW WILL BE GETTING THE ATTORNEY 'S GENERAL, THE XXXX XXXX XXXX, LOCAL AND NATIONAL TELEVISION STATIONS INVOLVED!
Consumer complaint received 2023-08-11
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. (MO)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (HI)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Unauthorized charges 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 TOTAL- {$660.00} Currency Conversion/Cross Border Fees included. This company has a record of the full amounts as I do. Sent my dispute They closed the case. Too many inconsistancies. I live on XXXX. Using my card, I'm required to use my pin. I faxed all my disputed charges to XXXX XXXX. XXXX was my person handling my dispute. When calling she did not exist. Yet she was the person who closed the case
Consumer complaint received 2023-08-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

Subject : Dispute and Request for Investigation of Inaccurate Collection Account Reporting - Account Number : XXXX To Whom It May Concerns, I am writing to formally dispute and request an investigation into the inaccurate reporting of a collection account from XXXX XXXXXXXX, bearing the account number XXXX. I have observed a significant discrepancy in the reported dates of last activity for this account across the three major credit reporting agencies : XXXX, XXXX, and Equifax. The conflicting dates are as follows : XXXX : Reported last activity date - XXXX XXXX : Reported last activity date - XXXX  Equifax : Reported last activity date - XXXX  These inconsistent dates have raised serious concerns about the accuracy of the information being reported on my credit reports. In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to ensure that the information presented accurately reflects my credit history and financial standing. 

I kindly request a thorough investigation into the collection account associated with the account number XXXX, specifically focusing on the reported dates of last activity. I am eager to understand how such varying dates were obtained and computed. The information reported by the credit bureaus significantly impacts my creditworthiness and overall financial well-being, and it is imperative that it is consistent and reliable. 

Enclosed with this letter, you will find copies of relevant documentation that provide substantial evidence supporting my claim of inaccurate reporting. I believe that a comprehensive examination of these materials will confirm the existence of discrepancies that require immediate resolution. 

I respectfully request that you conduct the investigation within the mandated 30-day period as stipulated by the FCRA. Furthermore, I kindly ask that you communicate the results of the investigation to me in writing. Should the investigation affirm the presence of inaccurate reporting, I expect the erroneous information to be promptly rectified or expunged from my credit reports, as per the provisions of the law. 

I am deeply committed to maintaining precise credit information and appreciate your assistance in upholding the integrity of my credit reports. Please do not hesitate to reach out to me via email or phone if you require any additional information or clarification regarding this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

My mom and I ordered food through XXXX XXXX, I accidentally used my card instead of hers and took my money AND hers. I requested a refund MULTIPLE times and they just keep throwing me in circles. They keep denying my dispute the day after I open them so they don't even try to solve it. I have plenty of proof it was paid for by my mom 's account. I've attached screenshots of everything, the screenshot of the XXXX XXXX receipt shows I was allegedly refunded {$6.00} and change, which never happened as well. The amount shows different for my mom 's account because she tipped the driver and I did not.
Consumer complaint received 2023-08-13
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. (WI)

Beginning in XXXX of XXXX I was notified that my credit card had not been reporting on my Transunion credit report since XXXX. Upon calling TransUnion they have identified that the account is " suppressed '' but will not do anything to re-insert that account which is active and in good standing. I have been working with my XXXX XXXX branch to fix it. However, XXXX XXXX has sent multiple re-insertion requests to Transunion, which Transunion states they never received. I was given paper proof that they sent re-insertion requests to trans union with the dates they were sent. When I contacted Trans Union recently and re-explained the situation I was given the same line they have been giving me for the last year, " XXXX XXXX needs to report the card '' and then promptly hung up on. I reached one person at TransUnion who stated all I had to do was mail Transunion the " proof '' that XXXX XXXX had sent me with the dates and amount of times the re-insertion requests were sent by my bank. When I did this however I was sent a letter by Trans Union stating " they can not verify that it was me that sent these documents and will not take action until they can verify it is me. '' Only to find when I called back to verify the information was in fact coming from me i was met with " we can not tell you what you need to add to to the documents to get this fixed there should be a rep at XXXX XXXX who can call a sales rep at Transunion that would know the correct process. '' No info was given, and complaints have been ignored by TransUnion since XX/XX/XXXX. This error in their reporting has cost me multiple thousands of dollars worth of credit opportunities and is preventing me from applying for mortgages, car loans, or anything to improve quality of life. I was forced to pay XXXX cash for a vehicle because the Transunion credit report was used against me in multiple vehicle loan attempts.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (NY)

I have sent several investigations to Equifax regarding inaccurate information on my credit file which they have not corrected as of yet, according to the law 15 US code 1681ia. The listed items are inaccurate and I am requesting all of the information to be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XX/XX/XXXX XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/23. Someone stole my wallet and phone out of my car and was able to access my wells fargo debit card to make purchases and atm transactions. My social security card and debit card other identity items were in my wallet, my pin is the last XXXX of my social so they were able to guess my pin number, they also had access to my phone and was able to approve transactions and get in my wells fargo account in the app, I have a tital of XXXX charges including atm transactions totaling XXXX, I have yet to receive any credit or money back from wells fargo as of XX/XX/23
Consumer complaint received 2019-01-03
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 (MA)

I purchased a camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a Capital One credit card through XXXX on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called Capital One, and they recommended that I open a dispute claim through XXXX, and I did. On XX/XX/XXXX, XXXX informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I  would have to pay for return shipping and may be eligible for reimbursement. When I called XXXX and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with Capital One, which I did. Capital One opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XX/XX/XXXX to early XX/XX/XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both XXXX and Capital One are refusing to give me a refund. Capital One claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. XXXX refuses to do anything without notification from Capital One that the dispute is resolved, and Capital One refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise.
Consumer complaint received 2018-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (ME)

I have historically found XXXX to be very unresponsive to any questions i've had about my loan and found their interest rates to be excessively high, so in XXXX of 2018 I refinanced my student loan with another servicer. The balance on my account was paid off, and yet on XX/XX/2018, XXXX continued to autodebit my monthly payment of {$180.00}. My XXXX account currently shows a negative balance of {$180.00} ( yes, {$9.00} more than what my autodebit charge was ). I sent them a message asking how and when they would refund me this negative balance and to confirm that the auto payments would be discontinued. Because my account is paid off, I don't have access to all the normal features on my online account ( for instance, i can't see my payment history to confirm when the balance was paid off and became negative, and I can't access the autopay settings to confirm whether it's still active ). I have messaged them twice and not received any responses other than some automatic email responses with some " FAQs '' ; the auto response didn't even say that someone would respond within 24 hours. It has been almost a week and I have not received any formal human response or confirmation from XXXX. I have spent an inordinate amount of time trying to get in touch with them and find it impossible to get a human response ( I shouldn't have to spend hours on the phone during my work hours trying to fix their mistake ). I just want my money back and to make sure that they never try and access another cent from me.
Consumer complaint received 2023-08-13
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. (PA)

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX has volated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (VA)

Duplicate reporting on all XXXX credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. Equifax, XXXX, XXXX are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.
Consumer complaint received 2023-08-11
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Consumer complaint received 2023-08-13
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)

under federal law 15 U.S.C 1681 section 602 A I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish info on my accounts without my written instructions. 

XXXX Equifax XXXX All 3 of these reporting agencies have posted on there sites about a XXXX XXXX XXXX that I have not given written permission to do so and are violating my federal right to privacy and I would like that report removed.
Consumer complaint received 2023-08-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.