davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Branch Messenger, Inc. (GA)

An ATM at XXXX XXXX XXXX XXXX, XXXX, GA XXXX shorted me {$20.00}. I asked the XXXX employees to call their technician to service it. I called XXXX I called XXXX I called branch and I called evolve trust and bank. No one would help me. I filed a dispute with branch, in violation of Regulation E, they would not credit my account for the amount in question which will result in either overdrafts or bills being paid late.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX has been inaccurately reporting information on my credit file. I have attempted to resolve these issues with XXXX XXXX XXXX directly, I have attempted numerous times with Transunion, XXXX and XXXX as well. XXXX XXXX XXXX refuses to provide me with proof of late payments. XXXX XXXX XXXX is now reporting an account that they stated they closed in XXXXXXXX XXXX XXXXXXXX  as " 30 Days Late '' across all three credit reporting bureaus.
Consumer complaint received 2024-01-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

To whom it may concern On XX/XX/XXXX i purchased a {$300.00} AMEX gift card from XXXX. Ending in XXXX. After calling to activate the card and check my balance. I attempted to use the gift card online that night to purchase a last minute XXXX gift. Tickets to a XXXX XXXX via the XXXX XXXX app. After repeated error messages. I gave up trying to use the Amex Gift online and attempted to use the Amex Gift Card at the gas station. After multiple attempts I was getting declined each time. Afterwards I check my balance. I have a available balance of {$290.00} with a XXXX XXXXt pending charge from XXXX. Which is still pending as of XX/XX/XXXX XXXXXXXX XXXX Est I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards. All they tell me is to try another merchant. ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund or send me a replacement card. Because they said I would have the same issue. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service. 

I have been unable to use this card for over a week. My money is inaccessible. All I want is the total balance on my card in cash/check or my funds accessible on a gift card. This whole process is extremely frustrating. 

Thank you for your help-
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

There is 3 accounts from a company called XXXX XXXX that was opened from my identity being compromised. I am requesting the XXXX accounts be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding unauthorized and unknown inquiries on my credit report. These inquiries appear to have been made without my knowledge or consent, and despite my efforts to resolve this matter directly with the credit bureau, my requests have not been honored. 
CREDITOR NAME : XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED I first discovered these unauthorized inquiries when I reviewed my credit report on [ XXXX XXXX XXXX XXXX XXXX XXXX ]. After noticing the unfamiliar inquiries, I promptly contacted the credit bureau in question on, requesting that they investigate the issue, remove the unauthorized inquiries, and provide documentation to explain the source of these pulls. 

Despite my written request, the credit bureau have failed to respond or address the issue within a reasonable time frame. I have made repeated attempts to resolve the matter directly with the bureau, but as of, I have not received a satisfactory response or resolution. Given that I have been unable to resolve this matter through direct communication with the credit bureau, I am now seeking assistance from the Consumer Financial Protection Bureau. I request that CFPB investigate the issue, ensure the unauthorized inquiries are removed from my credit report, and hold the credit bureau accountable for their failure to honor my request.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting my personal information to Transunion without my written permission violating my consumer rights as it states in US Code 1681 of the fair credit reporting act. 
In addition, XXXX XXXX XXXX continues to refuse to honor my request to freeze and delete my file. I have reached out to them on multiple occasions on XXXX XXXX XXXX XXXX through certified mail asking XXXX to freeze and delete my file sending me confirmation. All I got back was if I want to freeze and delete my file I need to contact Transunion. 
I do not want to freeze my account with Transunion. I want to FREEZE and DELETE my file with XXXX XXXX XXXX. 
To make matters worse I contacted Transunion and they do not seem like they care at all. I have gone over my communication with XXXX and their letters back and Transunion seems like they just want to make money off reporting my file whether it is lawful or not. 
They are not willing to contact XXXX and request that they freeze my account. All both parties want to do is continue to make money off my PRIVATE AND PERSONAL INFORMATION whether they brake the law or not!
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXXXXXX Account Dear Transunion Dispute Department , I am writing to formally dispute the inaccurate and inconsistent reporting of late payments for my XXXX XXXX XXXX  account on my Transunion credit report. As per my records and cross-reference with other credit reporting agencies, there are significant inaccuracies in how this account has been reported, specifically regarding late payment status in XX/XX/XXXX. Here are the account numbers reported on my report : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Transunion is currently showing XXXX late payments for XX/XX/XXXX, categorized as 90 days late but no prior 30- or 60 day prior late, which is both erroneous and inconsistent. To provide clarity : XXXX. XXXX reflects this account with an " XXXX '' status. 
XXXX. XXXX lists this account as 90 days late, but without prior XXXX or XXXX late designations. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure accurate and fair reporting of consumer information. It is my understanding that reporting a 90-day late status without any prior 30- or 60-day late notices violates Section 1681c of the FCRA, which requires that credit reporting be both accurate and updated with reasonable procedure. Reporting a 90-day delinquency without an accurate history implies misleading information, which may significantly and unfairly impact my creditworthiness. 
Additionally, the Fair Credit Billing Act ( FCBA ) offers protections to consumers from inaccurate reporting, especially when information fails to align consistently across credit bureaus. Since neither XXXX nor XXXX reports the same delinquency history, Transunions report is evidently erroneous. 
Therefore, I am formally requesting that Transunion : XXXX. Remove the inaccurate XXXX late payment entry for XX/XX/XXXX. 
XXXX. Reevaluate this account for full compliance with FCRA standards for accurate reporting. 
XXXX. Remove this account if it can not be accurately updated to reflect my true payment history. 
Please conduct a thorough reinvestigation, and provide me with written confirmation once this account has been corrected or removed. Enclosed are copies of how the inaccuracies shows on my credit reports from XXXX and TransUnion for your reference. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my report has been corrected or amended within the XXXX period required by law. 
Sincerely, XXXX XXXX XXXX ; XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have XXXX late payments on my credit report from capital one in the months of XXXX and XXXX of XXXX  and XXXX and XXXX of XXXX this information is incorrect and I would likeit to be removed please. I did a dispute several times and they mention that the score will be updated. still shows on my credit report to this day.
Consumer complaint received 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/2023 TransUnion XXXX XXXX  Credit Cards XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX Credit Cards XX/XX/2023 TransUnion XXXX XXXX Mortgage Companies - Credit Union XX/XX/2023 TransUnion XXXX XXXX Mortgage Companies - Credit Union 1XX/XX/2023 TransUnion I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/XXXX I got a letter telling me they sold my load to XXXX XXXX. I am trying to find out what going on and only thing they telling me that they just getting out the mortgage business. So I call around and find out that they are in a lawsuit. Well Fargo Owes Customers more than {$2.00} Billion. I did not know that Well Fargo entered into an agreement with the CFPB just before XXXX of XXXX. The settlement includes more than {$2.00} XXXX in reparations to customers who suffered financial losses and an additional {$1.00} XXXX that will go to the victims relief fund as part of the civil penalty. 

I feel I am part of this because for years I been asking question about why my mortgage yearly keep going up {$100.00} plus a year for more than XXXX years. 

Still no one have giving me an answer on why it more what I was told. 

I've been with Well Fargo for over 10-15 years and Now seeing paper work telling me they modifying my mortgage and changing my rate from a fixed to a adjustable rate. Never let me know or inform me of that...
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (TX)

I got an Aspire card, issued by the XXXX XXXX XXXX  in XXXX of XXXX. I have paid for credit protection for over XXXX  years, roughly XXXX  XXXX! XXXX. I lost my job in XXXX and filed a claim on XX/XX/XXXX. I submitted the requested documents through the mail. They never told me they didn't get them, so when I got another past due bill at the at the end of XXXX, I called them and was told they never recieved them. It would have been nice for them to tell me, but ok, I resent the paperwork electronically on XX/XX/XXXX. After hearing nothing again, I contacted them again. They told me the paperwork was not acceptable, because it was hand written. Again, this is after I chased them down. So I submitted additional documents that were official, from the XXXX  XXXX. In the meantime, they cancelled the credit protection plan because the bill was past due. I call Aspire, they say call XXXX XXXX. I call XXXX XXXX, they tell me call Aspire. I have paid approximately {$460.00} for nothing but stress and aggravation, and multiple calls, emails, and texts with demands for payment.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

I am writing to express my immense frustration and disappointment with the customer service provided by American Express in relation to my Hilton Honors Credit Card, which includes the XXXX XXXX benefit. I have encountered a critical technical issue with the registration of my XXXX XXXX, and despite opening four separate cases with Amex in the last five weeks, I have yet to receive a satisfactory resolution to this matter. The first case was initiated on XX/XX/XXXX ( case number XXXX and XXXX ), and I was initially told that it typically takes 7-10 days to resolve such issues. However, it has now been well over 5 weeks, and I have not received any updates or progress reports from Amex regarding the status of my case. This is not only unacceptable but also extremely inconvenient for me, as I rely on the benefits associated with my Hilton Honors Credit Card, including the XXXX XXXX. When I called Amex seeking assistance, I was met with further frustration. The customer service representatives could not provide me with a specific timeframe for when the issue would be resolved. I was simply told to wait, which is not an acceptable response, given the extended time it has taken to address my problem. Furthermore, there was no offer of any alternative solution or workaround to mitigate the inconvenience I am experiencing.
Consumer complaint received 2024-01-05
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

I made an online purchase on XX/XX/XXXX in the amount of {$730.00} item was delivered at the front door. I wasnt home when the package was delivered. I did get a email stating the package was delivered. The package was stolen off front porch. I notified the company that I didnt receive the package. I was asked to notify the XXXX carrier who delivered the package which I did to complete the investigation process. The carrier notified me a few days later he delivered the package at the front door. I than proceeded to call the Macys credit card dispute department asking if they can reship my package with a signature required. On XXXX XXXX And that was declined. So at this point I asked the company if I can file an another dispute on XXXX XXXX requesting a refund since the reshipment was denied. 
I was than getting letters in the mail stating the dispute was denied. And the investigation was taking 1 to 2 billing cycles so than I proceeded to reopen the dispute and i received yet another letter stating the dispute was denied I kept reopening this same transaction and filing the dispute ever time the company denied the dispute. All the way till XXXX XXXX I kept calling every week to get the status on the dispute and I was getting the run around and being on hold for hours just to wait for a super visor to say they will look in to this and see what they can do. They would pass me over and over to another agent I would be on hold for hours.just for this not to be resolved. and that the company made there final decision and the dispute is denied. That theres nothing the can do. I told over and over Im not going to be responsible for a purchase that i didnt receive.