davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

Dear Department of Consumer Protection, I am writing to bring to your attention an issue that I have experienced with American Express. Recently, I received a merchant offer from American Express that promised a certain benefit if I made a purchase at a XXXXXXXX XXXX wine. Specifically, {$50.00} credit when making a purchase over {$100.00}. However, when I attempted to redeem this offer, I was informed that my purchase didn't qualify. I verified through my XXXX history that I did go to the right website. Furthermore, I recorded my transaction and discovered when attempting to pay for the transaction, the website diverts you away from the Amex sponsored page. I contacted customer service attempting to show proof that I was compliant with the terms and conditions. I was told my concern was escalated but after several calls on my status I was told that there is no foreseeable resolution time. 

This is a clear case of fraud on the part of American Express. By sending out an offer and then not honoring it, they have misled me and potentially many other consumers. I believe that this is a violation of consumer protection laws and that American Express should be held accountable for their actions. 

Furthermore, The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in commerce, including false or misleading advertising. If American Express made a false or misleading offer, they may have violated this act. 

2. The Uniform Deceptive Trade Practices Act ( UDTPA ) is a model act that has been adopted by many states. It prohibits deceptive trade practices, including false advertising. If American Express 's offer was deceptive, they may have violated this act. 

3. In the case of Federal Trade Commission XXXX XXXX XXXX XXXX XXXX , 67 F. Supp. 3d 1303 ( N.D. Ga. 2014 ), the court held that a company 's failure to honor a promotional offer was a deceptive act or practice under the Federal Trade Commission Act. 

4. In the case of In re : XXXX XXXXXXXX Marketing and Sales Practices Litigation, 953 F. Supp. 2d 907 ( E.D. Va. 2013 ), the court held that a company 's failure to honor a promotional offer was a breach of contract and a violation of state consumer protection laws. 

Based on these legal precedents and codes, it seems clear that American Express may have committed fraud by sending out a merchant offer and then not honoring it. I hope this information is helpful. 

I would appreciate your assistance in resolving this matter. I believe that American Express should be required to honor the offer that they sent out, or to provide compensation to those who were affected by their fraudulent behavior. I also believe that American Express should be required to take steps to prevent this type of behavior from happening in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-11
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. (GA)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FOR : 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
Consumer complaint received 2023-05-11
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. (CA)

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 XXXXXXXX : 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 2023-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

My information was stolen and was used for XXXX XXXX cards and synchrony bank care car accounts and care accounts and now when I contacted each of them they werent able to provide me correct information on how my information was used or proof used to sign up for accounts
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been working on my XXXX credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and there is XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2023-05-11
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. (TX)

All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX XXXX  has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is 9 years old.
Consumer complaint received 2023-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

My mortgage company sent me a letter saying that I am late on my payments I am on automatic payments they are suppose to take out XXXX on the XXXX of the month and the XXXX XXXX of the month they have been taking out XXXX and XXXX sense XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to XX/XX/XXXX I feel this is an error on there part and I should not have to paid late fees and extra charges
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed from my credit reports.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Several Metro 2 non compliance issues found. 
XXXX account : XXXX Opened : XX/XX/2012 Payment history inaccuracies. 

XXXX XXXX Opened : XX/XX/2012 Payment history inaccuracies When I find inaccurate information, I'm aloud to have it corrected OR deleted. 
I want these accounts deleted/removed from my credit reports.
Consumer complaint received 2023-05-11
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. (NC)

Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.
Consumer complaint received 2023-05-11
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. (WI)

Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from XXXX, XXXX. Even one of them ask for verification that its me when i sent my information of verification. Equifax, sent information but all they continue to tell me is that its verified without any information that i asked for
Consumer complaint received 2023-05-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 

15 U.S.C. 1681 section602 A. Clearly states that 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 an 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-ended consumer plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2024-09-18
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: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (MI)

I had been receiving multiple calls and letters from National Credit Systems from their representative XXXX XXXX XXXX regarding a debt I do not recognize at all. I could see from the letters that it was for the amount of {$340.00} originally due to XXXX XXXX, a company whom I also don't recognize. Apparently, according to the letters sent to me, this debt was due XX/XX/XXXX but it doesn't say what for, and until I got a call from collections, I never got a notice from anyone saying I owe them anything, they just let this debt go straight to collections and purposefully effect my consumers report. At first I ignored them because I was just annoyed, but then I saw they hit my credit report and never gave me fair notice, so I looked into how I can learn more about this debt. After searching online I came across several samples of a debt verification letter that I could send to them, and with that I could request a cease and desist for 30 days while I wait for verification. I included all the details I needed to in my letter - dated and sent XX/XX/XXXX. It is now XX/XX/XXXX and the same rep has attempted to call three times now, first on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and earlier today at XXXX ) leaving a voicemail stating they are attempting to collect. I have yet to receive any verification and I don't want this effecting my credit anymore, I need something done about this.
Consumer complaint received 2023-05-11
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. (FL)

Credit plus is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully ; p ] '/loobtaining my TransUnion consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my XXXX request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in noncompliance.

Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Please remove all non-account holding inquiries over 30 days old Please add a Promotional Suppression to my credit file Please remove all accounts that are not Metro 2 Compliance
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KS)

Note : Some of the preceding questions on CFPB online application to submit a complaint are not specific enough so I just answered them to be able to move forward to this page ... ..This second complaint is a follow up to the first complaint that I already received a response from the mortgage company. 

Dear Compliance and or Mortgage servicing department of Shellpoint mortgage : I have attempted to call SPOC twice and left my information however nobody has returned my call after waiting over a weeks time even though the voice prompter circle of futility says someone will call back within " 24-48 hours ''.

My question is very simple if someone can confirm and respond back to me IN WRITING. 

If I were to resume regular monthly mortgage payments starting in XX/XX/2020 ( which  will be after the 90 day forbearance period ) will : 1 ) Will my payment be the same as before which is {$2200.00} give or take? 

2 ) What happens to the 90 days of forbearance amounts from XXXX, XXXX and XXXX? Are they just added to back-end of loan? If so, please state this in your written return response to me at email address :
Consumer complaint received 2023-02-26
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. (OH)

This credit bureau has violated 15 USC 1681i and 15 USC 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-02-26
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. (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX