davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I recently received a {$2600.00} prepaid gift card from American Express. I have tried to use it angain annd angain, and it is not accepted from ANY vendor ive tried. The card transaction has declined, or shows as pending for days at a time, online and in stores. In person talking to the merchant, they accept Amex, enter all the details correctly and security codes are correct. They say to request authorization from Amex. Speaking to Amex customer support has taken 20+ hours and they say it has sufficient balance and do nothing. Their recommendation is to try somewhere else. They are unwilling or unable to verify or authorize the transactions, they just say it works. It does not work. 
Doesn't work on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The card is in fact verified and has been checked by support multiple times, when I check the balance, the amount is more than sufficient. 
I've talked to customer support for hours ( including a manager ) and they refuse to give me a refund or tell me where ( if anywhere! ) I CAN use the card. Its worthless and unusable, even though Amex has already been paid for the amount!
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Again, my transactions get flagged as fraud and they force me to call the number on the phone and confirm all transactions over and over again. I basically can't use my credit card anymore. 
This complaint is the same as the previous one, which was fixed for a time but today I started having the same problems. 
The fraud detection system keeps flagging my card as unusual activity but without a clear pattern. For example, I used my card to buy a new XXXX at XXXX for the price of XXXX which went through. However, when I tried to buy a toy for my child for around US {$20.00}, it got flagged. The fraud system from bank of america doesn't work for me and there's no way for me to get rid of it, making my credit card useless.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

We had a capital one card for around 10 years with cash back for purchases. We had amassed {$740.00} in rewards to be used towards a family vacation. When I went to redeem my cash, I found out that Capital One had closed our account due to inactivity and that the rewards were no longer available. They claim they sent a notice of inactivity and that we needed to redeem rewards or use the card. We never received any such notification ( and we ALWAYS open mail from financial institutions with whom we do business ). I've been through Capital One customer service and they claim that they can't address my issue or even escalate it due to some arbitrary change in the system. To close someone's account without proper notice and take their money seems quite fraudulent to me. Thanks.
Consumer complaint received 2023-06-20
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. (GA)

My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : 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 2023-04-27
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: DIRECMANAGEMENT, INC. (AL)

There is a collection account reporting on my credit report where the original date of delinquency with the original creditor is more than seven years and therefore this collection is to be removed from my credit reports, XXXX and XXXX. It is not showing on XXXX. I have provided the documentation of payment history with original creditor to the credit bureaus.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-03
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. (PA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-24
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-25
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. (TX)

I am the author of this complaint. I checked my credit report and noticed that there are accounts reporting that are inaccurate, incomplete, and unlawful. These accounts are reporting in a manner that violates the Fair Credit Reporting Act 15 usc 1681s-2b and 15 usc 1681b . I do not give XXXX, XXXX, or Transunion to publish any data furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (NV)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-08
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. (NV)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account # : XXXXAccount Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$200.00} According to Cushman v Equifax 1997 , Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX  Equifax Account # : XXXX Account Status : COLLECTION Date Opened:XXXX Balance : {$580.00} According to Cushman v Equifax 1997, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

the month of XX/XX/2018, my home depot card tried to take a payment from one of my banks, it was rejected. I called and card services said they would NOT try again and I should pay be phone..which I  did from a different bank account. Mean while AFTER home depot kept trying to take from my first account ( 4 times ) racking up {$60.00} in over draft fees, final they were able to take another payment. I have called 3 times getting the run around. Now they say I must mail in copies of my bank statements, when you can see on my home depot statement the 2 payments of {$100.00} were made days apart for the same amt. I want one of my payments refunded.
Consumer complaint received 2024-06-21
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: Westlake Services, LLC (NC)

The derogatory rating on my account is a major source of concern for me. Its impact on my credit has been substantial, already resulting in a rejected loan application and higher interest rates on my current credit accounts. This negative rating has caused, and continues to cause, significant financial hardship and emotional stress.
Consumer complaint received 2024-05-31
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-09-18
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: LEXISNEXIS (WI)

1st I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a 7-year-old charged-off XXXX  XXXX credit card that continues to appear on my credit report. This account, with partial number XXXX, was opened on XX/XX/XXXX. Despite the Fair Credit Reporting Act 's ( FCRA ) seven-year limit for reporting negative information, this charged-off account remains on my credit report, causing significant harm to my credit score and overall financial opportunities. 

Legal Grounds for Complaint Fair Credit Reporting Act ( 15 USC 1681 ) The FCRA stipulates that negative information like charge-offs should be removed after seven years from the date of the original delinquency. Since this charge-off is over seven years old, it should no longer be reported. 
Fair Credit Billing Act ( 15 USC 1666b ) The Fair Credit Billing Act requires creditors to promptly correct billing errors and discrepancies. The continued reporting of this charge-off could indicate improper handling of account information. 
Privacy Act of 1974 This act ensures consumer privacy and control over personal information. The continued presence of a charged-off account beyond its permissible reporting period raises privacy concerns. 
Fair Debt Collection Practices Act ( 15 USC 1692 ) The FDCPA prohibits unfair or deceptive practices in debt collection. The ongoing report of a charged-off debt may suggest improper debt collection practices. 
IRS Regulations on Discharged Debt According to IRS rules, a discharged or forgiven debt should not be reported on a credit report. Additionally, the absence of a 1099-C form, which confirms a discharged debt for tax purposes, raises questions about the accuracy of this charge-off. 
Requested Actions I request the following from the CFPB : Immediate Removal of the Charge-Off Given that the charge-off is over seven years old, it should be removed from my credit report. 
Investigation into Compliance with IRS Regulations Examine whether XXXX  XXXX issued a 1099-C, as required by IRS regulations XXXX for this charged-off debt. 
Review of Account Handling Investigate whether XXXX  XXXX violated any provisions of the Fair Credit Reporting Act, Fair Credit Billing Act, or Fair Debt Collection Practices Act. 
I request a prompt response and appropriate action to correct this situation. If further information or documentation is required, I am prepared to provide it upon request. Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX