davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I called and spoke on a recorded line to an American Express representative about my account asked before I did the charge to XXXX in XXXX. If I will receive 5 % back I was told yes I went ahead and did the charge and only received one percent. 
Yesterday XX/XX/XXXX I was told that they would look into it and make the adjustment today I called back and the representative told me that the {$17.00} that I shouldve earned is not gon na be adjusted and I will only earn the XXXX dollars at 1 %. 
American Express listen to the call with the representative before the charge was done verifying that it would be 5 % or I wouldve never charged on my account when I even if I close my account, American Express representative did not care it will rather lose a customer for the {$16.00} adjustment when Ive been with you guys for 17 years, horrible service and not recommend American Express
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC (VA)

XXXX XXXX XXXX : XXXX XXXX XXXX are using a third party Glasser and Glasser PLC to garnish my wages for the second time in two years for a debt that is not mine. The address for this debt was supposedly XXXX XXXX XXXX Florida. I have never in my life lived in Florida. I sent Glasser and Glasser a debt validation letter and received no response. My lawyer sent Glasser and Glasser a letter last week and still no response. This debt is supposedly from XXXX. I have lived in Virginia since I was three years old and have never lived out of the state of Virginia. I have not been sent anything ever. I have never received any billing statements, no letters, no nothing from XXXX XXXX XXXX or XXXX XXXX  XXXX. I have even had my bank check back and send me all of my activities from XXXX and nothing shows up. I have never had a credit card with this company. I believe it was a fraudulent account made. I have notified the credit bureaus and let them know that there was a fraudulent address on my credit. XXXX XXXX XXXX nor XXXX XXXX XXXX show up on my credit report ever. As of right now they have taken over {$500.00} from my wages and I am now on the verge of losing my car and my home because of this. I have yet to receive any proof from either company about this account being mine because, I know it isnt mine. I never received any correspondence before the garnishment summons came a year ago and the one they just started. I never received a letter saying to call, no phone calls no nothing. The garnishment summons was mailed to me at my home and then a week later served to my home. I have asked for billing statements, original copies of said debt, all that stuff with no response from either company.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CRED Technologies dba cred.ai (WA)

I was repeatedly asked to verify my identity due to fraud, and have had to remove and replace my XXXX XXXX numerous times over the past few months. My account is never low on funds and I can not move more than XXXX a day out of it despite adding XXXX monthly to it. 
I recently moved and wanted to change my address and they said I needed to show all sorts of documentation to do so, and I was unable to show a utility bill because Id JUST Moved It doesnt make sense that their customer call center will not escalate and simply says well email you and then check spam but nothing arrives. I want to revoke my account and get back my money
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have been an authorized user on my XXXX XXXX Account for over one year. This credit line has always been included in my total credit line and has a positive effect on my total credit usage and credit score. 

In XXXX of 2023, I received alerts from Experian Credit Member Services stating that my credit score had decreased by XXXX points and that my credit line had been reduced by XXXX points which caused my credit rating to go from good to fair. 

The XXXX account currently reflects that I am still an authorized user with a credit line of {$19000.00} and a {$0.00} balance. 

I have requested multiple times for Experian to correct the credit line, total credit usage, and score. They are refusing to do so even after having correctly reflected the account and credit line in the past. 

I am currently seeking to acquire a home. This action has caused distress and reflects negatively.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (GA)

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will conduct a verification process with the creditor responsible for posting this information. I kindly ask you to delete any data that the creditor fails to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I called Wells Fargo to close my checking and savings account. at this time I was informed that I owed {$67.00} before they would close my account. on this same date I transfer the amount in question to cover the {$67.00}. I closed this account because they have a practice of charging overdraft fees without my consent and or knowledge. after reviewing my checking account I discovered that Wells Fargo charged overdraft fees 5 times, without my approval. When I brought this up with the agent ( while closing the account ), she very rudely told me, it was the policy to cover overdraft funds and charge fees without informing me. this is frustrating, it is XX/XX/XXXX and they continue to charge more overdraft fees ( after I called to close the account ). when I called they say that they can not close the account until I pay the added overdraft fees. 

This is abuse, I am a XXXXXXXX XXXX XXXXt limited budget and do not have the funds to pay these fraudulent fees. 

Here are the dates of overdraft fees ( YTD ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (IL)

Lloyd-Mc Daniel law firm wore taking money from my checking account for 5 months then they stop I call them and they dont give me the explanation just referred me to the bank that I had credit card XXXX  after XXXX XXXX of waiting I found out that the account was close I never received a letter from Lloyd-Mc Daniel about this account they took {$500.00} and I want to find out if they took the money for them self and? Im collecting social security and I lost my job.This law firm was ruthless and they need to be investigated Thank you XXXXXXXX XXXX
Consumer complaint received 2024-05-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I received notification on my credit report of a debt from XXXX for XXXX  cellphone service they continued to try to collect for that was relayed a lingtime ago it was paid at the time. It is XXXX and this company placed it back on my credit report with no bill or any XXXX formation. It is over XXXX yrs  old.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

Paypal froze my account out of the blue one day while I was traveling in XXXX. Id used it for booking rooms and XXXX  for approx. 2 weeks up to that point, and then suddenly XXXX, one morning I wake up in a foreign country with no ability to use my only payment option at the time. I used it the night before to book an XXXX, and then it was gone. They never told me why, although they told me they would tell me why. Ive sent emails, called, messaged them, all to no avail. I finally was able to speak to a human over the phone and he told me that I would recieve an email from them about rectifying my issue, but it would take approx. 5 weeks. Still nothing. I was under the impression that after 180 days had passed I would recieve instruction on how to get my money out of paypal, but nothing. I had cryptocurrency purchased and wanted to sell while it was up, but could not because of this issue. Now it has become a loss, and still I can not access my money. This is going on two years now. I feel they do this because memory becomes less clear after a time. How much money has paypal made by simply ignoring their customers for years? What a sham.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 


XXXXXXXX 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 2024-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC (TX)

On XX/XX/2024 I received a call from DNF Associates. They were attempting to collect a debt of XXXX. I agreed to pay that in order for the account to be reported paid and removed from my credit. They agreed to report it as paid. One month later after i paid it in full, i called back to ask if they had reported it as paid. They told me that had not yet but would by XX/XX/2024. I called back again today and they told me they never said they would report it and that i would have to file a dispute with XXXX. I did so and it was not removed due to DNF not telling them it was paid. I was tricked into paying something i didnt even owe and misled about their intentions on reporting it. They basically laughed in my face and took my money without ever reporting it as paid to XXXX.
Consumer complaint received 2023-12-21
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. (IN)

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance which states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( 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 ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

According to my reports on Experian, XXXX and XXXX, they were all in violation of these terms.
Consumer complaint received 2024-06-17
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. (GA)

I have filed a Report with FTC ( REF # XXXX ), regarding the following unauthorized Inquiries on my Consumer Report. 
15 U.S. Code 1681 b - Permissible purposes of consumer reports I did not give verbal or written permission for my information to be shared with Credit Reporting Agencies, this is violating my rights as a Consumer. 
The following XXXX XXXX ran XX/XX/year>, HARD INQUIRY XXXX XXXX XXXX XXXXan XX/XX/year>, HARD XXXX XXXX XXXX XXXX ran XX/XX/year>, HARD INQUIRY Thank You,
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI, I'm unable to get into my transunion account because of my phone is off and i did verify my identity by phone and sent my ID 's and utility bill by email to transunion XXXX and they said they can't open it. I'm not sure however I always was put through the ringer for my account. I never got into my transunion account The credit card or bank account information supplied has been used on the site over our security allowance. In order to protect your privacy, use of this credit card or bank account number has been suspended. This security measure is taken to protect your personal data and credit card or bank account.

Thats is what is saying when i login i don't know what is going on.
Consumer complaint received 2023-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-12-21
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. (IN)

According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your XXXX  loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my XXXX  loan records nor did I give consent for XXXX to contact me regarding any finances or my XXXX XXXX They do not have my signature for any loans XXXX states I woe to them or any documents that I have provided.
Consumer complaint received 2024-05-24
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 (NV)

I received a virtual American Express gift card from XXXX XXXX. Eveytime I try to use the gift card it declines even though I have sufficient funds. I called the company and they said it's probably because of the merchant. I asked for them to tell me where I can use the card and they couldn't tell me. I tried to use the card in stores and the card declines. The customer representative line is no help and they say the same thing every time. I feel like this is a scam and many people are having the same issue.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NV)

I filed the dispute with brinks money all access the dispute was for {$68.00} and another one was for {$10.00} they only gave me {$66.00} back on my card and I keep calling them about the situation they keep rerouting me to the automatic machine to reput my information in I done it five times this morning and they keep charging me overdraft fee ATM fees when I signed up to pay {$5.00} a month so I won't be charging them fees and they started charging them to me they stealing my money out by card but y'all please help me
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

XXXX issues with US Bank : - Merging online accounts ( account for credit card into account checking account ) - Rewards marked as XXXX % instead of XXXX % - Very low credit limit assigned {$500.00} for high 700 's credit score across bureaus - Check correct name spelling on account I have spend hours in vain with call center reps/supervisors across weeks. Zero action.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to you as a loyal and longstanding client of Santander since XX/XX/year>. I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the Santander family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my payment for the month of XXXX and XX/XX/year>. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my XXXX XXXX, and I am genuinely concerned about its implications for my financial well-being. Given my history of prompt payments and my commitment to rectifying this situation, I kindly request that Santander consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that Santander has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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.