davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

I have serious concerns that American Express ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process.

The Company is also failing to acknowledge and directly reply to my inquiries and submissions in this matter. I have made several attempts, and spent hours of hold and phone time, speaking with the Companys representatives, but have received nothing that could be considered responsive to my several statement and multiple correspondences on these disputes, which have been pending for almost 4 months now. 

These are high value items ( {$610.00} and {$640.00} ) and given the difficult economic conditions we all find ourselves in, I have serious concerns about the process, investigation, and outcome thus far. I am an XXXX XXXX XXXX  years-old, and really should not be required to be this vigilant and attentive to a matter, that by all objective measures, should have been closed in my favor some time ago.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 XXXX Bureaus, XXXX, Experian, and 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 — Was not notified of investigation status or results
Company: Duvera Billing Services, LLC (GA)

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

Duvera Billing Service was disputed on XXXX due to the account not being mine. I have requested multiple investigations for the company to provide proof that this is my account. The company has not communicated any information regarding the requests and therefore are in violation of the law listed above.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I am writing to formally dispute the alleged following debt currently associated with my XXXX, XXXX, XXXX and XXXX accounts. XXXX ) XXXX XXXX {$600.00}. I believe that my rights under federal law are being violated, and I am disputing owing any and all debts purportedly held by these agencies. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of any debt claimed I owe. Accordingly, I am requesting the validity of these alleged debts as required by federal law. XXXX ) Please provide a comprehensive validation of this debt, including a detailed account of how this amount was calculated. XXXX ) I request a copy of the original purchase order agreement between the collection agency and the original creditor, as proof of the debt 's origin and validity. XXXX ) Additionally, I am requesting documentation that demonstrates the agency is currently licensed and bonded to collect debts in my state. Furthermore, I hereby revoke any and all rights of any debt collecting agencies to communicate with me through text, phone calls, email. I am exercising my right to request that all future communications regarding this matter be conducted exclusively through written correspondence sent certified to my mailing address.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

I told the XXXX and Equifax to reinvestigate these accounts : Account name : Department of Education DPT EDXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Also according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

They are plenty accounts that they have no fix ; but these two have been abused being modified and updated to verified. That is a lie. I even sent proof. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (CA)

The companies name is a firm. I bought some shoes that were {$260.00} that were counterfeited shoes that were rubber. They were XXXX XXXX so after I bought them I received them and I seen that they werent real so I tried sending back but they wouldnt provide me with a return label but they did provide me with an address to send them back so I sent them back with my own money {$30.00} and I never received any confirmation anything else about this company or its a scam fraud so the companies is sending me now to collections affirm sells counterfeit products
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (MA)

Hello, my name is XXXX XXXX and I am a victim of check fraud. I seen a post someone put on XXXX about a job for XXXX an hour data entry online am I was so excited to get off government help and start working I was oblivious to the signs. Fast forward she send me a check through email and says for me to print it out and mobile deposit it, send back XXXX and keep XXXX so I do but before I do I check with my bank to make sure the check is real. I call the on XX/XX/2023 at or around XXXX they assured me that if the check deposited and completed that Im okay and my bank wont be negative well he lied to me it take me about 7 days to fully go over a check and see if its fake or not when our economy has evolved and technology SHOULD be able to detect that as soon as I deposited it but it didnt now Im negative XXXX in my bank account. I got the messages and everything of the transactions I feel like Im being treated like a felon, like this was my fault and it wasnt because if XXXX XXXX wouldve told me to wait to see if its real educated there customers on fraud I promise I wouldnt be in this situation Monday comes and I call, show them the text messages and they put my account on hold until I can pay those funds. My thing is if I AND the bank was educated on how checks process and fraud works I promise I never wouldve sent that money to them, never mind that even deposited it in the first place. I start looking online about check fraud and find out if you print it out its fake and if I wouldve known that information I wouldnt be in this mess. Im distraught, I thought I was getting a job and I get scammed on top of that Im being treated as if its my fault because I deposited a second check but I deposited that check on sunday around XXXX XXXX before they overdrawn my account on Monday to XXXX and even though I was suspicious and took my money out in the back of my head I was like well the bank told me it was real and Im okay so Im going to deposit it when I looke it up and it says checks drawn on a Santander account XXXX is available the next business day and all other checks have to wait 6 days and my check wasnt a Santander check. If I misunderstood that Im sorry but if you can help me Ill really appreciate it Im going to everybody I can before I take it to the authorities.
Consumer complaint received 2024-05-09
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've contacted XXXX XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to update me from being listed as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer.as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc. (MI)

Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address a matter of utmost importance concerning the unauthorized use of my personal information by Allstate Credit Bureau . This letter serves as a formal notice to immediately cease all communication and any further use of my information, unless you are willing to engage in discussions to rectify the violations committed and provide appropriate compensation. 

It has come to my attention that Allstate Credit Bureau has been accessing and using my personal information without my consent or authorization. I hereby demand that you immediately cease all communication and refrain from any further use or dissemination of my personal information, as it is a clear violation of my privacy rights. 

Furthermore, I would like to bring to your attention that the business name " Allstate Credit Bureau '' is misleading and potentially in violation of the law. The only recognized credit bureau authorized to assemble and evaluate consumer credit and other information is the Consumer Protection Bureau. Referring to yourselves as a credit bureau implies a level of authority and credibility that you do not possess, which is deceptive and misleading. 

I insist that you immediately cease using the name " Allstate Credit Bureau '' and refrain from presenting yourselves as a credit bureau. This misrepresentation of your business name is not only misleading but also against the law. 

I hereby request that Allstate Credit Bureau take the following actions : Cease all communication and any further use of my personal information immediately. 
Provide written confirmation of compliance with this cease and desist request within 10 days of receipt of this letter. 
Engage in discussions regarding the violations committed and provide appropriate compensation for the unauthorized use of my personal information. 
Please note that failure to comply with this cease and desist request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your prompt attention to this matter. Any future communication from Allstate Credit Bureau should be in writing and strictly limited to the resolution of this issue. 

Thank you for your immediate action in this regard.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (OR)

Visa card herein reference has not been re - open for services Advise to reach out XXXX President Sincerely, XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service Enclosure CC : Consumer Financial Protection Bureau
Consumer complaint received 2023-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/2023 I purchased a new XXXX at XXXX XXXX in XXXX Florida. I was told by the finance XXXX XXXX XXXX that my new car payment was {$680.00} a month. He also said the vehicle " came with warranty up to XXXX miles, GAP and scheduled maintenance all included '. We then proceeded to sign on a digital screen again repeating that my payment was {$680.00} with all those included benefits. At the end he hands me my document folded and packed into a medium sized orange envelope. Few days later at home I unpacked the documents to create a file and saw my copies of the contract. In it I saw a payment of {$870.00} dollars and an itemized description of all the " included benefits '' he described with dollar premiums on the contract. I was in shock and in research realized that those products were optional and i was never told. I immediately called XXXX XXXX and asked for an explanation and demanded that the deal be rescinded. His answer was that my reaction was typical and that I could trade out of the vehicle in 6 months. As a single mother I really feel that I was taken advantage of for trusting what I thought to be a reputable dealer. I have limited to no resources and can barely afford this. I would have never agreed to a payment of {$870.00}. I sincerely feel that as a woman I was taken advantage of in more than one way. I don't even have the means to afford legal counsel in order to assist in fixing what I think this is. This person is trying to get away with fraudulent and malicious intent. The dealer is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. Phone number is XXXX XXXX or XXXX
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

It all started in XX/XX/2023 where I had fraudulent activity on my account from Arkansas that got resolved and I received my funds back from the bank. However, I was waiting for my new card. And I noticed that it had been a little too long of a time and I called my bank and I said I had some questioning phone calls from Wells Fargo and it turned out that it wasnt Wells Fargo and they had gotten into my account on XX/XX/XXXX they took out {$2000.00} and then on XX/XX/XXXX they took out {$1900.00} From the bank is not returning my money even though those were from an ATM in Florida and I am located in Georgia and I they are claiming that I either knew the person or I gave somebody my ATM card however, I did not have an ATM card because I was trying to get my new one in the mail Now Ive re-opened up my claim and I filed a police report and I am not happy that its taking this long to try and get money back from something that I did not cause
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (MI)

In XXXX was offered via my account three options to get caught up on my account. It was in the negative because my daughter used my card while I was on medical leave. I chose the one where you make four bigger payments with no interest. With that, I would have money available to use and my account would be out the negative. After the four months then the interest and regular payments would start. I was charged XXXX XXXX plus dollars in interest per month. The bigger payments did not affect my account in a positive way. It is still in the balance is still in the negative. I was mislead. When speaking to customer service they stated it was nothing they could do! It states it was third party but the offer was offered in my account. When I logon to check my account and pay the bill.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/year> DEAR EXPERIAN I.XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau I HAVE NO KNOWLEDGE of credit applications made to the following companies which are now inquires on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS FRAUDULENT AND I REQUEST THIS BE REMOVED IMMEDIATELY i request removal of addresses listed below with immediate affect XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX this is my official request to have the aforementioned items to be deleted off my credit report
Consumer complaint received 2024-05-27
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. (TN)

In accordance with the fair reporting act. This creditor has violated my rights. under 15USC1681, section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor made not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.