davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

I have had a Discover card for many years. It is not primary credit card, but used occasionally. On XX/XX/2024, I received a notice that my account had been closed. 

In calling the company to find out why, they claimed they had sent a physical letter about inactivity on the account in XXXX, which I did not receive. They did not attempt to contact me via email, phone, or the account center. Closing an account like this affects a consumer 's credit score ; doing this with such minimal effort on the part of the company, despite all of the effort they put into their marketing, is ridiculous. They should not be allowed to close an account by simply sending a physical letter that they can not verify the account holder received.
Consumer complaint received 2024-08-19
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/year> I called XXXX Customer Service to inquire about two charges in my bank account that I did not recognize. The alleged customer service representative said he would find out where the charges were generated. However, this was not a legitimate XXXX XXXX. He proceeded to ask me questions to locate where the charges originated. He told me that I was being charged a subscription to XXXX by someone using my account to watch XXXX. Of course, I was very upset and at that point was willing to work with him to clarify the matter. He, all along was gathering information to scam me out of XXXX dollars with a fee of XXXX. He abruptly hung up on me. I knew at that point he had scammed me and contacted both my bank and PayPal to alert them and to retrieve my stolen money. 
His transaction ID is XXXX His alleged name XXXX XXXX His email XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit fileXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (CA)

Ive been trying for a long time to have the bureaus fix the accounts that were caused by identity theft and they just won't budge. I explained that my roommate was the one that obtained my information and used it to open cup accounts
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MI)

The issue is the American Express Payment Hierarchy. Amex offers a " Plan It '' option in which charges can be converted in to a fee based installment plan. This type of installment plan is a little cheaper than the current 19 % revolving credit charge rate. The only way I can pay down my credit charges is to pay the " Plan It '' installment including the fees first even though it is already current and set up in autopay. I use the credit portion of my card to earn my points and then pay it off so that a balance is not carried. Even if I just want to throw a little extra cash to my higher interest ( 19 % ) part of my revolving credit card balance, I can not. I have to pay the entire monthly Plan It portion first. I also asked what the Plan It equivelant APR cost was for a comparison of the actual savings but it could not be explained by the representative. 

I have been hung up on, passed around departments, and lastly told the policy can't be changed. I tried asking that my issue be handled by a review board with the authority for consideration of my complaint but during my explanation to a CSR supervisor, the phone went silent. 

In summary, American Express is taking advantage of the consumers who use the " Plan It '' program by not allowing the higher cost credit to be paid separate or first in their current payment hierarchy. 

I have tried to work this out for multiple billing cycles without a satisfactory explanation or resolution. 

If possible, please help.
Consumer complaint received 2023-08-24
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. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX IN RESPONSE TO CFPB : XXXX REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXXXXXX XXXX  THESE PHONE NUMBERS DO NO BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One is refusing to properly review my detailed evidence for a merchant that scammed me by selling me a defective vending machine. The vending machine I received from XXXX did not work or has not worked, since I received it. My electrician concluded that the voltage was too high for the XXXX, standard XXXX voltage is XXXX the machine I received was XXXX. 

Capital One is neglecting the fact that I was misled by the company which has created an extreme hardship for my business and personal finances. 

The merchant claimed that the machine was placed outside and it was not, the machine was moved the same day it was delivered to an outdoor outlet mall under XXXX covered roofs XXXX that is made from cement. The merchant lied about this fact and I also sent them several videos of where the machine was located. I'm attaching an image of my replacement machine that is in the exact same location as the faulty machine I received from the merchant. 

This evidence I provided needs to be properly reviewed. Capital One is being extremely negligent with my claim.
Consumer complaint received 2024-09-04
Product: Credit 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: DISCOVER BANK (VA)

On XX/XX/2024 I opened Discover Card credit dispute ( Dispute # XXXX ) for {$4100.00} for a custom piece of furniture product I did not receive from XXXX XXXX XXXX XXXX. I subsequently closed this Dispute with Discover Card when the owner of XXXX XXXX XXXX XXXX agreed to finish the custom furniture by end of XXXX XX/XX/2024 via writing in email to me. 

Subsequently, the owner of XXXX XXXX XXXX XXXXXXXX began to ignore a majority of my communications once again and did not deliver the custom furniture by end of XXXX XX/XX/2024 as promised. It is now XX/XX/2024 and XXXX XXXX XXXX  XXXX still did not deliver and will not respond to me. 

I attempted to reopen the Dispute # XXXX with Discover Card and they denied me the reopening indicating that XXXX XXXX XXXX XXXX had to agree to the refund. This makes no sense, because XXXX XXXX XXXX XXXXXXXX will not deliver the product nor reply to my messages. I let Discover Card know that it is not possible for me to get that agreement from XXXX XXXX XXXX XXXXXXXX since they will not respond ; this is the purpose of having a credit card Dispute process. However, Discover Card will no longer help even though I sent them additional documentation showing XXXX XXXX XXXX XXXX will not respond to my emails and I sent Discover Card the email from the owner of XXXX XXXX XXXX XXXX stating they would delivery by XXXX XX/XX/2024. 

Therefore, I am stuck with the {$4100.00} bill on my Discover Card for an item I did not receive nor ever receive and Discover Card will no longer help me.
Consumer complaint received 2023-09-15
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. (PA)

Hey, I've been disputing fraudulent and inaccurate information on my credit report for over 30 days now. I haven't heard back from the credit bureaus or creditors who are furnishing this improper data on my report. I've also noticed miscellaneous inquiries on my credit report, accounts that say " closed '' yet are in collections, and reporting late payments. My next step was to contact CFPB and legal counsel for the credit agencies who are being negligent by illegally reporting False, Fraudulent data on my credit report.
Consumer complaint received 2023-11-06
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. (TX)

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.

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 inructions 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 2023-11-06
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. (GA)

I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (TX)

I filed multiple disputes with SoFi because someone had stolen money out my account. These people have taken like XXXX dollars out of my account. I filed the dispute XX/XX/year>. The next day SoFi sends an email that they found no errors and the claim is being closed. I tried filling an appeal, they did not want to use the document for me to file an appeal. Out of all the money that was taken from me, SoFi only credit me XXXX dollars. I feel that SoFi did not do a proper investigation. I am very disappointed at this company. How do you only credit XXXX? How are you done investigating not even XXXX hours after filing the dispute. It does not make sense.
Consumer complaint received 2023-06-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-06-20
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: U.S. BANCORP (MT)

On XX/XX/2019, I made a reservation with XXXX for a total amount of {$3600.00} and paid for it with my US Bank credit card. During that transaction, I selected their enhanced Cancel for Any Reason plan for a cost of {$320.00} above what is included in the Standard insurance plan. 
After making the reservation, my spouse encountered medical problems and we took advice from our physician NOT TO TRAVEL. We contacted XXXX on XX/XX/19 to cancel our reservation based on doctors advice. One of their agents told us we had 2 options : ( 1 ) forfeit the entire reservation amount, or ( 2 ) accept a voucher credit but receive no money back. I then discovered that XXXX had already charged the ENTIRE AMOUNT to my credit card. 
I researched XXXX and found they have a history of scamming people. I immediately filed a Chargeback with US Bank to recover the money stolen from my account. 
On XX/XX/2019, US Bank denied my chargeback based on FALSE information XXXX gave them during the investigation. XXXX told the investigator I cancelled the reservation on XX/XX/2019, activating the Insurance Policy, but I DID NOT cancel the reservation and could not cancel the reservation because I did not communicate with them on XX/XX/2019 as they stated in their letter to the US Bank investigator. I have email proof and phone records to support this. 
They misled the US Bank Investigator by saying that I could rely on that program for reimbursement. In addition, XXXX states in their letter to me : if you wish to apply payment and travel This proves that their XX/XX/XXXX charge on my US Bank account was UNAUTHORIZED, premature, and illegal. 
On XX/XX/2019, I contacted the district manager of US Bank, XXXX XXXX ( XXXX, XXXX ), and she said to appeal the decision with XXXX XXXX ( at XXXX ). I called Ms XXXX at least 10 times from XX/XX/2019 through XX/XX/2019.  Each time I called, I was told by her assistant that Ms XXXX would return my call within 48 hours, but she never did. On XX/XX/2019, I spoke with XXXX ( at XXXX ) and he said the appeal period lasts only 1 week and unfortunately the deadline has passed, but Ms XXXX has the ability to open an appeal even today. 
On XX/XX/2019, Ms XXXX finally called me and told me there would be no appeal because it is out of her hands. Essentially, US Bank denied me the ability to appeal and provide them with PROOF that XXXX lied to the investigator. 
US Bank is effectively the collection mechanism for XXXX fraudulent operation.
Consumer complaint received 2024-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (TX)

History of events : In XX/XX/XXXX, I found out when I was running my credit report for a student loan that a medical bill I thought had been paid by my insurance XXXX  dated XX/XX/XXXX had never actually been billed by XXXX XXXX when I came in for an emergency due to multiple medical billing errors. 

This caused me to be sent to collections not only by XXXX but its contractors radiology associates and XXXX XXXX XXXX XXXX, so a total of three times I was sent to collections for one XXXX  room visit that covered XXXX day. 

In XX/XX/XXXX, I disputed XXXX accounts with XXXX as they were never supposed to be sent to collections in the first place. I also never received a bill or notification by either XXXX XXXX or Wakefield and Associates, the last debt collector I am having issues with still. 

In XX/XX/XXXX I tried to contact the original creditor to set the record straight when I found out XXXX XXXX XXXX XXXX had gone bankrupt when my debt was sent to collections. I have no sure way of contacting XXXX and so far Wakefield and Associates have not provided proof that this is my debt or provided me current information to contact this creditor. I emailed them asking them to validate the debt and all contact information related to the original creditor. 

In XX/XX/XXXX, a XXXX XXXX  billing associate sent the insurance information I provided a second time to the XXXX  to Wakefield and Associates without my knowledge, I'm concerned that this could trash my credit for years, even though it was a medical billing error only. 

As a result of this adverse action taken on my credit report by Wakefield and Associates I've been denied a student loan. Even if it gets resolved, I will most likely have to find an alternate means to get a student loan. The worst case scenario is I won't be able to attend university this semester because of a medical billing error I did not make.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.
Consumer complaint received 2019-10-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report in reporting fromXX/XX/2019 -XX/XX/2019 120 past due - Once I was out of default, it was to be removed from my credit report,. which it has not. it is preventing me from moving forward in life, and my loans have now been consolidated, and current in an income driven repayment plan. I would like the default removed and updated, which is standard protocol from my credit report.