davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX have been an AMERICAN EXPRESS Card customer with Credit Card number XXXX. I stopped using the card and cancelled the card more than a year ago. However, the payments reimbursed to the card have not been delivered to me by AMEX. I have asked them multiple times over chat and calls and have been issued many cheques for {$540.00}. However, the cheque bounces on payment. I have multiple such instances including XX/XX/XXXX and the last payment on XX/XX/XXXX from AMEX cheque to XXXX that was stopped for payment. 

I have enclosed the sample from the bank. I have been trying to get my money back from AMEX for more than a year and failing to do so. I request you to take stringest action against AMEX to stop hoarding customer money and charge them similar APR as they charge consumers like 24 % for the past one year of hoarding the money. 

The past cheques have been issued in XX/XX/XXXX, XX/XX/XXXX with similar state.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (CA)

I am a full time XXXX XXXX XXXX XXXX My account was hacked or something and {$200.00} was stolen from my account : - ( on XX/XX/XXXX I was shopping for a DoorDash order at a XXXX in XXXX XXXX California on XXXX XXXX. While I was shopping I got 2 notifications on my phone saying that {$100.00} was withdrawn from my Doordash payfare payment account which was impossible I had my only debit card linked to my account was in my pocket. There is no ATM inside of this XXXX. 
I had used my card to withdrawal {$900.00} earlier in the day and paid for lunch at XXXX XXXX. 
There is a daily withdraw limit of {$1000.00} on my account. The security withdrawal limit did not stop someone from stealing or hacking {$100.00} out of my account. 
Then another {$100.00} was taken from my account which again exceeded my withdrawal limit. 
{$200.00} was stolen out of my account which exceeded my daily withdraw limit neither of these transactions should have been authorized as they both exceeded my withdrawal limit. 
After I saw this I went into the parking lot with the XXXX XXXX order and called payfare I reported the transactions, canceled my card, tore my card in half and ordered a new one. 2 Hours after {$200.00} was stolen from my account they were trying to take out more money! 
Payfare will not give me my money back they denied my request when I submitted the dispute form. 
Payfare will not tell me where these withdrawals were made Attached is proof that that I was shopping inside of XXXX on a XXXX XXXX  order between XXXX and XXXX on XX/XX/XXXX Attached is proof that the withdrawls were made at XXXX & XXXX pm Attached is proof that they attempted to take more money from my account at XXXX after my card was deactivated and tore in half.
Consumer complaint received 2023-04-07
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. (AL)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (MI)

Privacy Act of 1974 ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. 

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. 

Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of 1974. 
Furthermore I was not given notice to make the decision of opting out of the disclosure. 
Every company owes you a privacy notice before they furnish any information to the consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
Consumer complaint received 2021-12-01
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: AMERICAN EXPRESS COMPANY (AR)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX
Consumer complaint received 2024-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX  XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Upon the completion of your investigation and subsequent corrections, I kindly request the issuance of an updated credit report.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

From XXXX too XXXX During the pandemic I was XXXX  and went too XXXX  on two occasions during these XXXX  I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (CA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

The bank closed my account in early XXXX and they said they are investigating and reviewing my accounts. So they took all the money from my account and I believe the total is about XXXX dollars. Every time I call customer service, they tell me the same thing, saying the bank is still reviewing and they can not provide me a time frame for that. I have at least XXXX dollars transferred from my home country 's account. I had some remaining balance from my mom sending my money from XXXX before. And some other transfers are from my neighbors and friends. I can provide evidence for all of them.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint concerning the inaccurate reporting of late payments on my credit reports by the three major credit reporting agencies ( CRAs ) : XXXX, Equifax, and XXXX. Upon a thorough review of my credit reports, I have identified several discrepancies that I believe constitute a violation of my consumer rights as outlined by various consumer protection laws.

The discrepancies in reporting are as follows : XXXX : - XXXX XXXX XXXX  account reported as XXXX  days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - Account closed in XX/XX/XXXX Equifax : - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX XXXX : - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as XXXX  days late in XX/XX/XXXX - XXXX XXXX XXXX  account reported as XXXX days late in XX/XX/XXXX - No data reported in XX/XX/XXXX These inaccuracies are not only detrimental to my creditworthiness but also directly violate the consumer protection laws that safeguard accurate credit reporting, including but not limited to : - Fair Credit Reporting Act ( FCRA ) - Fair and Accurate Credit Transactions Act ( FACTA ) - Consumer Financial Protection Act ( CFPA ) - Equal Credit Opportunity Act ( ECOA ) According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate information and investigate disputed items on consumer credit reports.

I demand that the late payments on the XXXX XXXX XXXX account be promptly reversed to reflect the accurate status of " paid as agreed '' or " current. '' Failure to rectify these inaccuracies within a reasonable timeframe will compel me to pursue LEGAL ACTIONS against the CRAs for non-compliance with federal consumer protection laws. THE CRAs & XXXX XXXX XXXX  ARE BREAKING THE FCRA LAWS AND THE CONSUMER LAWS! THERE ARE INACCURACIES WITH EACH BUREAU! VIOLATIONS! I WILL TAKE LEGAL ACTIONS FOR THE INACCURACIES. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and decisive action to ensure that my consumer rights are upheld and accurate credit reporting is maintained. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this issue.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act. The bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Transunion to reinvestigate the bankruptcy they are reporting .However, they stated everything was verified and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information. I have also attached the letter from transunion stating they verified the bankruptcy with the court ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-05-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (SC)

On XX/XX/year> I gave notice to XXXX XXXX XXXX of 60 day notice of move out.in which I pride the last 2 months of rent I moved out of apartment on XX/XX/year>. But they have continously without merit have tried to collect a balance of {$1000.00} which was then given to XXXX XXXX XXXX which is illegal practices as stated the account was satisfied with original creditor this account in past was removed from my XXXX crefit profile but XXXX has failed to remove this fraudluent collection account..This collection on my crefit report has caused mental stress and disadvantaged me in any and all credit decisions by reporting a fraud I lent account.
Consumer complaint received 2023-12-03
Product: Credit reporting 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. (IL)

It is challenging to request credit reports online or via telephone. When I log into my online account for Transunion, it either directs me to pick a plan to pay for service or blocks my requests for a credit report with a message that says " We're unable to complete your request online. '' I tried calling Transunion several times over the last few months and I've spent hours waiting on hold or the automated system will eventually hang up and send you a text to start chatting via text. The live agents via text stated they can not request a report for me via text because I am a fraud victim. So how else will I be able to request a free credit report? This has been going on for months and TransUnion should hire more agents to be able to take calls from people in this situation.
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (FL)

THESE HARD INQUIRIES  ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE XXXX AS WELL . THANKS 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (VA)

I am writing to file a complaint against Wells Fargo regarding the expiration of reward points on my Wells Fargo credit card. 

Recently, I discovered that my accumulated reward points had expired. This came as a surprise to me, as I have never encountered such an issue with reward points expiring with any other bank credit card I have used. Upon reaching out to Wells Fargo customer service, I was informed that the points had expired according to their terms.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please delete off my credit report!!!! 

Notice : Opt-Out Disclosure and Rights to Privacy Warning : This is not an inquiry, nor a request. This is a demand for you to comply with my opt-out demand and to stop the infringement of my rights to privacy!!!!! This demand is not to restrict the reporting of certain information, this demand is for you to delete any and all information you are sharing!!!! Opt-Out Notice to your Corporation : Unbeknownst to me, I gave consent for you to share my non-public personal information. 

I, XXXX XXXX, am revoking, rescinding and demanding to be opted- out of any permission or consent I have given your Corporation to share any information, transaction history and details of my non-public information between you and I. 

AFFILIATES do not include Consumer Reporting Agencies such as Credit Bureaus : XXXX XXXX, XXXX, Transunion, XXXX, XXXX, etc. as these companies provides a paid service to your company, this opt-out notice, of my non-public information between your company and I, shall be removed from all platforms immediately. 

Notice of Right to Privacy : I have a right to privacy of my nonpublic information and am protected under the GRAM LEACH BAILEY ACT -Privacy Rule. 15 U.S. Code 6801 - Protection of nonpublic personal information ****Upon receipt of this letter and to prevent any further damages to my Rights to Privacy, I am demanding the immediate removal of personal data and transactions of all companies you pay or voluntarily report my personal information, data and transactions to. 

Know that there are no permissible purposes are consent to share my information as of XX/XX/2024 by I, XXXX XXXX, the consumer pursuant to 15 USC 1681 ( c ) ( 2 ) You are also civilly liable upon receipt of this notice and is in violation of my rights Pursuant to 15 USC 1681o under the Fair Credit Reporting Act and will be subject to a fine made payable to me in the amount of {$1000.00} per violation. 

Respectfully, XXXX XXXX