davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/XXXX, American Express charged an annual fee to my XXXX XXXX XXXX XXXX, which is {$350.00}. I received notification of my statement on XX/XX/XXXX. According to the XXXX XXXX " we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. '' On XX/XX/XXXX, I downgraded my card to the XXXX XXXX XXXX XXXX, which has {$0.00} annual fee. I was informed that my annual fee would be pro-rated, but because I was not past the XXXX limit I was not concerned about this statement. Only {$340.00} of the annual fee was returned. 

On XX/XX/XXXX, I contacted American Express, who informed me that because I downgraded the card rather than cancelling my account outright, I am not entitled to a full refund of the annual fee. No where in the Cardmember Agreement does it stipulate any other terms for annual fee refund for downgrading the card. Furthermore, to the consumer, an outright cancellation of a product vs. changing to a different product are functionally equivalent. These terms are problematic, misleading and wrong.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2022-11-24
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: Bread Financial Holdings, Inc. (NV)

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, When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) .as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 XXXX and XXXX is 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 ( 5 ), 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. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (GA)

I experienced identity theft. Someone used my information to open credit account with American Express. I filed three ( 3 ) depute with American Express. I have done all that they have asked of me during their investigation/process. 

Each times, all they have done is sent me something that said that I benefit from the account. 

How is it possible for me to benefit from an account that I never open or even know the person that used my identity to retained this account?!
Consumer complaint received 2024-07-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Since XX/XX/year> i enrolled by mistake in the big Scammer company as i ever see in my life Freedom Debt Relief ( XXXX ), and they call me every single day to offer me consolidated my debts to save about a 50 %. Now when i revised my dedicated account after XXXX moths and made a deposit of {$15000.00}, and the remain balance of my debt enrolled of {$17000.00} in XXXX enrolled debts, and XXXX resolved for {$11000.00} with XXXX upcoming of {$4800.00} the number are different from the beginning offer with {$21.00} fees, then increased at {$31.00} but they hide to me the scam and charge me every settlement with a fees biggest of the amount they said as reduction to date of {$6200.00}. i m feel very upset how this delinquent and thief company cheat the people and stole very easy the fund to delay the process and XXXX the credit of the clients because of their deceive practices. the number are clear on the attached documents i want they close my dedicated account and reimburse to me all the marked settlement fees stolen total {$2100.00}, they cheat on me like a fool and never advised me about this scam, now my debt is bigger from the beginning so i want the government help me to resolve this fraud. Now i start receive collection letters from account since XXXX this company was not paid due to the funds they illegally stole from me. this company advertised as a federal program endorsed to catch and fish the people to scam them and XXXX up peoples credit. 
please need your assistant in this matter Thank you
Consumer complaint received 2024-01-02
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)

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.

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 2023-12-29
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THOSE HARD INQUIRIES
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I closed my Bank of America checking account on XX/XX/year>. On XX/XX/year>, XXXX XXXX refunded me {$500.00} to my BOA checking account that was closed. BOA is saying they've never received the funds because my account was closed and sent back to XXXX, and XXXX XXXX is saying that the funds were " accepted '' from the bank. I've spoken with both parties for the past 2 months and requested emails and documents on this manner. 

I am also having the same issue with BOA and XXXX XXXX with the same timeframe. XXXX XXXX refunded me {$53.00} to my same BOA checking account that was closed. I have emails from XXXX XXXX on XX/XX/year> stating they have not received any funds back from BOA. BOA is stating they returned the money back to XXXX XXXX. 

I have XXXX airlines stating to me that they have not received back money from Bank of America.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (GA)

I applied for a personal loan from One Main Financial. I was told that I was approved for {$3100.00} without putting up any collateral. I was told that I could get up to {$11000.00} with collateral like a vehicle. I told them I did not want to put up a vehicle so I would take the {$3100.00} that would not include using my vehicle as collateral. I provided the financial statements that was needed to verify income, and was given a closing date for my loan for XX/XX/year>. The closing was scheduled to be a virtual closing. However, when the representative called, they wanted my vehicle information as to the year make model and XXXX numbers for them. At this point, I told them I did not see why this was required since it was only a {$3100.00} loan that did not require collateral. I was told that it was not for collateral purposes they just wanted to have it on file. my concern is if the financial statements and the credit report showed that I was approved then why was it necessary to have this information concerning my vehicles. This requirement led me to believe that they would use my vehicles as collateral, and I did not want that so I declined the loan. I believe the company was deceptive with their business practices.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I and a couple friends have had problems contacting Experian in the last several months. My current issue is that I am trying to sign up for XXXX. I finally discovered after several calls to Social Security that the reason I can not make an account is because my credit is frozen. I have tried numerous times and different ways to get through the Experian call tree, but it refuses to let me enter my PIN to unfreeze my credit or send me to an agent. I believe they are using AI to block me from reaching an agent. I may have to resort to making an online account to get signed up for XXXX as I can not get an appointment with Social Security until XXXX XXXX and my health insurance will cease to exist on XXXX XXXX. I don't hold a lot of hope that an online account will be the answer as two of my friends have online accounts and neither of them can access their accounts. One of them had an identity theft problem and was unable to reach anyone by phone at Experian. He finally contacted XXXX who contacted Experian for him as far as he knows. My other friend was being charged for an Experian membership she did not sign up for and had to get her credit card reissued to keep Experian from charging her for this membership she did not ask for because she was unable to get the problem resolved by calling Experian and unable to login to her account. 
Why is Experian allowed to get away with not providing phone support? 
All I am asking is for the freeze to be removed from my credit file so I can signup for XXXX. I shouldn't have to spend hours trying to navigate a phone tree that seems now to not send any callers to live agents.
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIZENS FINANCIAL GROUP, INC. (KS)

Resurrection of settled case XXXX on XXXX XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX sought restitution more than XXXX years after their client ( XXXXXXXX XXXX XXXX ) collected said property and stated the debt wasn't settled. XXXX XXXX XXXX signed a Notice of Satisfaction of Judgement on XXXX XX/XX/year> on behalf of their client Citizens Bank N.A. After XXXX years, they've made mistakes and now want to collect interest on settled debt. They have issued a Release of Wage Garnishment under XXXX. XXXX, XXXX. XXXX, and XXXX. XXXX.
Consumer complaint received 2024-06-29
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: JPMORGAN CHASE & CO. (CA)

Im writing to express my deep disappointment with the way my recent dispute was handled by Chase. This dispute pertains to a transaction dated XX/XX/year>, for {$500.00} with XXXX. The specific details of the transaction are as follows : order XXXX for {$410.00} and order XXXX for {$90.00}, total of {$500.00}, both placed on XX/XX/year>. 
There was no update on the orders for almost a week after they were placed. Upon contacting the seller through XXXX, I was provided with FedEx tracking number XXXX. The tracking information indicated a delivery to XXXX XXXX on XX/XX/year>, but nothing was delivered to my address. When I contacted XXXX, I was informed that my name and address did not match those associated with the provided tracking number, and they were unable to assist further. I have an audio recording of this call, which I can provide to support the investigation. 
I filed a claim with XXXX on XX/XX/XXXX and simultaneously with Chase. XXXX subsequently froze my orders and provided no further updates. However, Chase card dispute services conducted a superficial investigation, simply checking the online delivery status of XXXX tracking number XXXX. The delivery details indicate the package weight was XXXX lbs., while my order included XXXX bar stools and XXXX dining chairs, which should have weighed over XXXX lbs. Additionally, the delivery required a direct signature, and a person named XXXX, whom I do not know, is listed under proof of delivery. Despite these discrepancies, Chase concluded that the disputed charges were valid, and a rebill of {$500.00} was posted to my account on XX/XX/year>. 
I contacted Chase dispute services regarding this unfair outcome but was informed that my case had been closed and could not be reopened. The most frustrating aspect of this experience was that I was never contacted during the dispute process to provide additional information that could have facilitated a fair judgment. I was then advised to write a letter to request the reopening of my case, despite the evident misconduct by Chase card dispute services.
Consumer complaint received 2024-01-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota financial reprocessed my company car and then posted it on my credit report even though they sold the car already and its still showing the full amount due on my credit report which its illegal. This was a purchased car for my company and they had no problem putting this on my personal credit report with wrong information since they sold it already. This is owed by a business not my personal credit. They sold the vehicle and didn't send me money or any of the reverse payments that they showed in the transaction history. They didn't even inform me that they were going to sell the vehicle to give me a chance to buy it back as required by law! No communication was done nor was I provided a notice of repossession when they took my vehicle. My credit report is still showing I owe them close the XXXX dollars when that is not the case on my personal credit report when this was a business vehicle with XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

Trying to obtain new insurance, however price is very high as lexus nexis has inaccurately listed as me being at fault foXXXX XXXX  accidents. I was found 0 % at fault with my insurance company and I have both police reports. There is no clear way to contact them to fix this information. This is costing me a lot of money and I also can not be on my XXXX XXXX insurance due to this.
Consumer complaint received 2024-01-02
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)

Someone opened an account using my personal information and a fake address in order to take out a personal loan without my knowledge. I only became aware of this when a debt collection agency called me to say I owed {$8900.00}. I informed the company, XXXX, via phone call and a physical letter which I mailed on XX/XX/. I also froze my credit and reported the fraud to the credit reporting agencies as well as the fraudulent address that was being used with my name at the same time. I also emailed the debt collection agency with information about the fraudulent account and forwarded a letter to them which I had previously sent to XXXX regarding the fraud on XX/XX/. 

I still have yet to hear about the status of this situation.
Consumer complaint received 2023-04-06
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. (TN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute these inaccurate addresses that reporting on my credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Consumer complaint received 2024-07-23
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: TRUIST FINANCIAL CORPORATION (NJ)

Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally request the removal of unauthorized hard inquiries from my credit reports associated with your institutions. The details of the inquiries are as follows : Truist Bank Requested On : XX/XX/2024 These hard inquiries were unauthorized and do not align with my records with XXXX, XXXX, or XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically : Section 604 ( a ) ( 2 ) of the FCRA states that a consumer reporting agency may furnish a consumer report only with the consumers authorization. I did not authorize these inquiries, and thus, they do not meet the permissible purpose requirements outlined in the FCRA.

Section 611 ( a ) of the FCRA grants consumers the right to dispute inaccurate or incomplete information on their credit reports. These inquiries, not authorized by me and conducted without permissible purpose, are inaccurate and should be removed. 

Section 615 ( a ) requires that any consumer reporting agency must provide a consumer with notice when a negative credit report is used to take adverse action. Since these inquiries were not authorized, I did not receive such notice, which further supports the need for their removal.

I request that you promptly remove these unauthorized inquiries from all of my credit reports with XXXX, XXXX, and XXXX, and provide written confirmation once this action has been completed. The FCRA mandates that these matters be resolved within 30 days of receiving this request. 

Please contact me at the above address or phone number if you require further information or documentation to process this request. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (TX)

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights and all inquiries needs to be removed immediately : Inquiries : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

TO WHOM IT MAY CONCERN IM A VICTIM OF IDENTITY THEFT SOMEONE HAS MADE PURCHASES USING MY PERSONAL INFORMATION AND ITS BEEN A ON GOING BATTLE FOR OVER 10 YEARS