davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/ around XXXX XXXX, I received an email from Bloomingdales credit card service and informed there was a store purchase for {$3100.00} on XXXX cosmetics. It is at their XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York store location. But I was home and did not make this purchase. I immediately called Bloomingdales and filed a fraud claim. It was a presale until XXXX XXXX informed Bloomingdales to stop the transaction. On XXXX  I went to the local Police office and filed a police report. On XX/XX/3, I saw Bloomingdales still posted this fraud transaction. I called Bloomingdales on XX/XX/ and questioned why they didnt stop the transaction and still released the product to the criminal. They could not give me a clear explanation. I am very disappointed about the way that Bloomingdales handled the issue although I informed them when the fraud happened immediately. They still let the criminals took the products and posted charges to my store credit card. It is absolutely unacceptable!
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (OH)

This car was sold in violation of the state lemon laws. I followed proper procedure and can not be held liable for the dealerships deceptive practices according to the law. Remove the false status and update for 100 % accuracy. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-04-21
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2024-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (GA)

I made a complaint to reverse consolidation and was denied by Navient Student Loans. They have documentation verifying my husband is the endorser. I am forced to pay his loans even though we have separate bank accounts and finances It is not fair. Navient could rectify this by separating spousal loans if both parties agree to it.
Consumer complaint received 2018-08-09
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: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX I applied for the American Express Blue Cash Back card as they were offering a promotional deal - {$150.00} statement credit after you spend {$1000.00} in purchases on your new Card within the first 3 months. I was approved for the card and made over {$1000.00} in purchases in the first 3 months. 

I have not seen the promotional credit still as of XX/XX/XXXX. I have communicated with American Express multiple times. They have claimed to investigated the issue ( ID XXXX ) and determined the offer was not available when I applied. I do know that the offer has been around since at least XX/XX/XXXX, and is still available on their website today. 

American Express has also acknowledged a problem with my account failing to accrue any rewards points for my purchases. They have offered to credit me 1 % of my purchases. I decline this offer, as I am entitled to the {$150.00} statement credit offered, which is what got me to apply for their product.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (VA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. 
It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Consumer complaint received 2024-05-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Albert Corporation (GA)

Once again, I have been charged twice for one purchase due to the authorization hold at a restaurant not being released despite the original transaction clearing and posting to my account. The transaction occurred XX/XX/2024. And after 7 days, I was told I would have to Wait 7 more days for the transaction to be reviewed and payments released
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I ask Moneygram about the reinbursement of s cancelled transaction reference number XXXX on XX/XX/XXXX. XXXX. For the amount of XXXX dollards. They never reinvursed the money
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (TX)

Errors on my report with following : 1 ) XXXX XXXX 2 ) XXXX XXXX  / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX  {$170.00} 4 ) XXXX XXXX, XXXX XXXX XXXX {$420.00}
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (ID)

I signed up for an app which had a trial for XXXX XXXX I entered my payment info for that XXXX XXXX charge and at the last page there was another button to charge me XXXXXXXX XXXX  instead without any warning or confirmation, I fat fingered the button and I then was charged. My bank CHASE looked into it and I gave all the info I could as I did not approve of the XXXXXXXX XXXX charge. CHASE did not resolve the issue and the money that was stolen from me remains taken from me.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I get a letter from 53 Bank talking about they were closing my account after I was on the phone with them saying I need to know what charges are making my balance {$200.00} when I haven't used it, and they said the only charges they showed were just answer charges of a combined charge of {$70.00}, and those charges were credited back! 

So no 53 Bank shouldn't be allowed to close my card with charges that aren't mine : because I am not paying for {$200.00} charges that aren't mine, and the 53 rep couldn't find where the charges are coming from!
Consumer complaint received 2023-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I received the debt on XX/XX/2023 to which I disputed the debt stating that insurance covered the cost and provided them with the information to show the insurance policy as well verification of coverage and policy inclusions for the services. 

XX/XX/XXXX they were sent an email to dispute the debt. Also asking for how they received my information without my consent. I never provided them my address so how were they able to contact me. So it was an invasion of my privacy. 

XX/XX/XXXX was a follow up to a mailed letter that I have never received confirmation of receipt from the creditor. Have also never received any information to follow up to any update on their records as well.
Consumer complaint received 2023-12-20
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)

My social is XXXX XXXX XXXX, and on or around XX/XX/XXXX XXXX, and XXXX neglected my attemps to have false information and unsolicited credit checks removed from my accounts
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

I have reached out to Midland Credit Management Company # XXXX and XXXXXXXX XXXX # XXXX numerous times concerning the Per Federal Law, to complete 30 days to complete a investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ), to verify through physical verification of the original signed consumer contract and / or judgments. I have sent certified letters and never received the proper documentation that I request from Midland Credit Management # XXXX and XXXXXXXX XXXX # XXXX, that are reporting on XXXX, XXXX and XXXX. I have enclosed the documents that I mail out to the bureaus. If they can't see me the documents, please delete from my credit reporting.
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: EQUIFAX, INC. (GA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Bank Of America, I am writing to address a concerning matter regarding an inquiry reported by Bank of America, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. Firstly, I require documentation proving that I provided express written consent for Bank Of America to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Bank Of America to remove this inquiry from my file within four business days. Furthermore, it has come to my attention that Bank Of America neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Bank Of America. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2023-10-14
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: Atlanticus Services Corporation (FL)

I closed my Aspire credit card on XX/XX/23. The account has been reporting wrong for the past two months! Its still reporting open, still reporting a high utilization and as of XX/XX/23 a late payment was reported! This has damaged my XXXX credit XXXX! At the time of my account closure on XX/XX/23 my payments were current and not late! I have disputed three times with XXXX and they say aspire says its open! But when I contact aspire they send me emails confirming the account closure date and I send that to XXXX and nothing gets fixed! I was denied an apartment due to this error hurting my credit! I just get generic responses from aspire customer service or they deflect the issue!
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My card was stolen and used at an atm in XXXX without my permission after I had come back from vacation. Capitalone refunded money temporarily while the investigation was ongoing, but reversed the credits months later. They cited that the card was used at a chip enabled atm, but they had my card. Of course they could use the chip. They had the card. Especially if they also got my pin while I used an atm.
Consumer complaint received 2024-05-03
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: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/1992 XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX GA XXXX I have received Lexis Nexis rebuttual to my dispute letter. Lexis Nexis failed to do a proper investigation under XXXX XXXX XXXX XXXX XXXX definitionof a consumer investigation which I have attached this dispute. This law states investigative consumer report ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This law states that Lexis Nexis can not use XXXX as an consumer investigation to verify this bankruptcy reporting on my credit profile which makes this bankruptcy unverifiable. Under 15 USC Code Section 1618i ( 5 ) ( a ) ( i ) Procedures in case of disputed accuracy states treatment of inaccurateor unverifiableinformation if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information to be inaccurateor incomplete or can not be verifiedthe consumer reportingagency shall promptly delete that item of the information from the file of consumer. Also I have reached out to the bankruptcy court of Georgia and they stated they do not provide information to credit reporting agencies including Lexis Nexis. This inaccurate bankruptcy is ruining my credit worthiness to purchase a home. I am XXXX percent XXXX military veteran and it I am currently homeless because I cant get a home or apartment due to this inaccurate bankruptcy. 
I requesting that Lexis Nexis delete this unverifiable bankruptcy from my credit report Under 15 USC Code Section 1618i ( 5 ) ( a ) ( i ) Procedures in case of disputed accuracy Once the bankruptcy is removed from my credit report. Can Lexis Nexis please send me an updated Lexis Nexis report via mail. 



Thank you XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (MN)

Apple MasterCard advertises 3 % daily cash back on select merchants such as XXXX but in reality, only gives 1 %. On XX/XX/XXXX transaction of {$99.00} received a 1 % cash back of {$0.00} rather than 3 % ( {$2.00} ). 

Apple XXXX cash back term stated on their website : " XXXX : 3 % Daily Cash is available for purchases using Apple Card with Apple Pay in XXXX U.S. stores, and bill payments and AutoPay on XXXX and in the XXXX app. Authorized XXXX dealers are not eligible for 3 % Daily Cash which can be found on XXXX XXXX account payments, and purchases made through any XXXX checkout, including those at XXXX U.S. stores, are not eligible for 3 % Daily Cash. '' But then on the actual transaction only gives 1 % back. I made a formal complaint on XX/XX/XXXX for the XXXX monthly bill payment made on XXXX using the credit card. on XX/XX/XXXX apple determined no error occurred. I called the apple card specialist and they said that you only get 3 % when using apple pay but the term stated above says in bill payments on XXXX. This is the false advertisement that influenced me to get the credit card.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MI)

The Bureaus did not properly investigate my account with LENDCLUB BNK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.