davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (DC)

I am an account holder with American Express and use their Gold card for day to day purchase. When I opened the card in XX/XX/, I was sent a paper version of cardmember agreement, a legal document enlisting all the rights and benefits of the credit card product, to my address. I took my time to read all the provisions of the cardmember agreement, in which I found that I am entitled to two additional benefits, previously unknown to me when I applied for the credit card application : a ) " Trip Cancellation and Interruption Insurance '' b ) " Cell Phone Protection ''. 

On XX/XX/, the flight ticket I purchased via the aforementioned American Express Gold Card was cancelled due to the weather conditions. I had to come up with alternative transportation, so I went ahead and booked last minute train tickets taking me to the same final destination, for {$200.00}. I arranged the train alternative under the impression that my Gold Card 's " Trip Cancellation and Interruption Insurance '' benefit will help me offset the {$200.00} cost. Having this in mind, I called American Express customer service to help take advantage of the said insurance benefit - only to find out that this benefit is offered on American Express 's other credit card products, but not Gold Card. 

This directly contradicted the provisions on the paper cardmember agreement I received, and I tried to explain the situation the customer representative as much as I could- the best they did was to open an investigation case. I never heard back about the result of the case, as I was not offered opportunity to prove my case by uploading the photos or scanned version of the paper cardmember agreement I had in possession. I followed up two weeks later, and apparently the resolution was made for the investigation case without any further inquires to me - I was not given any word or had chance to showcase an input. The customer representative kept reassuring me that they have a dedicated professional team of experts thoroughly investigating any case presented at them. I found it very hard to believe, feeling absolutely helpless I decided to cut the call short - I was not compensated in any way for the interrupted flight and my investigation was never properly looked into. 

CFPB is my only hope now. I am attaching the photos of the paper cardmember agreement I have which explicitly states that I am entitled to the two aforementioned benefits - the benefits that American Express refuses to provide me, as apparently these benefits are provided with other products, but the Gold Card I own.
Consumer complaint received 2023-09-02
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681

section 602 A States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX and Texas State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. 5 U.S.C. 552a ( b ) - THE PRIVACY ACT OF 1974 In accordance with the requirements of the Privacy Act of 1974, as amended, 5 U.S.C. 552a, the Securities and Exchange Commission gives notice of the amendment of its system of records for Enforcement Files ( SEC-42 ) to clarify its routine uses with respect to disclosures related to the collection of amounts ordered to be paid in civil and administrative proceedings, to incorporate a statement regarding disclosure to consumer credit reporting agencies, to update statutory and regulatory references in certain routine uses, to update addresses of system administrators, and to identify exemptions from disclosure that have been claimed for this system of records under the Privacy Act. There is no 3rd Party involved.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to express my continued frustration and disappointment regarding the delayed removal of fraudulent items from my credit file, despite our previous attempts to rectify this issue. 

The presence of fraudulent items on my credit file not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. Despite the assurances provided during our previous communications, I have yet to see any tangible progress in resolving this matter. 

I urge you to prioritize the investigation and removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

On XX/XX/2023 I received a letter from a debt collection company called Credit Management. It was late in the evening, so I called them the next day at XXXX XXXX. I got through to them and spoke to a female representative. After we arrived at a agreement about repayment, I asked for a confirmation in writing and I was told " WE don't do that. '' I informed the representative " if you want money, you have to send me paperwork ". She then informed me that '' you will receive a email confirmation in 24 hours. '' I never received anything from them. 

On XX/XX/2023 I received a phone call from Credit Management and the male representative, who barely spoke English, wanted to know when was I going to send them money. I asked when was I going to receive paperwork verifying the debt and showing the agreed payment plan as I was promised. He told me that " We don't send paperwork ''. I told him " It is my right under Federal Law, according to the FTC ''. He replied " we don't send paperwork ''. He the demanded to know when was I going to send money and I replied " If you want money, then you have to send me paperwork, it's a simple equation. I then hung up the phone.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

This is a compliant filed against Chase Bank. Chase closed my account and hold my fund due a cleared/ funded check from XXXX. 

On XX/XX/XXXX, my friend issue a Check, amount {$21000.00} from XXXX. 

Around XX/XX/XXXX, I deposited into my Chase bank, and Chase on hold this Check ( Normal process ). 

On XXXX XXXX, the check cleared, the issuer from XXXX releases the fund, and XXXX receives the full fund. 

On XXXX XXXX, Chase closed my account, reason is unable to verify this check with the issuer.

The issuer doesn't have Chase account, and I provide his phone number to Chase, which was used to register in his XXXX account, but Chase said phone number unable to verify, that Chase can not call this number. 

Then Chase let issuer contact XXXX, to file a fraud cliam to recall this money back and make a statement said this is a valid check not a fraud, then pay me in another way ( wire ), but this is a vaild tranciation, issuer unable to file a fraud cliam in XXXX. In the same time, XXXX already verified check and released the fund, Chase has no reason to hold itXXXX XXXX can send a fund verification letter by fax to Chase, but Chase does not accept it. 

On XXXX XXXX, Chase closed my account without period notice, and still on hold this cleared check.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECKredi of Kentucky, LLC (GA)

Well before they even contacted me the company used my bank routing information and account number which they got from the primary company to charge my bank account for the debt. They never informed me of this, and the charge bounced. Thankfully my credit institution doesn't charge overdraft fees. When they did contact me they contacted me daily via phone and email about the debt. I finally just paid it to get them off my chest.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (NJ)

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following ITEMS from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-08
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)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation. and ( modify or delete ) the disputed information as I requested before the end of 30-day period on the date on which you received my dispute complaint. ( XXXX and XXXX  ). Instead of sending me a response letter with my results of your investigation of the disputed information you closed out my complaint still with no resolution. 

XXXX {$0.00} ( NOT MINES, NEVER APPLIED FOR THIS ) SECURITY CREDIT SERVICES {$550.00} ( past due dates don't match, term dates, opened dates ). No contract provided in written with my wet sign signature. 

XXXX XXXX Account over 8 years and showing past due on a repossession, balances don't match and payment history. No written contract provided with my wet signature. 

Names not corrected. My name is XXXX XXXX XXXX, DOB XX/XX/XXXX and only address is XXXX XXXX XXXX. I have requested several times to have this updated. Also to remove any old telephone numbers Clearly, you have willfully failed to modify or delete the disputed information as i requested. In lieu of modifying or deleting the disputed information, you willfully failed to conduct a reasonable investigation of my disputes because it meets FRCA guidelines. 
However, your excuse or assumption is not a valid reason under the FRCA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irritant. Nor have you sent me a notice of such determination that complies with the FRCA. Furthermore, I directly disputed the completeness and /or accuracy of information contained in my consume file as per the FRCA. Your failure to reinvestigate is an intentional and /or negligent FRCA violation. 

As a result of you conduct as described above, you shall promptly ( modify or delete ) the disputed information. Additionally, as per the FRCA, you are liable to me for damages for you conduct. Thus, in addition to you ( modification or deletion ) of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. According to 15USC 1681N 9 ( A ) ( 1 ) any actual damages sustained by the consumers a result of the failure or damages of not less than {$1000.00} per violation. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within ( 14 days ) days. ( 1 ) ( modify or delete ) the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( XXXX ) send me the {$1000.00} check to my mailing address above. 

Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (IL)

Experian credit bureau shows account opened with XXXX XXXX XXXX on XX/XX/23 which is incorrect and I have no knowledge of this. Ive disputed with Experian and their final results show as accurate. Ive contacted XXXX XXXX directly and provided my personal information to them but they have no record of me.
Consumer complaint received 2024-04-22
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. (MA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XX/XX/2024 Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. According to the Internal Revenue Service ( IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. XXXX XXXX XXXX ( XXXX XXXX XXXX ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (TX)

While in XXXX, XX/XX/XXXX, XXXX I tried to make a purchase through XXXX  and the card was declined due to multiple attempts when the card was actually only used once so maybe Federal froze not only my XXXX XXXX card but my cash rewards card, and then they not provide in service to resolve the issue by placing me on hold for 20 to 30 minutes at a time. As difficult to get a hold of them or that department while in XXXX, there shouldn't be a 60 minute 30 minute let alone 20 minute wait time for somebody to pick up the phone to resolve the issue.
Consumer complaint received 2023-04-26
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I am writing to bring to your attention my concerns about Nissan Motor Acceptance Company 's ( NMAC ) practices regarding the sharing of personal nonpublic financial information of its customers. As a customer of NMAC, I have been made aware of their information-sharing practices, which I believe may be in violation of federal and Maryland state laws. 

The Gramm-Leach-Bliley Act ( GLBA ) is a federal law that requires financial institutions to safeguard the personal nonpublic information of their customers. The GLBA mandates that financial institutions provide privacy notices to their customers explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I am concerned that NMAC 's privacy notices do not adequately explain their information-sharing practices and do not provide customers with a clear opportunity to opt-out of having their information shared.

Additionally, the Maryland Confidentiality of Personal Information Act regulates the disclosure of personal information by financial institutions in Maryland. It requires financial institutions to provide customers with privacy notices explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I believe that NMAC may be in violation of this law by not providing clear and concise privacy notices to its customers.

I urge the CFPB to investigate NMAC 's practices regarding the sharing of personal nonpublic financial information and take appropriate action to ensure that NMAC is in compliance with federal and Maryland state laws. It is imperative that consumers ' personal information is protected and that companies such as NMAC handle this information responsibly.
Consumer complaint received 2023-08-08
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. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have not gave authorization for the accounts that are listed below. Please investigate and provide proof with statements showing that I authorized these inquiries. If proof can't be provided I demand these INQUIRIES BE DELETED. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX