davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

in XXXX I made 2 purchases from merchant XXXX XXXX  CHARGE 1 : {$1600.00} and another CHARGE 2 : {$1300.00}. I then filed a dispute for both charges, for the CHARGE 1 : {$1600.00} charge I disputed {$1500.00} REF : XXXX and for CHARGE 2 : {$1300.00} I disputed {$1300.00} REF : XXXX .Later I was credited by the merchant XXXX  XXXX, they credited me {$1100.00} for CHARGE 2 : {$1300.00}. I then received communication from AMEX that I had won the dispute for {$1500.00} from CHARGE 1 and I was credited. Later, I received communication from AMEX that my dispute for {$1300.00} from CHARGE 2 was closed because the merchant XXXX XXXX had already credited me {$1100.00} towards CHARGE 2 I then filed a dispute for the remaining {$170.00} REF : XXXX that I was missing from the {$1300.00} dispute. I once again won the dispute and everything was in order. 

6 MONTHS later, I received communication from AMEX that since the merchant XXXX XXXX had already credited me {$1100.00} and since they had credited me {$1500.00} it meant that I had double credited. Which makes no sense since the merchant originally credited me {$1100.00} towards CHARGE 2 and AMEX credited me {$1500.00} towards CHARGE 1.Now If the AMEX is claiming that the credit XXXX XXXX in the amount of {$1100.00} was towards CHARGE 2 is really meant for CHARGE 1 then that means that my original dispute of {$1300.00} for CHARGE 2 was never credited as AMEX had originally claimed and was closed incorrectly. I tried multiple times to get someone from AMEX to understand this issue, they claim they do and the customer service rep agrees with me that this should not have happen and I should not be rebilled {$1100.00}, But every time the dispute goes to their back end team, I receive an automated response stating the same thing every-time, completely ignoring my issue and they don't even bother to look at the proof I'm providing, where you can CLEARLY see that the product for CHARGE 2 {$1300.00} was sent back to the merchant because XXXX was UNABLE TO DELIVER. Its completely ridiculous that AMEX wants me to be liable for {$1100.00} for product that I don't own. Very stressful situation that AMEX is putting me thru and to make matters worse, this is going to heavily affect my credit score by putting me at an utilization of over 50 %.
Consumer complaint received 2023-11-21
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry : XX/XX/2023. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-10-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NY)

Re : Account # XXXX Dear Ability Recovery Services OnXX/XX/2014 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX, verification requires all of the following : 1 ) Proof of my agreement to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor ; 3 ) A breakdown of the total amount due, showing principal, interest, and other charges ; and 4 ) For all other charges, the date of and the basis for each charge.

I dispute this collection because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, I have disputed this account with you numerous times and its still reporting on my credit report XXXX  and XXXX. 

Ability said that they deleted the collection but after waiting more than 14 days this collection is still reporting. That is a violation. I will have no choice but to report your company to the FTC if this collection isnt deleted off XXXX and XXXX in 30 days. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX XXXX XXXX XXXX ( section 5-77 ) require that you honor this request. 

Sincerely, XXXX XXXX XXXX Cc : Ability Recovery Services Federal Trade Commission Consumer Response Center XXXX XXXX XXXX Department of Community Affairs
Consumer complaint received 2023-11-21
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$290000.00}.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2018 I was approved for a XXXX XXXX card through Capital One. I received my new card on about the XX/XX/2018 and I tried to activate it, I contacted Capital One and they told me to attempt to make a purchase, and if it wasnt working then to call their customer service line. On the XX/XX/XXXX I called their customer service line and I was informed by an automated system that a new card was currently being sent through the mail to my house. Confused, I messaged Capital One again and they told me to call their customer service line. Frustrated, I decided to just wait until my new card got to my house. On XX/XX/2018 I called their customer service line to ask why my card hasnt been delivered yet and told them about my situation. The man was confused why they said they were sending me a card, and was somehow able to activate my card. After that phone call I made a purchase of about {$60.00}. Sometime in the beginning of the month of XXXX, I tried to link my XXXX XXXX card to Capital One so I can make a payment, it wasnt working. I called them once again, and the man explained to me how to link it and what website to go to. I tried a great number of times over the next couple weeks hoping it was just the website crashing. I thought maybe it was the device I was using so I tried on my XXXX, laptop, and even a computer. Nothing was working so I called Capital One on about XX/XX/2018. They said they needed to send me a new card but they couldnt until I made a payment. I didnt have the time to get my bank account information right then and there, and I was frustrated because they wanted me to pay a late fee so I told the lady Id call again. I waited until I had more time to figure out the details, which was on XX/XX/2018 so I called and I paid everything off except the late fee. They told me they couldnt waive my fee because they already had the month earlier for the same exact reason, the supervisor understood and was empathetic but she explained that she didnt have the authorization to waive fee. I have never had a late payment on my credit report. This is the only problem Ive ever had with a missed payment, and it was because there was a whole lot of miscommunication and confusion.
Consumer complaint received 2023-11-21
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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. (OH)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A : It alsos 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 items of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2018-10-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (TX)

They call me every single day begining at XXXX XXXX all the way until after XXXX XXXX i receive about 6 calls a day for almost 2 months now. i have already told them to stop callimg me because my phone number they are calling to belongs to my XXXX year old son. So instead they will put a vocie machine to talk for me to contact them.
Consumer complaint received 2023-07-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (NV)

I was interested in refinancing my current mortgage, I was working with Mutual of Omaha. I spoke with representative on XXXX and was told I qualified for refinancing. I spent a week gathering and faxing documents over to company. My credit score is XXXX and I am a single female. Ive been paying on the current mortgage for 17 years with no missed payments and no late payments. I made XXXX last year and everything was going along fine until today. Now all of a sudden they tell me I dont qualify. I feel as though they are treating me like i dont qualify because Im female.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (NY)

The landlord has sent a collection after there is no residence or rental months for the time of the collection at all for the address. My residence and rental was paid in full at a different address as of XXXX of 2023. The landlord used pesticides to vacate the unit, then sent demands for the unit to be unoccupied for more pesticides to be sprayed inside the unit. The pesticide is not pet or person friendly and causes medical conditions including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

I am a victim of fraud. I filed a police report with my local Police Dept. Discover first credited me for the fraud and then charged me with the fraud on the replacement card. I now have a XXXX point drop in my credit and the fees and interest on the Discover Card continue to accrue. 
I can provide proof that Discover removed the fraudulent charges. 
I can provide a copy of the Police Report. 

I canceled the Discover Card. 

I am still being harassed by monthly bills, interest, penalties and my credit destroyed because of Discover. 

Thank you.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AK)

My student loan that has been PAID IN FULL continues to be passed around. One company said they stopped servicing it and gave it to another. Another company said they had it for a short while and now don't know where it has gone. One company said they got it because it was in DEFAULT status, which is NOT ACCURATE. It was PAID IN FULL and I have documents showing it was paid in full. 

I am not sure how or why this inaccurate information continues to get passed around and continues to show up on my report, but it needs to stop PERMANENTLY! 

I have PAID MY DEBT IN FULL!
Consumer complaint received 2023-11-21
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Request for Removal of Fraudulent Accounts Dear Trans Union, XXXX, XXXX I am writing to inform you that I, XXXX XXXX, have been a victim of CPN ( Credit Profile Number ) theft. Multiple accounts have been opened, closed, and maintained in good standing without my authorization. I have no knowledge of the individuals responsible for these actions. My address was used but a forwarding address was submitted in connection with this scam. 

Below is a list of the fraudulent accounts that appear on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the local police, and I have been advised to file a complaint with the XXXX ( Consumer Financial Protection Bureau ). My CFPD complaint number is [ XXXX XXXX Complaint Number ]. 

I have attempted to resolve this matter directly with your bureau, but I was informed that providing the XXXX complaint numbers is necessary. Therefore, I kindly request that you investigate these fraudulent accounts and remove them from my credit profile at the earliest convenience. 

Please find attached copies of relevant documentation, including the police report and any other supporting evidence. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a formal complaint against XXXX and TransUnion for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. TransUnion has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I am writing to express my frustration and disappointment with Fifth Third Bank for charging me excessive fees after my car loan term has ended. 

On XX/XX/XXXX, I took out a car loan for {$55000.00}, with an interest rate of 7.24 % for a XXXX term with Fifth Third Bank, for a new XXXX XXXX XXXX. The regular monthly payment was fixed at {$910.00} but usually, I paid {$950.00} on time, never late. I made the first initial payment on XX/XX/XXXX, and just submitted the last payment today XX/XX/XXXX. 

Despite fulfilling all of my payment obligations, I have been hit with unexpected and unreasonable charges of {$3400.00} that have been a significant financial burden. 

Additionally, I have repeatedly requested that Fifth Third Bank release my car title now that the loan has been paid off in full. However, they have refused to do so, causing further stress and inconvenience. 

I expect Fifth Third Bank to rectify this situation immediately by waiving the excessive charges and releasing my car title without any further delay. However, their failure to comply has forced me to report this unethical behavior to your authorities and explore avenues to seek legal action.
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds (FL)

I was under the assumption that my student loans were paid off. I have contacted the US dept of education ( which have been very helpful ). Because they service my loan now. Which should be at a XXXX balance. The problem I am having is United States Aide funds will not send me a transaction history now. I am disputing my balance that they sent the US dept of education that I supposedly still owe. I have recorded phone calls of representatives hanging up on me and supervisors avoiding my calls. I have two voicemails currently waiting to be answered. On a second note I tried to rehibilatate my loan early in the loans life. I made the required payments and faxed them the contract they sent me only to be told I had to go through the rehibilitation program again. I told them I would not be dealing with them and they can take it out of my taxes. Keep in mind this was as far back as XX/XX/2008. Now I am running into the same runaround as back then. They refuse to give me any information on getting a transaction history from them. 
They keep forwarding me to the Us dept of education since they are now my ( should be paid off ) loans servicer. USAfunds is a joke with customer service and am also sure they are/or have violated many federal collection laws during the terms of my loans with them. My loans should be paid off and I can't get them to send me any info concerning my account. Please help me!!! 
XXXX
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (AZ)

I changed my phone number in XXXX. I do not have or use a smart phone, thus no texting. I can not log into Experian.com because I can not receive a confirmation text at my current or old phone number and can not receive a confirmation call at my old phone number which is now incorrect in my Experian profile. When I called Experian, I could not get past the computer to reach an agent ( 3 tries ). They must have a way to reach an agent to fix my login access.