davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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. (PA)

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

Accounts name # XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( transunion XXXX XXXX XXXX XXXX  XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Accounts name # XXXX XXXX ( XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX Accounts name # XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX 1681 section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. 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 2023-06-22
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) IN COLLECTIONS GENERAL REVENUE CORP I OWE THEM {$160.00}.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX, while logging into my American Express account to review transactions for my Blue Preferred card, I stumbled upon an annual membership fee of {$250.00} charged to my American Express Gold card, a card I had previously considered inactive. At the time, I possessed limited recollection of the Gold card 's details, including its application date and when the membership fee commenced. 
Immediately, I initiated contact with American Express customer support ( XXXX ) to apprise them of my lack of awareness regarding the active membership and to formally request a refund for the charged fees. Despite my persistent efforts, my refund requests were consistently denied. 
A subsequent investigation into the matter revealed that I had applied for the Gold card in XXXX. In XX/XX/XXXX, American Express implemented an increase in the annual membership fee to {$250.00}, as communicated to cardholders through written notices. Cardholders were provided with the option to reject this fee increase by contacting American Express before XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
My personal records, including a to-do list from that period, corroborated my proactive response in XX/XX/XXXX. These records indicated that I had indeed contacted American Express during that time to reject the fee increase and cancel the Gold card membership. Following this action, I never used the card again and thus stopped reviewing its credit card statements. 
In contrast to my understanding and actions, American Express continued to levy the annual membership fees from XXXX to XXXX, accumulating a total of {$1200.00}. These charges were executed through an autopay link originally configured for another active American Express card. 
In response to this situation, I sent American Express a formal letter, detailing the events that had transpired and explicitly conveying my request for a full refund of the {$1200.00} erroneously charged over the course of five years. While American Express did respond to my letter by agreeing to refund the membership fee for the current year, I find American Express 's response to be insufficient and not a complete solution, I am therefore pursuing support from the relevant authorities to ensure a fair resolution to this issue.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AK)

I have notified Equifax of my XXXX XXXX XXXX  and they still are allowing collection accounts on my credit report in an illegal attempt to collect on the debt filed in bankruptcy court. I notified Equifax of bankruptcy XXXX   and have disputed all collection accounts, yet they refuse to follow federal law. For example XXXX XXXX  was declared bankruptcy yet they have still allowed XXXX to report it late even tho bankruptcy was reported prior to any late payments. Also they are still allowing XXXX XXXX XXXX XXXX a collection account to remain on the credit report with a balance even after I have given them court docs showing bankruptcy. Equifax is illegally allowing balances to be listed and for them to continue to try and collect debts even after bankruptcy blatantly defying federal law. If this isn't rectified immediately I will be informing my XXXX  attorney and the court of this illegal actions and taking legal action against Equifax.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX, XX/XX/2023, I applied with American Express via the phone and was approved for their XXXX XXXX XXXX American Express XXXX credit card product. 

On that same day, I spoke with their customer service agent to confirm my eligibility for that card 's welcome bonus promotional offer. 

That customer service agent 's name was XXXX, and they worked for the XXXX XXXX XXXX department XXXX American Express. They re-confirmed that I was indeed eligible for the welcome bonus promotional offer. 

By XX/XX/2023, I had accrued enough purchases on the credit card product to meet the spending threshold for the welcome bonus promotional offer. Yet on the latest card statement, I did not receive the offer as expected. 

I escalated my case to American Express directly on XX/XX/2023. I received the following case number : XXXX. I called American Express again on XX/XX/XXXX and was informed that their internal department closed my case without any further resolution or goodwill effort to compromise. They stated the reason for doing so by quoting a discretionary / vague section of their terms and conditions, despite the fact that I was verbally assured in a recorded conversation that I was entitled to the welcome bonus promotional offer. 

The agent on the phone refused to help me any further and instead could only give me the investor relations address of American Express : " XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' They told me I should write a paper letter to escalate my grievance further. 

I did not find this to be an acceptable outcome nor a proper escalation of my case, so instead I am now initiating a CFPB complaint. 

Personally speaking, I feel like I've been scammed into using American Express 's credit card product and helping their bottom line with the fees that they charge merchants as part of their general business model.
Consumer complaint received 2023-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

I made a " validation of debt '' request via a recorded phone call to XXXX to " Cedars Business Services '' on XX/XX/XXXX at XXXXXXXX XXXX  PT. I called after receiving an email from " Cedars Business Services '' on XX/XX/XXXX about a debt from XXXX I did not recognize. This call was recorded, and I was told that this debt would be placed on " hold '' and I would receive validation of debt via email. I NEVER received the validation of debt. Per California consumer protection laws, this validation of debt had to be provided within five ( 5 ) days. On XX/XX/XXXX 100+ days from the initial validation of debt request that was never sent to me I received an email alert from XXXX that my credit score had been affected by debt collection. Furious, I called another phone number registered to " Cedars Business Services '' at XXXX at XXXX XXXX  PT and asked why I had not received the validation of debt within the required timeframe and " Cedars Business Services '' had illegally submitted debt collection to my credit report. I received no clear answer. Once again, this call was recorded. This is well past the five ( 5 ) day legal requirement of validation of debt. Upon requesting the validation of debt once again, I still have not received it. As the laws indicate, " Cedars Business Services '' has violated consumer protections for two reasons : 1 ) Upon initial request on XX/XX/XXXX, they did not send the validation of debt within five ( 5 ) days ; 2 ) As mentioned in a recorded call with a representative of " Cedars Business Services '' on the aforementioned date of XX/XX/XXXX, the organization at " Cedars Business Services '' had illegally put debt collection on my credit report despite never sending validation of debt as promised over email.
Consumer complaint received 2023-09-14
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. (FL)

In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-05-06
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: STATE EMPLOYEES CREDIT UNION (NC)

Back in 2023, my husband and I have decided that we want to take the necessary steps of buying a house and pulled our credit reports to see make sure it was in good standings. I am writing to file a formal complaint regarding the actions of State Employees Credit Union ( SECU ) in relation to my account ( XXXX ) and their failure to provide necessary documentation, as well as their wrongful reporting practices, which have had severe consequences on my financial stability and well-being. 

According to Section 15 USC 1681 ( g ) of the Fair Credit Reporting Act ( FCRA ), consumers have the right to request and receive a copy of any XXXX forms for XXXX debts. Despite repeated requests to SECU, I have not received the required XXXX forms for the charge off ( XXXX ) associated with my account ( XXXX ). This failure to provide essential documentation has left me in a precarious financial situation, impacting my ability to provide for my family and jeopardizing our well-being. 

Furthermore, under Section 15 USC 1681 ( a ) ( XXXX ) of the FCRA, creditors are obligated to provide accurate information to credit reporting agencies. However, SECU has wrongfully reported these charge off accounts, which have had a detrimental effect on my XXXX XXXX and financial standing. This inaccurate reporting has exacerbated the challenges I face in maintaining my financial stability and has hindered my ability to access necessary credit and resources. 

Additionally, I have submitted disputes regarding these fraudulent accounts to SECU. However, despite my efforts to rectify the situation, SECU has continued to report these disputed accounts, further damaging my XXXX XXXX and exacerbating my financial hardships. According to FCRA regulations, reporting on disputed accounts should be suspended until the dispute is resolved, yet SECU has disregarded this requirement, causing significant harm to my financial well-being.

Therefore, I urge the Consumer Financial Protection Bureau to investigate these violations of the FCRA by SECU and take appropriate action to ensure that my rights as a consumer are upheld. Specifically, I request that SECU be compelled to provide the necessary XXXX forms for the charge off ( XXXX ) in question and that the wrongfully reported accounts be removed from my credit report immediately. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and protect consumers like myself from unjust and harmful practices by financial institutions.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX I WAS ASKED TO SUBMIT MORE INFORMATION i SENT VIA XXXX AS I COULD NOT FIND THE UPLOADING KEY- THUS- THE JUDGE IN PROBATE AS THERE WAS AN ORDER - AND HEARINGS AND I FILED TO BE ADMINISTRATOR OF MY HUSBAND 'S ESTATE AND THE ATTORNEY FOR THE CREDITOR TOLD ME AS LONG AS I KEEP WORKING WITH SELECT PORTFOLIO SERVICING Inc. AT A HEARING - WHERE I BROUGHT WITNESSES TO THE HEARING AS ALL I NEEDED WAS A SWORN STATEMENT OF HEIRSHIP. AS THE XXXX  I HAVE ALL I NEED TO PROVE THAT- AND COULD NOT TRANSFER THE DEED- BECAUSE = FOR XXXX YEARS i TRIED TO SEE THE JUDGE- BEGGING AND- ONLY SECRET HEARINGS AND IT WAS TO KEEP ME AWAY FROM MY RIGHT TO DUE PROCESS- TO BE HEARD, AND TO THE EQUAL PROTECTION- TO BE FREE FROM THE DESTRUCTION OF MY HOME BECAUSE THEY DID NOT WANT NE TO LIVE THERE- SO WITH YOUR HELP HERE- AND CFPB- I WAS able TO GET THE HELP-TEMP - AS THEY WENT BACK TO FALSE PROMISES- THAT PUT ME IN THE XXXX-i AM NEEDING TO KNOW WHY AS THE " XXXX XXXX DID I NOT GET THE RIGHT TO BE HEARD? AS IF THE HEARING IS CANCELED- WHERE DID THAT ORDER COME FROM- AS i TRUSTED THEIR ATTORNEY WHO SAID NO FORECLOSURE AS LONG AS i KEEP TRYING-
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

XXXX XXXX JEFFERSON CP XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CP  received notification to delete negative items off of Credit Report. Unfortunately, negative items still remain on my XXXX credit report violating : - Section XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ) of Title XXXX of the United States Code ( 15 USC 1681i ( XXXX ) ( B ) ( XXXX ) ( XXXX ) ) relates to the reinvestigation process that consumer reporting agencies must undertake when a consumer disputes the accuracy of information on their credit report. This provision outlines the steps that agencies must take, including conducting a reasonable reinvestigation of the disputed information and correcting or deleting any inaccurate or incomplete information found during the investigation. I have disputed information on my credit report previously in XX/XX/year> and believe JEFFERSON CP has not complied with these requirements, I may have grounds for further action. 

-Section XXXX ( XXXX ) of XXXX XXXX of the United States XXXX ( 15 USC 1681i ( XXXX ) ) addresses the duties of furnishers of information to correct and update information with consumer reporting agencies. This provision requires furnishers to correct inaccurate or incomplete information they have provided to consumer reporting agencies upon notification of errors. Additionally, it mandates that furnishers must notify all consumer reporting agencies to which they have furnished the inaccurate or incomplete information of any corrections or updates. I believe that JEFFERSON CP has failed to comply with these obligations, as a result, I have grounds for disputing the negative items on my credit report and seeking correction or removal.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one is stealing down payments from secured cards that should be refunded once the card is declared nonsecured. But Instead they promise return in 90 days then try to deny you ever had a secured card and that you paid a deposit. Have screen shots and bank statements.
Consumer complaint received 2023-09-25
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. (FL)

On XX/XX/2023 I filed a dispute about two electric scooters I had bought, which did not meet advertised specifications, and I had therefore returned scooters to merchant, XXXX XXXX XXXX, XXXX, XXXX. Chase then called on XX/XX/2023 and stated merchant denied having received return. I provided reference numbers for the two returns to Chase, per return receipt, which is all Chase requested, they specifically said they did not need copy of return receipt. I was then contacted by Chase again on XX/XX/XXXX, and they stated they had closed dispute, upon review by Chase representative, she admitted this is was closed by mistake, apologized, and said only way to continue was for me to file an appeal by fax, to reopen case, which I did with all documents. I then called Chase on weekly basis and was told all was OK. When I called on XX/XX/XXXX, they told me they had again closed the dispute. The reason was very strange. They said the first dispute was still active in " another department '' when I filed my appeal, which they had asked me to do, and so, due to appeal, the first dispute was closed. But because the first dispute was still active, also the appeal was closed. So today, on XX/XX/XXXX they asked me to again file a second appeal! Which I have now done. But, when I look at my online account statement, it says dispute is still open! So nothing Chase says make sense, they have an utter mismanagement of this case, and meanwhile I have no merchandise, I am being charged {$1100.00} for something I have returned, since Chase also failed to issue a new credit and instead refilled full amount on XX/XX/XXXX. Not only this, but merchant has called and stated they will charge {$60.00} for every month I do not pick up the scooters! So I am now between a rock and a hard place because of Chases utter mismanagement of this situation.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a email saying that my phone number had been updated on my capital one account even though I never personally applied for a capital one card or account of any kind from them. I also received an email saying that I was approved for a card and that the card was sent out in the mail. I contacted capital one about it, but they were not able to do anything about it until I provided my ss #, but I did not feel comfortable doing that. A physical capital one card was sent to my parents address, which was my old address and my mom called me asking if I had applied for the card which I said no. ( There is no one from my parents household that would create an account under my name ) She sent me pictures of the credit card which allowed me to contact capital one so I would be able to cancel the account that was attached to the card. I was able to talk to an individual who said they would be able to cancel the account. However, I just received an email from my XXXX account today XX/XX/year>, from capital one stating once again my email address had been updated.
Consumer complaint received 2023-05-24
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-08
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My fiance added me as an authorized user on her two capital one credit cards. I have been on them for almost 9 months and now they are removing me without an explanation. Stating that there is current or past issues. I also opened an credit card account in my own name and they closed it and charged late fees after closing the account without an explanation.