davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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 (CO)

In early XX/XX/2023, I applied for the American Express Platinum card via their website. Prior to signing up, I called AMEX and was told that it is AMEX policy that, under the Military Lending Act, they waive their annual fee for military members. As an XXXX XXXX military member, as a XXXX  at the United States XXXX XXXX XXXX, I am therefore entitled to their policy and applied for the card solely because I was told the policy would apply to me. On my application, I noted that the majority of my pay came from my military income. I was approved for the card and yet, on XXXX XX/XX/XXXX, I was charged the annual fee. I contacted AMEX and let them know that I was supposed to have my annual fee waived. The agent apparently said that my application was processed under SCRA, not MLA, and that it would have to be resubmited. On or about XXXX XX/XX/XXXX, I called AMEX again and was told the submission was not done, but that it would be. I paid my annual fee as I was told there was nothing they could do with the fee and that I had to pay it, but that it would be XXXX days for them to review. My understanding is that AMEX, like other companies, simply check the XXXX XXXX website that confirms XXXX XXXX member rights, though some of my friends who are new to the military do not automatically pop up. Regardless, having seen no action, on XXXX XXXX, I called and spoke to an account manager and asked for the status. She said that she does not see that anything was filed under the MLA, but that there was a XXXX  request. I find it highly suspicious that AMEX would lure military members into paying an annual fee and then not have AMEX properly review the XXXX XXXX website or make any other effort to verify eligibility. While it is a very generous interpretation of the MLA, if the policy is only applied to people with the names XXXX or XXXX and not so much to those with a name like mine, the policy and actions of AMEX is XXXX and discriminatory. I asked if I could cancel my card and receive a full refund of my annual fee since AMEX took more than a month before they processed anything to see that I am XXXX XXXX, and was told it would take another 30 days which would then put me beyond the 30 days that AMEX advertises I can get a full refund of my annual fee. To tell someone you will qualify for a fee waiver, then to process it incorrectly, then to do nothing, then to ask for another 30 days so that a member would be ineligible to get a refund is a sneaky and deceptive way to take money from military members.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (WA)

XXXX XXXX XXXX XXXX # XXXX This company has drained all of the funds out of my account and i have requested multiple times to have them contact me. They call me at XXXX ; XXXX XXXX  XXXX and after 5 minutes place me on hold to transfer to another department. 
my account is currently locked and no one can tell me what happened to the funds in my account.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TX)

I bought a car from USASF I heard they closed down now I have westlake portfolio calling me. On my credit its has a charge off for USASF. I was told since I have been paying on the car the past 2 years I have only paid around XXXX. I am trying to get. A understanding about whats going on and if this is legal
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account Number : XXXX
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a new XXXX XXXX credit card on XX/XX/XXXX. On XXXX XXXX, I used this card to make purchases online and my husband made a purchase in a store. The card was frozen and the store said it was denied. At that time, I called Capital One to ask what the issue was and after a 9 minute call, was told that someone would call me in 7-10 days. Per the website, I should have received a text notification immediately to confirm whether or not I made the charge but I did not receive any notification despite my phone number being attached to the account. No one called me back. My card remained locked and unable to be used. On XXXX XXXX I called Capital One again to ask what the issue was and after a XXXX minute call was told someone would call me back. No one called me back and my card remained locked. I called again on XXXX XXXX  and after XXXX  minutes (!!!! ) I was told someone would call me back. Finally, someone called me back that day to ask if I had made the charge on XX/XX/XXXX which I confirmed again, just as I had on the day when I called that day, that yes, I did make the charge. They finally unlocked the card after XXXX  days. When I said I should not be paying the full {$390.00} annual fee as I wasn't allowed to use the card for over a month, spent over an hour of my time trying to reach someone to fix the issue, not receiving the notification I should have per their website, not receiving the calls back I was promised multiple times, and not being able to unlock the card " easily '' as is also promised on the website, they said they can't do anything about it after another XXXX minutes on the phone. I called back again to discuss with a Customer Service XXXX on XX/XX/XXXX and after XXXX minutes was told again, they would not do anything to reduce the fee even though they followed none of their own rules. At this point I paid the balance that I owed less the annual fee and closed the account. I called again XX/XX/XXXXXXXX XXXX XXXX  to speak with a Customer Service XXXX after their multiple attempts to collect the fee to ask again if they were willing to reduce the fee and was again, told no. Ultimately, they did not following their own rules and are not honoring the promises made on their website nor verbally by the multiple customer service reps I've spoken to. I should not be paying an annual fee on a card that was unusable.
Consumer complaint received 2018-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Around 3 years ago I was contacted by an attorney about a class action law suit against XXXX XXXX, now called XXXX. The law suit claimed XXXX to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. XXXX was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by XXXX since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact XXXX and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

recently I applied to open a checking or saving account with CHASE but i was denied, i never had an bank account, i have never had a credit card, I had hardly work because XXXX XXXX XXXX currently i am on SSI and i was planning to have a saving account so i could start saving some money, but the financial institution make our lives impossible. They are sharks, they dont help people like me. I am planning to take this issue to members of congress, but before i do it, i would like to have a very clear explanation as to why they are not letting me have an account.
Consumer complaint received 2023-10-18
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 DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-07
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. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE LISTED BELOW ARE 2 INQUIRIES XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks anXXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2018-08-15
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NM)

Around 3 years ago I was contacted by an attorney about a class action law suit against Sallie May, now called Navient. The law suit claimed Navient to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. Navient was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by Navient since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact Navient and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
Consumer complaint received 2023-09-05
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. (GA)

I am writing to formally request an investigation into a debt that has been erroneously associated with my identity. This account does not belong to me, and it has been wrongfully affecting my credit history. The unauthorized breach of my identity was committed by an ex-employee, who is responsible for this fraudulent account and transactions. I have reached out to both XXXX XXXX XXXX  XXXX to rectify this situation in accordance with the Fair Credit Reporting Act and my federally protected consumer rights.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY (CT)

I have a credit card with TD Bank. I received and accepted a balance transfer offer. I asked for XXXX. I was advised by TD Bank on XX/XX/XXXX that it was approved. My card was charged XXXX plus the fee of XXXX on XX/XX/XXXX. I was subsequently advised by TD Bank that the original request was not processed however it would be. I also received a statement from TD with a payment due date of XX/XX/XXXX. As of today XX/XX/XXXX the balance transfer has not posted to the recipient bank. My balance prior to the balance transfer was XXXX. To avoid late fees and other issues I was forced to make a payment to TD Bank today for funds I have yet to receive the benefit of. I believe this to be an Unfair or Deceptive practice on their part.
Consumer complaint received 2023-07-10
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. (AR)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$4800.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third Bank is who this complaint is for. I went to deposit my money to that ATM on Friday XX/XX/XXXX at around XXXX pm. Their ATM stole my money and did not deposit it into my account. A reciept was printed instructing me to go inside and speak with a bank teller. When i spoke with the bank teller they did a dispute and said the money should be into my account within 24 hours. I called the next day because I woke up and the money is still not in my account. It was {$450.00} deposited that I needed for my bills that I known longer have access to. The bank claims they should have had the ATM company come there on Tuesday XX/XX/XXXX. But nothing was done. Ive called multiple times and no one can give me an answer as to where my money is! I just need them to deposit my money so that I never have to use this bank account again.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc. (FL)

i checked my credit profile and noticed this company i have no relation to reporting negatively on my file. I have sent them letters by mail and not have recieved anything back, negative information still appearing on my credit report. please help this bad information is hurting my life
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (CT)

The company name is Destiny Card Services put me in collections on XX/XX/XXXX and XX/XX/XXXX. I dont know who this company is where they couldve have gotten my information from but I never did any business with them. Being put into collections is ruining my credit score and I want it removed.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. Upon reviewing again my Experian credit report, I can still see the unauthorized inquiries that I was requesting to get deleted. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-10-24
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. (IL)

Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent information to Equifax, XXXX and XXXX about accounts that were on my credit report as a result of identity theft. I sent them the accounts that were opened as a result of identity theft along with a identity theft complaint from the federal trade commission and they responded with a letter stating that the information was verified. They did not state or send the documented proof of any investigation or that i opened any account that i stated did not belong to me
Consumer complaint received 2021-07-11
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. (MD)

I have been disputing an alleged bankruptcy since XXXX of 2021 with Equifax and XXXX. I have filed various cfpb complaints and written various letters asking for the bankruptcy to be validated and verified showing proof or deleted. I received a letter from bout reporting agencies claiming the bankruptcy was verified by XXXX. How can XXXX verify if I opted out and froze my file? Fcra states a consumer have to give permission for anything to be reported. I did not give Equifax, XXXX  or XXXX my permission to report on my behalf. Please help me fix this error on my report immediately
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.