davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (PA)

American Express advertised a business checking account offer in which XXXX Membership Rewards points would be earned after several benchmarks were reached. Making a deposit. Maintaining a {$5000.00} minimum balance. Completing five transactions. My wife ( XXXX XXXX XXXX and I each applied for separate accounts. 

Shortly thereafter, I noticed that a bonus tracker had shown up on the AMEX website that listed a XXXX Membership Rewards points bonus, rather than XXXX points. I reached out to AMEX and they told me that I am ineligible for the XXXX points because it was a targeted offer. 

The problem is that there was no language on the sign-up page indicating that this offer was targeted. Nor were there any prompts during the application process indicating that a lower offer would be provided to me. Since our application date of XX/XX/XXXX, American Express has added a terms and conditions page indicating that this is a targeted offer. However, that terms and conditions page was NOT present at the time of application. As such, it seems clear that both my wife and I should be eligible for XXXX extra Membership Rewards points after we complete the benchmarks. 

Here is the existing link to the application. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (MO)

Received a flier in the mail to receive {$10.00} when you make five purchases with my Comenity credit card. I made five purchases within the time frame specified and I did not receive the {$10.00} bonus. The company was not helpful when I sent messages to resolve it.
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XXXX, XX/XX/XXXX, I received an email related to a Venmo transfer of money that I did not make. I immediately opened a case with Venmo disputing the transaction. I called my bank ( XXXX XXXX ) that agreed this was unauthorized activity and fraudulent activity and they were able to place a stop payment on the money being sent to Venmo. Coincidentally, the same day, the same card had another unauthorized transaction to XXXX XXXX that was disputed with XXXX XXXX and XXXX that is still under review. On XX/XX/XXXX, Venmo responded to my case by denying the dispute stating that the transaction was " consistent with my payment history '' even though this transaction was sent to a contact that I had never sent to before. I asked Venmo to explain why they deemed this an authorized transaction when every other party rightfully concluded that this was unauthorized and fraudulent, and I asked Venmo to provide the documentation that was used in my case. They have been unable to provide additional information for either request. Additionally, I had a positive cash balance in Venmo prior to this activity. They have frozen my account and the only way for me to unfreeze it is to pay the amount of this unauthorized, fraudulent transaction plus an additional fee. So they are essentially holding the money that was already in my account and rightfully mine XXXX and not allowing me to access it unless I pay for the unauthorized, fraudulent transaction and an additional fee.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

I am a 100 % XXXXXXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with Regional Acceptance and that I had to make a payment or the truck would get repossessed. This was in XXXXXXXX XXXX XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if XXXXhis avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX XXXX XXXX IS CURRENTLY AFFECTING MY CREDIT FILE NEGATIVELY. I HAVE NO INTERNATIONAL MARITIME CONTRACT WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT EVER AUTHORIZED NOR GAVE PERMISSION TO XXXX XXXX XXXX  TO REPORT ANYTHING ON MY CREDIT FILE. ANY IMPLIED AUTHORIZATION AND/OR PERMISSION GIVEN WETHER WRITTEN, UNWRITTEN, VERBAL, AND/OR NON VERBAL IS EXPRESSLY REVOKED. ALL THE ABOVE IS TRUTH UNDER PENALTIES OF PERJURY. 

XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE
Consumer complaint received 2024-01-26
Product: Credit 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: CITIBANK, N.A. (NV)

MY ADDITIONAL CARD HOLDER LOST HIS WALLET AND HIS CARDS WERE STOLEN HIS XXXX, MULTIPLE XXXX XXXX, XXXXXXXX XXXX CARDS WERE STOLEN FROM HIS WALLET AND MISSING FROM HIS WALLET THE CARDS WERE USED IN KANSAS, AND UTAH AFTER THE FRAUD INVESTIGATION WAS OPENED THEY CLOSED MY ACCOUNT THIS IS UNACCEPTABLE. THIS ACCOUNT NEEDS TO BE REOPENED IMMEDIATELY AND THESE CHARGES NEED TO BE REMOVED OFF THE ACCOUNT, I HAVE THE LETTERS FROM BANKS WHO CONFIRMED THERE WERE FRAUD ON MY OTHER ACCOUNTS AT THE SAME CARD THIS CARD WAS STOLEN, REMOVE THESE CHARGES! AND REOPEN THESE ACCOUNTS THIS IS NOT ACCEPTABLE.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX  Credit XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  Credit Cards XX/XX/2024 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

EXPERIAN IS REFUSING TO REMOVE INCORRECT PERSONAL INFORMATION AND NON MAILABLE ADDRESSES FROM MY CONSUMER REPORT!!!!! 

EXPERIAN IS REFUSING TO REMOVE INCORRECT PERSONAL INFORMATION AND NON MAILABLE ADDRESSES FROM MY CONSUMER REPORT!!!!! 

HOW IS THIS XXXX NOT HEINOUS CFPB?????!! XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These XXXX XXXXXXXX war crimes against Americans that these institutions are committing!!! 
I called and the representative willfully told me he will not update any addresses. These people are really allowed to sit on the phone and tell me what they can not and will not do f

or MEEEE as the consumer?????!!! 15 U.S. Code 1681s2 ( A ) ( 1 ) A states, " 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. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
Experian is NOT maintaining reasonable procedures. 

Any and all consent to Experian TO FURNISH ANYTHING LISTED, whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (OK)

This debt is being reported to XXXX, XXXX, & XXXX by Target credit. The debt is being reported as charged off, date and time unknown. This debt should have been discharged with bankruptcy. I think this debt may have paid with a collection company a few years ago.
Consumer complaint received 2024-01-01
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I HAVE IDENTITY FRAUD ALERT ON MY CREDIT REPORT. I NEED CITIBANK XXXX CREDIT CARD REMOVED FROM MY CREDIT REPORT. IT WAS CLOSED AND ACCOUNT CHARGED OFF DUE TO MY IDENTITY BEING STOLEN.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Royalty Management Corporation (NC)

On XX/XX/24 I received a phone call on a remaining balance of {$83.00} ; not only am I current I dont have a problem paying my bill and Ive even talked with a friendlier customer service representative from royalty finance who understood once I explained how I make my paymentsI pay more than expected and biweekly but theres always this one rep that is extremely rude and unprofessional!!! I explained I had til the end of the month to pay the remainder of the monthly payment amount and that Im not behind so what was the issue it was then she became extremely defensive and started using passive aggressive behavior to get a payment ( that I had ) I guess bc Im XXXX XXXX she figured she had to play the tough guy role with me to show me whos in control and I didnt take to that so kindly ; I plan on letting them just come get the car bc I can afford to pay on another and its tax time Ill get another vehicle ; it was XXXX lack of communication skills and professionalism thatll never be acceptable and Im sure Im not the first person shes ever been rude too she needs to educated and inserviced on how to better interact with customers
Consumer complaint received 2023-07-10
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 (TX)

So I have been trying to catch my Capital One Credit Card up and it seems nearly impossible to do so because everytime I make a payment. I get charged interest or late payment. Last month I paid more than the minimum and I still get charged fees. 

These fees are getting down right ridiculus. I have addressed this issue before with Capital One but they seem to not care. I am simply asking for help
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NJ)

I Attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX promised job opportunities and placement as I chose the school primary depending on that since I was struggling financially upon signing up. As apart of the tuition package I was supposed to be given a bag filled with provisions I needed for the program, half of which I never received and was promised to get later. Because of the poor quality of teaching and curriculum, I was under prepared for the state boards causing me to have to pay for a quick course and to seek out the day time teacher to help prepare my bag at the very least. At the end, broken promises, no job placement, minimal knowledge and still didnt receive the items I paid for. There isnt any way to contact the school now as its since been shut down for fraudulent activities.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-11-28
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. (NY)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

The third time is the charm as everything comes in XXXX XXXX I have tried to rectify this matter. There are still charge offs, student loans and inaccurate reporting of balance and transaction history reporting. 

First, According to Family Educational of Privacy Act 1974 STUDENT LOANS should not be reported it goes against privacy act as stated here -https : //nces.ed.gov/forum/dataethicscourse/additional-materials/family-educational-rights.pdf https : //studentprivacy.ed.gov/sites/default/files/resource_document/file/2012-final-regs.pdf Second, charge offs are certificates of indebtedness and should not be reported, so please remove ASAP.

Third, its illegal to report transaction history. Remove all " soft and hard '' inquires Fourth, for permissible purposes remove all collections, student loans, charges offs and update transaction history as current/updated.

Fifth, by reporting non accurate information without my consent is against FTC - https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0014-identity-theft.pdf 15 USC 1681 - inaccurate report, 15 USC 1608 CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - In this case, a class of XXXX individuals sued XXXX , a credit reporting agency , in federal court under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices- https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ Psalm 25:1-2 says, In you, Lord my God, I put my trust. I trust in you ; do not let me be put to shame, nor let my enemies triumph over me '' Please take heed, XXXX/ BENEFICIARY
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (GA)

I went through a personal hardship and was unable to make my AmEx payments on time for a few months. This was long enough that they closed the account and i was then unable to access my account online to make payments or see any of my account information. My card is missing and I do not have the full card # to use when calling to make a payment unless you can wait for over an hour on hold which I cant, so I am unable to get through most days when I try as the automated system does not recognize you without a full card # to enter and disconnects most of the time. 

Eventually I got through but each time I call and get a person on the line I get different answers about my account and its all misleading. 

Most recently I was calling to see how I could make a payment and when they transferred me to their payment sector I was asked for my contact information again and then informed it was a collections agency ( XXXX XXXX XXXX. ) attempting to collect a debt. I asked them for information on the account which they had none, and refused to verify the debt or give me information as to who is reporting on my credit or who I may speak to about the details of my account. They put me on hold and then told me that my AmEx account was already held by a separate collection debt management company other than theirs that Ive also never heard of or have a recollection of. XXXX XXXX XXXX told me that I owe them my account balance and in order for them to take payments or help me I have to call and ask the other collections agency to give them permission to take over my debt. This is alll very shady and misinforming. I was simply trying to reach American Express to make a payment or settle my account with them in good graces but not be led on by other collections agencies I have no contracts with and who can not discuss my account details in the first place. I have no business with XXXXXXXX XXXX XXXXXXXX and would like them to cease all contact and collections effort with me as they do not even have the right to my debt.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to 15 US Code 168c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I received information regarding updated terms of a promotion formerly called " My Chase Plan '' now called " Chase Pay Over Time. '' This promotion claims it is for interest-free financing, ie, a large purchase can be paid for over several months without incurring interest. 

However, the fine print is that there is a " up to '' 1.72 % monthly fee. 1.72 % compounded monthly comes out to 20.64 % compounded annually - a higher interest rate than the listed APR of the credit card I received this offer on! Their " interest-free '' extension potentially costs more than just paying regular interest would. 

I did not use this service, so I have not lost money, but I believe this is deceptive advertising and want to report it.
Consumer complaint received 2024-01-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I'm requesting that Executive Leadership at Credit Acceptance Corp review this complaint and I'm seeking that an EL Team official respond to this issue. This Auto Loan account was opened XXXX XXXX, XXXX. The account was charged off and XXXX XXXX XXXX XXXX XXXX was the debt collector ( Exhibit Letter XXXX XXXX XX/XX/XXXX ) and the case was dismissed. The account has been charged off. A debt collector collected the debt and documented that the account has been satisfied paid in full. I requested through XXXX for the XXXX plus year old charged off debt paid in full to a debt collector be removed from XXXX, XXXX, and XXXX. Credit Acceptance Corp has did opposite of that and it is clear. How can this be explained that now I have a balance of XXXX from an XXXX plus year old account that was charge off for Credit Acceptance Corp tax purposes that was paid in full to the debt collector and I now have a balance of {$3900.00}, because I have filed numerous complaints with CFPB regarding this issue and requested through XXXX to have this item removed because it is affecting my XXXX score. I have been trying to resolved this issue to have this XXXX XXXX XXXX charge off debt paid in full removed from my credit file and now with this new information that I owe my XXXX score has decreased.