davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am submitting this CFPB Complaint to dispute the remaining inquiries and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian Credit Reporting Agency to follow up and investigate an inquiry in question or to delete. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please remove the listed inquiries and prevent such occurrence from happening. Under the laws of the FCRA, the Experian Credit Bureau are required by the FCRA to follow up with the creditor. Please see the list of the remaining Inquiries below : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. The FCRA requires the Experian Credit Bureau to remove the remaining selected items within 15 days. The Experian Credit Bureau is obligated by law to remove the inquiries. There is a clear case of unauthorized inquiries here, and I urge the Experian Credit Bureau to remove them before I am forced to take legal action.
Consumer complaint received 2024-05-01
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: Conn's, Inc. (GA)

I recently updated my personal information XXXX residential aaddress, phone number, angry the accounts with XXXX of the XXXX credit bureau agencies XXXX and XXXX. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (KS)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I am filing a complaint against the XXXX credit bureaus for having my bankruptcy on my reports. XXXX, Equifax, and XXXX all have my bankruptcy listed on my report yet the courthouse in which I filed does not report to the credit bureaus. If the courthouse does not report bankruptcies to the credit bureaus, where would the credit bureaus get this information from.
Consumer complaint received 2023-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

Name of opposing party : Lien Enforcement inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My Customer # XXXX Parties to the contract/event, or the persons name, requesting the demand : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been contacting me nonstop since XXXX. They are calling me almost every day and harassing me. On XX/XX/XXXX lawyer XXXX XXXX wrote them a letter to stop contacting me as this debt is not mine. They still continue to call. 

I sold my car on XX/XX/XXXX. I did all the correct paperwork to transfer ownership to the new owner XXXX XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I completed the release of liability, the sell as is letter and online notice of transfer up to the United States law in California code standards through the XXXX. XXXX did not do his end of the deal and transfer it under his name. I have proof of this as well. The new owner XXXX had the car towed on XX/XX/XXXX which was after I had sold it to him. 

The police sent me a letter or notice of pending lien for an impounded vehicle around XX/XX/XXXX. I spoke with one of the officers and showed them proof that I had completed everything on my end, and the car is no longer in my possession, and they told me to not worry about the notice as the car is no longer my responsibility.

I am not responsible for this debt, the collectors need to stop contacting me.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not supplied proof under the DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME that no proof of the alleged debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Ive had a Capital One Credit card with Capital One Bank since XXXX. Ive only had an increase in balance one time for XXXX and that was 4 years ago. Ive had more than 100 successful payments. I used it over 30 percent of the balance but it was mostly during the pandemic and always paid 80 percent of the entire balance off at once and didnt have a carry over balance. Ive had two big salary increases from my employer over the last three years and the last one was on XX/XX/XXXX. Each time Ive asked for an increase, it was silent as empty box. They never could tell me why, and I never receive any information as to why. I never have gotten a letter, email or text stating that I dont qualify. It has said only, its being reviewed and someone will get back to me shortly. A year or more I asked and, just on Sunday, XX/XX/XXXX I asked and still the same message. This is keeping my credit from rising. All of my other credit cards have over XXXX limits. And its oddly strange that Capital One will not budge. Im really starting to feel like Im being discriminated against. Everything this company is questionable. This is what prompted me to close out my checking and savings account with them. Is this against the law? It wasnt every month out of 4 years that my balance was over 30 %.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OR)

I have been a XXXX XXXX XXXX' member with Amazon for a number of years and applied and received an Amazon CC through Synchrony bank. I have noticed that when I have used the Amazon CC to pay for a product and subsequently returned that item to Amazon and requested that my original payment form be credited, that instead of crediting the Synchrony CC account, Amazon instead issues a credit that can be applied to future purchases. 

While they do honor this credit, until I do use the credit for a purchase, I have essentially given Amazon ( a multi-national, multi-billion dollar company ) a de facto interest free loan. Not only that, if I carry a balance from month to month, I would have been paying interest on a loan that I was forced to give to a multi-billion dollar corporation. 

While I have filed a singular complaint, there are probably millions of people that experience the same without giving it a second thought. I would think that this type of transaction is unethical and I can not think of a scenario where it would be legal.
Consumer complaint received 2023-07-08
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2024-05-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have tried using the Amex Prepaid gift card on XXXX, XXXX XXXX, XXXX, XXXX, and new balance websites all to get declined. I have tried purchasing gas and food in person at restaurants to have it declined. I have not been able to use the card anywhere. I am able to login to the balance check on Amexs website and it shows a full {$500.00} balance. I was able to add to XXXX XXXX  and then it continued to get declined anywhere I tried to use. I have not found a single place that does not decline the Amex gift card.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to the Experian Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I was looking for a car, found one, and was told I had to put a deposit down on the car even though I didnt have to. Company to my deposit and amped up the price of the car. I noticed maybe a week later that that happened to me. Once I noticed I sent the dealership and finance company a lengthy letter including an affidavit to come collect their property and return my deposit, a cease and desist for the negligence they are knowingly doing. They came and collected their property from me and never returned my deposit. Now they want to claim I owe them for a vehicle I dont have possession of.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XX/XX/2023, when I opened the HSBC US mobile app, I received the error message XXXX upon logging in. I then called HSBC US customer service and was informed that my account was locked, but no reason was provided for the lock. I also attempted to communicate with HSBC US XXXX department regarding the situation, but again, no reasons were given ; I was simply told to wait. It has now been over a month, and my account is still inaccessible.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (CA)

Credit karma has my social security number attached to someone else 's name and I am also unable to get into my account. I have have money received from school Grant 's starting from XXXX  to XXXX. I also have tax information filed that I'm unaware of.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

My card, number XXXX, has been declined at several online sites including XXXX XXXX, most recently. Currently, the remaining balance is {$30.00} to the best of my knowledge. Previously, the card was declined at other online retailers including XXXX, previously named .... At that time, the balance was higher with more than enough available credit. It appears the issuer, American Express, blocks transactions to prevent use of available credit, if any available. At this point. I request card closed out, balance refunded
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (ID)

I opened my account on XX/XX/XXXX under offer XXXX, which said I would earn {$300.00} if I deposited {$2000.00} or {$750.00} if I deposited {$30000.00} within 30 days and kept the funds in the account within 60 days of offer enrollment ; I also needed to complete 5 ACH deposits and withdrawals within 90 days. I brought {$30000.00} into my account on the the 30th day ( XX/XX/XXXX ) and kept that money into my account until the 61st day ( XX/XX/XXXX ). I also completed 9 ACH deposits and withdrawals within that time period. 

I only received {$300.00} on XX/XX/XXXX. I emailed support and they sent me the terms of the offer. I responded to that that I satisfied the bonus. They responded that I didn't. I responded back that I would be filing a CFPB complaint if they didn't pay the full bonus. They responded that they would like into it. 

I called their support as well. The first member said I did not satisfy the full bonus. I asked to speak to her manager. Her manager responded that I did satisfy the full bonus and that someone from the research team would reach out. They never did reach out. 

Throughout this ordeal, I have interacted with several representatives who did not understand the bonus and were trying to short change their customers. In this high interest environment, I am losing money because Chase does not understand that what they tell me does not satisfy their own terms that they told me. I would like the CFPB 's help in resolving this issue.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

Good afternoon, I have a complaint to draw with the closing of my account in XXXX as well as the interest that accrued on my account during COVID-19 and after my account was closed. I have made payment throughout COVID despite being unemployed, facing economic difficulties, and having zero access to my credit card due the account being restricted. Im requesting that the account is reopened and at least {$290.00} in interest charges is credited to my account as a remedy. 

The payments made to the card had little to no impact on my credit score which would have been beneficial to improving my credit score.
Consumer complaint received 2023-05-05
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. (PA)

NOTICE OF DEFAULT OPPORTUNITY TO CURE I am writing to file a formal complaint against TransUnion for its blatant violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I have reason to believe that TransUnion has engaged in illegal actions by furnishing inaccurate information, failing to conduct a proper investigation into my disputed account, and violating my privacy rights by not providing me with the option to opt in or opt out of its data sharing practices.

TransUnion 's mishandling of my credit information has caused me immense mental and emotional stress. Despite repeated attempts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a proper investigation and has continued to furnish false information. This has resulted in the ruining of my credit reputation, making it difficult for me to access the credit that I need to move forward in my life.

Furthermore, TransUnion 's violation of the GLBA by not providing me with the option to opt in or opt out of its data sharing practices is a serious concern for me and many others who value their privacy. TransUnion 's disregard for my privacy rights is unacceptable and I strongly believe that they should be held accountable for their actions.TransUnion have exhausted allotted time by law. So they must remove.so again im asking, " Please authenticate and provide me proof that I am, LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. 
Therefore, I am requesting that TransUnion compensates me for the damages caused by their illegal actions. I believe that I am entitled to compensation for the mental and emotional stress that I have experienced as a result of TransUnion 's mishandling of my credit information. I urge the CFPB to take immediate action against TransUnion to ensure that my rights as a consumer are protected. 
Thank you for your time and attention to this matter.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Total Card, Inc. (CA)

Complaints on the following : Total Card Inc & XXXX  XXXX XXXX XXXX I asked the credit bureau to do a credit verification on these creditor in which they did.I found improper inaccuracy on my credit report. Ive been trying to get in contact with this company to verify if this debt is correct or not because it is so old.

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.
Consumer complaint received 2024-05-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I recieved an Amex Gift card and I was able to use it in a few online stores at first, but now it is constantly being declined from every store I try despite having money in it. 

A lot of people seem to also have the same problem starting this past year.