davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
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 (MI)

I was sent a promotional email on XX/XX/2023 indicating that if I signed up for the XXXX Amex XXXX credit card, I would receive XXXX bonus miles. The fine print stated that this particular promotion would run through XX/XX/2023. The email was addressed to me by name and included my unique XXXX XXXX number. I applied for the card and was approved on XX/XX/2023. I spent the required amount ( {$2000.00} ) and was awarded only XXXX points. On XX/XX/2023, I spoke to a Customer Service Rep who asked me to attach the promotional email to the Amex XXXX XXXX as proof. She walked me through the process and the site returned an error message. She said she didn't know how to resolve it and that someone would call me back. I followed up multiple times without a response. 
Finally, after over two months of Amex telling me that it would be resolved ( and the additional XXXX points applied ), I was told by Customer Service on XX/XX/2023 that because I applied for the card online, it's possible that I didn't use the " correct channel '' to apply and therefore the XXXX points would not be applied despite what was stipulated on the marketing materials. The Customer Service XXXX ( ID XXXX ) stated that nothing could be or would be done. She informed me that the issue had been investigated and dispositioned by Amex already. This apparently occurred around the first week of XXXX without reviewing the promotional email referenced above and without notifying me.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I returned my modem to XXXX on XX/XX/XXXX and they could not cancel the service in the store so I cancelled it on the phone the next day XX/XX/XXXX. I informed them that I had already returned the modem to the store the day before. On XX/XX/XXXX I received a bill from XXXX for {$400.00} stating I didnt return the modem. I immediately called XXXX. The rep said I needed to go to the store where I returned the modem. The girl there said theyve had this happen before so she called XXXX on the phone and I was there at least an hour and a half with nothing resolved. They were claiming they couldnt locate the modem even though I have the receipt that it was returned and the account was cancelled. On XX/XX/XXXX I got another bill. Then XX/XX/XXXX I got another bill. Then on XX/XX/XXXX they sent a letter that I was now in collections. I also received another bill from XXXX on XX/XX/2024. I called the collection company on XX/XX/XXXX when I received the letter in the mail. The agent XXXX XXXX transferred me to XXXX. The rep said he couldnt help because the account has been closed and my password no longer worked so I was again told to go to a XXXX store. I went to another XXXX store and the rep called XXXX on the phone and I was there at least an hour and 1|2. They still wouldnt remove the balance again. Stating they didnt get the modem when I again showed them I had the letter stating I returned it. Now its affecting my credit and taking time out of my day trying to prove I returned this modem. Im not paying {$400.00} for something I no longer have. I dont know what else to do.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

Hi my name is XXXX XXXX authorize user of a Venmo account. 
Acct # XXXX Routing # XXXX my account has frozen without breaking policy guidelines. I am desperate need of mind money to catch up on bills and family matter. I attempted to email Venmo to get the process to release the funds but they didn't give any steps to fulfill so the account can be active. I also spoke with several representatives which who wasn't able to assist me or lead me to anyone who can. I am a verified account holder so I am baffled that this is happening. I appreciate your service and what you could do to help.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX are reporting incorrect inquiries on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-17
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. (TX)

I disputed a XXXX XXXX  account with transunion on XXXX the XXXX 2023. I still have not heard back and it has been longer than 30 days. This violates my rights.
Consumer complaint received 2024-04-17
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. (VA)

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 2024-04-17
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. (VA)

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 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (HI)

Purchased tickets with my Barclays XXXX Airlines MasterCard. Compensation for delayed baggage is listed as a MasterCard benefit. 

A claim must be filed in 60 days and can apparently only be done over the phone. The benefits/claims website ( XXXX XXXX XXXX ) directs claimants to call XXXX. 

I have called the XXXX number, entered my information dozens of times only to have the call pause and then drop. In the one instance I got someone on the phone ( by selecting the Concierge option instead of claims option ) the call mysteriously hung up after I mentioned wanting to file a claim. 

The www.mastercard.us chat support function also provided no actual support and just directed me to the same phone number that did not work..
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report.

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.

I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY. 

XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 2023-05-02
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)

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. 

XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A 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.
Consumer complaint received 2023-12-14
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IN)

I was notified by a company, name attached below that I owed over {$4000.00} in debt to XXXX. I have never purchased anything from XXXX, nor would I ever purchase or take out a debt in that amount with a company I do not know. 
I received a letter in the fall of XXXX, and thought that it was a fraudulent attempt to collect a debt. I was afraid to call and give my information to this company, because I was afraid of further theft on my account, or in my name. I threw the letter away because honestly, I thought it was someone who was trying to impersonate accompany and collect money that I did not spend or use in any type of loan or to purchase any type of item from XXXX. 
I do not know who these people are, that represent XXXX, and what the debt is for because the letter from them never stated it. as you will see the attached document, it says that it was opened in XX/XX/, and they reported me to the credit bureau for not paying it. Which makes absolutely no sense. I will be filing a police report this week as well.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (FL)

Im not paying your ransom for selling my name. 
I dont care if you keep trafficking my personal information XXXX said they can sell your personal information 100 times if they want and it becomes an emergency to be paid. A two yr old account is still active and continues to change status daily Im not paying for your ransom
Consumer complaint received 2023-04-21
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. (IL)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

I am writing this request to XXXX/SSTATBK that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX
Consumer complaint received 2024-01-09
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 (CA)

I was given XXXX American Express gift cards, each valued at {$100.00} for XXXX, and am unable to use them on XXXX in any capacity. This is unusual because I have previously been able to use them on the site in years past. Every time I try to place an order, I am given the message " Payment revision needed '' and the prepaid cards have outstanding/pending {$.00} cent charges that are not being resolved on either XXXX or AMEX 's end to verify that the card exists and is not fraudulent. 

I did a bit of research online and this does not seem to be an isolated incident and appears to stem from the fact that AMEX does not allow the regestration of billing addresses for prepaid cards and due to a policy change at XXXX, and other online retailers, that the payment method is outright declined, even though there are a number of XXXX based stores listed on the AMEX site that should accept the form of payment, linked below. 

https : //www.americanexpress.com/en-us/maps/online? key=amazon
Consumer complaint received 2024-01-09
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. (ID)

XXXX I opened a dispute for a collection account that keeps being re-aged on my credit report. The dispute returned as verified that the debt is valid. 
I disputed it again after asking the company for validation of the debt, they verified and changed the amount from {$3000.00} to XXXX Made a complaint with the Arizona Attorney General 's Office, and the company finally sent validation of the debt. The date of the original debt is past the 7-year statute of limitation and should be removed from my reports. They have refused to remove the outdated information.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

I am writing this request to SELFINCXXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (WA)

My credit score dropped XXXX points by paying loan on time?!! 100 % payment history. Nothing on my report has changed, utilization of credit same, payment history same, no new hard inquires since XX/XX/2023, nothing has changed in last XXXX  months yet my credit score dropped XXXX points!!!!
Consumer complaint received 2024-01-09
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: CAINE & WEINER COMPANY, INC. (TX)

This is regarding complaint XXXX. The original creditor was contacted and could not furnish information being alleged by the collection agency Caine & Weiner. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/XXXX. Also, I formally requested a copy of the correspondence that was supposedly mailed to me during that time informing me of this debt with your company, the forward flow agreement, the contract bearing my signature, and your license to collect debt in the state of TX. I submitted the aforementioned account in XX/XX/XXXX. It is now XX/XX/XXXX and you have failed to provide any of the requested information to support your claim. Failure to provide this documentation constitutes yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. It is also important to note that my information was involved in XXXX XXXX data breach in which I will provide my claim Id as I did before. Remove this account from my credit report immediately or I will proceed with legal action being that I have given your company ample amount of time to fix this error. CAINE & WEINER XXXX
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I just telephoned Navient a few moments ago. I asked them kindly to remove my mom and my ex-brotherinlaw from my private loans. I also requested they lower my interest rates on all XXXX private loans and to please consolidate my loans into XXXX. They said no they do n't consolidate and refused to lower interest rates or remove my mother and ex-brotherinlaw. I currently owe {$33000.00}. I owe more than I borrowed and this is now the forth time I 've requested assistance from them. They are unhelpful and unyielding assisting. I strongly feel I 'm being taken advantage of. The last time I called to try and lower my payments, they requested my mothers and my ex-brotherinlaws income. I found that awkward and when I asked why, I was informed Navient would have to take into account their income as well, although they are only co-signers.