davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, 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. (GA)

The reason for this second request, is to dispute unauthorized inquiries on my credit report. 
Made by : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I opened a new credit account with American Express about two months ago, responding to an offer for " Interest Free Use and Balance Transfer '' until XXXX ( 18 months ). I processed a balance transfer and made a couple of purchases. When the statement arrived, there was interest charged. I contacted American Express immediately in XXXX. On XXXX XXXX, they admitted via message in writing that they had " a technical issue occurred at our end due to which all impacted card members ' accounts were charged interest erroneously '' but " our dedicated team is working on this known issue and account will be remediated ''. On XXXX XXXX, they wrote " We have now started taking corrective actions. '' and " You will see a credit of the interest charges issued in XXXX automatically. ". THIS HAS NOT HAPPENED. Unacceptable delay for a company of this stature. I have contacted them several times, and each time they acknowledge the error and promise to fix it, with no result.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

This bunch of crooks LVNV aka Resurgent Capital who have been sued by the government and others repeatedly have placed three listings for collections on my credit report with XXXX and XXXX am sure XXXX and XXXX as well that I was never even sent a letter to verify as my debt!!! They are breaking the FDCPA and I want all accounts removed immediately and they are to cease and desist all further contact with me or my family or anyone I know or XXXX  will sue them!!! I disputed the accounts yesterday with XXXX and they did nothing but respond to them today and put a note that I dont agree!! I want all account documents for every charge ever incurred and the application with my signature on it provided to both your office and myself! They need to be SHUT DOWN!!! Enforce the FDCPA and FCRA!!!
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i reviewed a copy of my credit report and noticed that i have XXXX late payments that should be in good standing. according to the creditor they have no access to these specific dates XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was made aware that they are some closed accounts showing on my credit report, upon investigating I found out that they were not mine because i have been in prison and just recently released, these accounts were opened while i was in prison, I have reached out to the companies, collection agencies, credit bureaus, and asked for some proof of purchases, dates, contracts, or signatures, to this date i have not received any response, I then went to the police station with the evidence showing i was in prison when all this was happening and filed a police report which i have included along with a copy of my drivers license showing my signature in hope you can get the companies, credit bureaus or collection agencies to match it or show some sort of proof that these account are mine, which I know will be impossible because they are not mine, I hope you can assist me in getting this resolved and my credit cleared of these inaccuracies.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed inaccurate information on my credit report for a closed credit card. The information being reported has conflicting open dates, last payment dates, highest balance amounts and credit limit amounts. 

XXXX XXXX XXXX XXXX XXXX XXXX closed account
Consumer complaint received 2023-11-07
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. (MA)

lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-08-31
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (TN)

Grain Technology has inaccurately reported a 30 day late payment on my credit reports. My minimum payment is {$20.00} due on the XXXX of each month. The late payment is for the month of XXXX. My due date was XX/XX/XXXX. I made a payment of {$25.00} on XX/XX/XXXX XXXX days after my due date. It was a few days late but Not 30 days. Grain Technology acknowledged the payment through email on XX/XX/XXXX. A week later after acknowledging payment Grain sent me an email stating I was 2 weeks past due on my account. I was very confused by this but knew it clearly had to be an error in their billing department. So I tried to contact Grain immediately. Grain has no way of communicating with customers. Their phone number is an automated voicemail and they dont respond to emails or letters. They are also breaking the law by not having a way for customers to directly dispute an issue with them. Ive also disputed the late payment with XXXX and XXXX it has not been reported to my XXXX report yet. After sending proof of payment XXXX has still denied my request for removal. XXXX is going to send results in the mail. 30 day wait time thats a long time to wait while my credit score has been ruined by this. I want Grain Technology to inform the Credit Bureaus to remove this inaccurate 30 day late from my credit reports update my account to the correct balance and create a way for customers to communicate with them. This could have easily been resolved with a phone call but they have no customer service. That is unacceptable when you have such a major responsibility to consumers.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

I applied to Amex for a XXXX  card reference # XXXX. I was denied extension of my own credit by Amex. I contacted the underwriter team via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. In the mailings I informed the team that I can not be denied an extension of my own credit because the application that I submitted for services gave them a security interest which is an obligation of the United States. This makes it cash and I have not received valuable consideration for the security and that the security can not be minuscule consideration effectively masking a gift as a contract. I also explained that I wish to have my card issued to my name in an open-ended capacity. Amex responded to my mailings via the mail on XX/XX/XXXX stating they would be happy to complete my request if i would give them a XXXX ID number which I can only have if I was already an Amex card holder. I then called Amex multiple times to be told the same thing regarding my denial of credit. The last call was XX/XX/XXXX when Account Rep XXXX stated there was nothing she could do about the issue. I informed her that Amex was violating the Securities Exchange Act along with the Indentured Trustee Act and stated that I would pursue this matter legally if my demands where not meant.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Quality Recovery Services, Inc. (GA)

This morning XX/XX/2016 I received a phone call during my working hours by a collection company call Quality Recovery Service, Inc My boss told the woman that was in classroom with my students and could she take a message. The woman said no because I really need to speak to her about a personal issues. I have ask them not to call me on my job at all but they did anyway by harassment me. She was very unprofessional and extroidnarily accusatory towards me on the phone. The woman on phone stated that she 's been trying to call me but I have n't received no phone calls on my personal phone but on my job only. Then she threatened me by saying she will have my wages garnish and and take legal actions towards me if I do n't make any payments. She was so rude on phone with and hung up the phone on me.
Consumer complaint received 2024-01-10
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. (NC)

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. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  have violated my rights.

15 USC 1681 section ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) section 2 It also states a consumer reporting agency can not furnish accounts without written instructions.

15 USC 1681 ( C ) ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC ( C ) 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
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. (FL)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Please see attached drivers license, social security card, proof of address, FTC Identity Theft Report, and complaint letter.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

I submitted the SAVE application on XX/XX/23. Since then I have called multiple times about not getting the email every 10 days, as Nelnet promised, informing me on the processing of my application. This organization has also been predatory when it comes to how they don't allow automatic payments above the minimum payments.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (MO)

More mail today requesting bank information, I HAVE SUPPLIED ALL INFORMATION TO EXPERIAN AN I FLATLEY REFUSE TO GIVE THEM ANYTHING AGAIN NEVER NEVER NEVER GIVE THIS CROOKED FRAUDULENT COMPANY ANYTHING ELSE AND GOT MAIL SAYING AGAIN THAT 35 % OF MY CREDIT SCORE IS PAYMENT HISTORY, just imagine my score if EXPERIAN put back the almost 20 months of on time never late payments to XXXX  would be
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance XXXX {$0.00XX/XX/XXXX
Consumer complaint received 2022-12-21
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

I opened my Ally bank in late XXXX. Ally has locked my bank since XX/XX/XXXX, since I tried using XXXX. The agent I first spoke to said it was probably because I have a new account I'm like ok no big deal it will be fixed, it ends up being worse. The first agent claims she can't help me and to wait and restricted my withdrawals. I then called again to speak to a different agent to see if someone else can help, instead, I get met with an absolutely rude and sarcastic guy that went by the name '' XXXX '' from what he told me his name was. He then starts pestering me with a bunch of irrelevant weird questions on why i chose to use Ally Bank XXXX XXXX, like that's a problem, its a bank.I have the RIGHT to use any bank and the features they have all that I WANT. HE then, started asking me questions about who sent me money, and where are they from, and it was just so bizarre and weird because that's not the topic of why I called. He then told me that It seemed like another device accessed my account which ( was my XXXX ) then he proceeded to have this sarcastic voice on and tells me " well we cant close your account the review is going to take 3-5 days. '' Because I told them I want my account closed. This experience has been the actual worst. I call today for an update, and this agent asks me if anyone told me to make an AlLy bank. Like what? NO! These people are treating me like I am XXXX XXXX or something! I also tell her why cant my account be unlocked..? The agent last week said it would take 3-5 days ''. She tells me " I don't know why someone told you that, we cant give you an estimate. '' No bank has ever been this messed up and not true to their word. I have money tied up in here.! Ally 's customer service has been so terrible, and disgusting, agents are sarcastic and weird, and make you seem like you're being questioned by the police. What a joke.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX XXXX I purchased theater tickets on a website that I thought was the official ticket agent of the theater. The company is XXXX XXXX XXXX XXXX, website XXXX. I purchased these on my American Express card, account ending in XXXX. The charge was {$250.00}. Transaction reference number XXXX. The purchase was 2 seats for a performance of XXXX, the musical. 

Once purchased I wanted to access the tickets to give as a gift - have something to print out. I was given no way to do this and tried to contact the company to ask. There was no way to get anyone on the phone, chat, email, etc. - zero customer service with this company. I even googled how to contact someone there. I feel this on purpose, they don't want anyone to be able to reach them. 

I opened a dispute with American Express immediately, on that very same day. I did so on the AMEX app and then feeling I wasn't able to fully describe the situation I called Amex customer service. The dispute as opened under 2 dispute numbers : XXXX and XXXX. 

I purchased other tickets for the event and felt confident AMEX would resolve the matter, given the lack methods to communicate with this sham merchant. 

Today, I found out Amex closed both disputes saying they were unable to investigate the charge, for me to contact the merchant directly. There is no one you can simply just contact at this " merchant. '' That was the issue from the get-go. 

I never received the dispute resolution letter from AMEX. It is not in my account when I look in the message folder, where it is suppose to be, if sent. 

I will pay disputed amount and not withhold funds to AMEX for this. Frankly, it's not about the amount of money, it's the principle of this merchant being disreputable and having no way to contact them, and in my view an unscrupulous merchant. I want to do what I can to stop this company from duping other. 

I've been a AMEX account holder since XXXX  and always paid on time and carry no balance. It is my go-to credit card as their customer service is typically top-notch and they are known to back you up if and purchases need to be disputed. The only other dispute I had, in XXXX, was easily resolved. I felt confident this one would be easily resolved as well, and was shocked when it wasn't.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (IL)

On XX/XX/XXXX I received a call from upgrade saying that my payment was past due. I authorized 1 payment for XXXX  for XX/XX/XXXX. But on the XXXX of XXXX they withdrew 2 payments of XXXX  and tried to take a 3rd payment which was returned insufficient funds. This returned item cost me XXXX} for a return fee. On XX/XX/XXXX when I realized this, I called them and asked them to return the payment and was told they would return the extra payment asap. I was told to wait up to 10 days. Today when I called because the money has not been returned yet I was informed that since the next payment was due XX/XX/XXXX they kept the funds because it was too close to the next due date to refund it. I do not have an agreement with Upgrade for automatic payments and have not had for over a year now. They did not have authorization to take the 2nd payment out of my account and it is to my understanding that this is considered theft of funds. Plus they caused an overdraft fee of XXXX They are still refusing to return the funds even though they took them without my authorization.