davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit 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 (VA)

I spent {$63.00} at XXXX XXXX by XXXX in XXXX XXXX which is a XXXX XXXX  property. This amount is supposed to count towards the Amex Offer I enrolled which is " Get a one-time {$100.00} statement credit by using your enrolled eligible Card to spend a minimum of {$250.00} USD in one or more purchases on room rate and room charges at participating XXXX XXXX properties in the U.S. and U.S. territories , the XXXX, XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. See terms. '' Combined with other expenses at XXXX, I would be qualified for that {$100.00} credit as stated in the offer. However, the digital team at American Express told me this transaction is not eligible. Even though XXXX XXXX by XXXX is not excluded in the terms and conditions of that offer, they still told me that it is not eligible. This is deceiving and not right. The terms and conditions does not say " excludes but not limited to '' or " ..., etc. '' My transaction has met the condition, is not excluded according to the terms, but I still didn't receive the credit. 

" Your enrollment of an eligible American Express Card for this offer extends only to that Card. Offer valid only on room rate and room charges at participating XXXX XXXX properties in the U.S. and U.S. territories, the XXXX, XXXX and XXXX. Reservations must be made online at XXXX, via the XXXX XXXX XXXX or by calling XXXX. Excludes The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX by XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX  by XXXX XXXX XXXX and XXXX. XXXX I have pulled up the XXXX XXXX that shows city express part of it and shared a screenshot below. 

XXXX XXXX XXXXXXXX? XXXXXXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Amex sent a letter after I filed a complaint stating that although the aforementioned hotel " is a part of XXXX XXXX affiliate to XXXX XXXX, you may not receive the statement credit if we XXXXeceive inaccurate or are otherwise unable to identify your purchase as qualifying for the offer ''. However, when I reached out to Amex customer service on XX/XX/XXXX or XX/XX/XXXX, the customer representative was able to verify the aforementioned hotel after checking the hotel 's website and told that she will send this information to the team and this {$63.00} will be counted towards the offer. If your customer support has said so, that means you were aware of this information and even if the original information was not accurate, the customer representative was able to verify it and provide the rest of team of the accurate information. If you ( Amex ) deliberately tried to ignore the correct information provided to you by the offer expiration date, you were at fault then. I would like to claim the {$100.00} was supposed to get or equivalent reward points as compensation for this matter.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (LA)

I was charged overdraft fees on XXXX for a transaction for {$380.00} that posted on XX/XX/XXXX but I wasn't given 24 hour grace period. I made a deposit on XX/XX/XXXX, before the 24 hour cutoff to cover the amount. 
I was charged an overdraft fee on XX/XX/XXXX for a {$100.00} transaction that occurred on XX/XX/XXXX, I made a transfer on XX/XX/XXXX to cover the transaction. I was not given 24 hours. This is repeatedly happening.
Consumer complaint received 2023-07-21
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. (GA)

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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-01-18
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (TN)

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for MEDICAL DATA SYSTEMS license. I have found they are in direct violation of  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. MEDICAL DATA SYSTEMS does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNE  SSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager  who has submitted an application on a form prescribed by the board.  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  MEDICAL DATA  SYSTEMS is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Consumer complaint received 2024-01-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

My contract has a specific tax to be added to my monthly lease payments of {$30.00}. The Hyundai Motor finance decided to change it to {$35.00} that is different from what I have in the contract that I signed at the time I leased the car. I contacted the financial institution and I was told to take my issues with the sales assessor office and that it is not their fault. I should not be charge anything different than what it is on my contract. It never happened to me in over 30 year and in over 10 car transactions to be sign a contract at leasing for x and when my first payment came to be asked to pay a different amount. What Hyundai Motor Finance is doing is deceiving and is asking for overall {$160.00} more in payments for the durations of my lease.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

Company reported my loan 30 days delinquent was it was not. Company reported that a previous loan was 30 days late so they should not have reported that my current loan is 30 days late when it is a totally different loan number
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MS)

I have been trying to get my money back for nearly {$700.00} fraud charges that occurred while I was in the hospital in XXXX. All of my things were stolen and I informed every single rep and supervisor that I spoke to, of that. The dispute was filled out wrong not once, not twice, but three times! The first time, the rep included transactions that did NOT belong in the dispute and also put doesnt remember these transactions as the reason for the dispute, when I told him multiple times prior to submitting it that my purse ( all of my cards were in it ) and phone was stolen the night I went to the hospital & that they were fraud charges. I immediately canceled my cards when I got out of the hospital and got a new phone that same day. I also told that same rep that I had my hospital documents & report. I was told none of that was needed. Okay. A week or so later of going back and forth because the dispute was closed, I asked for a supervisor. She was very apologetic and admitted that the rep was at fault after listening to my calls, she supposedly reopened it and told me I would be refunded in two days and I NEVER was. Here I am nearly two months after opening the initial dispute with NO resolution. Im tired of typing this story over and over, Im tired of repeating it verbally over and over. Ive contacted Wells Fargo SEVERAL times about this matter, I got sick of contacting them with no resolution but every time I look at those transactions I get upset knowing I didnt make them & Im being held at fault for THEIR agents negligence when my calls were listened to & the supervisor said herself the rep was 100 % at fault & apologized to me. Ive been a customer since 2017 and Im on the verge of getting a lawyer because this is unacceptable.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Requested information from my HSA account for help in providing a voided check/deposit slip. I have never been provided with checks from this account, so I went to the website and I was live chatting with a person online from their support center, and would not provide me with assistance.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Chaparral Inc (MI)

On Many occasions, North Coast Financial based out of Ohio continuously are making inquiries on my credit report and I don't even live in the state anymore. it's been almost XXXXyears since Ive moved and this company steadily makes inquiries on my report for the reason : To make sure I get denied for everything I apply to, Intentionally putting incorrect items/amounts on my credit report basically saying I owe them XXXX for a car that's worth- XXXX ... a car that they been had back years ago, This is illegal and they can't say they've been trying to contact me because I blocked them after their threatening phone calls and their Devious ways of going about their business but I never blocked them from email contact which they don't prefer due to recordkeeping, their a shady company I should've never let get ahold to my personal info and they should be dealt with in such a legal manner that this stops now.
Consumer complaint received 2024-01-18
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: CITIBANK, N.A. (GA)

On XXXX XXXX a credit card was processed without my consent to CBNA. I reported this fraudulent activity to CBNA on XX/XX/XXXX. The credit card was frozen and the processing stopped. In XXXX XXXX  I reported to CBNA the hard inquiry was still showing on my credit report. I was informed from they had reported this to the credit bureaus. I was also told I should have received a letter from them regarding the fraudulent credit card processed without my consent. I never received any information regarding this situation. I also disputed to XXXX I was told I need to contact the company. The hard inquiry still showing on my credit report.
Consumer complaint received 2024-01-18
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX 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 2024-01-18
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1st they have an address as my previous address XXXX i never lived there 2nd they have a public record nj federal court account # XXXX thats not mine they refuse to investigate have them send you proof XXXX account XXXX account # XXXX this is being reported in correctly also XXXX account # XXXX this account as well is being reported incorrectly
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1980 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.
Consumer complaint received 2023-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

It has come to my attention that Navient has not been counting my payments for years. I have made small payments and my balances have remained the exact same. No change at all. I have been writing them for months and they refuse to acknowledge these payments. Even recent payments I have made. 
They are punishing me for forbearance which was administrative due to them being sued. So it is their fault that payments were stopped but they were still charging interest and not counting payments. 
I need help. They refuse to apply these payments and lower my total balances. 

I am sending the proof. At the bottom of each loan you can see several payments made. They tried to say that my payments went to interest but at the same time told me my balances were to sum total of my interest and principal. 
So they are lying.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax, XXXX, XXXX Dear Equifax, XXXX, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card and auto lon account under an open-end consumer credit plan as later for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including.

The information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 20 days before the payment due date. 
I NEVER gave You, Equifax, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You EQUIFAX, XXXX, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX  Acct # XXXX XX/XX/XXXX By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

my loan was sold from XXXX to nationstar. nationstar failed to send me a letter so i was sending my payments to the wrong company. I tried to pay them this month and realized my mortgage had increased {$20.00} a month. when i called and questioned them they said that it was " projected '' that my taxes would go up so they needed more money. They claimed they sent me paperwork explaining this months ago but they did not. I do n't have the extra funds available because they think my taxes are going to increase.