davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (TN)

My identity was stolen in XXXX of this year. The thieves said they worked for XXXX XXXX, a legitimate company, which I had used previously for computer protection. 
Along with other money I have lost, my American Express XXXXXXXX monies were transferred to an American Express XXXX  account that I did not open. 
{$41000.00} was taken out of my American Express XXXX account and transferred to an American Express XXXX account in my name that I DID NOT open. I did not authorize this and now my funds are gone. 
On XX/XX/XXXX, {$4900.00} was transferred out of that checking account and wire transferred to XXXX. On XX/XX/XXXX, {$19000.00} was wire transferred to XXXX XXXX. On XX/XX/XXXX, {$16000.00} was wire transferred to XXXX XXXX XXXX. 
I do not know XXXX XXXX nor have had any dealings with XXXX XXXX XXXX. Several accounts were also opened in my name that I did not authorize ; XXXX XXXX, XXXX, and XXXX. 
I have had this savings account for many years. I transfer money from my XXXX XXXX XXXX account monthly to this savings account. Normally, {$2000.00}. 
After calling and talking to several American Express employees in the fraud department over several weeks, American Express has sent three letters to me, all dated XX/XX/XXXX. 
Each letter had a different case number according to dates and dollar amounts taken from my account, as indicated above. American Express stated, in all three letters the following, " Based on the results of our investigation, we do not find that any error occurred. Therefore, no funds will be credited to your account as a result of this dispute ''.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. 

Attached you will see the document
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-04-28
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. (OH)

I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.
Consumer complaint received 2023-10-24
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: OneMain Finance Corporation (CO)

Fraudulent access to my consumer credit report after misleading practices which have been reported to the Federal Trade Commission today, XXXX. I did not give One Main Financial permission to run my credit for a vehicle collateral loan. I do not have a vehicle to put up for collateral, so I would not be applying for a loan that requires it. The prequalification assured that no hard inquiry or credit pull would show up on my credit. The hard inquiry is on my credit and the One Main Financial Customer Relations Department refuses to remove it. I called XXXX and spoke to XXXX today at XXXXXXXX XXXX and I also submitted another complaint ( after sending one via email and speaking to two representatives that promised the inquiry would be removed from all credit reporting bureau reports ) via the Executive Department of Customer Care , One Main Financial at XXXX. No resolution. I was not notified of investigation status or results. Difficulty submitting a dispute or getting info about a dispute over the phone -- customer service just keeps giving different phone numbers and playing phone tag with the customer, promising to remove and not remove. I asked for the written authorization as well as the decision today.
Consumer complaint received 2023-10-24
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. (VA)

There are inquiries that I never authorized reporting on my consumer report. I tried resolving this with the credit reporting agencies, but I have yet to receive the validation I have requested. This is a direct violation of my consumer rights because the inquiries are still reporting on my consumer report.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

XXXX   XXXX ,  2017 , I opened a Pep Boys credit card to take advantage of the 6 months same as cash offer that is advertised on Pep Boys web site and at their store in  XXXX , CA. Pep Boys uses Synchrony Bank for their credit cards. I was approved for more than enough to cover the repair however, the Synchrony Bank representative told me I could not use the card for my current repair purchase and had to wait until I received the card in the mail to use it. I would not have spent the time opening the card if I could not use it for the current repair purchase and take advantage of the 6 months same as cash offer. I have no complaint with the service person at Pep Boys. He was very patient and accommodating. I do have complaints about the attitude of personnel at Synchrony Bank.
Consumer complaint received 2023-08-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (OH)

On XX/XX/2023 a new collection was added to my credit report by Consumer Adjustment Company Inc. for {$400.00}. They claim that I opened the account in XXXX, 2023. 

They did not attempt to contact me prior to reporting it. I have no knowledge of this debt. I disputed it XXXX week ago with the credit bureau but they claim it was verified.
Consumer complaint received 2023-04-20
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: C. Edwin Walker Attorney at Law (IL)

I received a letter from C. Edwin Walker, Attorney at Law, XXXX XXXX XXXX. XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX XXXX, IL XXXX, stating that I owed {$480.00} to XXXX XXXX , XXXX plus reasonable attorney fees for work that they completed at my home. I requested written verification that my credit card was presented for payment and rejected by my bank to insure that the plumbing company did try to present the payment and to rule out any type of bank fraud that might possibly have taken place. The money was available at the time of payment and I paid other workers with cash from the same bank account after the date that XXXX XXXX was issued my credit card number. If the plumbing company presented the card request within one to two days the card should have gone through. If the card was rejected by XXXX XXXX bank or my own bank the POS ( point of sale ) machine would have issued a receipt showing that the payment was declined. The attorney told me to go to my bank and get verification that the plumber 's payment was rejected but I stated that debt collection laws required his company to do the work by requesting the information from the company that is accusing me of the crime of non payment. C. Edwin told me that he would advise the plumber to file a civil suit against me. I do not believe that C. Edwin Walker is a valid Attorney at Law and I am requesting an investigation into the matter by the Consumer Financial Protection Bureau. Sincerely, XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2018-05-14
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Approximately two years ago, I purchased the XXXX through XXXX. It has been determined that the product will never ship and was simply a fraudulent way for the XXXX  creator the obtain money from consumers as a scam. I have spoken with the credit card company and with XXXX and the vendor, and nobody seems to want to take responsibility for refunding the scammed money.
Consumer complaint received 2023-10-27
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XX/XX/2019 this company incorrectly reported my account as delinquent. They then reported my payment current for XX/XX/2019 but report XXXX XX/XX/2019 delinquent. After learning this I contacted the company and on more than one occasion was assured it would be corrected. Apparently they had misapplied a payment but the information they reported was inaccurate. A supervisor agreed to remove all delinquencies. The account was closed. To date they have not removed these delinquencies. My account has always been paid on time.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

When Covid-19 emerge I lost my job and wasn't able to pay full monthly payments. I have sent partial amounts every month less than the amount due. The bank charged me with late fees and overdraft fees during the entire time. Even though I sent in my partial payment before required due dates. I've constantly tried to work with them on several occasions since I lost my job during Covid-19. I've repeatedly asked for some assistance in this matter and unfortunately I'm still unemployed. Also, this account has been reported to all 3 credit bureaus as a charged off account.
Consumer complaint received 2017-04-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

first it 's a used car. when i applied for the car loan, the price of the car was {$12000.00} and when i signed the papers the price became {$16000.00} for 72 months. after 1 payment they added another month and now i have 73 month. after 4 payments the amount is still the same. it 's like i 'm not paying nothing. i think they are trying to steal my money. i gave them a deposit of {$2500.00} and i dont know what they did with that money. please help me. my car loan is from santander consumer usa
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 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 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Best regard The following complaint is to make a complaint to Bank of America and the Visa Unlimited Cash Rewards Credit card, since they have been charging me dishonest and unjustified interest. 
They granted me credit on a card that currently has its last 4 numbers ending in XXXX since they decided to change the card number during the year of use. The agreement established with XXXX XXXX XXXX was that they gave me the credit card with XXXX interest payments for 18 months. 
I started using the card on XXXX XX/XX/XXXX and the agreement was for 18 months, meaning that the term should have been met on XXXX XX/XX/XXXX ; but they decided to start charging me interest on XXXX XX/XX/XXXX in the amount of {$140.00} when in reality the agreed period of 18 months was due on XXXX XX/XX/XXXX. Given this, I decided to make a claim to the Bank, but they told me that the system did not allow them to return the money, because supposedly, according to them ; The deadline had already ended and that in the course of the days they would decide what to do, so I waited patiently without any result. 
Then I had to desperately get the money and decided to completely pay the card debt with a balance of {$6100.00} on XXXX XX/XX/XXXX and I did this with one month left of the promotion I had to use the card without any interest. 
But this was not dishonest enough for Bank of America and its Visa card, when I had already paid my debt in full, they again charged me interest of {$100.00} on XXXX XX/XX/XXXX to which I felt attacked and made another claim for their dishonest treatment, to which they responded in the same way as what was previously mentioned. 
So I felt so humiliated that I decided to close my checking account after 13 years of having an account with them, and they didn't care at all about how loyal a customer I had been. I changed banks, of course still leaving my credit cards open, but as much as possible today I try to use them very little. 
Then on XXXX XX/XX/XXXX I paid the dishonest amount that they had charged me in the amount of {$100.00} so as not to have any other problems with this card. 
Due to the aforementioned, I have decided to go to the CFPB to help me recover what belongs to me and not let these entities get away with this and continue committing this type of fraud and deception. What exactly I am asking for is that the two charges for unjustified interest charges of : XXXX XX/XX/XXXX {$140.00} and XXXX XX/XX/XXXX {$100.00} be returned In total it would be {$250.00} which I ask to be returned to the card as soon as possible. 
thanks for your help
Consumer complaint received 2023-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (WI)

I received a letter via mail from Phoenix Financial Services on XX/XX/XXXX stating I owed a debt totaling {$1500.00} from XXXX XXXX XXXX XXXX XXXX for a XX/XX/XXXX date of service. I confirmed I was seen in the emergency room of XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX  on XX/XX/XXXX via my online account and visit history, and did receive a bill for this amount, however I confirmed with the original creditor verbally via phone on XX/XX/XXXX that it was paid in full on XX/XX/XXXX and I do not currently have any outstanding debts. Furthermore, I was advised that the creditor does not work with this debt collection agency and has no idea why they would be contacting me. Due to the letter I received stating I needed to " call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. ", I contacted the phone number listed to verbally dispute the debt and advised them to contact the original creditor if they have any further questions as it was paid in full and provided the date of payment. I find it suspicious that I was contacted randomly by a debt collector after 4 years from the service date advising that I owed a debt in full that was already paid.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (OR)

I recently viewed my Credit File with XXXX, and noticed an account that was listed as Open, when it should have been listed as Closed. So I disputed the account information and received a notice from XXXX that my dispute was denied. The bank verified that my account is still open. It should not be open. Also, there is a balance of {$43.00} being listed as due on this account in my credit file. This is wrong. I paid this account in full to XXXX balance and then after confirmation that my payment was processed, I called the number on my card and requested this account to be closed. My final statement dated XX/XX/2023 shows the final payment of {$43.00}, with a XXXX XXXX of XXXX. This is the final statement that I received for this account. I have received no other statements since this final statement requesting payment or showing a balance due. When I go online to my accounts on the bank website, there are no credit card accounts currently listed.