davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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: DISCOVER BANK (MO)

I reported unauthorized transactions on my Discover Credit Card XX/XX/XXXX. There were many charges from XXXX different merchants, XXXX of which I had never heard of until I saw their transactions. I have spoken with XXXX of the merchants and received a 'we are working on it " type email from the XXXX. i requested proof that my credit card was used by someone else on accounts I never opened. These are the charges. 

XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$330.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$390.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$560.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$80.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$43.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$79.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41.00} XX/XX/23 XXXX XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$26.00} {$14000.00} Discover was investigating the issue but closed the case saying " they couldn't get a hold of me '' but they never reached out via email, mail, phone, or text. I had to reopen the case and provide all of the information again. Discover tells me that if I have any additional information at any time to reach out and share it with them, however I was dismissed and talked over. I feel that no matter what I do to cooperate and provide more information, they do not care.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

n 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 a account without my written instructions
Consumer complaint received 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSWORLD SYSTEMS INC (VA)

My name is XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that have appeared on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. 

The erroneous collections I am disputing are listed as follows : Collection Agency Name : Transworld Systems I Account Number : Unknown Amount of Debt : XXXX Date of First Delinquency : Unknown, it just appeared on my credit report I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt. 

I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX, if you require any further information from my end. 

Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (OR)

The company did not disclose a XXXX percent interest rate on a XXXX dollar loan they are charging me around XXXX dollars. The loan contract was deceptive and I saw XXXX payments they said XXXX to pay off, afterward the contract glitched and changed into something different. I suggest this company to be investigated for fraud. 
They are a federal tribe whom is illegally operating and taking advantage of individuals who are in need of instant cash. According to my research it has been founded that this company is fraudulent, and is not an actual tribe that is legitimate in the United States.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (DE)

American Express employees appear to be manipulating and mishandling consumer information. They are creating customized reports and using these reports as the basis to make serious and heavy-handed decisions against there customers. In many cases, inflicting financial harm without warning. In this case, American express is treating the information in this tailored letter as a major negative delinquency factor, and claiming verbally that this is the sole reason why they must take immediate negative action against their customers. They verbally claim there's nothing they can do because they have to take responsible immediate action based on how they receive information and instructions from the credit bureaus. They verbally state they will send you additional information to support their decisions, but never do, because it doesn't exist. When checking with all three credit bureaus, there is no visible evidence of Amex making any recent soft or hard inquiries. It appears the company is pretending to run live credit checks, but in reality just recycling old information repeatedly, manually copying and pasting bits of data from random sources, and crafting their response letters to carefully fit their premeditated systemic targeting of customers.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harvard Collections, LLC (FL)

HARVARD COLLECTION SERV XXXX XXXX XXXX XXXX, IL XXXX The collection agency is HARVARD COLLECTION SERV. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXXI have never made any business with this people, I have NO knowledge of this account nor I owe any State Departments any money. I have already reported this to the Credit Bureau, but apparently this company tends to do this not only did they make my credit score go down XXXX points they do this to many other people. I read all the reviews this company needs to be investigated.
Consumer complaint received 2023-05-15
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. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX ( Original creditor : XXXX XXXX XXXX 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 item 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 2024-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (SC)

Originally on XX/XX/year> I purchased an engagement ring through XXXX. Unfortunately the ring was sent to the wrong address because XXXX dropped it off at the wrong address. I contacted XXXX and they did an investigation, which concluded with them finding that they indeed made an error and sent the package to the wrong address. 

I was going to XXXX in XX/XX/year> and was planning to propose there. XXXX and the resolution center was taking a longer time to resolve the issue. I then reached out to Wells Fargo. Wells Fargo gave me a credit for the purchase. During which time I was unaware that Wells Fargo needed additional information from me. Today XX/XX/year> Wells Fargo reversed the credit citing that I had not responded to a postal mail request from them. However, all my preferences for communication are set for email. 


My account is currently overdrawn because I reached out to Wells Fargo for help. If it was a matter of simply sending them in anything I was more than able. I still have all the correspondence between myself, XXXX and XXXX. This is all because the engagement ring I ordered went to the wrong address. I am currently unemployed and my unemployment insurance has been very essential to my well being and now I am in a much more challenging place because of my bank.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX  NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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)

This is another update to the original complaint : XXXX XXXX The following attachments show there was no USPS investigation until the buyer, XXXX XXXX requested one XXXX The USPS responded with a letter, attached. XXXX XXXX told me on the phone their records show no inquiry or claim was made by the seller. 

Another attachment will show my response based upon this investigation, that was sent to executives at American Express.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

Regarding CFBP XXXX XXXX : XXXX I am re-opening a complaint here and providing the additional information requested as the reference above has already been closed out and there was no way to respond to it. 

I called in to Amex the number on the back of my card to provide additional information as instructed per the response AMEX sent me dated XX/XX/2024. They were unable to get me to the correct department to provide the information requested in XXXX XXXX XXXX : XXXX. The Customer Care representative gave me a ton of hardship even after explaining to him that I have additional information I would like to submit as instructed by your team. Although he could not open the letter, he did have access to notes but still refused to help. This morning has been extremely frustrating for me when reaching out to AMEX on this matter. 

This is why I am attaching this additional information for your review here and hope someone at AMEX in the correct department or A. Young, can reach out to me about this matter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NJ)

Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear American Express I , XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that American Express is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing.

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute.

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (CO)

XX/XX/XXXX I received a balance transfer offer via email. 

XX/XX/XXXX I contacted Elan Financial Services/US Bank to proactive obtain information on how to proceed with a balance transfer as I'd never done one before. 

I was told to go to the Elan Financial Services/US Bank website , login and choose " request balance transfer '' from the drop down menu and enter the information on the amount transferring and the financial institution where the balance transfer would be sent. I was told that the funds would be sent and received by the other financial institution within 14 days. 

XX/XX/XXXX I initiated the balance transfer on the website, per the instructions received on XX/XX/XXXX. My balance transfer was flagged for further verification and I was instructed to call Elan Financial Services/US Bank . I called Elan Financial Services/US Bank , was verified and was told that the balance transfer was complete and to expect an email with written confirmation the following day, Monday XX/XX/XXXX. 

XX/XX/XXXX No confirmation was received. 

XX/XX/XXXX I attempted to login to my account online and it was locked. I was directed to call an XXXX number for verification. I called and was verified. I also asked if the payment would be received by my other bank by XX/XX/XXXX because of the delays on Elan Financial Services/US Bank 's end. I was told that they could no longer guarantee that they would receive payment by XX/XX/XXXX. 

I then told Elan Financial Services/US Bank that I wanted to cancel the balance transfer. Elan Financial Services/US Bank refused to cancel it. I repeatedly begged for a supervisor. Elan Financial Services/US Bank refused to put me in touch with one.

So, Elan Financial Services/US Bank doesn't honor timelines provided by their representatives. Repeatedly flags me for fraud even though I answer all questions correctly, login from the same place every time and there is no fraudulent activity on my account. And their fraud investigations delay every interaction. 

THEY REFUSED TO CANCEL THE BALANCE TRANSFER. I DO NOT WANT TO MOVE FORWARD WITH THE BALANCE TRANSFER AFTER ALL OF THIS. BUT NOW THEY REFUSE TO CANCEL THE BALANCE TRANSFER WHILE REFUSING TO SEND PAYMENT TO THE OTHER BANK BY XX/XX/XXXX. 

I have no documents to attach because everything transpired on the phone because of all of their fraud holds. The only thing I have is a confirmation number : XXXX Balance transfers are predatory. The representatives engage in misinformation and mental abuse. Please make these illegal. I can't imagine what they do to desperate people who are deep in debt.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TN)

I have contacted the listed creditor to provide proof of consent without successful response from them.

According with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 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.

I find that the creditor has violated all of the laws stated above. I request that their reports be removed from my credit report immediately.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Creditor Name : XXXX XXXX Im accordance with the Fair Credit Reporting Act 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
: also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-03
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. (IL)

The credit bureaus are reporting false information and wrongly furnishing my reports. Also i went to a car dealership that shopped my info around without my permission. I did not authorize anyone to use my information or shop it around. These are fraudulent accounts that i need removed immediately. The accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc (GA)

On XX/XX/year> I used the " mail a check '' feature via the Chime Banking app to send a check worth {$56.00} to my insurance. The request was put in and the app informed me that the check would arrive by XX/XX/year>. I got a notification somewhere around XXXX XXXX that the check had been cashed. Unfortunately, I am unable to see when exactly the check was cashed in the app/website. On XX/XX/year> I received a letter from my insurance stating they had not received my payment. Upon speaking with them they requested that I send proof of the check by sending a copy. I called Chime and I was immediately told by the customer service rep that they don't provide a copy of the checks, they could only provide me with my bank statement. I called them back two more times to clarify. They reiterated that they don't keep copies of the checks and can't provide me with anything for proof except a bank statement.