davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2017-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I have a Bank of America credit card that was opened when I purchased    AAA. I opened the card to get a discount on AAA. I paid with a check for the first year of the AAA then the next year was billed to my credit card. I called and told them I no longer wanted AAA and I was under  the impression that it was canceled and the charge was being credited back to my credit card this was in  XXXX  of    2017.  I did n't get another bill until   XX/XX/XXXX  I  was still being billed f or AAA alo ng with late fees and interest I called Bank of America and they removed the fees but told me to conta ct AAA with my dispute. I called AAA and they told me that my membership was n't canceled a nd that it was to late to cancel it and that I had to pay for it. I called Bank of America back and tried to dispute it with them but they are telling me I have to pay it. I do n't understand how a credit card company can hold me responsible for something that I do n't w ant. AAA is telling me that there is no notes from where I called in  XX/XX/XXXX  however they also told me that if there is no change made to the AAA account that they do n't have to note it.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I called American Express to close the American Express Gold card.

During the call they presented some offers to keep the card open. After some negotiation, it was offered to cover, with existing points, the annual fee already charged, plus additional points after some spending. 

American Express failed to follow what was agreed. 

The annual fee charged has not been covered with points as agreed multiple times via phone. It was confirmed multiple times. I was even asked for a special security code to confirm the use of points. I was asked for this code twice. 

I contacted American Express customer service about this, via chat. The bank now denies, in writing, that I was offered to cover the annual fee with points, and only confirmed the part of the offer where I need to spend to receive points. 

I request CFPB and American Express to review the call made on XX/XX/2022 around XXXX XXXX 

Banks like American Express are very rigid when asking customers to follow terms, I've read horror stories about American Express, but as seem here, they fail to follow their own Terms- and I ask, what happens to them? Nothing?
Consumer complaint received 2022-10-22
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has been wrote off long ago and now there bring it back up and it's the same account two times how is that legal I'm contacting a attorney and the XXXX  account they know is not mine just like the cable account they deleted the address because I never lived there but left the debt on my report I feel like I'm being discrimination against me and I know there's attorneys who would be more than glad to take my case because there simple XXXX TransUnion and the other two are all doing the same thing just like it says I live and lived in Wisconsin never have I in my life lived in them places step up your game stop profiling XXXX people before we all come together and fight you all in court I'm definitely tomorrow contacting a attorney this is wrong and I have had it
Consumer complaint received 2022-10-22
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. (NC)

It has been drawn out into the open that Credit bureaus 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 Credit Bureaus 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, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (LA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-05-24
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: Experian Information Solutions Inc. (IL)

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report, I never gave them written consent to report them.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

On   XXXX   XXXX   XXXX     while reviewing my account with  Bluebird ( American Express )  I noticed a few transactions that I did n't authorize a ATM withdrawal of {$320.00}, an online purchase from  XXXX  of {$1.00} and an online purchase from  XXXX  for {$50.00} with all atm fees it totaled to be {$380.00} in unauthorized charges, I contacted  Bluebird via letter as in structed and immediately canceled my card. On   XXXX   XXXX   XXXX     at  XXXX  I recieved an email stating Hi  XXXX   XXXX   , We received your dispute for the transaction below and are currently investiga ting it. Well send you another email with in 10 business day s with more information, including whether or not were able to credit you for the charge.     Disputed Transaction Details : Transaction at  XXXX    XXXX   XXXX   Amount {$320.00} TransactionDate   XXXX     Questions? Call us at  XXXX  were available  24/7.      Thanks, The  Bluebird Team T han on   XXXX   XXXX   XXXX     at  XXXX  (  1 minute  later ) I received this email.   Hi  XXXX   XXXX , Recently you inquired about your charge  ( s ) from your American Express Prepaid Card in the total amount of {$380.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.      You have the right to review any documents we relied upon in making our determination.      You may request this information by writing to us at the following address : American Express Attn : Account Protection Service MC  :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  Thanks, The  Bluebird Team Than on    XXXX   XXXX   XXXX     at  XXXX  Hi  XXXX   XXXX    ,   During a recent review of your Account, we noticed activity that was in violation of the  Bluebird Memb er Agreement, section :  22D Due to the violation  your Account has been locked and your Account privileges have been suspended.     If you have any questions, please call Account  Protection Services  at  XXXX .     Thanks, The  Bluebird Team They did n 't investigate in less than a minute, and would n't give me a reason as to why it was n't even looked into.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (PA)

Im unable to access my funds. I opened this account in late summer 2022 and deposited around {$5000.00}. My account has since been locked, Ive tried providing the requested documentation multiple times but my account remains locked. Each time I attempt to contact customer support, hold times are thirty minutes or more.
Consumer complaint received 2022-10-22
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. (NY)

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Consumer complaint received 2022-10-22
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. (NY)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 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 2023-07-14
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-03-28
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-17
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: JPMORGAN CHASE & CO. (FL)

Please remove all late payment reporting from my credit report. 


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 ended consumer credit plan a late for purpose.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (OH)

I purchased my home  XXXX  of  XXXX  for  XXXX . Due to my divorce in  XXXX  I discovered my ex wife did not make mortgage payments for 6 months. I filed a Chapter  XXXX  and caught up with my mortgage payments. Within the last 9 years my mortgage payment never been 30 days late. A few months back I asked  Keybank for a payment history since the life of the loan. Keybank charged me {$30.00} which is illegal! I recently asked KeyBank for a payoff of my home. Keybank sent me a payoff of approximately {$77000.00}! My problem is this, in 18 years of paying Keybank o nly {$3000.00} was applied to my home loan!! This is considered  Predatory Lending in the State  of Ohio. My payoff is {$37000.0 0}!! Keybank also refuses to acknowledge my excellent payment history with all   XXXX   credit reporting agencies. I am enclosing all proof to my claim against Keybank.
Consumer complaint received 2017-05-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

On  XXXX   XXXX ,  XXXX  I entered a grocery store that had an inside  Wells Fargo Branch.  I closed my WF HSA account, Ref. #  XXXX , and received the {$18.00} remaining balance.   As of  XXXX   XXXX ,  XXXX  I do not have an insurance plan that offers an  HSA, an d would not be making any further deposits.     On  XXXX   XXXX ,  XXXX  I received an overdraft notice of {$11.00} dated  XXXX   XXXX ,  XXXX  from  XXXX . When I spoke to  XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX  stated that my account had been transferred to  XXXX  the next day or  XXXX   XXXX ,  XXXX . My first question is why would  WF t ransfer a closed account to a second bank? My second question is why did it take 7 months to let me know there was an overdraft issue?     When I take the next step to complete my complaint, the  HSA c hoice is not there to submit the problem to be addressed. Another banking shell game ... '' '' guess '' who is responsible and we 'll let them know they are in error ''.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mathew Aaron Holdings Inc. (CA)

An affidavit of Billing Error Notice was mailed to XXXX XXXX XXXX XXXX and/or XXXX, XXXX but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information. 
XXXX XXXX Collections XXXX XXXX/ XXXX XXXX XXXX - XXXX collection practices. 
CFPB XXXX XXXX of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.
Consumer complaint received 2023-01-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (PA)

I originally had a XXXX % fixed rate student loan with Discover Student Loans. The firm last week arbitrarily changed the loan to a variable rate loan without notice. They raised the interest rate to XXXX % raising my monthly student loan repayment amount from ~ {$1100.00} to {$1600.00} per month.
Consumer complaint received 2023-05-24
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: MECHANICS BANK (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Mechanics Bank Auto Finance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Mechanics Bank Auto Finance the financial institution and the Consumer reporting agencies XXXX XXXX XXXX XXXX XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX Mechanics Bank XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Mechanics Bank XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I was a victim of identity theft there are multiple things on my credit that I need to get them removed I have to file a police report, In the information is still showing on my credit report. I need to get National Credit System removed from my professional debt, National Credit System, Professional Debt XXXX XXXX XXXX XXXX XXXX,