davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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)

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 XXXX XXXX XXXX Acct name : XXXX XXXX XXXX Acct # XXXX Acct name : XXXX XXXX XXXX XXXX Account # XXXX Acct name : XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate 12 U.S. 5561 ( 5 ) - ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

XXXXyundai financial or Hyundai capital has lied to me 3 times about sending me a copy of my title to my home XXXX XXXX XXXX XXXX XXXX XXXX XXXX az. XXXX. 
You have filed 2 requests for title to be sent to me. They have now lied to you twice. 
XXXX. Hyundai stated had no record of said title. 
Then XXXX. Oops I guess we do have it and will send out immediately. That was 11 business days ago. 
If they are going to give me my title then buy it from me and take it away. Or give me my title so I can legally sell it.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XXXX XXXX of this year, I used Capital Ones Travel Portal to book a harbor-view hotel room with king bed for my husbands birthday. I have been saving for months to be able to afford a nicer room for this trip to an expensive location. I booked the room through the travel portal, for the XXXX XXXX. I was confirmed for a room with a king bed and a harbor view. I paid a higher rate ( {$850.00} before fees and taxes ) for two nights in a harbor-view room with king bed. Come today, XXXX XXXX, when I check in, Im given a room that looks out onto the hallway. The people waiting for the elevator can see into my room. When I asked the front desk about this, they told me my reservation did not specify a view of any kind, and they gave me a room that aligned with the third-party rate I had bookedaccording to them, under $ XXXX. I told them I paid almost $ XXXX after taxes, so the rate they see does not match what I paid. They did not have any available rooms that matched the description of the one I booked, so I am currently paying a premium to stay in a room that costs almost {$200.00} less a night. I called Capital One XXXX to rectify the situation and they were completely unhelpful. They insisted they had to call the hotels front desk to confirmI said go ahead, I am standing in the lobby and can wait. I waited for more than XXXX minutes, and the phone didnt ring at the front desk. I spoke with the front desk and told them to expect the call from Capital One. It never came. Then I was taken off of hold, and Capital One told me they were still waiting to hear from XXXX to confirm. They told me they would call me back. That was XXXX hours ago. Before getting off the phone, I asked if they could email me a confirmation that I had called and lodged a complaintall I am asking for is to be made whole here. I paid for a water view room with king bed, and thats not available. So I should only have to pay for the room that I am staying in. Its unethical for this credit card company to advertise this room, and claim they are booking this room for me at the premium rate, to then be placed just anywhere in the hotel, not what I paid for, at a steep price. Its the literal definition of a bait and switch.
Consumer complaint received 2022-12-10
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. (VA)

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy. 15USC 1681 Sect
ion 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (WI)

In XX/XX/XXXX, I, XXXX XXXX XXXX, purchased a brand new XXXX XXXX snowmobile from XXXX XXXX, located in XXXX, MI. The snowmobile was financed through Sheffield Financial , LLC, which is located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX their phone number is ( XXXX ) XXXX. Despite having good credit, Sheffield Financial 's interest rate on my loan was extremely high ( about 15 %, as I recall ). 

All payments between XX/XX/XXXX and XX/XX/XXXX were made on or before the due date to Sheffield Financial. In XX/XX/XXXX, I contacted my personal bank ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX ) to see about refinancing the loan at a lower rate. 

On XX/XX/XXXX, XXXX XXXX XXXX  issued a check to Sheffield Financial , LLC, in the amount of {$8500.00} ( Check # XXXX ) to satisfy the remaining balance owed for the original loan from Sheffield. The loan issued to me by XXXX XXXX XXXX  has also been paid in full. 

Despite both the original loan and the refinanced loan being paid in full, Sheffield Financial continues to show on my credit report that I owe them a balance of {$9200.00}, with the last payment being made in XX/XX/XXXX. Prior to refinancing the loan, I made a payment in XXXX of XXXX, and I believe that I also made XXXX in XX/XX/XXXX ; neither of those is reflected on my credit report. The account balance is listed as " Current '', although it should reflect a {$0.00} balance and that the account is " Closed, paid in full '' as of XX/XX/XXXX. 

I've contacted Sheffield Financial two or three times to have this problem corrected. Each time they have said the records would be updated, but to date, nothing has been done. I have also disputed the account through the credit reporting agencies, but to date, no changes have been made.
Consumer complaint received 2024-05-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NJ)

I purchased this card at XXXX and tried to register the card. The representative indicated I had to send information with my name, social security number, and address. I need to send this information to use my card asap.
Consumer complaint received 2022-12-10
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: GOLDMAN SACHS BANK USA (GA)

I contacted Goldman for help related to transaction disputes in the amounts of {$97.00} and {$43.00} with the merchant Apple. Goldman issued temporary credits while the account was in review. Apple issued the refunds that were posted to the account on XX/XX/XXXX. After Apple  issued the refunds and the bank Goldman reversed the temporary credit, my account balance should be XXXX. However, the bank Goldman sent me a statement for XXXX XXXX XX/XX/XXXX requesting payment in the amount of {$140.00} for the dispute reversal. I do not owe that amount and I'm not paying it. This is my 3rd attempt trying to resolve this issue amicably. Seems as if this matter will have to be litigated.
Consumer complaint received 2024-05-06
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

This was purchased as a gift to me and when I went to use it, the value was only {$17.00}. Not {$100.00}. 

When you call the company to dispute the problem, they told you that you have to upload your government ID to their website and share personal / confidential information. This company is taking more money than the cards are worth and then taking advantage of consumers to share private information with them on the back end. Complete SCAM!!!!
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

For XXXX Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

PNC Bank has been erroneously extracting funds from my account. The company has acknowledged the fault was due to a " coding error '' of their electronic check reader for online banking system. Their coding software was interpreting an incorrect account and routing number for someone else 's check and was withdrawing funds from my account intermittently over the course of 3 years. I did not realize this unfortunately due to this being within my inactive " Growth '' account in virtual wallet. I did not even have checks for this account. 

I caught the error and they apologized, but they only offered to " adjust '' the last 10 transactions for {$1200.00} dollars while they still owe me {$2900.00}. They have admitted fault, and agreed the additional funds were withdrawn due to their banking error. However, multiple party members refused to pay the additional amount due to them occurring too far in the past. 

Of note, they attempted to clear another {$2000.00} check from another account when I pulled the funds, but I did not have enough funds in the account at that time. Instead they charged me {$36.00} for a bounced check that I did not write. Still waiting for that reimbursement. I would like to close the account, but feel like I can not until I get this rectified. 

Total they owe me is : {$2900.00} The credit relationship officer acknowledged they were in the wrong and wished she could reimburse me the full amount, but said her superior refused. She also said they would call me back in 5 business days, which has since passed.
Consumer complaint received 2022-12-10
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-12-10
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. (VA)

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

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

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2022-11-24
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: EQUIFAX, INC. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-12-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021
Consumer complaint received 2021-01-08
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. (NJ)

*XXXX XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX  XXXX  XXXX {$310.00} Charge off REMAINS *XXXX  XXXX  XXXX {$0.00} Acct REMAINS
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The branch manager XXXX XXXX NMLS ID : XXXX refused to service me, harassed and humiliated me. It supposed to be a simple transaction at a branch. I just wanted to make {$150.00} deposit to my checking account. I gave a teller my current California driver license and it was sufficient enough so she located me in Chase database. I have XXXX addresses and the address on Chase file is current XXXX but does match the address on my driver license. Every time I make a deposit at the same branch, I can hear the same question.. Can you verify your address? And I mentioned many many times to make a note on the file. This time I just refused to answer and said the address on file the address I have. Apparently, it was not enough to establish my identity. XXXX XXXX was right behind the teller and told me she won't service me until I verify the address with Chase. I explained my position several times and were told it is The branch internal policy to identify myself by the address. Not sure since then the State ID is not enough! I asked to show the policy in writing and XXXX declined my request. Instead, she called XXXX police department since I refused to leave. 5 minutes later I was interrogated by Sheriff and XXXX police. I feel like humiliated doing nothing wrong. I would like to have a full investigation of the incident and receive a report with the taken action against XXXX XXXX.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2023-11-09
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 (IL)

I have a credit card issued by American Express. I subscribed to an online streaming service based on a monthly fee using my American Express card. The service was subject to a Free Trial period. I cancelled the service within the Free Trial period. The merchant cancelled the service but charged me for a full year of the service. So, I don't have access to use the service but was still charged for the full year. I opened a dispute with American Express and provided documentation supporting my dispute. The merchant also provided a response to the dispute. American Express found in favor of the merchant ( XXXX XXXX XXXX ) and sent me a letter containing the merchants response and asked for additional information from me to re-open the dispute. 
The problems : 1. I already included the information they requested when I opened the dispute, but I did provide the information again along with more detail.

2. I read the response from the merchant and it was filled with discrepancies and fraudulent. It is easy to see this if you read through the response in detail.

American Express reset the dispute in their system to status of Unsubmitted and it would have been deleted from their system in XXXX hours had I not caught. I contacted American Express by phone and asked them to explain why they reset the dispute and they could not give me a reason. I then asked if they received my documentation and they said yes. So I asked to discuss some specifics of the documentation and they could not. It then became obvious to me that the lost and never read the documentation I provided and I dont believe they read the response from the merchant either. If they had, they would have seen the same fraudulent discrepancies that I did. The merchant is based in a foreign country and has numerous complaints on the BBB for doing what they did to me. 

I do not believe that American Express is fulfilling their fiduciary responsibility to protect their customers against fraud and theft. At least not in my case. I will attach more information to this complaint.