davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

My loan was sold to a new servicer effective XX/XX/XXXX. I did not discover this until today, XX/XX/XXXX, and I only discovered it because I noticed the payment I made on XXXX had not yet been pulled out of my account. When I contacted Cardinal financial I was told that the loan had been sold and the payment was returned. They told me they mailed me a notification of the change on XX/XX/XXXX ( which I have yet to receive ). As I understand the rules, they should have given at least 15 days notice. Instead they mailed something out 6 days before my payment date and called on XX/XX/XXXX after XXXX. There was no email or secure communication through the website, despite the fact that I'm a paperless customer.
Consumer complaint received 2023-10-04
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: JPMORGAN CHASE & CO. (FL)

I CONTRACTED WITH MARRIOTT MEMPHIS FOR A CERTAIN NUMBER OF ROOMS. THE HOTEL CHARGED ME FOR THE UNFILLED CONTRACTED ROOMS. THE CONTRACT WAS COMPLTED BY THE AMOUNT CHARGED. HOWEVER, THE CONTRACT ALSO STATED A CERTAIL LEVEL OF MARRIOTT POINTS WOULD BE AWARD WITH THE COMPLTED CONTRACT. THE POINTS WERE NOT AWARD FOR HOSTING THE EVENT PER THE CONTRACT.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DEEP SOUTH FINANCIAL SERVICES INC. (LA)

Deep South Financial Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX
Consumer complaint received 2023-07-05
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. (TX)

On XX/XX/2023, per the FCRA, I notified XXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (NV)

Traded in a vehicle at XXXX XXXX XXXX got unfair customer service use credit without permission and many times messing up credit and I'll be honest about the loan terms and did not sign paperwork in front of me misspelled the name on the loan company and money was taken out from a credit card and he took down but the loan company did not know or hear about.
Consumer complaint received 2024-04-05
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. ()

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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX # XXXX XXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX.1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was contacted by a debt collector about owing them money on an account that I did not pay. But I did not know anything about the account and that frightened me. I did some research and decided to look at my credit report for the first time. I am not someone that opens credit cards because I am not familiar with credit and how it is utilized. So I decided to not open credit cards until I understand what credit is and how I may utilize it. But after being contacted by the collection agency I went ahead ad did some research and viewed my credit report and I noticed accounts that I never opened were under my name. I contacted my local police department, and they informed me I would have to file an FTC report and a Police report. I also contacted the credit reporting agencies, and they informed me that I will have to file an FTC report submit that to them to resolve this issue. This experience is life threatening because someone has my person information and used it to open accounts.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian Credit Reporting Agency is using a bankruptcy dismissed as if I filed it against my creditors it has now been on my credit report for a little over 6 years they're making it seem as if I had a bankruptcy and using it against me I filed for a bankruptcy but never went through with it so it is being used against me on my credit report with Experian. XXXX, XXXX also had it on there credit report but has removed it yes I filed but never included any creditors never went through with it why would they hold that on my credit report for no reason just to make me look like I had a bankruptcy I repeat I never filed it against any creditor and I would like it removed from my credit report
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

Experian has a charge in the amount of XXXX open secure credit limit from XXXX XXXX without my knowledge on my credit report with a fraud account number. That is not my account My information was stolen from the app XXXX XXXX XXXX, by the app in the app on XXXXas it was installed on my phone. XXXX XXXX  is not to be trusted they will steal money from your checking account if you link it with their app, Dont. They steal your information as you apply for their credit offers and sell your information for others to use as identity theft. As they have done me!
Consumer complaint received 2023-06-22
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 (IN)

Contacted CapitalOne and advised I needed to dispute a charge from XXXX for Case Number : XXXX AMZN Mktp XXXX billed on XX/XX/2023 for {$120.00}. After several attempts back and forth with capital one they continue to tell me to work it out with the merchant which I am unable to do. XXXX has closed that account and is not willing to assist in refunding the charge for the returned merchandise, proof of return and receipt that XXXX has merchandise back has been sent to capital one. Capital one has advised me XXXX has sent documentation to support the claim which capital one has not provided me. I have provided a written statement as well as proof of return to capital one and they continue to not assist in the matter. Capital one supervisor advised me via phone the first agent submitted the case with the incorrect reason code in which I was asked to write the written statement. Still I have no resolution.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-05
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. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

transunion and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX  XXXX  also reported duplicate accounts and now i am having trouble getting those XXXX accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX  and hopefully XXXX  has put XXXX out like i requested since i reported both companies the nc doj
Consumer complaint received 2023-10-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I called the gift card company late XXXX before I went on vacation to verify that it was activated and the amount was all there. They said that it was active and verified the amount. I tried to use the card at several places while on vacation and it never worked. 
Today, I called the card company to inquire why the card didn't work and the person ( XXXX ) told me that since the card didn't have any numbers on the front I would have to open a complaint and needed me to send them a picture of my Driver 's License. I told them this is a gift card and I have the original pkg it came in & the receipt stub. I didn't buy it and I would not be giving them my DL. He proceeded to tell me I'd have to get in touch with the buyer and have them call in. I asked to speak to his supervisor/mgr, he put me on hold and no one ever came on the line. I hung up. I also went on the website to try and get the balance & they site said system error. Very frustrating.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (MD)

On XX/XX/XXXX I contacted XXXX to pay a current bill, which I received a notice for and that bill was satisfied. The representative XXXX said that I had some old bills that he had to notify me of over the phone. He said can you pay at least {$40.00} on the bills? I asked him could he send me the bills, because I never received any notifications about those bills. He said he would send the bills. I never received the bills. 

On XX/XX/XXXX I received an alert from the credit bureaus that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. My rights to dispute was violated. 

On XX/XX/XXXX I called XXXX and spoke to the supervisor XXXX XXXX to notify her that XXXX reported these old medical bills as negative collections on my credit reports without any notification or opportunity to dispute or address these old medical bills. This did not occur until I spoke with the representative XXXX. 

She stated that they did not have my correct address and that they sent notifications to my old address and the information was provided by the medical provider. They also, said that they had old telephone numbers and could not reach me by phone. XXXX XXXX said she would call me back on XX/XX/XXXX after she investigated. I did not hear from her so I called her. Instead I spoke to XXXX, which I informed him that I never received the old bills. I informed XXXX XXXX that I had no collections from XXXX/XXXX on any of my credit reports. She claimed that they reported this to the credit bureaus, I informed her that the information was not on my credit reports and that I want the information removed, because it is not my fault that they did not have the correct address. 

This is unfair practice and XXXX did nothing to try to resolve this discrepancy. I informed XXXX XXXX that I would file the dispute, because I want the negative collections removed from my report. I had no knowledge of these old medical bills.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

I am writing to address a concerning issue regarding my application for a U.S. Bank XXXX XXXX credit card, submitted on XX/XX/2023. 

Following my application, I did not receive any further communication regarding the status of my application. Concerned about the lack of updates, I contacted your credit card underwriting services on XX/XX/2023 via the provided telephone number, XXXX XXXX. During this call, I was informed by an agent that my application had indeed been approved, and I was advised that I would receive the credit card within the standard processing time. 

However, despite the assurance, I was surprised to find no further correspondence from U.S. Bank regarding my application status or the actual delivery of the credit card. In an attempt to seek clarification, I visited a U.S. Bank branch in XXXXXXXX XXXX. Regrettably, the banker was unable to retrieve any information regarding my XXXX XXXX credit card application. Consequently, I was advised to reapply for the same card. 

Upon reapplying, I received notice that my application was denied. This conflicting response prompted me to seek further clarification from the credit card underwriting service. To my dismay, I was informed that my initial application had been closed due to my failure to respond to a written notification regarding additional identity verification within the 30-day period. Regrettably, I did not receive any such communication from U.S. Bank. 

I firmly believe that the approval of my first application substantiates the validity of my claim regarding the lack of communication from U.S. Bank. It is disheartening to face rejection in my subsequent application solely due to a communication breakdown within US Bank 's system.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (GA)

Please verify these inquiries, as I do not recognize them and wish to remove them from my credit report : Inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX CPS Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.
Consumer complaint received 2023-12-10
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: AMERICAN EXPRESS COMPANY (NY)

For many years I have used American Express Gift Cards for online shopping. Recently these cards have been declined by multiple merchants ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). Over the past two days I tried to purchase XXXXXXXX XXXX XXXX XXXXXXXX from multiple merchants and a card with a {$350.00} balance, and another card with a {$2000.00} balance were both declined. I call Amex Customer Support and was told that the cards were declined for " security reasons '' and I should try another merchant. These cards are basically worthless. The Amex web site states " They can be used virtually anywhere American Express is accepted. This is false advertising, possibly consumer fraud