davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

On or around XX/XX/XXXX, I opened a Cash Secured TD credit card at the XXXX XXXX, Florida location. The card deposit was {$2000.00} and the account number was XXXX. The last 4 of my SSN is XXXX. The account was closed on or around XX/XX/XXXX. TD Bank falsely reported late payments in XX/XX/XXXX and XX/XX/XXXX to the three credit bureaus. The nature of my demand is that I respectfully demand that they adjust the credit reporting and remove those late payments reporting. Earlier in XXXX I had expressed to a customer service representative my desire to close the account as I no longer had any interest in keeping the account open any longer. On XX/XX/XXXX, I mailed a letter to TD Bank demanding that they close the account with the security deposit effective immediately. However, for reasons unknown, my letter was ignored, and TD bank continued to keep the account open and delinquent. If they had closed the account as requested, this would never have happened. Over the years I reached out several times to TD Bank to attempt to resolve this matter amicably. My complaints have fallen on deaf hears. At this time, I demand that they resolve this matter amicably. Otherwise, this is a formal request to proceed with Arbitration as I wish to claim damages for this impropriety. By law and the card agreement, they can not keep on ignoring my request for Arbitration. I hereby demand that they respect my wishes to proceed with and commence Arbitration proceedings if we can not reach a resolution to this matter. They may contact me at XXXX or XXXX XXXX
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I checked my account it was - {$3300.00}. In which I have no way of knowing how. Wells Fargo tells me I made a claim. I talked to 4-6 people explaining that I didnt make a claim. Wells Fargo made a claim on my account. Now they want me to pay it back. I dont have that kind of money. What should I do please someone help me. Thank you!
Consumer complaint received 2022-11-09
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. (PA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX 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
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (VA)

I have an American Express Platinum card. One of the features is that whenever I rental car is booked using the card, a charge of {$19.00} is automatically charged in order to provide rental car insurance protection. This is a great feature of the card and protects the card holder in case of any damage to the rental car. 

However- if during the same rental another charge is made to the card ( such as for toll roads, parking fines, administration fees, deductible / excess charges for alleged accidents ) then another {$19.00} is automatically charged. Essentially, whenever any rental car company makes a charge to the card, {$19.00} is levied. 

This has happened to me on 4 occasions since XX/XX/2021. Amex refunds the erroneous additional charge, but my concern is that there are XXXX or XXXX of people out there who have not recognized this and so are owed money! 

It could be a huge scandal!
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2023, I contacted Transunion about an unauthorized Inquiry on my consumer report. The representative informed me that the inquiry will stay on my consumer report for 2 years. I filed a identity Theft report with the FTC which I am attaching with this claim. The inquiry in which i am referring to is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports and 18 U.S. Code 1028A - Aggravated identity theft | U.S. Code | US Law | XXXX XXXX Legal Information Institute, I did not authorize or have any knowledge of any individual, corporation, Financial institution, or any other entity to access or use my personal information, which is a clear violation of the FCRA. 

Furthermore, I do not consent to Transunion adding any fraud alerts to my consumer report, adding more insult to my consumer report. 

Please see attached Identity report with the Federal Trade Commission for your records.
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-08
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. (OR)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-11-09
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. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (PA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX 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
Consumer complaint received 2023-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been trying to get this one item off my credit for years now my rights have been violated!!!! I have rights and I know my rights. I never gave anyone permission to put it on my credit. Im Not responsible for this DEBT. please remove from my credit report Now!!!
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I opened a new American Express Gold Card as well as the Kabbage account ( It's an affiliated bank product called Amex Business Line of Credit - Small Business Line Of Credit ). According to their advertisement, the promotional offer stated that as long as the customer opened these two accounts together as a pair and fulfilled the requirements for both account, I will receive 1 ) XXXX MR ( Membership Rewards ) points for Business Gold ( I successfully spent XXXX in 3 months and got XXXX MR already ) 2 ) XXXX MR ( Membership Rewards ) points for Kabbage ( I fulfilled all the requirements and did borrow the money from the account at least once. But XXXX MR points were not awarded as the promise ). 

I opened a claim with the ticket # XXXX with AMEX Business Gold customer service department on XX/XX/XXXX and followed up with them numerous. It's been no progress at all since then and no updates as well. They just stated the back office needs to look into it. 

After several attempts to try resolving this case without any success, it leaves me no options but to file a complaint here. Please direct this case to AMEX customer service team for me. 

Meanwhile, there is a separate case with the case number Case # XXXX regarding my AMEX XXXX credit card. With my XXXX, XXXX statement, I have a total expense of {$6200.00} with XXXX transactions within XXXX billing cycle and qualified for bonus 20 % MR. Total earned base points for these purchases are XXXX MR and extra 20 % MR points I didn't receive should be XXXX XXXX points. I called on XX/XX/XXXX XXXX to file this case with AMEX but so far no updates as well. Please follow up for me on these two claim numbers. 

Please see the following URL regarding the promotion the Kabbage XXXX MR sign up bonus. I also attach its image for your reference. 

https : //milestomemories.com/amex-business-gold-120k-points/ https : XXXX I appreciate your assistance. 

XXXX
Consumer complaint received 2023-06-07
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: SYNCHRONY FINANCIAL (UT)

I applied for a credit card with Care Credit basically synchrony bank. I was approved and used it for my XXXX XXXX. I used {$2000.00}, of which I was on a no-interest plan for 1 year. However, I noticed throughout my year I was randomly being charged interest of around $ XXXX {$9.00} on random months.. 2 months prior i called to get this amount removed to pay off my credit card so I had no interest ... As I was only able to see 60 months of transactions I was told to hold on to my final payment until the account has been updated. This started In XXXX of XXXX. I was told each month it would take 30 days, I had to call back every month for 6 months as I was told each time a dispute was never opened... As of XXXX, i paid what I thought I would owe, which is 1 month after the interest kicked in. I was told the dispute would be resolved and the interest would go away. Month after month I was told a dispute was never opened finally in Fed I was told that it's too late now and I should have just paid it all off ..... 

I have documentation of every month I called and every conversation, when i call it I spend hours explaining the issue as they have no notes they do not understand, i have been told the prior that should have been in play was for 3 different reasons, late fee interest, some special promo interest, or something I signed up for, it is different every time I talk to someone... I have even gotten to the point of 3 months ago I said if you just remove the late fees I would pay it all off.. They told me they would get back to me with an answer and still no response... I companied via XXXX i was told they would contact me and they still have not, this was 1 month ago. They are single-handedly DESTROYING my credit..
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. ()

We regularly have trouble with Chase accurately reporting the receipt of mortgage payments on this account. 

Chase made a mistake on our payment last month. 
We sent the payment last month and the bank branch wrongly told us it hadn't been received by the XXXX ( it had ). So we sent another payment. 
Chase then wrongly charged us a late fee for the on time payment and they also listed the second payment a principal only payment. 

The second payment needs to be changed to the monthly payment for XXXX. 
And the late fee needs to be reversed.
Consumer complaint received 2023-06-07
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2023-11-03
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. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX on XX/XX/23 is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (CA)

I am disputing this account once again for inaccurate information. The notice of dispute is missing from my previous disputes, which means no investigation was ever done. Thats is a violation. I also notice the payment history isnt correct either. I also have a Credit repair company helping with this account. Either it gets deleted or Ill be forced to file small claims.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VEROS CREDIT, LLC. (NC)

A few months ago I sent a letter to Veros Credit concerning excess interest rates on my auto loan and I have attached a copy of the letter below for reference. Veros Credit responded stating, " Claimant mischaracterizes the transaction for his vehicle purchase. Claimant entered into a consumer credit sale for the purchase of his vehicle. XXXX XXXX. XXXX. A credit sale is not a loan or forbearance of money, and is not subject state ususry law. '' I would like for you to investigate this matter further because i'm not satisfied with the response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX VEROS CREDIT , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ATTN : XXXX XXXX XXXX XXXX NOTICE OF EXCESS STATE USURY LAW INTEREST RATE VIOLATION It has come to my attention Veros Credit , LLC has been charging me & excess amount of interest rate that exceeds my state maximum usury law. The Usury Law on interest rates in South Carolina is 8.75 %. 
On XX/XX/2021 I opened an auto loan with Veros Credit and I was charged 23.39 %. Im not sure if you willingly or fraudulently or if this was an honest mistake but you have charged me WAY in excess of my state maximum allowable interest rate of 8.75 %. Im hereby seeking full remedy in excess of my state maximum allowable interest rate of 8.75 %. Im requesting all payments made from the beginning to current in excess of my state maximum allowable rate to be paid in full via certified check or money. Please send payment to the address listed above.
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

I have a mortgage with CrossCountry mortgage Account XXXX. XXXX XXXX XXXX XXXX For a year they receive my paiments and never inform me that my insurance never was XXXX and now 14 months later they activated an insurance for that time that my mortgage was with out insurance and my home was with out coverage I explain to them that my insurance agency send them the policy but never receive the payment and after that they notificated them that the policy was cancel, but i never receive any notification to activate or request for a new policy, I felt unprotect for more than a year and then the mortgage charge me for an insurance overprice just to justificate that we supposedly had an insurance since the beginning of the mortgage I would like this money back to my Escrow and thats why I contacted you Thanks
Consumer complaint received 2017-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

I have no knowledge of the debt. Requested original copy of bill and was emailed a generated copy that any one can make up on a computer. asked to for them to send an original copy with my signature on it. and they could not provided what I asked for.   XXXX   is in violation of HIPPA privacy.