davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (AL)

My mother passed away XX/XX/XXXX. I recently found out there was an account with Global Holdings LLC. The account currently has {$1400.00}. It had several monthly service charges since the time of her death that I was able to find on their website. On XX/XX/XXXX I contacted them to inform that she was deceased. She passed away intestate. I was able to submit to the company her death certificate and an heirship affidavit, which has been all that was needed to handle any matters. The company requested documentation there was no will. I provided them with a statement from the probate judge that no estate was opened. Global Holdings wants a small estate affidavit now. This company just keeps moving goalposts. I stated that I could not get legal representation and file anything with the probate court. I requested this company to just close the account and go forward with their deceased closure policy. I can see that the account is still showing active.
Consumer complaint received 2023-02-14
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. (TX)

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 15 USC 1681. 

XXXX XXXX XXXX # XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ), XXXX XXXX XXXX # XXXX ) ; FXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX ). 
15 U.S.C 1681 Section 602A. States I have a right to privacy 15 U.S.C 1681c. ( 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 conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
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: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX XXXX, I received XXXX fraudulent charges across XXXX different credit cards from XXXX different vendor accounts. All told I was assessed {$18000.00} for charges I did not authorize : * AmEx Platinum Card * {$340.00} from XXXX ( XXXX XXXX XXXX ) * {$11000.00} from XXXX  XXXX XXXX XXXX XXXX  ( XXXX XXXX ) * AmEx Corporate Card * {$5600.00} from XXXX XXXX XXXX XXXX ( XXXX XXXX  ) * XXXX XXXX XXXX * {$360.00} from XXXX I immediately contacted each credit card company to dispute these fraudulent charges. Both card companies issued me new cards and initiated fraud investigations. 

After an initial investigation, the charge to the XXXX AmEx account was confirmed as fraud and the charge was reversed. However AmEx has repeatedly refused to confirm the other charges to the XXXX card as fraudulent. Instead they keep re-billing those charges to me. 

To justify this theyve provide documentation from the fraudulent vendor ( s ), however the documentation ( attached ) has no substance. For example the " receipt '' they provide has a description that simply reads any amount ( in XXXX ). My signature is not on it ( despite their claims ), there is no itemized bill, no evidence of any goods or services actually provided. 

All AmEx repeatedly tells me is that since a chip card was used, it cant be considered fraud. This is clearly an incorrect assumption and a flawed policy that those committing the fraud are exploiting. AmEx should be held accountable for having a business relationship with these fraudulent vendors. 

At the end of the day these are unauthorized charges, even though a chip card was present. AmEx advertises XXXX liability for unauthorized charges and they should abide by their promises.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines. I am DEMANDING you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all LEGAL REMEDIES at my disposal Accounts must be deleted for the following reasons : Credit Reporting Resource Guide XXXX -Accounts which are reporting inaccurate information, Charged Off accounts reporting a positive balance. 
-Accounts which are reporting inaccurate information, Charged Off accounts reporting a Past Due Balance -Accounts which are not reporting monthly, Failed to report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of the year XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (OH)

Called synchrony bank and they said '' unable to verify identity. '' I found out my social security number is being associated with someone else. They didn't try to help me. This happened on XX/XX/2022. My name is XXXX XXXX. I applied for sams club business Mastercard. This was my 4 denial with the same reason. The name of lady that used my social was XXXX. They told me that
Consumer complaint received 2022-11-27
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. (LA)

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 15 USC 1681. 

Us DEPT of EDucation ; # XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX DEPT OF EDUCATION / XXXX : Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX Phone : ( XXXX ) XXXX DEPT OF EDUCATION XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX has violated my rights and i want them removed IMMEDIATELY 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-27
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. (GA)

I noticed fraudulent accounts on my report in XXXX of 2022 and I disputed the accounts ( XXXX XXXX  amount of {$5400.00}, XXXX XXXX XXXX amount of {$6500.00}, XXXX XXXX XXXX of {$1700.00}, and XXXX XXXX XXXX of {$2500.00} ) with all 3 bureaus. XXXX, Equifax, and XXXX elected to leave the fraudulent, deceptive accounts on my credit report, and to make matters worse, Equifax later reported a late payment which caused my score to drop over XXXX pts. I did not give written consent or instructions for the identified transactions listed to be reported on my consumer report. Furthermore, the identified transactions are not information related to any transactions by me as the consumer. Please see the attachments!
Consumer complaint received 2023-07-21
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: Upgrade, Inc. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Lease
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: VW Credit, Inc (DC)

I leased a new XXXX Audi XXXX on XX/XX/XXXX At the end of my lease term, I purchased the vehicle from Audi for {$26000.00}. Audi has my vehicle paid off in full as of XX/XX/XXXX. 

Since that time I have been unable to receive my title from Audi. I have called Audi financial several times, and each time was told that I failed to send in my odometer statement. I provided the statement by mail three separate times. 

Most recently, on XX/XX/XXXX I called and spoke to XXXX, who agreed to FedEx me a new odometer disclosure. I returned the disclosure via FedEx and it was received by Audi on XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I called Audi to ask when I would receive my title. XXXX said that they now my odometer statement, and while he received " permission '' to expedite my request, it would still take several weeks for me to receive it. XXXX said that Audi recently switched vendors for title services, and the delays have been causing a lot of " pain '' and " heartburn. '' I intended to purchase a new vehicle today, one that I had been looking for a long time, but now have to cancel the deal because I can not provide the title to my Audi trade in. At this point I have no hope of every receiving it! 

Thank you for your attention to this issue.
Consumer complaint received 2022-10-26
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: SYNCHRONY FINANCIAL (MI)

My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (IL)

I am a representative payee for an adult with a XXXX. He had an account for years with Suntrust and the bank merged into Truist. They agreed to not charge him a maintenance fee since he was a long time member on his Social Security checks. Then they started charging him a fee so I asked to have his account closed XX/XX/2022, wrote a check so his account was XXXX to his new bank and the account was to be closed on the day the bank account reached XXXX and wrote a letter to insure it was closed on XX/XX/XXXX. They did not close his account and accepted his social security check again on XX/XX/XXXX ( and charged him his maintence fee ) It takes a while for SS to change addresses to his new bank address although I have also called them twice and changed it on line... ( He gets XXXX a month and the maintenance fee is XXXX ). So I called back and had it closed again with a complaint filed that requested it close on XX/XX/XXXX. It still was not closed so I called back on the XXXX of XXXX and had the XXXX returned to his account as they realized the account was to be closed and they were told to close it XXXX XXXX when his account was again at XXXX but they accepted his Social Security check again!!! on XX/XX/XXXX and charged hinm on XXXX. I need his XXXX refunded along with the XXXX social security check of XXXX to the account address on file ( my address ) and verification that the account is at XXXX and closed. They are shameless to keep this account open until he will eventually be charged overdraft fees for his account that should have been closed. I do not live near a Truist so I have to rely on phone messages.
Consumer complaint received 2023-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NC)

I am currently not receiving credit ( payment counts for the Public Service Loan Forgiveness Program ) for loan payments made from XXXX XXXX XXXX  to ACS who served as my loan servicer at that time. I did not request a deferment or forbearance and made monthly payments at this time. The number I was provided to contact this entity ( XXXX ) does not appear to be in service.
Consumer complaint received 2024-05-11
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2024 I contacted my insurance provider to renew my policy. I charged the premium to my Wells Fargo ( WF ) credit card. The agent stated the charge was declined. I checked my account to verify that I had enough available credit to cover the charge. My available credit was {$850.00}. The charge was for {$820.00}. The agent ran the charge again and received another decline.

I then called WF to try and resolve the issue. On the first call, I was told the charge was successful. My insurance agent maintained that the charge had been declined. Therefore, my credit card was charged but my policy had not been renewed. I insisted the matter be escalated. The WF rep then put me on hold. A few moments later, the line mysteriously disconnected. 

I called WF back and was again told that the charge was successful. I repeatedly told the WF agent XXXX XXXX that the charge was declined on the merchant side and therefore my policy was not renewed. XXXX decided to dispute the charge which resulted in me not having access to my available credit until the dispute is resolved. 

The entire situation is absolutely infuriating. I attempted to use available credit, was unable to through no fault of my own, and now I have no access to it. Neither agent had any interest or feasible idea on how to truly resolve the issue.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

US bank keptv playing games and cheated, the check did not evenly reached my post local office at zip XXXX, enclosed please find the email of post office. 
THey ask me to sign declaration of lose, that is not fact, I did sign one with the fact -- I did not receive the check, they kept asking me to sign and wasted my time. 

They play game and stolen interest from my money. 

Look at other banks, either no need declaration loss or do a good declaration loss ( true form ) example XXXX XXXX XXXX  US bank asked me to sign something that I did not do In fact I didnot receive the check at all. 
US post office confirmed it Also some agents on US bank XXXX calling told they did not mail the check out at all Some agent said they have cancelled the checked If you have cancelled the check or not sent, why need me sign delaration of loss.
Consumer complaint received 2023-07-21
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. (NY)

PERSONAL STATEMENTS # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX 2collections 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 Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
6inquiries These lenders have accessed your credit file : 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 2023-01-06
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. (OH)

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 15 USC 1681. 

DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 15 USC 1681. 

XXXX XXXX : 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kirschenbaum & Phillips P.C (NY)

I paid for services for an attorney to file XXXX  XXXX bankruptcy.Unfortunately, the attorney passed away before filing.I have all documentation that will prove this was the case.I am waiting to hear about my {$1600.00} that was paid in advance but have heard nothing from the estate handling the dispersal of funds.I do not have another {$1600.00} to pay another attorney.I have explained this several times to all of these collection agencies.As time progresses I receive more judgments and threatening letter. I have been a recipient of many violations at this point.Just recently I had went to a job interview and was notified that there was a judgment against me. I find this very alarming due to the fact that it would be a future employer. I am aware there are laws in place to prevent this sort of thing. In this instance I believe a privacy law was violated.I have tried to rectify my financial problems with these collection agency but find it virtually impossible.
Consumer complaint received 2023-07-21
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: Consumer Adjustment Company Incorporated (FL)

I am a victim of identity theft. I have NEVER been contacted by this company, CONSUMER ADJUSTMENT CO. I have no idea who they are or what they are trying to collect. They simply posted inaccurate information, a collection account on my credit report ( s ). They DID NOT follow proper collection practices by contacting me at my current address in writing or provide adequate time for a dispute. I monitor my credit closely and have a long-term freeze with all bureaus. Thus far, a collection account has appeared on both my XXXX and XXXX reports. I was notified via XXXX  and another credit monitoring service from my bank. This collection account has caused my score to drop XXXX points preventing me from obtaining a XXXX credit loan I need.