davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I have a collection account in which that was charged off/ sold to a third party debt collector and was the reason I was denied for an apartment for me and my kids.. this charge off is considered a certificate of indebtedness which means it is now " income and income CAN NOT be reported onto my credit report. It is also a violation of the Privacy Act to report my transaction history and banking information. As a honorable and protected consumer I ask that the credit bureaus XXXX and XXXX please immediately remove the collection account EASTERN ACCOUNT SYSTEM from my credit report as it is also not being reported on XXXX making it an inaccuracy as well.
Consumer complaint received 2023-07-08
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. (TN)

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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-26
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-18
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. (CT)

I notice an inquiry were a company pulled my credit report were the place indicated XXXX this place pulled my credit report XXXX  times there is no way I can call the place there is no address or phone number. Why would Experian even let some company pull my credit that just says court. That can be anyone just pulling my credit report. I hope Experian can look into something like this becasue they pulled on XXXX different occasions. This is very upsetting. All my information is out there. Who is this court that is pulling my credit report.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to file a formal complaint against American Express regarding a misleading advertisement and failure to honor the promised rewards for their XXXX XXXX XXXX 

On XX/XX/XXXX, I saw an advertisement for the American Express XXXXXXXX XXXX XXXX that offered XXXX rewards points upon opening an account and spending {$8000.00} within the first six months. Based on this offer, I applied for and was approved right now for the XXXX XXXX XXXX 

To meet the requirements for the rewards, I diligently tracked my spending and exceeded the {$8000.00} requirement by spending over {$10000.00} within the first three months. Despite this, American Express informed me that I am not eligible for the XXXX rewards points. They claimed that there was a pop-up notification when I opened my account that indicated otherwise, but I did not see any such notification, and there was nothing that contradicted the original offer. 

I have discovered that many other customers are experiencing the same issue with American Express. This indicates a pattern of misleading advertising and unfair practices. 

I request that American Express honors their original terms and provides me with the XXXX rewards points as promised. Additionally, I seek clarification on how American Express intends to address this issue for other affected customers and prevent such misleading practices in the future. 

I appreciate your assistance in resolving this matter.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Fraud due to unauthorized XXXX and XXXX transactions totaling {$11000.00} These transactions occurred over the course of 3 days within the last week Bank of America checking account. We have a low confidence level that these funds will be returned. It has been very difficult to reach departments to get a clear answer on our situation. Key correspondence with details will be uploaded below.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NJ)

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 account, 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 2023-06-16
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. (CT)

In accordance with the fair reporting act XXXX  Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit XXXX  transunion, XXXX. I talk to them around XXXX 2017-XXXXXX2017 ..
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (KY)

I am a victim of Identity theft. A credit card was opened in my name over XXXX years ago. This was a fraudulent account and it is still appearing on my credit report. This has caused a great deal of harm to my life and is still to this day negatively impacting my credit file. I have included an updated FTC Identity Theft report with AMEX listed. I need this account deleted immediately
Consumer complaint received 2023-08-03
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/XXXX a cashier check of {$2100.00} was sent to XXXX XXXX XXXX  ( dba Mr. Cooper ) to cover my homeowners escrow shortage on my mortgage ( they cashed the check on XX/XX/XXXX ). To date this check has not been posted to my escrow account. Multiple attempts have been made via telephone with Mr. Cooper but each rep provides differing responses. They continue to lie and say the issue is resolved and the money will be posted within 24 hrs and the difference would be refunded as well as a reduction in my monthly mortgage payment. 
# XXXX. I switched insurance providers so the annual policy went from {$2700.00} ( XXXX ) to {$1600.00} ( XXXX ). Difference of {$1100.00}. I was promised this difference. 
# XXXX. My mortgage escrow payment should be applied to my account and my mortgage should remain unchanged XXXX reduced accordingly, however they are now billing me an increase of {$98.00} on my monthly mortgage. ( for periods XX/XX/XXXX XX/XX/XXXX ) I want the payment of {$2100.00} reflected in my insurance escrow. I then want monthly Mortgage payment reduced accordingly as there is no escrow shortage BUT an overage. I finally want any excess escrow overage refunded to me immediately.
Consumer complaint received 2023-06-16
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. (NY)

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. 

The letters are stated with items and issues. 

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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

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.

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 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My information was used improperly, In Accordance with the FCRA section 611 this companies violated my consumer right. please kindly remove all the inquiries from my credit report because i did authorize them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

My name is XXXX XXXX. In XX/XX/XXXX I opened an account with TD Bank 's branch located at XXXX XXXX XXXX XXXX XXXX, PA XXXX. The bank representative gave me an account number that I then submitted to my financial institution, XXXX XXXX. On XX/XX/XXXX I contacted TD Bank to see if the money I was expecting from XXXX was deposited. The representative from TD Bank indicated that I was given the incorrect account number and gave me the correct account number. I immediately contacted XXXX with the correct account number. Through the bank transfer process the account number was switched back to the incorrect account number. The money was transferred, on XX/XX/XXXX, to an active account and the deposit was removed by the owner of the account. TD Bank would not allow me to file a fraud complaint with their bank and insisted that we do it through XXXX XXXX. XXXX XXXX insisted that TD Bank needed to handle it because it was removed from TD Bank. TD Bank indicated, at the end of XX/XX/XXXX, that it needed a letter from XXXX saying that the money was sent to the incorrect account before it could proceed. After speaking with them today ( XX/XX/XXXX ) they indicated that they won't be able to do anything unless it is initiated from XXXX XXXX end. The money was deposited six weeks ago and no one has any idea when I will receive my funds. After several conversations with TD Bank and XXXX XXXX I do not see a resolution to this problem.
Consumer complaint received 2024-06-27
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 (UT)

I received a gift card from my employer and have struggled to find places where the Amex Business Gift Card can be used without being declined. After nearly a year Im down to {$11.00} but cant get it to not be declined anywhere Ive tried. 
I tried XXXX, XXXX in person and online, XXXX XXXX  XXXX, XXXX, XXXX. They all get declined. 
I called support and they told me no refund, try another retailer. No help offered. 
This is a racket and they have a ton of money sitting in their account from people not willing to fight for their money. I want all of the money that was given to me. Let me spend it or send me a check!
Consumer complaint received 2023-08-16
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)

Basically ask the credit bureaus to do a verification of everything on my credit report and they did they stated that everything was accurate and you did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. in accordance to the fair credit report XXXX XXXX XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A states that 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.
Consumer complaint received 2023-06-16
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. (GA)

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. 


Account name : XXXX  Account NumberXXXX  Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX  Account Number:XXXX Account name XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or list of inquiries XXXX5 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.
Consumer complaint received 2023-10-23
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 (FL)

Using the XXXX app, I booked XXXX night at the XXXX by XXXX XXXX in XXXX, PA. The app reserved the room using my XXXX XXXX XXXX XXXX. When I checked into the hotel on XX/XX/2023, the desk clerk requested a credit card for any additional items. Since I did not have my XXXX credit card with me, I gave the desk clerk my Wells Fargo credit card. My husband and I then went out for dinner in a nearby town and returned without charging anything to the room. When we checked out of the hotel on XX/XX/2023, I asked for a copy of the bill. The only charges were for the guest room and tax, which was charged to my XXXX XXXX card ( see copy ). I was told that there were no charges on my Wells Fargo credit card so no additional receipt was provided. 

I paid both credit cards in full on XX/XX/2023. The following day, I reviewed all the charges to verify the accuracy and noticed that the XXXX by XXXX hotel had charged my Wells Fargo credit card {$32.00} on XX/XX/2023 ( see copy of credit card statement ). I called the hotel and asked about the {$32.00} charge. The hotel XXXX said that she had no evidence of such a charge on my hotel room or on my Wells Fargo credit card. I asked that she have the accounting area investigate the issue and contact me with the result of the investigation. I stated that I was filing a dispute with Wells Fargo. I called Wells Fargo, stated that I had just spoken directly with the hotel, and submitted a dispute over the telephone describing the details of the situation. 

At XXXX on XX/XX/2023, I received a call from XXXX. The caller said that he was with Wells Fargo and was investigating this credit card dispute. He asked me whether I had first contacted the hotel. I said that I had and noted that I had told the Wells Fargo employee that originally accepted the dispute. I gave him the details that I had already given to the initial employee. He told me that the dispute was not valid and that the transaction was not a fraud since I gave the hotel my credit card when I checked into the hotel. I stressed that I had not authorized the transaction. When I gave the hotel my credit card, I only authorized it to be used for anything that I might purchase during my stay. The Wells Fargo employee stated that the unauthorized transaction did not involve Wells Fargo and that I had to handle it by myself with the hotel directly. I repeated that I had tried that before contacting Wells Fargo about the unauthorized credit card. 

It was very clear that the Wells Fargo employee was attempting to discourage me from acting on my rights to only be held accountable for charges that I authorize. 

If Wells Fargo is willing to act so aggressively on a {$32.00} dispute, it is highly likely that this is a standard bank practice.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

I just saw this collection on my credit and I don't know what it is. I don't know who they are or what company it represents. I don't know what account this is but I haven't had new accounts for some time. This account is not mine.