davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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: DISCOVER BANK (FL)

I paid XXXX to a company XXXX XXXX XXXX to install XXXX, in XXXX % 1 days later no lights were installed. XXXX. I tried to talk to the company, they refused with excuses and bs. I went to XXXX XXXX who installed the lights. Discover was given a fraud report from the police I filed and a receipt from the company that actually installed the lights. They refused to refund my money. Even after multiple reviews. They lie when the commercials on television say they care and protect customers. They abuse them. Horrifically and do not care about their consumer base or fraud policies. even with plain evidence from law enforcement and receipts. I chose not to sue because it is not worth the stress, i close my account and will tell everyone I know they are terrible to the customers the supposedly care about. I will pay the amount off, to protect my credit but I do not have to and do not care. They are lucky I am even willing to pay this off. Treating fraud like this with police evidence and straight evidence from the installing company and relying on a handwritten note from the liars makes them accomplices to fraud and XXXX XXXX. I will also post on social media this ridiculous treatment and file reports monthly until they make changes to protect customers, OR stop lying on their commercials on television. I hope XXXX XXXXXXXX fires them all when they buy them out. They would deserve it.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NY)

After having a checking account with them for several months, I believe they closed my account as I can no longer login to my account. I called up on XX/XX/XXXX to find out if my account was closed and if so what day my account was closed. The customer service representative said " it was a high risk call '' meaning my phone call about my account being closed was suspicious. He told me that a supervisor would call me back in 15 minutes. That was on XX/XX/XXXX and no one called me back. Today is XX/XX/XXXX and I still have not received a phone call.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Subject : Complaint against XXXX CREDIT BUREAU Dear XXXX XXXX I write this letter to formally bring forth a complaint against XXXX for their failure to comply with the rules and regulations outlined in the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the issue directly with the debt collector, I find it necessary to escalate this matter to your attention. 

On XX/XX/2024, I sent a letter to [ Debt Collector 's Name ], requesting them to validate the incorrect information they are reporting on my credit file. In response, I received a letter from XXXX claiming that my information has been verified. However, the response provided by XXXX contains insufficient validation of the disputed information and fails to meet the required standards as stipulated by the FDCPA. 

As per Section 809 ( b ) of the FDCPA, debt collectors are obligated to provide specific information to validate the accuracy of the reported debt. This information includes, but is not limited to : XXXX. The name of the original creditor XXXX. The original account number XXXX. Documentation confirming that I am responsible for the debt XXXX. The complete payment history, including any interest or fees charged XXXX. Any agreements or contracts that evidence the existence of the debt XXXX provided none of this required information in their response, which constitutes a clear violation of the FDCPA. I have made a diligent effort to handle this matter in good faith while upholding my rights as a consumer, but XXXX 's actions have left me no choice but to seek assistance from your reputable organization. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take the necessary actions against [ Debt Collector 's Name ] for their failure to comply with the FDCPA. Additionally, I request that they be instructed to remove the incorrect account from my credit report, as the law mandates in such circumstances. 

I have attached copies of the relevant correspondence for your reference, along with any supporting documentation regarding the inaccuracies in my credit report. Please let me know if any further information is required to facilitate the investigation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation and uphold the rights of consumers.
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: AMERICAN EXPRESS COMPANY (NY)

Another unreliable, dysfunctional, benefit/credit of the AMEX XXXX XXXX that requires a lot of effort and follow-up, with no resolution when requested. 

Reservation Trip ID booked through AMEX Travel portal : XXXX Received AMEX Hotel Credit benefit : {$200.00} on XX/XX/XXXX. 
Cancelled reservation and received the refund for the reservation. 
Expected to be charged {$200.00} for the Hotel Credit benefit received. However, credit was reversed as a {$360.00} charge on XX/XX/XXXX, instead of {$200.00}. 
AMEX does not allow me to dispute the charge, since it's an internal AMEX charge ( like a fee ). 

Reported the incorrect charge on XX/XX/XXXX. Was asked two weeks for investigation. 
On XX/XX/XXXX, I was told there is no reason for this incorrect charge, and no solution, and that a new investigation is needed. On that day, a billing dispute was opened. 
On XX/XX/XXXX, I received a letter asking for more documentation, which is absurd because this is an AMEX charge, not an external merchant. AMEX has everything needed to fix this. 

AMEX card benefits have been consistently problematic with delayed or missing credits ( dining credit, entertainment credit, etc. ). 
Last month I was charged {$690.00} in annual fee for this card that has been giving me more stress than joy, requiring constant checking for unexpected charges or missing credits. 
AMEX used to be much better than this but it is clear this bank is not being able to keep premium service despite the high annual fee. 
I'm very disappointed with this bank.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I was going over my ChexSystems report and I notice information that is old and old dated, and not listed properly. I had a bankruptcy that should had discharged the account that are still showing. XXXX should not have a balance showing since it was discharged in my bankruptcy.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX 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 2023-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc. (IL)

I called the company to cancel my application, and they refused to cancel application. They advised me it was already approved. I advised if I can cancel sending the money, they declined. I advised if I send it back in full. They advised me that I will still owe the admin fee and any additional finance fee which includes ex. If I borrow XXXX then I have to pay them back XXXX + XXXX in finance charges totaling XXXX, so if I return it same day I will still owe them the additional XXXX. This is ridiculous since I was returning it as soon as they gave it to me. I shouldnt have to owe anything. Since they also refused to cancel it. I tried calling for resolution, they would hang up on me. I asked to speak with supervisor and they would hang up on me instead of transferring me. I asked to speak to the supervisors, manager and the CSR would hang up on me. I got no resolution or anything saying, if you would like to continue with the loan that you have been approved for and here are the fees. They didnt give me any options to reject it. I feel that this is illegal, especially since I have been trying to cancel this before it even got sent out. I would say no one should ever get any loans from Avant.com they are predatory and prey on the old and poor like me.
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: Affirm Holdings, Inc (MD)

XXXX XXXX XXXX XXXXXXXX SINCE XXXX XXXX, IVE CONTACTED AND NOTIFIED AFFIRM OF FRAUD REGARDING LOAN ID XXXX IN THE AMOUNT OF {$1300.00}. THIS LOAN WAS TAKEN OUT IN MY NAME AND APPROVED WITHOUT AUTHORIZATION. I DISPUTED THE ACCOUNT WITH AFFIRM AND XXXX. IN ADDITION, THE FOLLOWING WERE DONE TO DISPUTE THIS LOAN : FILED A COMPLAINT WITH XXXX FILED AN AFFIRM IDENTITY THEFT VICTIMS COMPLAIN AND AFFADAVIT PROVIDED INFORMATION ON THE PERSON THAT USED MY IDENTITY TO COMMIT FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM WILL NOT RESOLVE THIS ISSUE AND THE ACCOUNT REMAINS ACTIVE AS OF TODAY. FURTHER INVESTIGATION IS NEEDED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. 
THE RESULT OF THIS FRADULENT CHARGE CAUSED ME TO LOSE A JOB OPPORTUNITY AND THIS IS CONSTANTLY AFFECTING MY CAREER AND MY LIFE. DURING FEDERAL BACKGROUND CHECKS, THE DELINQUENT ACCOUNT IS CONTINUOUSLY AN ISSUE.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 







accounts are not complete and accurate. 



And XXXX more thing according to 15 USC 1681s-2 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. 



XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE IS INACCURATE DATE OF LAS ACTIVITY IS INACCURATE LAST PAYMENT DATE IS INACCURATE I sent a letter asking them to make sure everything is complete and accurate. 



if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. 



But they did not do that as well either. 



and according to 15 USC 1681s-2 they are suppose to 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.I am requesting for this account to be DELETED my credit report. 

Please see this attachment below Delete this account immediately Dues violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681 e ( b )
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently receive my credit report and I found inaccuracies with my personal information. I found many names I do not refer as. This is hurting my creditability and my ability to obtain credit and buying a house. 

I only use XXXX XXXX as my name for all my life matters.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 U.S.C 1681. 

Account - ( XXXX XXXX ) Account number ending # XXXX, & ( XXXX XXXX ) account number ending # XXXX, & ( XXXX XXXX ) account number ending XXXX. 

Account - ( XXXX XXXX XXXX XXXX ) Account number ending # XXXX, ( XXXX XXXX XXXX XXXX ) account number ending # XXXX, ( XXXX XXXX XXXX XXXX ) account number ending # XXXX, & ( XXXX XXXX XXXX XXXX ) account number ending # XXXX Account - ( XXXX XXXX XXXX ) account number ending # 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 2018-05-03
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

On XX/XX/XXXX I bought my wife a pearl necklace for {$320.00}. The first time wearing it, the necklace fell apart. The warranty per the jewelry saleswoman was 180 days. It was reported with 90 days regardless. XXXX XXXX credit card has refused to investigate my dispute on more than one occasion despite saying they will investigate and to deduct the amount. But they neither investigate, nor deduct the amount. I really don't know what's going on here. I spend thousands a year at XXXX XXXX, am a Platinum member and cardholder since XX/XX/XXXX. Please investigate.
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: DISCOVER BANK (AL)

I received message from XXXX XXXX and discover that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (PA)

I sent all required documents to have unauthorized inquiries removed off my report. I sent everything certified mail and they are still stating they don't have my information and refuse to remove the unauthorized inquiries from my report.
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 60 and 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately.
Consumer complaint received 2023-10-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

I have been double charged on this card XXXX separate times, and every time they call me THREATENING me that they will charge me interest if I dont pay. When I try to access my account they tell me that my information is incorrect, that my zip code and address dont match, so they are unable to tell me what I am being charged for. When I try to dispute the only thing they tell me is that I need to pay before I accrue interest. I have paid off the balance on the card several times. But now they are trying to scam me. They continue to double charge old purchases even though I am no longer using the card.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

ACH transfer via Wells Fargo to XXXX XXXX XXXX XXXX. In XX/XX/22 ACH in the amount of {$17000.00}. XXXX failed to deliver goods and services paid for. Requested WF reverse transfer. WF refused without reason ACH rules state s failure to deliver goods or services is a valid reason for reversal.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TN)

XXXX was charged overdraft fees on 3 items 2 where less than the fee as low as {$5.00}. They where able to do this because they removed funds from a higher payment first causing my account not to have enough for lower payments. I also electronically deposited funds but they added next dat saying pending