davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
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 (NJ)

Initiated a simple {$7.00} billing dispute under reference number XXXX, an inquiry in the dispute section of the American Express website on XX/XX/2019, shows the dispute as closed. However, a letter from American Express dated XX/XX/2019, states they need a signed copy of the original transaction. A little confusing since this was an online transaction. In the original dispute, I noted that the website XXXX claims that service is {$12.00} monthly with XXXX streaming included. I noted that Mastercard ending in XXXX was billed on XX/XX/2019 for {$12.00}.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

in early XXXX of 2019 i applied for a XXXX XXXX walmart credit card based largely on a promotion which was running. the conditions were to make a first time purchase of over XXXX $ and you would be given a XXXX $ cash reward. i satisfied my conditions of the promotion on XXXX. 


several months went by and i had not seen the XXXX $ credit so i called XXXX. i was told there was an issue with the conditions of promotion and after my explanation i was offered an apology as well as an update ; in a couple months i would observe the XXXX statement credit. 


more months passed and walmart chose to align with capitalone. i have since spent over XXXX minutes trying to resolve this with, walmart, XXXX and capitalone to no avail. XXXX  claims they no longer have access to my account information as they surrendered it to capitalone. capitalone says they do not know the terms of the promotion as it was not their own and they are unable to pay it out for the same reason. 
wal-mart told me they were aware of the problem and that i am not alone. 


people need to be held accountable for this fraudulent activity as if the shoes were reversed my credit card score would suffer.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

American Express kept {$50.00} of my money ( credit balance at the time I closed my account ) and refused to resolve the problem as described in its attached response for the sole reason that they were not able to communicate with me via the use of telephone service. It appears that American Express provides substandard level of service to consumers who are not able or otherwise have difficulties communicating via telephone service.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MA)

I was double charged for a fee that cost {$25.00}. I was also charged XXXX {$10.00} fees for the duplicate transactions. The transaction was to pay my barber which I have done several times in the past and have never had an issue before or was I ever charged any fees. 

It seems as though the charge was not only a duplicate but it was also incorrectly categorized as a cash advance which it was not. I need XXXX of the duplicate charges reversed as well as the XXXX {$10.00} dollar fees reversed as well and credited to my account.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I have been an American Express business platinum customer since 2010 and never had a late payment. Last month after encountering a financial difficulty due to my main client refusing to pay its {$96000.00} invoice due to me, I called Amex to ask them if they have any options for me to pay my {$2000.00} bill that I wasn't able to pay that month. They told me, no and until I know when I can pay it, they can not do anything. I wasn't expecting for them to cancel my card after only one month late. They also canceled my personal credit card, which ends up reducing my credit score from XXXX to XXXXin 30 days. That caused to have all my other creditors to reduce my credit limits and raise my interest rates. Therefore I now have no credit card available, no income coming before after the holidays. and several accounts went to collection. Which will now end up costing me a fortune in damages created by that action from Amex.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have submitted a report to the XXXX regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my XXXX as XXXX and my Proof of XXXX
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (SC)

on XX/XX/23 Credit Control LLC received my request for disclosures that Federal Law states that i suppose to have gotten while Im a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
Consumer complaint received 2019-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a notification that I had some changes on my credit report. The credit report signifies that I applied for credit with XXXX XXXX for an auto loan on the XXXX of XXXX. I have not applied for credit with this company and do not wish to do business with the company. These are the hard inquires that I did not authorize ever. 

XX/XX/2018 CAPITAL ONE CAPITAL ONE, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (MD)

On XX/XX/XXXX I provided XXXX XXXX of Cross Country Mortgage of XXXX, FL all of the required information needed to receive a loan estimate. When I got a loan worksheet I was disappointed and asked specifically for a LE to ensure the prices would be locked in per the CFPB requirements on prices changes. I was told that their company doesnt provide LE until the entire approval process is completed ( he specifically said close the loan ). This is against CFPB policy, a waste of my time, and predatory since they can still change the pricing all the way up to the loan closing. This is exactly the reason the rule is in place. CC Mortgage is trying to take advantage of unknowing buyers. What can be done to stop this behavior.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

My daughter, XXXX XXXX, and I were in an annual contract with XXXX XXXX for XXXX XXXX XXXX XXXX, in XXXX, NC XXXX for the year of XXXX. Once the annual contract was over, the apartment was released back to XXXX XXXX on XX/XX/XXXX fully cleaned except for a large bed frame that I was unable to remove due to me being XXXX. I traveled to North Carolina from Alabama and spent 15 hours cleaning the apartment and made a video of the final view of the apartment before I left and placed the key under the rug at the front entrance of the office as was requested by XXXX XXXX. 

XXXX XXXX then sent a ledger stating that there were charges to the apartment including the damaged front door from an emergency fire event in XX/XX/XXXX, the large bed and frame that was left there ( which I did advise them of ), the loss of my security deposit, and their decision to replace the ENTIRE carpet in the apartment based on recommendation advice they received from the maintenance department that the carpet was not 'salvageable '. In addition to the video I made, I have proof that the payment for the door to be replaced was paid for by the XXXX of XXXX. In the video that I took, there is further proof that the carpet was intact. 

During the season of COVID 19, my daughter lost her job but was able to get financial assistance from XXXX XXXX for the month of XXXX through XX/XX/XXXX in the amounts of {$4400.00} and {$3600.00} which was paid to XXXX XXXX via check and also one direct deposit for the latter amount. Although attempts were made since XXXX to dispute the final ledgers, both my daughter and I received a collection notice in the mail from FCO ( Fair Collections & Outsourcing ) for a total amount due of {$6400.00} which is incorrect and fraudulent. 

In an attempt to have these fraudulent charges removed from our 3 credit reports, we contacted XXXX many times since XXXX to send proof of payment ; we finally received the proofs of payments on XX/XX/XXXX. Although I sent an email to FCO the following day and attached the proof of payments from XXXX, FCO sent me an email today, XX/XX/XXXX ( upon my request of an update ), that states that we still owe the debt. Again, this is invalid and fraudulent, so we are adding FCO to our lawsuit against XXXX XXXX in that this issue has caused both of us to lose out on credit opportunities for more than 1.5 years, emotional and financial damage, driving expenses, our security deposit, false reporting to the credit agencies and undue stress.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I would like to dispute an item stated as late payment on my consumer report for XXXX account and my " closed '' Bank of America account. 

In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purposes. 

Thank you
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NC)

Received a letter of rejection for credit card from Barclays, XXXX DE, App # XXXX. The letter was sent to my home address with my first name but a different last name. This may be an attempted fraud.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and Experian. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

On XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Summary : My Bank of America VISA card, my name, my partial home address, and a fake signature, were used by a hacker on XX/XX/XXXX to purchase a laptop computer for {$2400.00} from XXXX XXXX XXXX XXXX in XXXX. Shipped XXXX, it was made to appear that the item had been ordered by and delivered to me, and signed for by me. Even after many conversations with B of A Fraud Dept., and submitting a detailed affidavit/statement, B of A is still denying my claim, stating " No fraud has occurred, '' and refusing to cover the {$2400.00} loss. the latest letter of denial from them was dated XX/XX/XXXX. 

Detailed Explanation : On XX/XX/XXXX, a hacker, having obtained my Bank of America VISA card number and also my name and ( incomplete ) home address, ordered a laptop computer from XXXX XXXX in XXXX, and charged the amount of {$2400.00} to my VISA card. I had not ordered the item, and I did not receive or sign for the item. We obtained tracking information from XXXX, and it listed my name and an incomplete home address as the recipient, and that it was mailed via XXXX. The tracking information indicated that the item had been delivered to a similar address as mine, but contained a fake signature. 

I first learned about this when the {$2400.00} charge appeared on my VISA statement of XX/XX/XXXX to XX/XX/XXXX. At first, B of A assured me that the loss would be covered. ( letter of XX/XX/XXXX ). Later, on XX/XX/XXXX, we received a letter stating, " After a review of the details you provided, we have determined that no fraud has occurred, '' and added that we would be responsible for the full {$2400.00} charge. 
We asked for a clarification of this decision, and the B of A Fraud Department then recommended that we submit a fraud affidavit ; after many requests, they finally provided the affidavit form to me. I faxed the completed form to the B of A Fraud Dept., along with documents from XXXX showing that the signature in the tracking information was clearly not my signature, and the address was clearly not my complete address. 
The latest letter of denial from the B of A Fraud Department was dated XXXX XXXX, XXXX. 
This was a complex crime, and B of A does not seem to understand how is was that we did not receive the merchandise and did not sign for it. We have been B of A customers for nearly 50 years, and we don't believe we should be treated this way by them.
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I incurred in medical debt with XXXX XXXX Hospital. The hospital works with Rash Curtis Associates to collect the debt. Rash Curtis harrased me for months, when I call them to negotiate and to let them know I intended to pay, they asked me to request an increase in one of my credit cards to pay them. I did it but the bank rejected the request because I had bad credit score resulted in Rash Curtis placing me on collections. My credit score went down even more after the hard inquiry. I asked  for a loan with a super high interest rate to pay them. I was a little confused about the amount due, I was struggling to pay them and the hospital so I took both of their statements as accurate. It was until I started to notice that the amounts matched the bills I was paying the hospital so I requested an itemized statement from both and I found out that the hospital had sent my account to them and then recalled it but Rash Curtis continued to charge me as if it had never been recalled. I only paid them because Rash and Curties threatened me to initiate legal proceedings against me. When I paid them fully Rash Curties said they would remove the collections from my credit score. After 3 weeks I called them because it still showed in my credit report and they told me whoever collected the full amount approval had forgotten to remove the collections from my credit report. Nevertheless to say, this has affected me tremendously as I paid twice to the hospital and to the collection company. My credit score is ruined, I have had to pay more for rent because I cant rent a place on my own because of the collection impact. I have not been able to finance a car because of my credit score and the XXXX XXXX of almost being sued and attempted debt collection has been horrible. I went to the doctor for XXXX and this had made my life worst. I lost my job because of my condition and have been struggling financially since. Before all this my credit score was in great standing.
Consumer complaint received 2019-07-25
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. (UT)

XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Consumer complaint received 2022-09-25
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. (LA)

This is not a DUPLICATE Report and this not filed by a 3rd Party or Credit Repair Company.

I just reviewed my credit report and these accounts below that violate my rights In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Consumer ( Mr. XXXX XXXX ) invoking Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804, to obtain permanent injunctive relief, restitution, and other relief for Respondents violations of FTC Act, 15 U.S.C. 45 ( a ), and Safeguards Rule,16 C.F.R. Part 314. Experian Financial Services hereafter ( Experian Financial Services ) ( " EIS '' ) and Experian Holdings culpable on grounds avers as follows : ( " EIS '' ), ( Experian Financial Services ) ; Experian Holdings failure in properly notifying Plaintiff regarding Experian Data Breach and Cyber Security Attacks. As a result of the Data Breach, Plaintiff experience identity theft/fraud and fraudulent activity arising from their Data Breach, opening of fraudulent accounts by NYCSE, inaccurate credit reporting of the fraudulent activity ; defame Plaintiff good name, reputation, image and jeopardizing the holding of U.S. Government security clearance.
Consumer complaint received 2022-09-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.