davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (DC)

I bought XXXX tickets XXXX on XXXX XXXX Amex. 

I purchased Trip Guard for all XXXX tickets. 

I am Amex XXXX. Card ending : XXXX. 

On XX/XX/XXXX I called and cancelled one of the travellers, XXXX XXXX and claimed trip guard insurance. Horrible service, took almost two hours. 

Recently I got an email from Amex saying XXXX XXXX refused to pay insurance because XXXX had given me airline credit. I called XXXX they said no credit had been issued nor had they even been contacted by Amex. 

Amex has engaged in insurance fraud. They offer and sell trip guard insurance and then deny coverage on false arguments. 
I spent 1 hour on calls today with Amex, one employee hung up the phone, others offered no solution. Fraudulent and egregious conduct. 

I demand reimbursement of the price I paid for useless trip guard or coverage for the XXXX XXXX ticket. 

In parallel to complaining directly to Amex I am filing complaints with XXXX, CFPB and FTC. 

I will also be cancelling my Amex cards this year. 

Trip ID : XXXXXXXX XXXX XXXX XXXX. 

Trip Cancel Guard Identification Number : XXXX
Consumer complaint received 2022-09-16
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank is violating 15 USC by failing to mark my credit reports as disputed within 30 days of receiving my written dispute. They have also failed to provide me with complete and accurate investigation results. 

I am requesting that Comenity Bank remove all negative tradelines they are reporting under my social security number to the credit bureaus.
Consumer complaint received 2023-01-23
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: Resurgent Capital Services L.P. (NY)

XXXX, LVNV FUNDING LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Consumer complaint received 2022-09-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( Experian, XXXX, XXXX, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.
Consumer complaint received 2023-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on 4 inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CT)

up on reviewing my annual consumer report, i notice there was a unauthorized account reporting an alleged debt. attempting to collect a dept on behalf of XXXX XXXX XXXX, this collection agency had obtain my personal private information without permissible purpose. i.C. system, inc XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX are report derogatory and inaccurate information to XXXX XXXX  XXXX XXXX. i asked I.C system, INC to provide me with a copy of a contract signed by XXXX XXXX and all i got was a statement. i requested these documents based on ( FDCPA ) 15usc 1692 ( g ) b, i asked for this alleged debt to be validated, but have not yet being validated.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, XXXX and Experian to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( s ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXX on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

I was charged {$41.00} as interest. 
When I talked to amex they said it was a late fee. Bill was due XX/XX/2023. I never received bill. I received bill XX/XX/XXXX after talking to XXXX at amex. The bill was sent in one envelope and a duplicate bill in another envelope... both received XX/XX/XXXX. I paid the total bill ( including the XXXX ) on XX/XX/XXXX. I asked XXXX to send me a check for the XXXX. He said he would ask ..... 
I don't think I owe amex {$41.00} as I never received a bill
Consumer complaint received 2023-05-13
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. (MO)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX 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 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (TX)

To : Barclays Credit Dispute - XXXX ( on-line XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX provided by the collection department not correct Fr : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # - XXXX XXXX XXXX To Whom it may concern, I am writing to dispute and inform Barclays of the facts as it pertains to the aforementioned account. This account was open ed for an XXXX purchase and I was led to believe this was for an installment plan. Somewhere along the line a credit card was sent time to my address. This was unusual as I never got any account statements and called a few times regarding this. I also though it was an installment type of account, not revolving credit. On XX/XX/XXXX, because I wasnt receiving any statements and didnt want any late payments, I submitted a paid in full transaction {$1000.00} to close the account. About two months later, I received a notice for a balance due. I assumed it was referencing a prior period before my payment in full. After a 2nd statement, I called to look into this matter. There was a transaction for {$6.00} between XX/XX/XXXX and XX/XX/XXXX statement. My bill at the time was XXXX larger that the transaction and asked for some grace and I thought I closed the account and didnt realize there was 1 transaction. I also wasnt getting regular monthly statements. Over a few months the bill continued to grow and I continued to call. The bill became {$150.00}. XXXX times the original bill. 
Not getting anywhere, I agreed to pay the balance in exchange for two conditions, my account to be closed with a note closed at the customers request and not to show any past 30-60-90 due on my credit. I believed this was in XXXX XX/XX/XXXX. This was acknowledged by the service rep and I asked to make noted on my account.. Final Payment was sent and records show XX/XX/XXXX was when Barclays recognized the payment. 
My current credit doesnt reflect this and I have made several attempts through XXXX XXXX XXXX correct. Each time I have submitted to have this fixed, the investigation is found the information to be accurate. 
I have been charged lates fees in excess of the balance. XXXX XXXX suggested I file a complaint to CFPB as if the lates feed are exuberant, Barclays should refund you the money and clear your credit. When I called last, the service rep in the collection department, provided me with the amounts and dates from your System as well as the address to send a written complaint. I noticed they are different than what is on line and different that the zip code extension. I had asked her to send the statements that she referenced from the XX/XX/XXXX closing date until the account was closed, but never received anything in the mail. My request at this time is to be refunded the amount of extra late fees and correct my credit to reflect the account closed at request of the customer and no 30-60-90 day late. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (FL)

There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX  days from the date of receipt. I look forward to your response. Thanks
Consumer complaint received 2024-01-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (KS)

I was in the hospital for a couple of months. I had a late fee and interest placed on my Target credit card. As soon as I was released and able to open my mail due to being very ill, I called the credit card company. I explained to them what had happened. They refused to waive the charges. I closed the account. I had no outstanding balance as I paid everything I owed except for the late fee and interest charges. They said they could not do anything since I had 2 other late fees that had been waived earlier in the year. I do not use or have any other credit cards and that was my fault as I did overlook the payments on accident. Now the fees on this card keep piling up and adding to only late fees. The credit card company refuses to removed these charges and this will have a huge impact on my credit score. The fees are due to not being home to get mail while i was in the hospital. 
Can you please help me with getting these late fees that are adding up removed. 
Thank you so much. 
XXXX XXXX
Consumer complaint received 2019-12-25
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: JPMORGAN CHASE & CO. (CT)

My complaint is against Chase account # XXXX CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Chase Bank to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Chase, stating the removal of the FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the account remove, but if you want to go to court, that way it shall be. You didnt even investigated the case with a Federal Trade Commission Report stating what happen. Im trying to avoid court here for a negligence you committed, I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. Thank you!
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have asked/requested repeatedly substantiation of this debt with originally signed documents as required by law. I have also spoken with this company over the phone repeatedly and have even recorded all of the conversations. At which time they agreed to remove this unsubstantiated debt from my credit reports. The only letter that I continue to receive states the following, " The legal time limit for suing you to collect this debt has expired ''. 
" This communication is from a debt collector but is not an attempt to collect a debt ''. 

If this is indeed the case, then why would they have access to my credit report? I have spoken with a lawyer who assures me that this is illegal. 

They have threatened me, members of my family. I want this to end and I want this debt removed from my credit reports. This has been going on for almost 3 years. 

This collection agency, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., is prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : ( i ) the use or threat of violence ; ( ii ) the use of obscene or profane language ; and ( iii ) repeated phone calls made with the intent to annoy, abuse, or harass.
Consumer complaint received 2022-11-11
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Reported fraudulent reporting to all 3 agencies, XXXX, XXXX, Transunion. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 +  months, totally decimating my excellent credit.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Reported fraudulent reporting to all 3 agencies, XXXX, Equifax, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

At XXXX XXXX on XX/XX/2024 someone used my information to open a USAA account and open a checking and savings account. I did not open any of this, and someone is using my email to make this account. Please help.
Consumer complaint received 2023-01-15
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. (MO)

XXXX XXXX XXXX is reporting an Account on my Consumer Report without my Consent. Experian and the Reporting company known as XXXX XXXX services is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
Consumer complaint received 2019-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

This is in response to case # XXXX filed XX/XX/19. I did call XXXX @ XXXX XXXX XXXX XXXX XXXX ext. # XXXX on XX/XX/19 to dispute her response to my above case number. As of this date, XX/XX/19 she hasn't responded to my call. Everything that was submitted by her to you is fabricated. 
I have never, ever received a single one of these paper bills that are listed by her on behalf of Capital One Credit Card while my card was open and in use. I was sent many of the said paper bills after I was refused a second time to receive paper billing per my request then closed my account and continued paying well over the minimum due amount on time monthly for two years while the owed amount continued to escalate. I stand by my original complaint and I am owed reimbursement from Capital One Credit Card.
Consumer complaint received 2019-12-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

I have a debt for {$560.00} on my credit report that was originally reported XX/XX/XXXX. After checking my report today, the {$560.00} is listed as a new debt with a new reporting date of XX/XX/XXXX. I received a letter from the company of a new debt for {$88.00} that would be added to my credit if not paid in 40 days. I was given a reference and invoice number to pay that debt. That debt was paid and not reported on my credit. I want the the {$560.00} debt removed from my credit as it appears this is a new debt and has affected my score. No where did it say I was paying on this debt for it to be reported as new activity. I have proof this is an old debt and proof of the new debt that was paid.