davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IN)

American Express has long been in the esteem of its millions of card members, not to mention mine as well. 
American Express has globalized and things have changed ; no longer is it important for AE to keep their promises, and honor their word. Their new singular oath is to profit, at all costs apparently. 
On or about XX/XX/XXXX, American Express solicited me with an inducement if my business met certain spending levels. By XX/XX/XXXX,  the business exceeded the spending levels, and AE refused to keep its promise and dishonored themselves. AE read the transcripts of our phone conversations, and despite hearing their own agents make those same promises, they decided that AE would be better served by not keeping to the agreement. 
American Express then took retaliatory action against every single account that my business has with AE after I complained about their disreputable practices. American Express has severely damaged our 16 year business relationship through their new disingenuous global schemes. 
I never thought that American Express would lower its standards to that of the XXXX XXXX. Buyer Beware.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX, XXXX 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 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 2023-02-03
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. (NJ)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I fell behind in my mortgage due to deaths in my family, a job loss, and a life-threatening health crisis. Deaths were in XXXX ( mother, grandmother ) and XXXX ( father ). My health crisis began in XXXX, got progressively worse, and was nearly fatal in XXXX. 

My house is up for auction very soon. 

I have had a change in circumstances. I have a job, and can afford a mortgage payment. 

The lender, SLS, is refusing to entertain a refinance or Covid/CARES forebearance offer. 

They are going to sell my home and steal my equity in a matter of days.
Consumer complaint received 2021-09-27
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. (NY)

i XXXX XXXX i was a Victim of Identity Theft i am having a problem with XXXX With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} i contacted XXXX and Made A Dispute for this Account and XXXX Denied the Dispute and the Information was not remove from my Credit Report and i Contacted XXXX Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My XXXX Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why XXXX Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.
Consumer complaint received 2021-09-28
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: JPMORGAN CHASE & CO. (MI)

XX/XX/21 - I was overcharged for a meal at a restaurant. Merchant XXXX. Transaction amount {$820.00}. Dispute amount {$790.00}. I do not have a copy of the receipt. 
XX/XX/21 - Approximate date the transaction dispute was submitted. Spoke with bank and it was communicated to me a " dispute letter '' would be MAILED to my residence. No letter was received. 
XX/XX/21 - Spoke with merchant XXXX and requested they provide me a copy of the receipt. After several attempts, I was unable to obtain a copy of the receipt from the merchant. 
XX/XX/21 - Communicated to bank I did not receive the " dispute letter ''. I was told it was MAILED on XX/XX/21. 
XX/XX/21 - Approximate date I located the " dispute letter '' on the Chase Application/website. I completed the letter and as instructed I submitted via the Chase secured message center. 
XX/XX/21 - Received letter via the Chase Application/website communicating the bank considered the dispute a valid charge XX/XX/21 - I called Chase and inquired why they considered it valid. It was communicated I did not provide evidence. I attempted to cancel the credit card and was put on hold for approximately 2 hours. The call was ended before I spoke with the Chase bank " retention team ''. 

Instructions from Chase have been unclear. Communication has been poor. 

I have eaten at the merchant several times over a several year span and I have never had a charge in access of approx. {$50.00}. In addition I am a long time customer of Chase bank and I have held the credit card for several years. Payments are made timely and the balance on the card always remains current. The transactions is error and or fraud. Chase should be resolving the matter with the merchant and merchants bank.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (MS)

NCB Management Services , Inc is and has been inaccurately and erroneously reporting a monthly account balance, payment, etc since XX/XX/2019 on a collection account to the three major credit reporting companies XXXX, XXXX, and XXXX. ( Samples of Credit Reports attached ) A collection agency should not be reporting a collection account 30 days late as the current status. The account was not opened with/by the collection agency, they purchased the bad debt. 

XXXXurchasing a bad debt does not make them the original creditor. Only the original creditor can report as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

Paypal account restricted on XX/XX/21. 
I had multiple transactions being processed, in thousands of dollars, that were supposed to be sent back to my bank account. 

Paypal has frozen my accounts and won't even say what they will do with the money until 180 days are done, my money. 

Paypal is illegally holding my account and money XXXX.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WV)

I am submitting this complaint because I am being extremely affected by Synchrony. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was a XXXX XXXX  and frontline worker and late payments happened during covid and I was working and also contracted XXXX. 

I would be very happy if the company accepted my request. This would help me a lot. 
I believe that we can continue to have fruitful relationships in the future, I am very happy with your services. 

Please see the document attached : My account information is : Account number : XXXX Open date : XXXX XXXX, XXXX Balance : {$570.00} Account status : Open Solution : deletes XXXX and XXXX late payments XXXX from my account.
Consumer complaint received 2021-09-28
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: JPMORGAN CHASE & CO. (WI)

I found several unfamiliar credit inquiries on my credit reports, I have already contacted the company via phone & letter ( mail ) & no response. I have notified the credit bureaus as well. 
XXXX XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX JPMCB CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

citizens bank did not properly close my debit card that was reported lost and stolen. The card ending with XXXX was closed mid XXXX. The merchant from XXXX XXXX and XXXX  should not been able to take funds out of my account with my old debit card. this jeopardize the security of my account and for a quest accounts I pay {$25.00} a month and should have better benefits for an account like that and and the {$30.00} extended overdraft fees are ridiculous. they put the extended overdraft fee before one day before.
Consumer complaint received 2021-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm being discriminated by Transunion. My credit card bill is due XX/XX/2021. Today on XX/XX/2021, Transunion lowered my credit score by 3 points for having a balance on my credit card. THE BILL IS DUE ON XX/XX/2021, 17 days from today. 

Transunion has not answered my questions, I keep getting the run around. I pay off each credit card monthly. My credit score should not be lowered for a balance that's not DUE until XX/XX/2021. 

Transunion keep my XXXX XXXX the same for 5 months?
Consumer complaint received 2021-09-28
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. (PA)

Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a violation.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Again, I was a victim of identity theft and this is another complaints to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-09-28
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. (CA)

All ( 3 ) major credit bureaus : Experian, XXXX and XXXX are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ".

The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before XXXX  and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result.

The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.
Consumer complaint received 2021-09-28
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)

All ( 3 ) major credit bureaus : XXXX, XXXX and Transunion are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". 
The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before 2013 and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result. 
The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.
Consumer complaint received 2021-09-28
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: CITIBANK, N.A. (CA)

A new credit card was sent to my house on XX/XX/XXXX ( I did not receive this card ) The card was activated on XX/XX/XXXX with a phone number that begins with area code XXXX - I think the last four digits were XXXX ( all our phones are area code XXXX ). We live in XXXX  but our phones have an area code for XXXX XXXX because we use to live there. 
on XX/XX/2021 I received a text message asking if I was attempting to make a purchase at XXXX in the mount of XXXX. I replied no and received a call from the fraud department. This is when I learned that a card was sent to us on XX/XX/XXXX. I received the recent transactions with the fraud department and determine that there were several charges from XX/XX/XXXX through the XXXX at which time the card was cancelled. 
I opened a police report on XX/XX/XXXX ( XXXX, XXXX  ) police report number XXXX. 

The fraud department has told me that there was a call made from the XXXX stating that the card was not working and they were able to tie this number back to a number that was determined to be mine. They also stated that this call was recorded. I have asked that they provide me with that information because I am 100 % positive that we did not make that call - nor did we make these charges. 

All of the timing for these charges began after the card was sent and to the point it was reported as fraud. I feel very upset that I am being asked to pay for these charges. I have a balance on the card that is substantial and the only questionable charges are the ones in this timeframe. 

The credit card company told me that I have not provided any proof that these charges are not mine but couldn't tell me what proof they needed. 

I have filed an affidavit with XXXX XXXX for one of the charges. 

I have also called the company ( XXXX ) about the charges on my credit card statement. They informed me that the account was opened up on XX/XX/XXXX but couldn't provide me with any other details. 

Another thing to note is that we received letters from several companies regarding applications for recent loans. We did not apply for any loans and have worked with the fraud departments of those companies to resolve those issues. 

I put a fraud alert on the credit bureaus on XX/XX/XXXX. I also filed fraud alerts with XXXX, FTC and XXXX XXXX. 

My guess is that the person who stole the credit card from the mail box also used the XXXX to requested information on us. I could not confirm this because they were not able to provide me with any additional information. 

I would like somebody to look into this further and help resolve the issues with Best Buy Visa to have these charges marked as fraud.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : INCONSISTENT LATE PAYMENT REPORTING - 30 OR 60 DAYS? HOW? SEE ATTACHMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (WA)

I was reviewing my monthly statements on my student loans and realized that it does not appear that I have been receiving the interest rate credit for automatic payments. I am supposed to receive a .25 % discount on the interest rate of 4.560 % on my loans. I have been enrolled in auto pay for the life of both loans that I have with them. On my statements its listing my interest rate as 4.560 % and shows no discount. I called to check on this and the customer service agent confirmed that my statement should show the reduced auto pay rate and that this was just an error on the statement. I asked for an amortization schedule on this over 20 days ago and they said I should have it in 10 days. I still have not received. My latest statement also still shows the non discounted interest rate. On the quick math that I have done it does not appear that I have been receiving this discount. I requested the amortization schedule so I can accurately review.