davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have an auto loan from TOYOTA MOTOR CREDIT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-05-12
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: National Credit Systems,Inc. (SC)

Ive reached out to this company to get clarification on the item that they reported on my credit. I never received any documentation from them in writing, and dont know who or what this company is and the item they are claiming is mine. This is in violation of my consumer rights and I will be seeking legal advice and/or pursuing to seek legal actions against this company for the inaccurate information that is being reported and hurting my credit. This has caused great stress on me mentally, emotionally and financially.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (PA)

Once again, American Express advertises {$200.00} off a XXXX XXXX when using your American Express XXXX XXXX and staying at one of their Hotel Collections ( for a minum of 2 nights ). Please see attached. 

I did just that. Using my American Express XXXX XXXX ending in XXXX. I was told by American Express I could use either the business or personal AMEX card. The advertising on their website also states " XXXX XXXX XXXX ''. Nowhere in the ad does it state it must be one or the other.

But in the deceptive and corrupt ( systematic ) way, American Express is now telling me they will not grant the {$200.00} discount. 

What is going with all the deception?? Why is American Express constantly deceiving consumers?
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my TransUnion credit report by XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (CA)

KeyBank told me they closed my checking account and safe deposit box. 

They apparently never actually closed my safe deposit box despite telling me so in writing. I am owed a prorated refund after the date of the stated closure. 

My checking account balance at KeyBank is {$0.00}. I never bounced a check, had a fraudulent transaction, or anything, yet they filed a report with XXXX XXXX XXXX claiming " checking account fraud. '' No reason for this has been given. I demand that KeyBank support this claim with evidence of promptly remove this inaccurate information from my report.
Consumer complaint received 2019-12-04
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)

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. 

Also, update my personal information to my credit report.
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 2022-11-09
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. (TX)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking # XXXX. 

According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquantained or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still NOT reporting accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the proof that my account was charged off, but they were unable to do so. 
I literally traded my car in and they are reporting it as a charge off on my credit report, which is harming me.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-05-12
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: JPMORGAN CHASE & CO. (UT)

When I called Amazon customer service, they gave me a full refund for both books, so no additional action is needed. But I believe Amazon is systematically making false credit card charges while they are ending their textbook rental program and trying to squeeze any money from the program by forcing customers to buy the books they rented. These additional charges are happening months after the item was purchased and do not deal with damage but normal wear and tear. 

In XX/XX/XXXX, Amazon cancelled its textbook rental program. I participated in the program using my Amazon credit card through Chase. Although I have never gotten fees for damage or repair, suddenly I got charges for the full amount for books I returned in XX/XX/XXXX. I did not approve the charges and they came months ( XX/XX/XXXX and XX/XX/XXXX ) after the item was returned in XXXX. This happened on two separate books : Natural Resources Law and Policy and Law of Governance, Risk Management, and Compliance. I received the books back in the mail about 1-2 months after the charges were made, or approximately five months after the books were returned. 

I believe Amazon is unfairly charging fees to credit cards in an attempt to liquidate and dispose of its rental textbooks at a profit.
Consumer complaint received 2022-10-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

1. On XX/XX/XXXX, I received the attached letter from debt collector, 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 denying the principal balance of {$120.00}, XXXX I received XX/XX/XXXX from Bank of America 's XXXX XXXX Resolution Specialist , Regulatory Complaints was a payoff balance. She failed to provide a payoff amount although her clients have been provided two signed authorizations from the borrower, XXXX XXXX in XXXX and XXXX. 
2. Bank of America 's XXXX XXXX Resolution Specialist, Regulatory Complaints that the prior authorizations we provided XXXX  were sufficient for them to have provided a payoff letter and to submit one to him signed by borrower XXXX XXXX and Bank of America would release a payoff letter. Now according to their attorney, XXXX XXXX XXXX, it in fact never did. 
2. Neither her firm, in her letter of XX/XX/XXXX, nor the other collection firm employed by Bank of AmericaXXXX 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 provided a payoff letter. In fact, in response to my request for a payoff letter to XXXX XXXX XXXX XXXX XXXX, I was sent the foreclosure judgment amount and the borrower was sent a much different amount, which he provided me a copy of. So still no payoff, and XXXX different amounts from XXXX XXXX XXXX Managing Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, collection firm is attempting to collect, while one firm, XXXX XXXX XXXX XXXX responded with no payoff amount, stating that the principal of {$120.00}, XXXX I received XX/XX/XXXX from Bank of America XXXX XXXX XXXX  Resolution Specialist, Regulatory Complaints was not a payoff balance, but did not include one. All in violation of federal and state statues.
Consumer complaint received 2019-12-04
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. (CA)

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. 

Also, update my personal information to my credit report.
Consumer complaint received 2022-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Venture XXXX is promoted as a card that you can book travel via their web portal and accumulate 10 times points when you do so. 

However, their portal is so limited that it doesn't show the best available price nor does it show all the available flights. The booking engine is so limited that you would end up buying several 1-way tickets ( which are more costly ) when you want to do a multi-segment trip. 

I've only successfully booked one ticket on their portal, all my other purchases need to be made directly with airlines or another portal such as XXXX. 

The yearly fee takes into account the use of the travel portal to accumulate travel points, however, I am realizing this is a farce in the year 2022 not being able to book all options on a web portal. 

Deceptive advertising practices at best.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (NY)

im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below
Consumer complaint received 2019-12-04
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. (CA)

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. 

Also, update my personal information to my credit report.
Consumer complaint received 2023-03-02
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 (NY)

I purchased a XXXX flight with two different airline companies providing each direction. I had to cancel the flight and received an airline credit for each airline. I received an email for each flight segment with a locator code indicating that I could use my flight credit within 1 year. The email did not contain restrictions. When I called XXXX to rebook the flight they indicated that I now had restrictions. I was the promised by XXXX that i would be able to access my new flight via their website, so i followed their instructions ad created a log in and after hours spent on their site i was unable to locate any flight booked for me. 

I filed a dispute with capitalone on XX/XX/2022. The next notification I received let me kow that they had not received documents related to my dispute and were closing it. I called up ad they reopened the dispute, one month later they closed the dispute again, I called the third time and the agent told me my dispute was closed because i had never submitted documents. I replied that i had never received the mail from capitalone and the agent said that i could only access my dispute files by downloading the capitalone app. I let him know that I was never informed of this new requirement and the agent said all their agents are trained to inform customers to access dispute files via the app. He then stated that because I did not have paper billing that is why i had never received the mail, so i switched at that moment to paper billing. I subsequently returned the documents via fax and received a later email from capitalone that i had never returned the documents. To further complicate matters, When I called the airlines for resolution they said to contact XXXX, when i contacted XXXX  they said i needed to work directly with the airlines. I utilized XXXX because there was a card holder incentive to purchase via that vendor in order to receive cashback. Ultimately I am out of pocket for the {$360.00} for the XXXX flight and {$290.00} that XXXX said today XXXX that i would have to contact the airline to see if they would honor the credit.
Consumer complaint received 2019-12-04
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: Grant Mercantile Agency (CA)

In XX/XX/XXXX, I was a victim of Identity theft. I had an onslaught of negative items appear on my credit reports, which gravely affected my life. It affected my ability to rent a place to live, secure a security clearance, and took me almost 4 years to recover from. I am now in escrow which is supposed to close XX/XX/XXXX. One item remains on my credit report, which I have disputed, sent a police report, an FTC Fraud Affadavit ( notarized ), letters, details. The company is Grant Mercantile Agency, and the amount is {$520.00}, placed on my credit on XX/XX/XXXX. They will NOT remove it from my credit, and it is having a high impact on my loan. They continue to not remove the item from 3 bureaus. They sent me a letter with a very long list of items needed, which I responded to ( took a day off work to gether the information, spent money to send certified next day ), and they still will not remove it. The police report states I was a victim of burglury Code 459, and Identity Theft 530.5PC, and the defendant was named in the report. This company is not following the Fair Credit Reporting Act guidelines, and they are affecting my livelihood, for 4 years. PLEASE assist me in having them remove this fraudulent information from my report. I have no association with this company. I sent them Police Report, FTC Affadavit, Drivers License, Social Security Card, letters, proof of address, and  everything they have requested. I appreciate your help.
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TX)

Southwest credit keeps calling my phone. I spoken to 7 different agents over the last year and have asked them to not contact me anymore after one young lady cussed me out and another man told me that I was being sued. Ive blocked their numbers and theyll call from a different one. 2 months ago I was at work and they called my Phone 4 times after I was silencing because I was on the phone. Its a constant constant bother. Theyll call, I answer, theyll just sit on the phone and not say anything. Theyll say a SSN after I refuse. Give addresses that I dont live at. The last number they contacted me on was XXXX
Consumer complaint received 2019-12-04
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. (CA)

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. 

Also, update my personal information to my credit report.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

Received a letter from card member services of Elan Financial Services stating that the account could not be opened due to the inability to verify my identity. I immediately contacted the company and informed them that I did not apply for a credit card from there company. I was told that they could not confirm my identity or information and to contact the credit bureau`s