davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for the American Express Platinum card on XXXX/XXXX/2016 via their website. I was approved immediately. The offer I applied for was to receive XXXX Membership Rewards points after spending {$3000.00} within 90 days. I successfully completed that spend in far less than 90 days, it was closer to 30 days. When my statement closed, I saw the points appear in my account online around XXXX/XXXX/2016. I was planning on saving them for a trip to XXXX later this year. However, on XXXX/XXXX/2016 I logged onto the American Express website to check my accounts, and I noticed that I had XXXX points removed from my account. This was a shock to me, as I had travel plans that I was going to use those points for. I immediately called Amex at XXXX central time from my cell phone, and asked to speak to somebody about the points. I was told that they had been removed since I did not complete the terms for the XXXX bonus. Since I saw the points in my account in XXXX, I assumed I had definitely completed the terms. I was told they would follow up with the Membership Rewards department but I did not get any response from them via call or writing. The only reason I applied for this card, and paid the annual fee, was because of this point bonus. I continued to use this card and did not close the account in any way. I have also never been eligible to receive a bonus from an American Express Platinum card in the past, nor have I received any bonus from an American Express Platinum card in the past.
Consumer complaint received 2022-04-20
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. (MS)

In accordance with the Fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (AZ)

I did ordered 2 pieces of shoe racks from XXXX  as a XXXX gift for my XXXX old mother in XX/XX/XXXX. In XX/XX/XXXX one piece was sent with an email notification and immediately replied to the same email to cancel the second order since the product was not as described. The material was too cheap and does not hold a pair of shoes before it falls apart. I do have the email attached to the complaint document. Nevertheless, overstock ignored my request and did send the 2nd order after XXXX towards XX/XX/XXXX. 
I called for a return packaging slip. Attached is an email as proof XXXX received the package and credited my account to zero balance {$0.00} as shown on the email. Few months after, I started receiving billing for the second order that was cancelled since I paid for the 1st order. XXXX sold this Account XXXX XX/XX/XXXX to " THE BUREAUS '' in the amount of {$610.00} ( the shoe rack purchased costs {$28.00} each ). I hereby request from The Bureaus to delete {$610.00} from my credit report since the account is written off and not only that I do not owe XXXX nor The Bureaus a dime. This collection record is affecting my credit report in order to gain a reputable job in my career to feed my children.
Consumer complaint received 2019-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was offered part time XXXX XXXX XXXX at XXXX XXXX. This offer came from XXXX. I send my resume and they offered me job and in that offer letter, it was clearly written that they will send me cashier check and I have to purchase equipment to perform this job. I XXXX company and recruiter too. everything looked ok. then I received cashier check of {$2900.00}, I waited when bank said fund available then only I transferred money to buyer who was supposed to send me equipment 's. Once I transferred later like 2-3 hours, bank took that cashier check amount and I call bank stating that and I asked them to stop money. this was done via XXXX of Bank of America. They saw money was going to XXXX XXXX. but they could not do anything stating that let the transaction be completed then call then. I asked that rep at least file my complain, and he did same day. I called XXXX XXXX too they said they could not do anything until they received complain from BOA. 
I keep calling BOA to get update they keep saying their standard processing time for complain like this is 10 days. they send me letter stating that BOA is not responsible for the transfer and they are not liable for any part of money I lost because it not their problem.
Consumer complaint received 2024-03-11
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. (GA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

They. Stop Me from fixing My credit bureau reports on online so can't solves my credit bureaus reports on online on my XXXX XXXX app inline on my telephone & i need XXXX XXXX XXXX account off My credit bureau reports so & I need XXXX  XXXX credit card off My credit bureau reports for good never put it on mycredit bureaus reports again & any things else that is badly credit account on my credit bureaus reports anything else that Will stop Me from getting a place to live because I need My back ground record fixes to get everything off My back ground record
Consumer complaint received 2020-02-15
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)

Tried disputing items on my report because they are invalid and wont explain to me how they got to the amount. One of the accounts says XXXX  two times and the amount is outrageous. Plus an extremely high amount of inquiries. I believe my credit report needs to be validated and checked if they were given consent to report such items that are in fact inaccurate. when disputing items nothing was done.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
** XXXXXXXX XXXX  XXXX Acct # XXXX ** XXXXXXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

To Whom It May Concern : My name is XXXX XXXX XXXX and I am currently a credit card holder of XXXX XXXX XXXX  furniture store. I have been disputing the late fees attached to my acct ending in # XXXX which have now accrued to {$190.00}. 
Please be aware that I have called on numerous occasions regarding this, to only be offered a one-time ( yearly ) waiver of 1 late fee. This domino effect of late fees are stemming from the fact that my billing address was never updated in the store back in XX/XX/XXXX when I initially placed my furniture order. 

When I received my first bill it was on XX/XX/XXXX and already had late fees when it was finally forwarded to me thru the postal service. I immediately called TD bank inquiring as to why they were sending the bill to my old address, when we changed all info in the store, when I placed the order and also gave the address to where to deliver my new furniture order. 

The staff member pulled up my account making note of an old order that I had previously paid off with XXXX XXXX XXXX and stated she does not know why it wasnt changed in the system but that she would amend the info and update it. She suggested that I pay my regular {$65.00} payment that day ( XX/XX/XXXX ) in which I did, and she would put a request in for the waiver of late fees. She also stated that I would be receiving my XXXX statement at my new address of XXXX XXXX XXXX, XXXX NJ within the next week or XXXX. 

I never received a statement for XXXX. I did, However, receive my first statement for XX/XX/XXXX at the correct address now with more late fees. I am requesting my account be adjusted to remove these late fees. I feel like I am being punished for something that fell short on the part of Raymour and Flanigan. I am now on a fixed income and these fees are causing me a major hardship. I have had other accounts with Raymour and Flanigan with Absolutely no issues that I have paid off in full and I would like to stay in good standing. 

These gouging fees can not be fair to the consumer. Especially when it was no fault of mine. I am requesting assistance from the CFPB in helping to rectify this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (TX)

My Equifax credit report has not updated since XX/XX/XXXX, and is currently showing empty. I am XXXX years old with credit dating back to age XXXX. I've reported this to them on 4 separate occasions and was told it was being " escalated. '' The escalation ( Case No. XXXX ) finally happened and was documented on XX/XX/XXXX. 

As of today, XX/XX/XXXX, there has been no resolution or movement on this issue. I was told there are no additional persons to consult other than the first line support. When I insisted on speaking to a supervisor I was on hold for over 2 hours until the call was disconnected.
Consumer complaint received 2023-10-20
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. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

I told them that I need them to fixes both of one Is credit bureau reports & I need to fixes XXXX XXXX and XXXX XXXX credit bureaus reports & XXXX XXXX back ground record to they didn't listen to what I said to them on the telephone calls so I don't no what to do went they didn't listen to me about what I said to them on the telephone that's why I'm struggling right now because they didn't listen to me about what I said to them on the telephone call about fixes. XXXX XXXX and XXXX XXXX credit bureaus reports And XXXX XXXX back ground record
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

XXXX XXXX XXXX voluntarily stopped treating my lawn but continued to bill me for months of services that they never rendered and they changed the terms of the verbal contract with the sales agent. They also, reported it to American Profit Recovery ( Due process was never provided by this company. They never contacted me about this debt ) and they reported this debt to collections on my credit report. 

I have contacted XXXX XXXX XXXX  and reported to them that their technician voluntarily stopped treating my lawn and asked that they review their trip report to verify this but they refused and the manager refused to speak with me.
Consumer complaint received 2024-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCF Intermediate Holdings LLC (UT)

I believe there is plenty of evidence to show that I never received my payday loan. I think I requested it in XXXX, and the first collection attempt was around XXXX. I explained to one of their agents that I never received the payment and that I had proof of it. I mentioned their recording system, as I believe they record all calls. The proof I need is that the agent entered my credit card information incorrectly, resulting in me not receiving the payment. I have bank statements from around that time showing no evidence of me receiving the payment. Despite this, I have received threatening letters, calls, and my credit score has been affected.
Consumer complaint received 2020-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (GA)

I have an Auto Loan through BBVA Compass Bank and I have been paying the required XXXX per month but the balance owed does not reflect what I have paid out and I have not gotten answers as to why or where my money has gone. I bought the car for {$43000.00} and have paid {$10000.00} to date. My account not only does not reflect that in the current balance due on the account, but also states that I am passed due {$3200.00}. This past due amount coupled with the current balance, {$39000.00} reflects as if I have never made a single payment on the vehicle in which I have had for 1 year and 3 months. In contacting this bank I was placed on hold numerous times and when I did get through they offered no response or resolution as to why my account was reflected this way. They only demanded my cooperation in taking care of the past due balance. I went to look the up on XXXX XXXX XXXX and saw that they are not XXXX  accredited ; which prompted me to seek further help with this matter.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Check writer from XXXX XXXX ( routing code XXXX ) who made electronic deposit to my account in person at Well Fargo bank ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) on Friday XX/XX/2022 with status " Pending '' means fund is not available and in process. The fully funds available will be on Saturday XX/XX/2022 which was printed out on a Wells Fargo receipt. ( XXXX was a bank teller at that time who handled a check and printed out receipts ). The full funds were posted on my account on Saturday XX/XX/2022 through Tuesday XX/XX/XXXX, XXXX Wednesday XX/XX/2022, Wells Fargo reversed the fund due to the check writer closing her account at XXXX XXXX  XXXX 

Now I lost {$4800.00} due to mishandling by Wells Fargo. As a customer, I saw a posted available fund which means the deposit transaction has been completed and I released a good and service to the check writer. 

Now Wells Fargo denied my claim and they did not want to go after XXXX XXXX  to protect their customer and pursue legal action against XXXX XXXX  and the check writer. 

Based on Wells Fargo deposit agreement, they said all types of deposits will be subject to withhold and process later to prevent defraud. Therefore, they put " pending status '' on the customer account. 

I asked Wells Fargo what the difference is between " Pending Status '' vs " Posted Status ''. They said " Posted status '' means they are still processing deposit transactions which were never mentioned in the Wells Fargo deposit agreement. Therefore, they just reversed the funds from my account. 

As customers, we all will be victimized by bad check writers if they use this type of loophole to take advantage of us. In addition, the bank did not state clearly in the agreement what they mean by " Posted Status '' vs " Pending Status '' Please help us as customer and consumer on this type of check fraud.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (VA)

I received a gift card for {$100.00}. Upon activation, the funds were used in another state. I contacted the company XXXX/Vanilla Visa for assistance and they said for me to complete a fraud dispute. I completed their form, submitted the requested information on XX/XX/22 and they indicated it would take 90 days to complete the investigation. I have made several attempts via telephone/email to get an update and/or response regarding my request and the company has not responded.
Consumer complaint received 2024-04-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

Ref complaint XXXX Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. XXXX of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.