davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I paid for a service on my vehicle at the XXXX XXXX XXXX, TX. I reached out to them because it's showing as a hard inquiry from XXXX XXXX, but it says XXXX. The check was for an amount of {$490.00}. I have tried to reach out to Check Plus using the information on XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX, but the line always says " All circuits are busy '' no matter the time of day. This is the same phone number the XXXX XXXX of XXXX gave me, and truthfully they were not much help. I googled that address and it seems like its not a legitimate business address. https : XXXX, +XXXX, XXXX, XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX! XXXX Therefore, I have no one to speak with to dispute this hard inquiry. No one ever asked me if its ok to run my credit for a check for payment! I looked them up at the Better Business Bureau and it seems like I am not the only one who has had this problem. You can find that complaint here : https : XXXX I tried to submit a dispute with Transunion for the hard inquiry, but they said that it has to be reported to Consumer Finance, please help.
Consumer complaint received 2022-10-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is a complaint regarding Claim ID : XXXX I purchased what appeared to be tampered gift cards from a XXXX store. I tried resolving the issue with XXXX which is notorious for not having enough security to prevent gift card tampering. After iniitially taking my case, XXXX offered no resolution. At the same store I had in the past also received tampered XXXX XXXX XXXX, in that case XXXX recovered the cards and despite telling XXXX about the lapse, they did nothing to protect their inventory. By siding with the retailer here, BofA is saying there is no protection for buying tampered or fraudulent goods. 

In the final denial, Bank of America has given me 2 reasons for denial of the claim : 1. BofA claims I did not try to resolve the issue with the retailer, this is incorrect, I had attached my communication with XXXX on the claim as well as in the response to additional info. 

2. BofA claims that I had an opportunity to inspect the item hence the claim was ineligible. This is the most troubling reason. As per this clause, consumers have no purchase protection as soon as they step outside the store. This is obviously illegal and BofA knows this. I am willing to bet almost every claim resolved in favor of consumers due to faulty merchandise is a result of the claim being filed once the consumer has left the premises. 

An analogy would be you purchase cooking oil but when you reach home, the oil bottle only has shampoo in it and BofA will claim that since you didnt inspect it at the store, the merchant has no liability.
Consumer complaint received 2022-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

The Amex XXXX includes a {$200.00} prepaid travel credit for hotels every calendar year. I booked a hotel room, but severe weather prevented me from reaching the hotel. 

Amex XXXX refused to move the dates. They ultimately agreed to cancel the hotel room but reversed the {$200.00} credit, so I did not receive the promised benefit
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Management Partners, LLC (IL)

I have been disputing a derogatory mark on my credit report for over a month with IMC of Indiana. Their client, XXXX XXXX XXXX transitioned all of their billing to XXXX XXXX XXXX XXXX, XXXX. At this time, XXXX is unable to locate any billing information linked to me. I have requested multiple times, that an itemized statement be sent from IMC for the remaining {$500.00}. I have yet to see one. The unconfirmed balance would have been from 2004 ... this is probably why XXXX XXXX is unable to locate me. I either do not owe this money OR it is beyond the statute of limitations.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.
Consumer complaint received 2022-02-26
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. (PA)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to express my profound frustration and anger regarding the inaccurate reporting of my credit information by XXXX. It has come to my attention that there are significant errors in my credit report directly attributed to XXXX 's mishandling of my account information. 

Your company 's failure to ensure the accuracy of the data being reported has resulted in serious consequences for my financial standing. This is completely unacceptable. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit profile. Your negligence in this matter has caused me undue stress and inconvenience, and I will not tolerate any further delays or excuses. 

I expect XXXX to take swift and decisive steps to correct the errors on my credit report and provide me with confirmation of these corrections without delay. Additionally, I demand compensation for the damage caused to my financial reputation as a result of your company 's negligence. 

Failure to address this matter promptly and satisfactorily will leave me with no choice but to explore all available legal avenues to seek redress and hold XXXX accountable for its actions. 

I trust that you will treat this matter with the urgency and seriousness it deserves.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (MO)

Account is locked out. After 2 months and over twenty video verification, was told I need to provide a new physical mailing address, new phone number, new email, new XXXX, new antiphisping verification before I any proceeding to access my assets.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX Shows inaccurateness. The Payment histories are different from each other. XXXX has no report, Experian was Chargeoff and XXXX was OK. Please update it or REMOVE from my account XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Consumer complaint received 2020-12-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Consumer complaint received 2017-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (GA)

I was contacted and informed by the debt collection company that a lawyer will be contacted and they will sue me for debt owed. Lvnv funding LLC {$640.00} XXXX XXXX 2017. <P/>They were removed from my credit report and placed back on there.
Consumer complaint received 2023-12-04
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'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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-12
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: DISCOVER BANK (CA)

good afternoon ladies and gentle, on XX/XX/2023 I have XXXX XXXX off for my wife 's XXXX leases from ransack XXXX XXXX, first the selling price was incorrect then XXXX XXXX off was not implied to lower the monthly payments I reached out to selling dear for XXXX month along I informed XXXX XXXX from day one for the mistake to be fixed and nothing was fixed, so I disputed the amount {$2600.00} from discover card where I paid the drive off from, first they gave me credit and took it back cause they received document from selling dealer, then they re issue me credit for the the secound time based on the document received from the dealer being not valid, and today I called because I submitted a new document supports my case I was told by discover the dealer as the merchant got back the credit, I ask discover what happened wy her wander was same no diferent basically they reversed their decision based on faults and fraudulent contract even though I provide discover contract from same selling dealer much lower, I was talking to XXXX from discover and I told her I need to speak to your Mngr, like you know same all stories XXXX on the phone and they will never call back, at that time I told XXXX from discover I will file complaints true all Dpt and her reaction was laughing, makes me feel its ok to bully consumer then auto scammers dealer ships.
Consumer complaint received 2020-12-28
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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA (NE)

Refinanced mortgage with XXXX mortgages. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). First National bank says they did not receive until Monday XXXX XXXX. Since it was past the XXXX of the month, they reported delinquent payment to my credit report. I disputed via XXXX to no avail. I called first National bank of omaha and they claim they can not remove from my credit
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Dealer Services is reporting a late on my credit file for the month of XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. I am also aware that under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file during the pandemic. I have had an account with you for a very long time and this is extremely disappointing.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, COMENITY BANK/FRONTGATE immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 

I was on the phone with COMENITY BANK/FRONTGATE throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that COMENITY BANK/FRONTGATE never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (MI)

I have/had an auto loan with TD Auto Finance. The payments were automatically withdrawn from my account for 59 of the 60 payments. In my last payment should have been in XXXX and I assumed that like the last 59 payments they would take it and send me the title. After about two months I wondered why I haven't seen the title. I called TD Auto Finance and was told that I had to make the final payment manually and this written in my contract five years ago. But the man was very understanding because as he put it this happens to everyone. I've had auto loans at other banks and have never had to do this. I now have to dispute the late mark on credit report. If this happens to everyone it is obviously a systematic and deceptive procedure they have put in place to gather extra interest and late fees.