davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXXy {$630.00} XXXX {$910.00} XXXX XXXX XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NV)

I have been a victim of identity theft, someone used my personal information to obtain a number of credit cards and loans. I noticed this loan made through Lightstream DBA Truist bank showing on my credit report in 2023, I immediately filed a report on identitytheft.gov, the account was removed from me credit report but it has recently re-appeared with a new bank name, " Suntrust bank '' again on my report. I have called XXXX and the original creditor and also have mailed them with documentation, I have not received any response nor any proof the loan belongs to me.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. Please investigate the accounts that are erroneous in my credit report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I sent a dispute to LexisNexis and they never responded - this is a violation of the FCRA. It has been over 30 days and I have not heard anything from them. I need this incorrect information deleted for violation of the 30 day FCRA violation. THe credit companies claim they are the company providing the inaccurate information.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (GA)

On XX/XX/2024, consumer received an email communication from XXXX XXXX, employed with CAINE & WEINER. This communication contained harassing, threatening and extorting language and requests. Shortly after requesting the documentary evidence, I received the same extorting communication in the mail, this time from XXXX XXXX, employed with CAINE & WEINER. 

Without providing any information, with the exception of " This account qualifies for credit report data furnishing by Caine & Weiner. We furnish information to XXXX, XXXX and XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please contact us at ( XXXX ) XXXX to discuss resolution options. For your convenience, we accept payment via the Internet. Visit our online payment option at www.connectcw.com. To speak with us directly, contact us at XXXX. '' This communication has caused me emotional and mental stress, it has ruined my reputation with the consumer reporting agencies, as well as any potential creditors. This has also ruined my reputation at my job. I responded back to CAINE & WEINER demanding they provide me with the requested documentation and I do not appreciate being extorted to pay for an alleged debt. It appears the first communication between CAINE & WEINER and I was via my consumer report. 

CAINE & WEINER is willfully and negligently violating my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I filed bankruptcy in XXXX XXXX Chapter XXXX  - bankruptcy discharged in XXXX XXXX Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I filed bankruptcy in XXXX  - Chapter XXXX  - bankruptcy discharged in XXXX XXXX Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Date. XX/XX/2021 Complaint against the Capital One Bank. 

I am a XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I have applied to XXXX for scholarship and for some reason my information was leaked out to scammers. They send me a check of {$3600.00} with a letter that I have been approved for the apprenticeship in the XXXX and will work from home. They also advised to deposit the check and then make some payments to the people on behalf of the XXXX when the money is available in the bank. 

I deposited the check on XX/XX/2021 and on XX/XX/XXXX when I check with the bank the money was available in the account. So, following on their instruction I made 2 payments in the amount of {$500.00} and {$2000.00}, to the people they emailed me. 5 days later on XX/XX/XXXX, I came to know that the check is not cashed and returned to the bank. 
I am banking with capital one for the last 6 years and being a XXXX I do not have any overdraft protection and neither have credit. My father opened this account for me, and he strictly advised to the bank not to pay overdraft or no payments at all if there is no available balance. 

I called the bank and find out that the check was from a scammer, and they paid the money as customer courtesy. I called the bank many times that I am not wholly responsible for the loss as I did not have overdraft protection and if the money was not available then why they pay out for the transfer. why was the balance shown available when there was no actual availability of the funds. 
Before that check my balance was around {$700.00} and I lost that money as well. I lost this money because of the bank negligence. If the money was not 100 % available, they should not make the payment. I asked the bank to provide the details for the people who got the payment from the bank so I could report that to the authorities, but I am not getting any information from the bank about those scammers. 

Kindly help me out as I am a XXXX and unable to afford this loss. 
Documents attached for reference. Please find attached documents for reference. 

Regards XXXX XXXX XXXX
Consumer complaint received 2020-03-27
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. (CA)

XXXX XXXX  XXXX  wrongfully reported my wife and I during the government shutdown last year XX/XX/2019. They eventually acknowledged and removed that 30 day late status XX/XX/2019, but our 70 points taken off from each of us never returned.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

American Express sent us a notice that their revised Penalty APR is now 29.99 % and " If the penalty APR is applied, it will apply for at least 6 months. '' 1 ) You should be leading the effort to cap interest rates credit card companies can charge.

2 ) We're still in a pandemic with millions of people suffering financial hardship.

Please work to fix this. Do not ask me to contact American Express. There is nothing for me to talk to them about. Just fix the problem.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

Experian failed to conduct a proper investigation as to a dispute between myself, XXXX XXXX, and XXXX XXXX. Experian alleges to have opened a dispute as

of XX/XX/2020, and gave notice that the dispute was complete, and closed as of XX/XX/2020. A review of their online records dated XX/XX/2020 r
eveals that Experian did not allow a consumer statement disputing the charges against XXXX and XXXX XXXX, and didn't properly investigate the dispute. Additionally Experian only allows 210 words for a dispute which is not legally sufficient in order to transmit useful information. 

The outstanding issues between myself and XXXX and XXXX XXXX are : XXXX not recognizing the one year warranty. 
XXXX not disclosing correspondence from XXXX XXXX during the first 30 days advising they would fix the laptop. 
XXXX not disclosing correspondence from XXXX XXXX within 7 months after purchase advising that the company was not able to honor its warranty. 
XXXX extended warranty program not admitting or willing to look at the correspondence referenced earlier in this communication. 

These issues need to be investigated, and if XXXX can't supply it to the credit reporting companies then their complaint should be completely removed as erroneous. The problem is that XXXX like most institutions pays a lot of money to the credit bureaus so there is an automatic bias in protecting their views. 

In summary, Experian is liable for no consumer statement, and no proper investigation.
Consumer complaint received 2021-03-21
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: JPMORGAN CHASE & CO. (IL)

I currently hold the Chase XXXX Credit Card and I'm having difficulties in receiving the advertised benefits of the credit card. This issue specifically pertain to the XXXX rewards program that provide XXXX elite nights based on spending. The issue I'm having is that the rewards elite nights are not positing to my XXXX account, however the points and free certificates are posted a few days after the statement closes. Back in XX/XX/XXXX, I spent over {$15000.00}. This resulted in XXXX XXXX points posting to my XXXX account a few days after my statement closed. However, I did not receive the six free elite night credits that should have also posted. This is based on the advertised terms that for every {$5000.00} spent, I will receive two elite night credits. In XXXX XXXX, I contacted Chase customer service and explained the situation to them and they said that a Marketing team had to look into this as I should receive a response via mail within a couple weeks as there is not way to contact them directly. Back in XXXX, no response was received by mail. However, due to changes in circumstance I've started to put a lot more spend on my XXXX credit card to ensure I can attain my elite status for this year due to COVID. Again during the my recent statement closing, XX/XX/XXXX, I ran into the same issue where my XXXX points posted onto my XXXX account, while my XXXX elite credit nights did not. Once again, I contacted Chase customer service who said someone within the marketing team will take a look and will respond back to me. At this point, I am yet to receive a response and I'm tired of the back and fourth that I have had to go through to get something that is advertised under my credit card terms & conditions. I'm also having no luck in getting anyone to look into my issue, nor am I able to escalate this issue to anyone who can help as I keep being directed to the same response that someone from the Marketing team will need to look into. What makes this even more frustrating is that there is no way to contact the marketing team apart from the customer advisor sending an email to them. As such, the turnaround time to receive a response is unacceptable in this day and age.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I woke up to email and text message that I opened a chime account with all my information matching but I never opened it. I called chime and told them the issue they were able to close my account however I am worried that my social security has been leaked and out there being used
Consumer complaint received 2024-01-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I went to use my Amex gift card on doordash. Ive gotten the card as a XXXX gift and havent used it at all. Today is the first day I would be spending the money but all of a sudden it doesnt work. I went on the website to see if the card to activated and it told me it was. But when I kept trying to use it, it would not work what so ever
Consumer complaint received 2024-01-28
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 (PA)

Received {$100.00} Amex digital gift card from the company I work for as a XXXX bonus on XX/XX/13. 
Tried to use card 14 different places and each time declined, even though balance shows {$100.00} and all info was provided. Amex tips on how to use were no help, card continued to be declined everywhere.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 at approximately XXXXXXXX XXXX. I received a telephone call from a TRUIST Bank Representative asking me if I authorized {$9800.00} to be withdrawn from our Small Business Account. I told the Representative NO and that my Husband and I would be at the bank within 15 minutes. 
When we arrived at the bank, the Banker Representative met with us and informed us that the bank let the money go out of our account at approximately XXXXXXXX XXXX. on XX/XX/2023. 
I filed a " complaint '' with the Banker and was informed that the money was put into a XXXX  XXXX XXXX Bank Account and that if any other information was needed that there would need to be a subpena. 
I have attempted to file a report with the local police authorities whom have told me they do not get involved. I filed the on-line FBI Form and they emailed stating that we are insignificant due to the dollar amount. TRUIST needs to refund the money 100 % + damages. I'm hoping you can help.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (NV)

I was terminated from my work. Does not meet company standards. Pending potential conflict. Nevada highway patrol non fingerprint search. I went to the XXXXPD to see what was on my report they said they couldn't find anything and gave me a card with the XXXXPD to call. I've called and left messages no return. my background report was completed on XX/XX/year>. I was terminated on XX/XX/year> I think.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our complaint is a Predatory Loan ; XXXX we asked Bank of America for a line of credit and they gave us a HELOC loan in the amount of {$84000.00} which was interest only. We went back to Bank of America to see about a separate {$50000.00} equity loan for a business start up for our XXXX. 

XX/XX/XXXX Bank of America sent out their own appraiser and appraised the home at {$460000.00}. To this date the home is still not worth this amount. In XXXX we merged the two loans together, due to the recession and as our XXXX fell behind on his individual loan payments. The next 10 years XXXX  had us on an interest only payment plan which was not clearly explained to us. After the 10 years the payments went from {$290.00} ( interest only ) a month to {$770.00} at 4.625 % principle and interest. At that time, we were threatened with foreclosure due to getting behind with the new monthly amount due. 

After 17 years, we owe more on the loan that what we took out.
Consumer complaint received 2020-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AC AutoPay LLC, Denver, CO Branch (CO)

They lied to me about saying I had no choice but to buy their warranty and gap insurance, they told me they had recorded calls of me and never informed me I was being recoreded, my friend refered me and he said they waived his doc fee because they liked her but when I asked they said no unless I buy their gap and warranty.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020 opened formal written correspondence certified letters to each credit bureau disputing inaccuracy of each credit balances, hard inquires, derogatory remarks, no late pays and balance due. XXXX XXXX, 2-XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Each credit bureau have not responded in a timely fashion dated XX/XX/2020 certified letter via USPS. Attached One dispute letter sent to each credit bureau dated XXXX for reference.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: 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 {$5200.00}, {$0.00}, {$29.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29.00} -This is not my account.