davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-08
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 (SC)

Applied for Amex XXXX Surpass cc XX/XX/XXXX using specific link from a travel blog with a " XXXX $ statement credit and XXXX bonus points after XXXX spend in 90 days '' offer. Application approved, all seemed well. 

In mid-XXXX XXXX had not received card - wrote into Amex chat asking about delay, explaining I wanted to purchase airline tickets that would easily satisfy the minimum spend requirement I needed - agent replied " manufacturing of the cards was delayed but would be forthcoming ''. 

When I did not see the statement credit by late XXXX after having used the card, chatted again asking " what the date was I needed to have completed my minimum spend '', and " BTW, why am I not seeing that statement credit? ... this time agent replied that I " have no bonus offer attached to my XXXX Surpass  account and was not eligible for it '' ... that " upon application I would have received a popup message of non-eligibility ''. 

Total surprise! - believe me, I most definitely received NO such popup message when I applied or I would not have gone forward with the application. ( I mention my first chat in XXXX above because that was an opportunity for Amex to inform me of the bonus denial - and the agent did not do so. ) Asked if proof could be provided that a popup denial was directed at me ; agent did not address that. 

I am within Amex 's criteria for receiving a XXXX Surpass bonus - never held any XXXX card, hold only one other AMex card of years duration, never canceled any cards, have a credit score well above of 800, never miss paying off any balance in full. I hold reservations for at least 16 stays at XXXX properties over the next several months, and will be canceling every one of them over this. 

Requested on chat that a Supervisor contact me ; within a few days spoke with a rep who simply parroted the same denial and was " unable to provide any specific reason ''. We remained in the same circular argument, my insisting I never received any popup, and she insisting I could not have proceeded without it. I stressed the fact my XXXX chats - with my referrencing the bonus offer - did not spark any notice from the chat agent on the bonus offer being invalid, and that it was not disclosed to me until XXXX. She tried valiantly to convince me " Amex regards me as a valued client, but any reversal is out of her hands '' ... offering me a XXXX $ statement credit as a goodwill gesture. ( Which has not shown up yet ) I did some online research after the fact and find that there are multi reports of exactly this scenario - no evidence of non-eligibility for an bonus on a new-customer application, and persistant denial without specific reasons upon complaint. Add me to the list of reports you already have on this issue, and feel free to contact me anytime.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I contacted Equifax in regard to my name being displayed on my credit report as XXXX XXXX 1. I was advised to send in a copy of my drivers license and social security card to have this information updated to reflect my correct name as XXXX XXXX. 

On XX/XX/XXXX I filed a complaint with the CFPB in regard to Equifax reporting my name incorrectly. On XX/XX/2022 Equifax responded : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

On XX/XX/2022 I faxed Equifax the required documentation which included a dispute letter, my driver license, my social security card and copy of my passport XX/XX/2022 I sent Equifax the same information AGAIN ( which included my drivers license, social security card and copy of my passport. 

After sending in the required documentation that they advised and listed on the response to my initial complaint Equifax has continuously refused to update my name to report correctly on my credit report. 

I am attaching several PDF documents which include the Equifax fax confirmations and the response letters sent back to mt from Equifax after sending in the required documents to update my name correctly and their response showing that thy are STILL reporting my name incorrectly as XXXX XXXX XXXX. 

XXXX XXXX states that only verifiable and true information be reported. Equifax is reporting unverifiable and untrue information. My name is XXXX XXXX. I do not have a number behind my name. My name on my birth certificate is XXXX XXXX, my name on my drivers license is XXXX XXXX and the name on my passport is XXXX XXXX in which Equifax has several copies of this documentation. 

Equifax is in violation of the Fair Credit Reporting Act. The proof is attached. 
I am requesting {$1000.00} per violation for each month since XXXX when I first sent in the required doumentation to have this information corrected.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-24
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. (VA)

In XX/XX/XXXX a collections account that appeared on my Experian credit report as XXXX XXXX XXXX was removed from my report following a investigation at my ( the consumer ) request and has now in XX/XX/XXXX has been refurbished back to my credit report without my consent.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

my information was used to open credit accounts in my name without my consent. Ive been a victim of the Equifax Data Breach which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. 
fraud account * 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 2020-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

My complaint is regarding two companies known as Paramount Recovery AND XXXX  Hospital their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX   files permanently Paramount Recovery S Opened XX/XX/2019 {$490.00} Original creditor : XXXX  HOSP Creditor Information PARAMOUNT RECOVERY S XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (AZ)

I received my credit report and disputed this item with the collection agency. I moved to Arizona on XX/XX/XXXX with my daughter ; however, there are medical bills with the date of service XX/XX/XXXX. My daughter who is still a minor has always resided with me ; therefore, I didn't understand why I would have received a bill for services for her in Wisconsin while living in AZ. When I contacted XXXX XXXX, they had a wrong address and phone number listed for me ( I've had the same number since XX/XX/XXXX ). They updated the information when I requested proof and they sent me statements informing that I needed to pay.
Consumer complaint received 2023-10-30
Product: Credit 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: AMERICAN EXPRESS COMPANY (LA)

I called American Express and XXXX XXXX XXXX after being released from a hospital to report that I was not aware of my credit card being charged this amount due to a two week stay at a XXXX hospital. First, American Express credited my card ; then they said I would have to pay the {$7000.00} which I have been doing in order for my credit not to be destroyed. I feel that I am being discriminated against by both American Express and XXXX XXXX XXXX.
Consumer complaint received 2020-03-07
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. (AL)

On XX/XX/XXXX, I received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with the accounts below. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX , OH XXXX. 

Account # XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , OR XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX , FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX , MO XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX   XXXX , NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

My dispute was clearly submitted on XX/XX/XXXX. It took you 46 days to provide these inaccurate results. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

Please delete these erroneous accounts so that I can finally put this issue to rest. Thank you.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-08
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. (NJ)

I initiated a dispute on my Equifax credit report. The debt was charged off by XXXX the original creditor on XXXX. Apparently XXXX XXXX XXXX  purchased the charged off debt. I have no contract with XXXX XXXX XXXX. Equifax sent me a confirmation in writing that the debt was valid. Equifax publishes a phone number to give additional information and to discuss the dispute with a person. The number they give is XXXX. This number has no options to discuss the dispute with a customer service representative. It just makes you go in circles and disconnects you. This is not fair to the consumer. I have tried several numbers found on the internet for Equifax and all of them are dead ends. I want a representative of Equifax to explain to me what information they received from the debt collector and what their reasons are for saying I owe the debt.
Consumer complaint received 2023-01-24
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. (GA)

I have been a victim of identity theft I have been victim of identity theft please remove these accounts immediately. The credit reporting agency 's needs written instructions to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority which violates 15 USC 1681b ( a ) ( 2 ). Please view the attached letter to see the accounts that are in question.
Consumer complaint received 2020-03-07
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. (VA)

Im writing due to noncompliance with the CRA, Experian. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation with FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-01-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (MI)

Credit Karma, on multiple occasions, has told me I was guaranteed approval for credit card or they would pay me I think it was {$50.00}, and that my credit would not be affected. Neither of those things turned out to be true. I was denied for cards I was pre-approved for, ruining my credit. I was never offered {$50.00} or anything else for that matter. This has happened 3 times.
Consumer complaint received 2023-02-13
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: Grain Technology, Inc. (AL)

On XX/XX/XXXX I made the minimum payment of XXXX. They are reporting an untrue late payment on all my credit reports. They had me locked out of my account from XX/XX/XXXX until XX/XX/XXXX. I made each minimum payment on time. Please update my credit reports I am in the middle of closing on a home.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX and the Executive Team at Capital One Bank for your their assistance in reversing a {$25.00} past due fee posted on XX/XX/XXXX. On XX/XX/XXXX I called Capital One Customer Service and spoke with 2 representatives ( XXXX - supervisor ) and another representative. They were unable to assist me so I contacted the Executive team. ( Please see attached e-mails ) I am a very long term loyal Capital One customer. I am a XXXX homebound senior. On XXXX XXXX, I was charged a {$25.00} past due fee. I explained to the 2 representatives that the XXXX XXXX which pays my bills issued the {$110.00} check on XX/XX/XXXX. I was mistaken. The payment was actually processed on XX/XX/XXXX ( please see attached email # XXXX ). The credit card payment was due on XX/XX/XXXX and actually, cleared on XX/XX/XXXX. I actually requested the payment from the XXXX XXXX on XX/XX/XXXX ( please see e-mail # XXXX ). Also please see the attachment of the credit card bill. 

The first representative I spoke with suggested that due to the bad weather and holiday season the check took longer to be received. I shouldn't be held responsible for the late arrival of my payment because of these reasons. As you can see, I made every effort possible to timely pay my credit card bill as I always do. 

This {$25.00} past due fee literally takes food off of my table.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission 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 2020-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (PA)

I checked my credit to see an account for SECURITYCRED with the ORIGINAL CREDITOR : XXXX XXXX XXXX for {$830.00}. This is debt is not mine. A family member used my name to purchase merchandise.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I received a prepaid debit Visa gift card for {$75.00} as a XXXX gift. My sister-in-law included a copy of the receipt. She purchased it from XXXX on XX/XX/22. 

It is issued by XXXX XXXX. I activated the card and set a PIN. The card has not worked at any stores that I've tried both online and in person. I called and was told the first time that it hadn't been properly activated and was now fixed. I called again when the card failed to work and was told that it would work in 20 minutes after it was reactivated. I called yet again when it didn't work to request a new card and am now being told that my card was flagged for fraud and that if I want to use it I need to fax a copy of my driver 's license along with the card to " prove '' my identity. I asked to speak with a supervisor and was denied by two different call center employees. I find this preposterous. It's a prepaid Visa gift card that I should be able to give away if I want to. 

I was told to fax or send my information to the following : fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX