davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS (AZ)

XX/XX/year> Subject : CFPB to take off negative score. 
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.
Consumer complaint received 2023-07-09
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: ALLY FINANCIAL INC. (MI)

Unauthorize inquiries on my credit profile that I dont not recognize and never authorized to do it XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX 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  I did not authorize these companies to check my credit report. Thank you sincerely
Consumer complaint received 2021-07-31
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 (CA)

I opened American Express XXXX card on XX/XX/XXXX, and there was a promotion for new card holder the applicant will receive XXXX membership rewards points after spend {$5000.00} on purchases on my new card in first 6 months. Plus, I would earn 10x points on eligible purchase on my new card at U.S. gas station and U.S. Supermarkets. by deadline date of XX/XX/XXXX, I spend qualified purchase total {$5300.00} but did not see neither the XXXX bonus points nor the 10x points on gas station or supermarket reflected in my account ( see attachment 1 : Amex promotion screenshot ; attachment 2 : Not receiving 10x points on supermarket or gas station purchase ; attachment 3 : Amex Platinum Card Activity History XXXX to XXXX, this does not include membership fee, payment, credit but does include refund as negative balance ). 

On XX/XX/XXXX, I contacted Amex online chat and been advised that I need to spend {$560.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$880.00} amount of purchase. ( see attachment 4 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat again and been advised that I need to spend {$140.00} more by XX/XX/XXXX to meet welcome bonus spending requirement, and from XX/XX/XXXX to XX/XX/XXXX, I made total {$460.00} amount of purchase. ( see attachment 5 : Amex XXXX Evidence ) On XX/XX/XXXX, I contacted Amex online chat one more time to check my spending balance. At the beginning, Amex representative was saying that I am {$13.00} short, but after I questioned that, he confirmed that I have met the spending requirement and will get my welcome bonus points unless any refund or return payment, and there was no such transaction happened during that period. ( see attachment 6 : Amex XXXX Evidence ) The whole time I have been following whatever info Amex advised to me but did not get bonus points as promised. So far I have contacted Amex customer service via online chat and phone for over 20 times, and they keep promising wait later and they will credit, last time they said by XX/XX/XXXX I will see all these points being credited to my account, but when I checked on XX/XX/XXXX those points are still not in my account. I contacted Amex again and they refused to credit me because I did not meet spending requirement ( which is completely not true ), but when I ask for details they could not provide any. 

At this point, I'm afraid keep connecting with Amex will not solve this issue and I want to file this complaint instead. Thank you very much. 

XXXX XXXX
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting this account has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

During my recent interaction with Capitol One Bank one of the customer service representatives, I encountered a troubling situation. Despite providing all necessary personal information to verify my identity, I was denied access to information about my account. The customer service representative refused to give any information about the credit card account or access to the online statement This lack of transparency and accountability is highly concerning, especially considering the sensitive nature of financial matters and the importance of clear communication between customers and service providers. 
The customer service representative refused disclose their last name and probably gave me a fake first name of XXXX or any identifying information about their location, making it impossible for me to adequately address my concerns or follow up on the interaction that would allow me to file a written complaint mail. 
Furthermore, withholding essential information such as the name and location of the customer service representative impedes my ability to provide detailed feedback or escalate the issue appropriately. It is crucial for customers to have access to such details when seeking to address concerns or complaints. Since Capitol One Bank has so much access to my very personal information, I find it difficult to believe I'm not allowed to receive enough information to file a proper complaint. 
I respectfully request an investigation into the failure and refusal to give customers access to their own information. This is not the first time I have had difficulty accessing information regarding my accounts.
Consumer complaint received 2023-02-10
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

I have disputed a bankruptcy inaccuracies on my credit report numerous times from Equifax and XXXX. And the results remain the same as verified from XXXX XXXX. So I contacted XXXX and requested my public consumer report and there is no bankruptcy on there. I even called XXXX and they confirmed this as well. My question is ; if reporting is done monthly, and there's nothing on my report from XXXX how is that fair in verification? This is hurting my credit and needs to be removed. It is not valid. Furthermore, bankruptcy does not report to credit bureaus and XXXX doesn't have a bankruptcy on my file. Where is this validation coming from. The XXXX bureaus will not remove this. This should be illegal, or some sort of violation.
Consumer complaint received 2023-07-09
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. (IN)

I have been battling numerous of health issues and back in XXXX I was XXXX  following an XXXX  XXXX. I had to stay in the XXXX  for a couple weeks upon discharge and arriving home I begin getting calls and letters concerning accounts I had no knowledge of opening. I also noticed things with my bank accounts that had unfamiliar charges and withdrawals. I am a victim of identity theft and would like all accounts removed from my credit. I have tried to communicate with the companies to address the matters one company in particular was very rude with a couple of employees who were very aggressive and threatened me on the call and via email.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (FL)

Good afternoon, I applied for a credit card with US Bank XXXX XXXX XXXX on XX/XX/2024 and my application was approved for XXXX XXXX 
I opened an account with US Bank and I even set notifications and select cash back categories waiting for my card to be delivered and activated. 
I received the card on XX/XX/2024 but when I tried to activate it the system was giving me an error. I called the Bank and surprisingly my credit card was cancelled without any notification! 
When I asked the representative to explain me what happened she said that it was confidential, and she couldn't give me any detail but I had to wait for a letter. 
On XX/XX/XXXX received a letter and basically, they're accusing me of a fraud attempt! I called several times to receive explanation and clarification, but they just replied that everything is on the letter. I was scared that somebody was using my information as SSN or address or phone number for fraud attempts but the Bank didn't provide additional information. 
I worked in XXXX for 10 years in a XXXX XXXX XXXX XXXX XXXX XXXX and I've never seen anything like this before. You don't authorize a credit line, send confirmation and after one week you close the account ( in good standing ) with no reason and without any notification. You should verify your approval system and you don't analyze any credit request after authorizing it but before! 
My credit score is impeccable ( actually is XXXX in XXXX ), I'm managing multiple credit lines without missing one payment and actually I have liquidity to cover 100 % of my credit lines ( around XXXX ) even if I'm actually using less that 1 % of them. 
I have credit cards with top US banks XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX ) and all in good standing. 
Whoever " valuate '' my position is clearly an incompetent and, in any case, any valuation should be done it before sending any confirmation of approval! 
Now US Bank is penalizing me and hurting my credit score because there's a hard inquiry that will stay for 2 years and there's no correspondent line of credit.

I'm working on my credit score because I want to buy a house soon and another Bank will notice this inquiry and they will think that the Bank didn't approve it because they saw something. It's a false and misleading representation of the reality and it will penalize me. 
Attached you'll find the approval letter with the credit card and the cancellation few days later.
Consumer complaint received 2024-01-09
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX BANK NA Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MD)

Completed a balance transfer and have been making payments well above the minimum due and was told when I called that the 0 % balance would be paid on first after the minimum monthly payment due. I have to pay it off within 15 months. Reviewed the statement and see the amount only went down a few dollars instead of what Id been thinking should be almost all paid off. I contacted the credit card company, Citibank and they said thats not the way it works, that the highest interests rate gets paid first and you have to pay it off entirely before they apply anything to the 0 % interests. To me, that is a never ending battle, predatory to some extent and they should clearly explain that when you review the terms. This was my second attempt to resolve and they should have clearly stated that when I called in six months ago. It would have changed my use of the card ( which, I rely on to pay my bills and make purchases on throughput the month ). Had that been explained- I would not be using the card until all bills were completed and the balance transfer could have been paid completely. Now I feel like the extra has been for nothing and Im back to square one, which, is harmful for the general consumer and perpetuates credit card debt because it appears to be a way to help avoid interests, but instead, is a gimmick.
Consumer complaint received 2021-08-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am making a final goodwill attempt to have you clear up this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of XXXXsc1681, for not properly verified the accuracy of any of the provided accounts I have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, I can pursue litigation to enforce my rights under the FCRA.. I demand my right to be acknowledged to these company immediately. Sincerely XXXX XXXX 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX, 2. XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-07-27
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. (IL)

I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. I submitted a complaint again dated XX/XX/2023 but it was immediately. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

We have been double-charged multiple times. For example, a {$5000.00} payment was made, and Bank of America withdrew it from our checking account twice but didn't apply it to our balance. We have contacted them to report the issues and now have {$270000.00} in withdrawals from our checking account. Our bookkeeper has located multiple times that this has occurred.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ive sent multiple disputes and 605b letters to Equifax. Equifax refuses to block information from my report. These following 3 accounts are fraudulent. Ive never done business with these companies or entered into a signed contract with these companies.

1. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$610.00}. This company did send a copy of a lease, but it doesnt have my signature on it!! It also has the wrong DOB XX/XX/87 is listed on the fraudulent lease. Bout XXXX  & XXXX  have deleted inaccurate information. Please Follow Suit And Delete!! Please see attached Ftc report and Lease page with wrong DOB.

2. XXXX  XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Please delete its been over 60 days its no way you still investigating this. Please follow suit of XXXX  and XXXX  and Delete. 
3. XXXX XXXX {$500.00} this account is fraudulent. Please follow suit and delete this account, XXXX  and XXXX  has removed inaccurate information from my account
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

Company is used used as a payment gateway ( credit card processing ) for registrations my businesses I receive from regfox.com. In XX/XX/XXXX I was contacted by WePay support indicating to update bank account information because deposits were being declined. Through communications with WePay support it was determined that my bank account ( XXXX XXXX XXXX ) was changed without my authorization on XX/XX/XXXX to a Chase account and all monies from that time until XXXX XXXX were fraudulently routed to the account instead of the correct, XXXX XXXX XXXX account where I received deposits without issue since using WePay 's services. 




I have documentation from WePay support on XXXX asking me to reverify my identity and banking information. This was done as requested and on XXXX I received noti cation from WePay that they were successful in verifying my identity and correct banking information. After that veri cation from WePay that my account was in order, I continued to receive regular email noti cations that monies were being deposited in my account. It was not until I received the noti cation from WePay in XX/XX/XXXX that I was aware that no money was being deposited into my account. The total amount of fraudulently diverted money is ~ {$100000.00}. The exact amount missing is still being calculated.
Consumer complaint received 2024-04-08
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 (NY)

I bought a XXXXXXXX XXXX American Express prepaid gift card and I used XXXX XXXX but I cant use the XXXX XXXX that are left, when I try to it states its been declined.
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I received an email on XXXX advising me that my loans are on forbearance due to a post covid natural disaster which I am not even sure how. I logged into my account and hidden within the inbox is more info, that announced that interest will continue to accumulate. I understand this is how a requested forbearance goes, but to send an email to all borrowers that makes it seems that loans are again paused, without better announcing that interest will continue, seems extremely irresponsible and predatory.