davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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: AMERICAN EXPRESS COMPANY (CA)

On or around XX/XX/XXXX, I was approved for the American Express Gold Card. I used a referral link that would give me XXXX bonus American Express points for meeting a minimum spending requirement of {$3000.00}. I had a tax bill to pay, so I quickly met that payment. 

I met this minimum spending requirement on XX/XX/XXXX. See attached. 
The bonus points were not deposited to my account. 

I called American Express twice over this. On XX/XX/XXXX, I spoke to a customer service representative who said my points were on their way, and they were just waiting for my XX/XX/XXXX statement to close to see if I returned anything, and if so if I had met the minimum requirement. ( AMEX stated to me on the phone today on XX/XX/XXXX that they have this call recorded and would review ). I was promised that I qualified for the bonus and it was on its way. 

I called AMEX again on XX/XX/XXXX, and found out that I am, in fact, NOT eligible despite signing up for the card, being approved, and using the card to meet all of the requirements to meet the minimum spend. In fact, I was made aware that AMEX in fact, told me over the phone that I was not eligible, and I spoke to a supervisor about this. I can not emphasize enough that this is completely fabricated and made up. 
I never spoke to a supervisor regarding this and was never told I did not meet the eligibility for the signup bonus. AMEX is blatantly lying and committing " bait and switch '' and consumer fraud by denying me the bonus I have earned. 

This XX/XX/XXXX is in fact the first time that I was made aware that I did not qualify for the bonus. I was never informed when I signed up and was approved, and through the 4 months using the card. This is blatant consumer fraud and a textbook definition of bait and switch. 

Please contact AMEX, have them turn over all recorded phone call conversations with me and have them give the signup bonus I have rightfully earned.
Consumer complaint received 2022-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-29
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: Bread Financial Holdings, Inc. (MS)

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (IL)

This is my third PAY DAY loan with Advance America in XXXX, IN. On Tuesday, XX/XX/2019 I went to take a PAY DAY loan in the amount of {$600.00}. The agent that signed the attached loan agreement, stated my repayment date was XX/XX/XXXX. The assistant manager, XXXX, stepped up and stated that wasn't true. The loan was due in 14 days which would be XX/XX/XXXX. The rep that was assisting me stated, " If that's the way you do it, OK. '' I then challenged the assistant manager. I stated what you are doing is unethical. It's called a PAYDAY loan, not a 14-day loan. She tried to explain how that works, then called the store manager to get his approval to proceed. I asked her if you're not doing any illegal, why do you have to get the store manager 's approval. What this site is doing is they tell you if you don't pay it on the date they have given you ( NOT THE PAYDAY LOAN DATE ), it will cause unpleasantries for you. Your name will be submitted to the database in Indiana, which won't allow you to get any other loans, and you won't be able to write a check. " SCARE TACTICS! '' Then XXXX explained to me you can pay it, and turn around and get it right back the same day that you pay it. In essence, in a month 's period you are paying a {$150.00} finance charge, versus a {$77.00} finance charge, depending on the day that you obtained the loan. Advance America is lending unethically.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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.
Consumer complaint received 2019-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Fraudulent practice without validation by XXXX XXXX XXXX XXXX hereafter referred as XXXX.

I spoke to a rep at XXXX 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail.

Regardless, I called XXXX and spoke to them about the issue. The issue here is that XXXX   decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX in XX/XX/XXXX, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members.

So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in XX/XX/2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership.

I explained this to XXXX   rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying XXXX is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy.

Till date, XXXX has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by XXXX XXXX  to place a debt collection on our credit reports.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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  XXXX XXXX XXXX XXXX- Account Number : XXXX and XXXX XXXX XXXX - Account Number : XXXXhas 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 instruction 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.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

To Whom It May Concern : I am disputing the XXXX hard inquiries on my credit report, which I believe resulted from an identity theft. According to the Fair Credit Reporting Act ( 15 USC 1681c-2 ), consumer reporting agencies must block information on a consumer 's credit report that the consumer identifies as resulting from alleged identity theft. Because these XXXX hard inquiries appear to stem from identity theft and not my own credit applications, I request that you immediately delete them from my credit report to comply with the FCRA. Please update my credit report as soon as possible. 

Thank you for your attention on this matter.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I have written Equifax numerous times about the reporting of 2 Public Record being reported on my credit report. I have sent the a letter from the Bankruptcy courts stating that they do not report to the credit bureaus and a letter stating this information should be removed from my credit report.
Consumer complaint received 2017-06-07
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. (LA)

I call transunionabout multiple inquiry, coaf  XX/XX/XXXX ,.   XX/XX/XXXX , XX/XX/XXXX     XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX .  XXXX / XXXX   XX/XX/XXXX .  XXXX  set  XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX    XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX       XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX  only supposed to be one not 3 times.    XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX  XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX / mail  XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX only supposed to be  one not two times    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX .
Consumer complaint received 2022-10-13
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for a Capitol One Secured Master Card on XX/XX/2021 and XX/XX/2021. I received a response back from Capitol one that my application ( s ) had been approved. The email stated that I needed to pay only XXXX by XX/XX/2021 in order to receive my credit card. So, on XX/XX/2021 I reapplied for a Capitol One Secured Master Card again to see if I still was approved, only to get a response back that I was now no longer approved. I then called the Capitol One Customer service line on XX/XX/2021 to find out why I was no longer approved they said, that I would receive a letter in about ten days explaining why I was no longer approved. What I don't understand is how can I go from being approved on XX/XX/2021 and XX/XX/2021 to not being approved on XX/XX/2021 from XX/XX/2021 to XX/XX/2021 is only nine business days and from XX/XX/2021 to XX/XX/2021 that's only one month and twenty six days later. There was only one change to my XXXX Report because I applied for a Capitol One Card so, my score went down 3 points which should not have affected my score because I had checked prior to make sure that I would be approved be for applying for a card. It was the same situation with XXXX.
Consumer complaint received 2023-09-25
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : BankruptcyXXXX  Case Number : XXXX ; XXXX XXXX XXXX  XXXX Account Number : XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-05-18
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. (FL)

N Accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX, XXXX, has Violated my rights. 

15 U.S.C 1680 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 without my written Instructions.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (OK)

In XXXX of 2016, I purchased a used vehicle from XXXX. ( Colonial Auto Finance ) I traded my current vehicle that was purchased from XXXX  towards the purchase. Within a week I started experiencing mechanical problems, and continue to over the next couple of months.After the vehicle being put in the shop for a week here and there, eventually I was told the cost to repair the mechanical issues were more than the vehicle was worth, but they could do a return or 'acceptance of collateral ', which would satisfy the purchase price of the vehicle and in turn would not have a negative effect on my credit. I agreed to those terms and went elsewhere for my next vehicle purchase. About a year ago, while trying to get financed on a house, we were told this debt was showing up negatively on my credit report. I contacted the dealership where I purchased and spoke to the manager I had done the deal with. He reassured me he would get in touch with the corporate office, and remedy the situation. We have disputed the debt through credit-monitoring companies, but still have a derogatory remark on our credit, showing the account is closed and the remaining balance was never satisfied. We have requested removal. We have contacted the finance company directly, who told us it should reflect negatively because it shows us to be current on payments, however there is no balance due.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporter Conversion ... .acct # XXXX acct # XXXX acct # act. # XXXX act. # 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
Consumer complaint received 2022-05-15
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. (FL)

in accordance with the Fair Credit Reporter Conversion ... .acct # XXXX acct # XXXX acct # act. # XXXX act. # 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