davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
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: BARCLAYS BANK DELAWARE (NY)

Though there was a $ XXXX/yr membership fee for the Barclays XXXX XXXX credit card, Barclays promised a one-time XXXX bonus miles if you spend {$2000.00} on the card within 90 days of having the card. 

I spent {$2000.00} within 90 days of account approval ( " XX/XX/2019 to XX/XX/2019 '' ), but I didn't get the bonus miles. When I enquired, Barclays said their account opening date was when you submitted the application form, " XX/XX/XXXX '', not the date when you were approved to use the credit card account, " XX/XX/XXXX. If the date to be considered is less than XX/XX/XXXX, I would be a few dollars short for qualifying for the XXXX bonus miles. 

For consideration, I reported to Barclays that I was unable to use the credit card for about 30 days of the 90 days period because the chip on the Barclay 's credit card stopped working in XXXX. As I was traveling, I did not received the replacement card till a month later ( end of XXXX ). The faulty credit card was refused by the various merchants because it was a " chip card '' ; the merchants refused to manually enter the credit card details. I ended up using a XXXX credit card during this time period. Barclays rejected the request to extend the date count for usage handicap period. 

I then tried to cancel the card and get a partial refund of the membership fee ; especially since Barclays was quibbling on the dates in order not to grant the bonus miles. Barclays refused to refund the membership fee. 

Would you be able to help me investigate their account policy in relation to these bonus miles? Barclays should not count dates when you're unable to use their credit card. If Barclays does not honor their advertised bonus miles, clients should be able to cancel the Barclays card and get back the membership fee.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

On XXXX XXXX my Equifax score decreases by XXXX. It says I have no credit history and my XXXX XXXX XXXX XXXX card closes recently this week, which it did not. I tried to dispute a claim with them online. It sent me to call them. I called and they put me on hold and I had to call back. They than told me to pay for a credit report and that I cant dispute online. Only by fax or mail. The thing is my proof is online in XXXX XXXX.
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

On XX/XX/2017, this company sent me a letter collecting XXXX. On XX/XX/2017. I requested information about this debt. On XX/XX/2017 they sent me a copy of a lease for an apartment rental at a community by the name of " XXXX XXXX XXXX ''. The balance at move out was at {$340.00}. I had given a deposit of {$600.00}. This means that they were supposed to give me back the difference : {$600.00} - {$340.00} = XXXX. Instead, XXXX XXXX XXXXXXXX added the following fees : {$120.00} Kitchen counter top refinishing. I paid XXXX out of my ocket to do this before I moved out, so they didnt have to do this and don't have an invoice showing they did. They added {$170.00} Master tub refinishing. They don't have an invoice for this. The tub was sparkling clean before I moved. They added {$1200.00} for moving out a month before lease expired. I notified them 90 days prior to moving that I purchased a home. They also added {$390.00} for 34 months left of carpet use, when I also hired a company to clean the carpet two days before moving out. Adding up {$340.00} Balance at move out, why?, plus {$1900.00} additional charges = {$2300.00} minus my XXXX deposit they claim I owe {$1700.00}. So I sent a letter to Ideal Collection Services requesting an investigation of those charges and instead of responding to me, they waited exactly two years to report this account to my credit report. Damaging my impecable credit which was at XXXX credit score to XXXX thanks to their negligence.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX   ( validation information regarding the judgment ) which they never sent me.
Consumer complaint received 2018-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-11-09
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. (LA)

Experian is now at the point where they are playing a game. I disputed items, and I submitted documentation. On one occurrence they ended the despite, without get a response from the companies involved. On a second occurrence they ended it, via their own means. I am now on the third round of disputes pertaining to student loans, multiple reporting of same debt, duplicate trade lines, and accounts that do not belong to me. Upon calling I was basically told by Mrs. XXXX if that is her real, true, and correct name that if I want to file a complaint, I can wait. They have now extended the time Period out for the disputes, to the end of the month XX/XX/XXXX when they should be completed by XX/XX/XXXX. Also they have been uploaded supporting documentation on 2 other items, and have blocked my ability to dispute online. They will not open the dispute over the phone, because I have dared to file a complaint with the CFPB. In the other cases that where filed with Experian, they gave a generic answer to close the complaint out. Please explain what a frivolous answer is going to do to help anyone? So any company can come on this site, give a bogus answer, and get released from responsibility? 

I hope this gets reviewed by a real person. I also hope the other complaints are reopen. They have no legal right to violate the FCRA. I should not be penalized, because I dared to file a complaint on them, when what they where doing was not only illegal, it was immoral. 

XXXX XXXX
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NV)

In the beginning of XXXX over a three month period my American Express was charged {$2900.00} total in many many XXXX charges that were not mine. I have sent over the 49 page dispute to American Express 3  times and they finally confirmed receipt of it. This has been going on for one year and nine months now. I was only given credit of approx. {$400.00} of the total of {$2900.00}. I have called American Express an additional nine times over the last year and have been told every time its still in process and will be resolved shortly. In the start of this in XXXX XXXX I was told it would take a few months. After 5 months I was told it would take a couple more months. After calling nine times, the last 6 calls I was told they would call me back within 48 hours after the look into it and see why I had still not received the credit. I NEVER have received a call back. I had to pay the full {$2900.00} as this is a platinum American Express and is due in full every month, there are no partial payments. Thank you.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have 2 Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After XXXX requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

Requested approximately 2.5k refund. Only received a check for approximately {$100.00} so am missing most of the refund. Called the company ( EdFinancial ) multiple times over the course of a year and they only claimed they were investigating in a research report. But I still never receive dmy money back.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX. Bankruptcy : XXXX XXXX ( HR12 ) - ( BS-7 ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681eb : they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Delete the unauthorized credit inquiries immediately, as their presence is a violation of the Fair Credit Reporting Act and a severe infringement of my privacy rights. This serves as a final goodwill gesture ; failure to comply within 30 days will result in legal action, seeking compensation for defamation, negligent enablement of identity fraud, and Fair Credit Reporting Act violations. The clock is ticking, and your prompt resolution is imperative. XXXX XX/XX/2022 and XXXX XX/XX/2022. Please remove these fraudulent accounts immediately.
Consumer complaint received 2023-03-22
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. (NV)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX, XXXX ) ( XXXX XXXX XXXXXXXX, XXXX, XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2023-03-23
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. (PA)

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 2018-11-07
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: USA Service Finance LLC (GA)

I checked my credit report months ago and noticed this creditor was on my report. However I have never heard of this creditor nor have I ever done business with them. Theres a number on my report to contact them and upon contacting them I spoke to a lady who told me that I had been a sponsor for this lady who took her grandmother to XXXX or XXXX Im not really sure of the location she claimed Id sponsored but I informed her that I dont know the names she named and she said that if I file a dispute with the bureau shed remove this fraudulent account. I believed her but upon recently checking my report I found she never removed the account and is still reporting it as open and now 9 times delinquent. I then made a second call to them and spoke to a different lady who said I had my sister flew somewhere to attend the funeral of my brother which is a total made up story because I dont have a sister and my brothers are alive and well. This creditor knows this account is fraudulent and refuse to remove it from my report and thats a violation of consumer protection laws in reporting false information to credit bureaus without adequate verification. Im asking that they remove this fraudulent account or the FTC charge them for violating consumer protection laws. Reporting false information to credit reporting agencies.They have no validated evidence of me signing anything in front of a notary or certified letter sent to me validating this debt so they are in violation of the law if they dont remove this.
Consumer complaint received 2018-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial (WA)

I purchased furniture XX/XX/XXXX for {$1100.00}, and the retailer ( XXXX XXXX, XXXX, WA ) informed me that I could pay off the loan anytime for a {$25.00} penalty. Made payments per agreement for 3 months. Contacted XXXX  XXXX to payoff and was informed that I had missed the 90 day payoff window and the amount due has now DOUBLED. 

I have attempted to resolve with XXXX XXXX. I emailed them XX/XX/XXXX, called XX/XX/XXXX, called XXXX and was promised by XXXX XXXX that I'd have a return call from a supervisor within 48 hours ( never happened ), called XXXX six times, was transferred by to fax/modem screeching sound each time. 

All I want to do is payoff the account.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2011, I purchased a money order in the amount of XXXX from Fifth Third Bank. I issued the money order to Attorney XXXX XXXX. Since 2011, a dispute has occurred in which the attorney is stating that he never cashed the money order. To prove payment, I requested a front and back copy of the money order from XXXX XXXX and several other Fifth Third Staff members. XXXX XXXX provided me with a copy of a money order with no endorsement. When I asked XXXX XXXX for a written letter to submit as proof of payment and endorsement she stated that she can not provide me with the name of the customer who cashed the check instead, she has only provided me with the name of XXXX XXXX XXXX  as the banking institution of where the money order was presented. Based upon the money order having no endorsement and Fifth Third Banks refusal to provide me with the name of the customer and other pertinent details I am not able to prove that I made a payment to the Attorney and Im unable to receive my funds back. I am attaching a copy of the money order provided by Fifth Third Bank and copies of my bank statements as supporting documentation.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX ON IS REPORTING ACCOUNT ERRONEOUSLY I HAVE SPENT XXXX SO FAR TRYING TO GET THIS OFF MY REPORTS
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

I spoke to XXXX today and she said that the chase can't refund money because the time has passed and I talked to manager XXXX she said will look in to account and get back to me and according to her, I had given every bit of detail with CHASE EXECUTIVE OFFICE, they gave it to the dispute manager and they just followed based on what they said. Apprently there was not time spent to LOOK IN THE DETAIL LATTER THAT I SUBMITTED. XXXX said she will look at it. I still want to fail a complaint cause of the unfairness of the treatment and no intergrity in reviewing the calls by the EXECUTIVE CHASE. 

CHASE Case Number XXXX And I have attached " XXXX.pdf '' with detailed story of my concern and dispute.
Consumer complaint received 2023-03-22
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. (TX)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.