davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

On Tuesday, XXXX XXXX, American Express mistakenly took ~ {$3700.00} from my checking account, overdrawing my account, via an Autopay feature which was set for payment of my full balance, not my minimum payment as I had intended. I called American Express to inform them of the issue and was told I should call my bank to have them reject the payment. I made my intent clear to pay the minimum amount when my payment due date arrived. Long story short, it took one full business day for the rejection to appear on my account, leaving me unable to access money for that day. 

On Friday, XXXX XXXX, American Express again took the same amount from my Checking account. I called my bank immediately to have them reject the payment, but again, this " Autopay '' overdrew my checking account after it had already been rejected for insufficient funds AND after being on the phone with Amex representatives three days ago making my situation very clear. It is Friday, and I am now entering one of the few weekends left before the holiday with a negative balance on my checking account and no ability to spend money. 

Through this nightmare, American Express either refused or was unable to provide a way to stop this " Autopay '' from taking a massive money from my account a second time, and when I asked if they were suggesting this will happen again next week, they said they had no choice but to " let it happen and tell [ my ] bank to reject it. '' Meanwhile, Amex will have charged THREE repayment fees to my American Express card. 

Is this XXXX? It feels like it!
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MO)

I have an PayPal acct. I have had this acct for many years, since XXXX XXXX XXXX took over the website for PayPal has changed. It is nearly impossible to get a complete statement of your acct online let alone mailed to you. Before all the info was available to you. Now instead of it being readily available you have to call customer service, good luck. 
It is very hard to navigate the website and what little info they give isn't complete. Where is the statement with prior balances, payment info and interest accrued. Seems very deceptive and makes checking monthly balance very difficult.
Consumer complaint received 2022-09-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 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 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NM)

On XX/XX/23, I was charged a returned check fee for a payment made against my checking account despite having {$13000.00} in the account at the time. Despite a near universal courtesy policy of a one time exception, customer service refused to honor this request against the {$30.00} charged despite my account 's perfect standing. The only reason for this I surmised is because of a balance from a access check, a discriminatory treatment policy.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) 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 every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2021-12-11
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. (MI)

Experian has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Experian my written consent to do so. Experian is in violation of the USC LAWS listed below. 

Experian, please send me a copy of my letter that I handwritten and gave you my permission to report these items. 


Attached is photos of the accounts that has been reported without my WRITTEN consent. 

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-14
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: Experian Information Solutions Inc. (PA)

I HAD A IDENTITY THEFT ON MY CREDIT REPORT IN 2020 AND I FILE A IDENTITY THEFT REPORT, I SEND EXPERIAN ALL INFORMATION ON MY IDENTITY THEFT REPORT THAT WAS FILE AND ASK THEM TO INVESTIGATE ALL INQUIRIES ON MY ACCOUNT AND THEY HAD SOMEONE CALL ME FROM THERE FRAUD DEPARTMENT TO SAY ITS NOT FRAUD RELATED. SOMEONE FROM FLORIDA STOLE MY INFORMATION AND OPEN A CABLE ACCOUNT IN MY NAME WITHOUT MY PERMISSION AND THERE ARE INQUIRIES ON MY CREDIT FILE THAT I DID NOT RECOGNIZE. 
EXPERIAN REFUSE TO INVESTIGATE ALL INQUIRIES ON MY CREDIT FILE AND THEY ALSO REFUSE TO OFFER ME FREE CREDIT MONITORING SERVICE.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS ACCOUNT IS AN INFRINGEMENT UPON MY RIGHT TO PRIVACY AND HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT WITHOUT THE WRITTEN INSTRUCTIONS OF THE ALLEGED CONSUMER PER 15 USC 1681b ( a ) ( 2 ). THIS IS ALLEGED IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT. I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

I C system is trying to collect a debt before providing me enough information. 

I first received a collection letter from the I C system around XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. However, I did not know I owed anything. After receiving the letter, I contacted the medical group and explained that I did not receive any bill from you. After doing some research, the representative found that they wrote my address wrong. Therefore, I did not receive any statements. 

The bill was about my son 's 1-year follow-up visit when he was XXXX old. Although we visited the doctor for my son when he was XXXX in XX/XX/XXXX, I was not aware that we had to pay any bills. Because when my son was born in XX/XX/XXXX, the hospital made a mistake, and as compensation, the hospital decided not to charge us any bills for my son. This follow-up visit was with the same doctor who had seen him when he was born and associated with the same hospital. Therefore, I assumed there would be no bills to pay, which was further affirmed when I did not receive any statement from them. However, it appeared that the medical group actually sent the invoice to the wrong address, and thus I never received the bill. 

When I received the collection letter from the I C system, I contacted the medical group. I asked whether I needed to pay the bill since we had a settlement with the hospital. The representative noted and took my cell phone number and address and promised to follow up after speaking to the hospital and other corresponding departments. However, I never received any call or follow-up mails from the medical group and the I C system. Now I found out that the I C system reported my bills to the credit bureaus instead of sending me another reminder letter. This is a very disappointing and unacceptable attitude from these two organizations!
Consumer complaint received 2020-11-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and XXXX XXXX XXXX hoping that they would resolve this issue. The account I am disputing is XXXX XXXX XXXX account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with XXXX XXXX XXXX when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, XXXX XXXX XXXX has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please reverse the late payments reported on the following accounts : XXXX XXXX. 

The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-06-27
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: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2022 I contacted Midland Credit Management in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, Midland Credit Management nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX, Midland Credit Management, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Consumer complaint received 2021-08-25
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. (SC)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My complaint is about paying off auto loans and credit cards. In XX/XX/2019 I paid off my XXXX financed auto loan in full. XXXX reported to Credit Reported Agencies as " account closed '' which lowered my credit score by 30 points. Consumers are being penalized for paying off debt. If my XXXX score went to XXXX for paying off auto loan, mortgage companies prefer XXXX. Penalized for paying off car loan. The CRA looks at account closed as though consumer closed account when they didn't. Rule should change regarding reporting paid off debt
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I applied at Wells Fargo Bank to refinance my mortgage. I provided Wells Fargo all the required documentations. Wells Fargo requested that I had to pay an upfront appraisal fee before they could review my documents. I paid {$690.00} for appraisal fee and completed the appraisal. Few days later, Wells Fargo requested for more income documentations. After I provided requested documents, Well Fargo denied my application for insufficient income. 
I believe this was totally unfair business, Wells Fargo Under Writers and Loan Processors could have verified my income before requesting for a full appraisal fee. I had pay for full appraisal up front and later find out that I don't qualify because of insufficient income. I requested Wells Fargo for the appraisal fee to be returned to me but they denied. This is unfair doing business with consumers.
Consumer complaint received 2021-12-11
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. (MI)

Trans Union has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Trans Union my written consent to do so. Trans Union is in violation of the USC LAWS listed below. 


Attached are pictures of the items that has been reported without my consent Trans Union please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Paycheck Solutions llc (TX)

I got a loan from Paycheck Solutions and I've been struggling to get them paid due to not getting all of my hours. I previously requested for them to stop calling my job because I was getting in trouble. The calls stopped for a few months and about 2 weeks ago, I got an email from another employee that someone from Paycheck Solutions had called wanting to speak with me. At that time, I sent an email advising them again to stop calling my job and I received a response that they would continue to call until the account was paid. I advised that if they called again to my place of employment, I would report them. I received 2 calls from them yesterday XX/XX/2023.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

This is the second time that this problem has happened to us with the payment of my mortgage, the first time it was solved but this second time since approximately XX/XX/XXXX we have not been able to solve it since the bank raised the monthly payment of {$580.00} to {$910.00} as of XXXX, arguing that it is due to lack of property insurance since our contract had been in force from XX/XX/XXXX to XX/XX/XXXX and one of the many times we had been talking to them to To find out where the problem was, we were finally attended by a person from the insurance department named XXXX XXXX, who looked in detail to find that indeed the house had always had insurance and that this had been their error, she told us that she had already updated the information And that he was going to send it to the escrow department to review it and make the corresponding corrections and he recommended that we call again in a week and so we did and sup Apparently they had already made the corrections by lowering the payment to {$720.00} but according to the amount of the new insurance policy it does not correspond to that amount and through you I want you to give me a solution since even so my payments are still higher than they should be. since according to the numbers that I have they are : {$160.00} Principal {$280.00} Interest {$130.00} New taxes {$41.00} Insurance Policy leaving a total of {$620.00} and not the {$720.00} that they are charging me. 
For this reason I decided to contact you and ask you to please help me solve this problem, because it has been impossible for me, they only tell me that they are going to call me and they do not do it and while I continue to pay an unfair amount. Thanks!!
Consumer complaint received 2021-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I attempted to use my ATM card associated with my savings account at a casino. The transaction was declined. When I got a customer service rep on the phone at Chase, I was told there was a " fraud hold '' on my profile and no one was available in that department to assist. I then went to a local branch and was allowed to withdraw {$300.00} from my checking account. I attempted to call the fraud department the next day.i was on hold for XXXX hours and no one picked up the line. I checked my account activity the next day. My transactions included a {$260.00} non Chase ATM withdrawal. I suspect this is the casino withdrawal I attempted but was denied. So did the ATM state I received money when in actuality I did not? I tried calling again, to dispute the transaction and to see if this has to do with the fraud hold. Again, I was on hold for XXXX hours and no one assisted me. 
I can not file a claim for this transaction. Every CSR I speak with states only a specific department can assist, since it's a fraud hold. But no one answers the phone when I call the department. How are customers supposed to reconcile these issues when there is absolutely no assistance? Why does Chase hold money XXXX but refuse the right to speak with someone about these issues? I want to file a claim regarding the {$260.00} withdrawal and I want the fraud hold gone.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LOBEL FINANCIAL CORPORATION (CA)

I was granted a car loan by Lobel financial located in XXXX  Ca. Unfortunally i was maybe a month behind on my payment & I was XXXX  & car impounded. I was told by XXXX XXXX XXXX  my car was lon a 30 day hold, so on the 28 day ( at this point i was XXXX XXXX XXXX XXXX  ) i went to the tow yard to figure out how mulch of a loan it would take to get my car out. With all the unethical charges tow yards are allowed to pass on to the consumer, anyhow the tow yard employee advise me that lobel came & repoed my car and all my belonging that were in the car i would have to pay an unethical fee to get that i out. which happend to be my trade tools for work, which i had been fired from. so since i used every XXXX to bail out to try & keep my job i could noy pay the fee to get my work tools out. so LOBEL had been reporting my loan as charged off BAD DEBT every month for almost 2 years? and recent they pulled a copy of my credit report. how can this be legal. please help. XX/XX/2021.