davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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 (MA)

I have been trying to resolve an American Express problem since XX/XX/2022. I have been denied a months worth of points that should have been transferred to my XXXX XXXX  account. Numerous phone call have been made to American Express. Many case ID numbers have been given to me. Once a supervisor even promised to call me on XX/XX/XXXX and I stayed home all day so as not to miss his call with his praise of resolution. He never called. Today, XX/XX/XXXX I called again and was told now that resolution would not happen until XX/XX/XXXX. I have lost all faith in American Express because of these tactics. I have no way of knowing or finding out if they are telling me the truth. I am very upset that a supervisor promises to call and never does. How disgusting! American Express sent just XXXX points for one statement in which I earned many more points. They are blaming this on an internal transfer problem. Who am I to believe? This is poor customer service!!!!
Consumer complaint received 2022-04-15
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. (AL)

I have been disputing a debt with experian on a XXXX XXXX XXXX account. I have disputed the item for several months and they have taken no action to remove the item from my credit report. Nothing about the account is reported correctly. I have even attached a letter from my attorney showing the debt was resolved. I want experian to remove the inaccurate account from my credit report.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account ( XXXX ) for my online business as an Online freelancing I paid through PayPal I make video and photo editing since XX/XX/2022. I am hoping that i will get back my account. Thank you and Godbless For identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX since XXXX. Latest transaction that was put on hold was on XX/XX/XXXX amounting to {$140.00}. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2022-05-14
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. (AZ)

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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX has violated my rights.XXXX XXXX Account # XXXXXX**************, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, 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 2024-02-15
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. (GA)

I am trying to purchase a home and I recently reviewed my credit profile and noticed inaccuracies incomplete information, and Unverified accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment and written/charged-off on my credit report : XXXX  XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$4100.00} XX/XX/2024 ) XXXX XXXX XXXX : Account number XXXX ( Account Charged Off $ XXXX Written Off {$410.00} XX/XX/2024 ) XXXX XXXX XXXX  : Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX XXXX  Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX Account number XXXX ( Account Closed as of XX/XX/2024 ) I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2019-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

In XXXX I obtained a boat loan from XXXXSantander Bank. On XX/XX/XXXX, I sent Santander Bank a check for {$30000.00} to pay off loan this check was posted to my bank statement on XX/XX/XXXX. I received a letter from Santander Bank dated XX/XX/XXXX stated loan was paid in full. 

In XXXX of this year my Ex received a call asking me to call the bank. I did and was told I was a month overdue on my payment. I explained I had paid off this loan. The bank person looked at documents and found the paid off loan letter and told me she would correct the problem. On XX/XX/XXXX I received a letter from bank stating I was overdue {$590.00} on the balance of XXXX. This letter came about the time I had talked to the bank person. I did not respond. 

In early XX/XX/XXXX I got a message to call bank. I did and was told I now was 61 Days overdue on payment of {$1200.00}. I called bank on XX/XX/XXXX, I insisted I had received a letter saying loan was paid off. They stated there was a balance due and I needed to pay it. That evening I went through my files found the letter stating loan was closed. On XX/XX/XXXX I call customer service at bank to state I had my letter saying loan was paid off. Customer service could not find this loan. I was sent to loan person who sent me back to coustomer service who sent me back to a different loan dept who sent me back to coustomer service. No one could find the loan. I was advice to email Bank which I did I and received an electronic response. 

On XXXX XXXX I filed a complaint with OCC, case number XXXX. 

On XX/XX/XXXX I received a certified letter from bank stating I was overdue XXXX and if payment not received by XX/XX/XXXX my boat would be reposed. 

On XX/XX/XXXX I called bank. The bank representative told me they had received my payment of XXXX in XXXX and {$3500.00} had been reversed for probably insufficient funds.. That evening I dug through more files and found my bank statement indicating my statement had been posted a withdrawal in the amount of {$30000.00}. There was no insufficient funds. 

This has become crazy.
Consumer complaint received 2019-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Olympic Collection Inc. (WA)

Explanation of complaint : This XXXX  office, XXXX XXXX XXXX XXXX, never sent me notification of payment due after billing my two insurance companies. In fact, they claim this was a running balance even though I was back in the office for a repair of a crown, because of shoddy workmanship, and they told me I had a XXXX balance. I was recently ( XX/XX/XXXX ) served a summons for a lawsuit for a principal balance of {$160.00} which has now ballooned to {$440.00} including court fees. I was blindsided by this and contacted the XXXX  office who confessed they had an incorrect address on file and never called to resolve this. I updated the address with them, when it changed in XXXX, but they inputted the wrong zip code. Because of this I now owe a {$440.00} judgement. Please see attached. 
The address they had on file was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ... the correct address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. They either forget to change the zip code from my previous address, which we had all mail forwarded to XXXX address, or simply inputted the wrong zip code. 
At any time we could have been contacted by phone to resolve this issue but we were never contacted. The collection agency said the left a message, which I never received and sent a mailer which I also never received. I do not have any accounts in collections this has affected my credit report severely. And the XXXX  office manager and account manager say they can do nothing but refer me to the collection agency.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX bank address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, phone number XXXX.
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. (GA)

Went to help my wife get a car, I explain to them not to run my credit more that one time because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (AZ)

Cedars Business Services sent three collection notices in XXXX for traffic violations in XXXX, XXXX, to include overage charges/fees that more than doubled the original amount. They also called multiple times and used multiple numbers to disguise who the call was from throughout XXXX. They gave no proof of the alleged traffic violations either by mail or phone. When I answered the phone ( XXXX XXXX ) to talk to them and asked for proof of the violations, they insisted they needed my email address to send proof, and I asked for them to send proof by mail since they obviously had my address. After this request, they never provided proof, stopped calling, and stopped sending mail until this month ( XX/XX/XXXX ). They sent four collection notices, again with zero proof that I am responsible for the debt. The only way that these violations can be real is if they were from a business trip in XXXX years before the first notification where I had to sign out multiple rental cars for the group I was with.
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (MT)

I opened my card with Upgrade in XX/XX/2021. There has been no problem with using the card or with their terms. The problem I have is that they do not overtly disclose how much interest is charged each month. I must always determine this amount by subtracting the balance according to all listed charges from the balance displayed on my account dashboard. I have scoured their website and I have scoured my statements and there is absolutely no mention of how much interest is being charged. 

To be clear, my problem is not that they are charging me interest. It is that they are HIDING it. I did initially make a call to their customer support line and even the representative I spoke to could not find any information on what the discrepancy between the listed charges and the given balance was. He could only suggest that I continue doing what I am doing to determine what interest had been charged for a given month. 

I am attaching a copy of my most recent statement with the account number redacted ( though I'm 100 % certain they could determine who I am based on the transactions and billing dates ).
Consumer complaint received 2022-05-14
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (GA)

America First Credit Union has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The AFCU account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my chase account. They don't have physical locations in Georgia so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.
Consumer complaint received 2016-11-14
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Acceptance, LLC (MN)

American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.
Consumer complaint received 2022-05-14
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ive recently been working on building my credit and I noticed some hard inquiries that I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (WV)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$5500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-08-10
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: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystems, Please see attached including : - written complaint - drivers license - social security number - address - latest report from XX/XX/2023 Please have all of these unauthorized inquiries removed immediately.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

CapitalOne sent me a firm offer of a credit card despite myself being on the FCRA permanent opt out. This has happened several times before and has been reported previously. Clearly they are not be properly checking against the opt out registry.
Consumer complaint received 2022-05-14
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. (NY)

After reviewing my credit report, I am not happy to see the below item is still reporting under my name, all other inaccurate accounts here are deleted already and you must removed this too right away since I have informed you that this is affecting my credit rating negatively.
Consumer complaint received 2022-05-14
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. (PA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-05-14
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. (NC)

I pulled my credit report XX/XX/2022 and found multiple hard inquiries, that I did not sign or agreed to. 
I called Experian on XX/XX/2022 and asked them to remove the hard inquiries and he said that I don't have any hard inquiries on my credit report. I talked to my Mom, and she said to do a complaint here.