davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Prior to opening an American Express account, I was informed as the spouse of an active-duty military member ( my husband has been active reserve XXXX XXXX for over 13 years ), we would be eligible to have the MLA ( Military Lending Act ) added to both of our accounts. We do NOT qualify for SCRA, as the account with AMEX would be opened after the beginning service date. We DO qualify for the MLA, however. 

I have been fighting with American Express since my account opening to have the MLA added to my account. Every time, they take my information and then a few weeks later I get a letter stating we are not eligible. I have uploaded my husband 's military documents multiple times, copies of our marriage certificate proving I am his spouse, and letters explaining to AMEX what we are and are not eligible for. Despite this, I have now been denied XXXX  times. Each time, the rep tells me they will " fix '' the issue and take all of the same information. They refuse to give me to a supervisor or have someone correct the information immediately. I am at a loss as to what to do. We are indeed eligible for this, and they have applied it to my husband 's account, but refuse to do so on mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (NV)

There is a felony record on my criminal history that is false. I have never been convicted of a felony. I wasn't even a resident of the state at the time. Sterling solutions ran the background check.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (FL)

I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX ( XXXX ) Type : XXXX XXXX XXXXAutomotive Date : XX/XX/XXXX XXXX FL XXXX XXXX ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, XXXX
Consumer complaint received 2024-03-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I received XXXX American Express gift cards totalling in the amount of {$620.00}. XXXX cards each with {$200.00} and XXXX with {$25.00}. On XX/XX/2024 I tried using these cards at multiple retail establishments and over XXXX places online. When they were all declined I called the number on the back of the cards to make sure they still had balances on them, the all were still full. I checked on their website americanexpress.com/mygiftcard and that also confirmed the cards still had full balances. 
I then contacted American Express to find out where I could use the gift cards, they said I could use them at any place that accepted American Express, and even suggested places like XXXX, XXXX, and XXXX. They said I might have trouble using them at the gas pump. 
I then tried using them at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX online stores, when those did not work I attempted to use it at the grocery store XXXX in person, that too was declined. I can not find any place that will accept these cards. It appears to be an attempt to just keep the money. 
Attached are the notices I received after XXXX declined my payment using the gift cards as well as screen shots of the balances still on the cards. I tried using different cards to see if there was a problem with only XXXX of them.
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/removed.
Consumer complaint received 2021-06-03
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. (CA)

I have 8 accounts on my credit report that do not belong to me I have not applied signed or authorized these accounts I need them off my credit report asap!!! 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Consumer complaint received 2022-04-30
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. (NY)

I do not recognize these inquiries and would like them removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I filled out and mailed in the permanent opt-out for pre-approved credit cards. Capital One, which is the worst spammer out there, just sent me another one, ( I am attaching file ). I want the XXXX to stop. All it is doing is giving someone the chance to steal from my mail and open in my name. I have no interest, never have, and never will for a Capital One card. At this point they have so offended me by not following my wish to be left alone, that even if I want a credit card, I will get from anyone besides them.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (FL)

I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX WF Crd Svc ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX  ( XXXX ) Type : XXXX XXXX XXXX/Automotive Date : XX/XX/XXXX XXXX FL XXXX XXXX  ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, XXXX
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One is still reporting a charged off account with balance due when I have court documentation that it was a repayment agreement that has been paid in full. This has adversely affected my credit for the past year. Have tried through credit reporting agencies to get this fixed with no success even though I have the actual court document saying that this is paid in full. This credit card company is a bully and you all let them get away with it.
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear cfpb I have XXXX closed mortgages that are not mines XXXX  XXXX XXXXand XXXX XXXX XXXX XXXXr XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

Around XX/XX//2018 I lost my card and there was multiple transactions made fraudulently on my account I reported the fraud and let the bank know they credited the account and then refilled the account I been 3 months trying to get the matter resolved and they have not reached out to me on the correct number XXXX I did not make the charges and need the credits out back on my account
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I've tried many times to resolve this issue over the phone, instead I've been left on hold for a long period of time.Due to my busy schedule, it was very difficult to get this matter resolved. Ive sent many letters to the Credit Bureaus and nothings was done about it.
Consumer complaint received 2022-04-30
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. (NJ)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. If account status is inaccurate and payment history is inaccurate.

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 an account without my written instruction.

The Credit bureaus did not take my request for the re-investigation seriously for the 2nd time. 
There our a total of One hundred twenty three ( 123 ) violations.

They have continued to violate my rights every and time.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Someone opened an account with Bank of America in my name fraudulently. I filed a police report and a ID Theft report with Bank of America. The company have name blacklisted in the risk department and this prevented me from opening an business account. The company should of already block the fraudulent accounts. I never had any accounts with Bank of America.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WI)

This company sent a American Express membership offer to my home address and I did not apply or seek out any information regarding American Express credit cards. The company sent a welcome offer to my home address for my XXXX called XXXX XXXX XXXX XXXX. They've mailed the request at least three to four times to get my attention with a terms and conditions attachment asking me to apply online with a RSVP CODE. After entering the approval code for credit by the due date the company sends a denial of credit.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

I had a collection for XXXX XXXX reporting by Receivable Solutions. They have been extremely rude in trying to contact me. They threatened my job and my property ( which is not legal in XXXX that I am aware of ). It is currently being reported at {$1000.00}. The original debt amount is reported at {$1200.00}. 
The SC Dept of Revenue withheld {$1100.00} for this specific bill from my state tax return. I have the proof. 
Receiveable Solutions refuses to take it off. I have contacted them and contested it through the credit bureaus. They won't do it. This has happened before and it aged off. I am trying to buy a home. It is ridiculous. I have the documentation that it was paid.
Consumer complaint received 2018-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a certified 609 letter to Transunion on XX/XX/XXXX asking them to send me copies they have on file verify for XXXX XXXX XXXX in {$12000.00} and XXXX XXXX {$0.00} balance which was charged off. Also XXXX XXXX that closed in XXXX. All three accounts came back as verified perTransunion however they did not send me any information I requested within the time frame. I spoke with a representative last week on XX/XX/XXXX and stated the handwritten letter was received.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC (NC)

I am being charged XXXX dollars as a debt and I signed nothing pertaining to the apartment the apartment is called XXXX XXXX in XXXX North Carolina I never even signed any paperwork to move in or anything just did an application that all.
Consumer complaint received 2022-04-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX {$970.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, experian, XXXX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

There was fraud made from XXXX that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and XXXX still says I have a balance and I tried to resolve this and explain that this was due to fraud. XXXX sent the debt to collections.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion & XXXX  are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX   does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The GA US Bankruptcy court has not reported this information. I have asked that this be removed from my TransUnion & XXXX files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.
Consumer complaint received 2021-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Several disputes have been submitted regarding these accounts since XXXX 2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with Walmart. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was XXXX XXXX XXXX. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from XXXX XXXX and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.
Consumer complaint received 2018-02-13
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Consumer complaint received 2021-06-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (FL)

XX/XX/2021 I got a hard inquiry on my XXXX  credit report From a company named NETCREDIT/XXXX Never heard of this company Never applied for a loan I was at work all day from XXXX to XXXX Tried calling this company Can not get through to anyone Tried looking it up Looks like its a high interest personal loan company Would never be interested in a company like that Also called XXXX  The said there is nothing they can do Cant take my word for it Ive tried so hard to get my credit up and stay in good standing Had identity theft about 5/6 years ago with the IRS this makes me very nervous Please help
Consumer complaint received 2018-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I received a letter from the collections agency ERC dated XX/XX/2018 addressed to my address with an incorrect spelling of my name stating that I owe {$290.00} to XXXX XXXX XXXX. I have never had a XXXX XXXX XXXX account and do not owe this money. I do not want to contact this company directly for fear of them trying to get more information from me.