davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Travel is playing three-card monty with credits accrued because of COVID-interrupted travel in XXXX. They are denying travel insurance and creating artificial barriers to me redeeming trip credit incurred from cancelation of travel in XXXX. 

AMEX Travel has taken my money yet provided no service for it. 

I also feel AMEX membership policies are extortionate because I was told that to maintain these travel credits I had to continue to be a PAYING card member. This is unjust because I no longer wanted to be a member, but was financially obligated now to pay the smaller ( yet sizeable ) annual fee just to have the privilege of using my refunded travel. 

Their card-members travel portal is a scam, because if I had booked directly through the airline XXXX XXXX XXXX ) I would have received a full-cost universal voucher. 

In XX/XX/XXXX, I booked return flights for a wedding ( on my card in my name ) for my family from FL to XXXX, XXXX on XXXX XXXX during XX/XX/XXXX. Total cost was {$3100.00}. Because of travel advisories and restrictions issued by XXXX and XXXX ministries we chose to cancel our flights, ostensibly under the trip interruption/cancellation coverage as card members : " If you purchase a round trip entirely with your eligible Card on or after XX/XX/XXXX, and a covered reason cancels or interrupts your trip, Trip Cancellation and Interruption Insurance can help reimburse your non-refundable expenses purchased with the same eligible Card, up to {$10000.00} per trip and up to {$20000.00} per eligible Card per 12 consecutive month period. '' ( https : //global.americanexpress.com/card-benefits/detail/trip-cancel-interrupt-insurance, XX/XX/XXXX ). I was told by one 'supervisor ' a flight being cancelled because of federal travel restrictions isn't covered. Their best attempt at justification was " this is an unprecedented situation '' to which I replied, " yes, and that's why we buy travel insurance ''. 

I have tried 3 times over the past year to redeem these credits on XXXX XXXX flights and am told that they can not be redeemed except individually. I have asked to have the total credit, less than a new flight, applied to a trip for just my daughter and wife and they will not. 

I have attempted to speak with supervisors who place me on hold and seem to just wait me out because I have a business to run and family to spend time with, rather than sit on hold for HOURS at a time. I have also been told that AMEX TRAVEL supervisors don't have the ability to call people back. So I believe this is a tactic from a floundering company to not have to live up to their service agreements. I have also been told by AMEX Concierge that AMEX Travel will NOT give card members the phone number for insurance ... this too sounds like shady business practices
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. Equifax, XXXX, and XXXX have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 an account without my written instructions.

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.

The information is not accurate and I would like for it to be removed from my report, immediately.

I have attached supporting documents. Please review.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax, XXXX  and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with Equifax XXXX  and XXXX asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on XXXX  is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} Equifax also reports {$9000.00} and XXXX  reports {$9000.00}. The date of item removal on XXXX  is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act XXXX FCRA ) and hurt consumers as they wish.
Consumer complaint received 2023-01-09
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: Maximus Federal Services, Inc. (NJ)

XXXX XXXX XXXX XXXX have not XXXX XXXX with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / AIDVANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

I received a phone call this morning on my land line that I let roll over to my voice mail on my answering machine because I didn't recognize the number. The number showing was from XXXX, VA : XXXX. She said the call was from Transworld Systems , Inc., a debt collector company. She said to call XXXX XXXX (? XXXX XXXX at XXXX and gave me a code number to use : XXXX. Since then she is trying to reach me on my cell phone. I believe this is a scam, I am elderly and have no outstanding debts and have never had any. Can you very that this is a scam?
Consumer complaint received 2020-05-24
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

On multiple occasions, I have contacted FiFtH Third Bank and explained to them on the loan 's maturity date and that I have never missed a payment on the XXXX XXXX. I was told that they inherited the loan from the original loan agency that I purchased the vehicle from. Fifth Third Bank told me that forced placed insurance was added to the original loan and so that is why the loan was not paid off. I explained to them that I have always had my own insurance on the vehicle. They asked for proof from my insurance company and gave me an email to send the documentation. I emailed the statement from my insurance company that proved that I had insurance on the vehicle thus no forced placement was needed and the cost, fees, and any interest acrued should be removed from the loan. I have gone round and round talking to several different representatives yet there is no-follow up on their part and every time I explain this it appears I am explaining it for the first time and they tell me to send the documentation of which has already been done. I asked for a statement of all of my payments since the inception of the original loan and Fifth Third said they would send it three times yet I have not received this statement/documentation. One representative said, they would contact the original lien holder and get the statements from the start of the loan because First Third only had information starting in the fall of 2018 when they took over the loan. I am refusing to pay anything else as I have paid for the vehicle in full and have NEVER missed a payment. Again, I already had insurance through my personal vehicle insurance provider and proof was sent. Please help!!! Fifth Third Bank is running a SCAM and they keep giving me the run-around and refuse to provide me my title for the paid vehicle. I HAD NO KNOWLEDGE THAT FORCED PLACED INSURANCE WAS PLACED ON THE VEHICLE. THERE WAS NO LEGITIMATE REASON FOR THEM TO PLACE IT ON THE VEHICLE.
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (CA)

Payment is sent to company each month. They have not recorded payments sent then proceeded to charge late charges. I submitted my proof of payments, since XX/XX/2020 still awaiting adjustments. Also company requesting Automatic Withdraws or will charge fees. Also their invoices are hard to read and do not show balance or principle payment. I send more than initial payment but dont see overpaid to principal or balance. Is there standards or compliance procedures for consumer invoices?
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates, LLC contacted my father on XXXX about a debt I owe them for a XXXX XXXX. XXXX XXXX Credit Card balance. They disclosed in a letter my account number, the seller, the merchant, original creditor, who the debt is owed to, and my balance. This extends beyond the boundaries they are allowed to work within when contacting others about my debt.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (NE)

on XX/XX/21 I contacted Amsher to ask why they reported on my credit on XX/XX/21 a derogatory account. i was refered to another company and the rep stated she was not at able to discuss the account with me. I advised her that I wanted to dispute their reporting and she told me to call the other company. I made the payment with the other company in XXXX and Amsher should NEVER have reported since they were not reporting prior to me making the payment and now two months later they report, this is not correct.
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc. (AZ)

i am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

Since XXXX of 2020, I have been repeatedly called by Midland Credit from the numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. They are looking for my mother. I have told them that I am not her and to stop calling me.
Consumer complaint received 2019-06-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MoneyLion Inc. (CA)

I took a loan from Moneylion at the end of 2017, made the first repayment back to them, then had a financial hardship and wasn't able to continue my automatic payments. 
I moved around this time and submitted mail forwarding with the US post office. I have received no correspondence from them, including statements. Starting in XXXX of this year I was contacted by my estranged mother who I havent spoken with in years stating that she was contacted and advised by the representative that a " legal complaint had been filed against me by someone at my address ( proceeded to provide her with my address ) ''. I then received a voicemail from someone from " Location Services '' stating the same thing and that if I didnt call them back to " tell them my side of the story of the events that ocurred '' that they would " report my actions as intentional '' and take necessary action. I called them back and was supposedly transferred to a legal department where I was told I had 5 days to make an arrangement with them or they were going to take legal action and I would have to pay for their legal fees and additional penalties. They then contacted my father and told him this same story and I have reason to believe they have contacted other people associated with me. They are ruining my reputation and leading people to believe that I am in legal trouble. I am a single mother in financial services and this can cause me to lose my job if they get in contact with my employer regardless if their claim is true or not. I pulled up my credit report and they were not on there other than as an inquiry. I tried to reach out to the 2 contact numbers on there for moneylion. One of them was a fax and the other was a recording that's intention was to lead me to believe that my phone service had been interrupted. I need them to stop these threats and fear tactics, harrassment and ruining of my reputation. The number on which I was contacted on by " XXXX XXXX '' who left the voicemail with the accusation and threat was XXXX XXXX XXXX. That is also the number I called back and talked to the representative. When calling the number today it goes straight to voicemail and says it's the direct personal line of " XXXX XXXX ''. Please help. Thank you. 
*Update * I just went through old emails and found that the account was sold to XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX **Also note, I put my address as the one that they have for me, where I was when I opened the account and where they alleged the complaint was filed. I am not including my current address as I am afraid of what the company will do to me and the relationships affiliated with those and my current address should they get it.
Consumer complaint received 2024-01-27
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. (FL)

Looks like I am a victim from the XXXX XXXX XXXXXXXX. Just 2 days ago they pulled my credit without any authorization affecting my credit rating. I called them and questioned why they did that and received only excuses, that 'someone ' tried to open an account and was unsuccesful. The worst part is also that they refused to fix the problem with Experian leaving to me all the burden ti fix my credit. 

What I can do? 


Thanks.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX Cc : FTC XXXX XXXX
Consumer complaint received 2018-04-05
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. (GA)

In XX/XX/XXXX the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.
Consumer complaint received 2023-01-28
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. (LA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Background checks XXXX XXXX  XXXX
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I opened a new credit card account with my credit union. I then tried to transfer a balance from a Line of Credit over to the new credit card balance. The credit union 's system allowed me to do this, but they did not in fact transfer anything. The instead added to my LOC the amount of I tried to transfer. So essentially I tried to transfer a balance of {$650.00} from account to another. The Credit Union simply added {$650.00} ontop of the XXXX, so now I apparently owe them over {$1200.00}. When contacting the credit union all they would say is I messed up its my fault I did things wrong. Now, all my balances are messed up and the credit union will be stealing over {$650.00} from me once I pay that balance off.