davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

American Express charged me for additional cards on my account. On XXXX XXXX, I attempted to access my account to set limits for one of my additional card holders so they could use their card, and was unable to do so. 

I called American Express and they were also unable to set a limit which would allow me to actually use the card. They are also refusing to issue a refund for the fee that they charged me.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CO)

Today for a payment of XXXX that was PROCESSED on the XXXX. 
And the payment Today that processed YESTERDAY i apparently have to call XXXX  back TOMORROW to have them call XXXX XXXX so XXXX can tell XXXX  the money cleared. My available credit needs to be updated without having to make all these calls. They charge me fees for Trying to pay my bill ( i miss keyed something and was able to get chase on the line and verified and they still charged me even though they were able to take money out of my account that day ) the customer service agents are always rude and hang up.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2019-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc. (TN)

On XX/XX/2019 i sent a ACH payment revoke letter. On XX/XX/2019 they took a payment from my account without authorization. I am in the process of filing for bankruptcy and told them this. I am making payments to my attorney in order for us to file.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform. Hackers are now able to hack into multiple platforms and steal passwords and phone numbers and Venmo has not taken reasonable action against these activities. 

On XX/XX/XXXX my Venmo account was comprised and hacked. 
I was notified that someone was trying to sign in on my Venmo Account by an email alert. 
I logged into my venmo account to find out that someone had added XXXX additional accounts to steal money from me from my bank account or to defraud others. 

I was able to delete all of the accounts, however when I attempted to close the account, Venmo made it very difficult. 

The account is now open and the password appears to have been changed along with the phone number for the XXXX. 

When I reported this to Venmo, I was sent useless information having nothing to do with the fraud attempt. 

Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform
Consumer complaint received 2022-04-06
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)

Inquiry date XX/XX/21 - XXXX XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21- XXXX - DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXXT XXXXXXXX XXXX XXXX DID NOT AUTHORIZE Inquiry Date XX/XX/21 - XXXX Of XXXX - DID NOT AUTHORIZE Inquiry Date XXXX XXXX  XXXX - DID NOT AUTHORIZE
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

They rushed me into a settlement deal and I don't even know that they are a legitimate company. Each time they call they say you have only 24 hrs to complete this paperwork. Etc. Since being rushed into a settlement deal I have seen accusations of them being fraudulent on the internet and I just don't know how they rush me so much! I am in the middle of my work day and they are telling me this action needs to be completed today! I haven't had time to research the company to see if they are legit and I've already given them {$1000.00}. They want me to rush the last {$500.00} to them or they will tag on more fees... .Also I had mentioned to the lady that there was fraud on my account and that is what the debt is from. Is there a chance I am not responsible for the debt?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-10
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NC)

Revolving Citibank credit account in good standing was terminated by XXXX in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead XXXX deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the  mistake. However, XXXX refuses to correct the error or contact Citi. Citi says they are reporting the account as active but refuses to contact XXXX to clear it up.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2020-07-10
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide. Based on their lack of response in the time frame allotted and lack of investigation results they have not abide by the laws.
Consumer complaint received 2023-01-30
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. (OH)

As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX .... 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX .... 


XXXX XXXX XXXX .... 


XXXX XXXX XXXX XXXX .... 


XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-06
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. (NC)

I have sent a letter to XXXX, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from XXXX or transunion. Experian responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX  XXXX auto finance account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.
Consumer complaint received 2021-01-25
Product: Vehicle loan or lease — Lease
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I tried giving this company the benefit of the doubt, but they are still harassing me over a mistake that they made. I sent the bank showing that there was never a return to sender for insufficient funds on my account. They lied and said there was. Also their argument is that if they didn't receive the last payment of {$610.00} then I should've contacted them and sent it to them. I started to them on numerous phone calls that I never knew that they didn't take an automatic payment out of my account because I received my title and a letter stating that I fulfilled my settlement agreement with them. Instead of them recognizing that they made a mistake, they are persistent in making seem like I made the mistake. In reality, they are completely wrong for not taking the automatic payment from my account. I had well over {$2000.00} in my account the entire month of XXXX so it's not my fault they didn't take the automatic payment. I don't control how they take the payment out so therefore I'm not at fault for that. Instead of them realizing they were wrong and admit, they are calling me harassing me about owing them {$7000.00}. The amount of the entire loan. This is unfair business tactics and I shouldn't be subjected to this type of harrassment. In fact, it doesn't make any sense of my behalf to NOT make the very last payment on a settlement agreement. It makes no sense at all. Instead, they are trying to force me to agree to paying them {$7000.00} the remainder balance of the initial car loan. I feel they need to be reported to You and the XXXX for unfair and dishonest business tactics. I also wish you would subpoena them for the recorded phone conversations that they have on file, so that you can hear, what all was said.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this matter.
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

It's for XXXX XXXX for a XXXX Credit Card that's in my BoyFriend name and they keep calling my phone all day every day they called and left a very rude voicemail on my phone a Ms. XXXX her number is XXXX ext XXXX stated that he needed to have an attorney to call them the balance is only like {$100.00}, for one thing, it's against the law to call a consumer an leave a message on a cell phone I can sue them for that. I called back the number she told me to call and a guy answered and was very rude to me saying this a fortune 500 hundred company and they do not practice unlawful tactics I asked for a supervisor and he got very rude so I advised him that I would report them to the CFPB. I know my rights as a consumer once the supervisor got on the line she would not give me his name.
Consumer complaint received 2021-07-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am writing to dispute information that XXXX XXXX XXXX Credit Card supplied to XXXX, Equifax Information Services, LLC, and XXXX  XXXX XXXX. 

Retailer account at XXXX XXXX XXXX Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency. 

Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that XXXX XXXX  ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past. 

When XXXX XXXX  attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller. 

I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard. 

I am requesting that XXXX XXXX XXXX Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I requested my Annual Credit Report from the the 3 Credit Bureaus. 
XXXX and XXXX, properly complied with my request in accordance with the Law. 
However Equifax FAILED to do so... 
After several calls and requests to Equifax They still refused to comply with the current Law Stating on a written letter. 

" WE WERE UNABLE TO LOCATE A CREDIT FILE IN OUR DATABASE WITH THE IDENTIFICATION INFORMATION YOU PROVIDED '' This statement from Equifax is 100 % False, Deceitful, and intentionally done to Harass, Intimidate, and extort XXXX XXXX. ( since they have my information for more than 50 years ) Specially after we had exchanged correspondence, phone calls, and Equifax provided with my credit report as recently as of XX/XX/2021. # XXXX The reason I requested a second credit report on XX/XX/2021 is to verify that some of the errors on Equifax report that was misreported has been correct!!! 

Now the answer is : " WE ARE UNABLE TO LOCATE YOUR CREDIT FILE ''???
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NC)

I pay a hefty annual fee for the " benefits '' offered on my XXXX XXXX Amex card, notably the extended warranty offer. However when trying to utilize the feature, the company process does not even allow me to upload the docs they require, after hours on the phone and repeated calls to get resolution I am finally contacting you. I have been hung up on, told repeatedly to use a link that will not work, even told to upload to a 3rd party fax service putting my financial info at risk ( that did not work either ). They advertise these features for having the card with an annual fee, however when you go to use them they dont work and the support to help is pathetic, almost as if they want to discourage you from trying to use the feature.