davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX XXXX I purchased a car with my American Express serve card. By Thursday XXXX XXXX the car dealer took the car back because the car was very broken. They advises me there associate took the American Express by accident he was new and did not know they did not take it. The dealer advises to place a dispute in the charge and they would approve it and Amex would give me the money back. Since then no one at Amex can answer a question, they continue to extend the time for the dispute. The car dealer approved the reversal on XX/XX/XXXX and I am attaching said letter. No one at Amex can explain why you money is still not returned and refuse to help in any way. I have been hung up on, lied too, and still do not have my XXXX back. No one has a answer as to why they just say the dispute team is looking into it but never let me talk to someone handling the actual dispute. They give me nee dates further and further out each time, but zero answers.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Venmo had my account open and told me I could use my money or transfer it when it cleared. The minute I went to transfer the balance out into my bank account, they blocked my account and said I breached the terms. They blocked the account and I cant use my barcode or send the money, and there is no customer service. This company is owned by PayPal, and they too steal the money when I make an invoice for my single member llc service I offer, and they hold it for a minimum of 3 weeks. One time they made me wait a month for {$2000.00}, and then they said that it would require an additional one month for processing. I called the client and he said the money cleared the same day he paid me. PayPal then has lendio send you offers for financing, so they can charge you interest to get the money they legally are supposed to send within a few days. Every single time I send them a chat request for support, I get a lendio message right afterward. PayPal and Venmo are extremely unscrupulous, and I believe this is conversion, which is a felony and fraud and deceipt. I recommend a fine of XXXX XXXX dollars, as this amount will hardly even scuff their shoes.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Both TransUnion and XXXX  are refusing to update my credit data which would reduce my DTI to 29 % and increase my Score to XXXX. 

I know this for certain, because Experian has my data updated and my DTI is 29 % and my score is XXXX. 

Finally CFPB should take a close look at the fact that TransUnion sells XXXX credit cards to people with low scores and has incentive to misreport DTI and resulting scores to keep consumers in the XXXX  market.
Consumer complaint received 2021-07-19
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. (AL)

There are numerous amounts of inquiries that I did not authorize on my credit report including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

Firstmark is reporting a balance and past due amount & collection account status every month for an account that was included in bankruptcy in XX/XX/2019 & discharged on XX/XX/2019. I have disputed multiple times, and to date the account has been removed from the other bureaus but still remains on XXXX. The account should have been updated on all of my credit reports to show a XXXX balance when I filed bankruptcy & then should have stopped reporting collection account status & a past due balance. No further activity should be reported on the account after that. 

I do not agree that I owe this debt & nothing in this correspondence is an acknowledgement of any debt.
Consumer complaint received 2020-05-19
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)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX   XXXX {$450.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX  XXXX {$950.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Expedite Financial, Inc (TX)

I purchased a Tv from XXXX and agreed to pay it off in 3 years making regular monthly payments of XXXX a month. I made multiple payments a month and laud my tv off in a year and XXXX reported i missed 9 months of payments and was delinquent. So instead of my credit score getting better for making multiple payments a month and laying it off early my credit was ruined. They finally corrected it after me reporting them to multiple credit reporting agencies on XX/XX/XXXX and then on XX/XX/XXXX a full months after I paid off the tv in full they reported my account delinquent of 120 days again and my credit score once again took a hit. They are negligent with there credit reporting and could careless that they are hurting customers credit. I have never missed any payment but now because of there bad reporting I am having issues getting a approved for a home loan, if this isnt resolved I will seeking legal actions for damage this company has done to my credit score and for the mental pain and suffering Ive had to endure because of there negligence.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

Hi, this is a continuing problem that will happen every time I try to do it. 
I have an account with td bank. I was able to access the XXXX XXXX thru td 's online banking as that is what they offer. At some point XXXX flagged us for something and froze our account. We can therefore not send or receive money using XXXX. 
We do not know why we were flagged. Td bank can't tell us as XXXX is the one that flagged us. XXXX won't talk to us because we have the service thru a bank. Sooooo ... ... here we are. We have no access to XXXX with no way to find out why, let alone fix this problem. I would like to be able to use XXXX. It's a big part of online banking.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NV)

Received credit card statement first week of XX/XX/XXXX noting an annual {$99.00} fee posted on XX/XX/XXXX. I canceled the credit card and requested the reversal of the fee approximately XX/XX/XXXX. Barclays Bank of Deleware gives a 45 day period to request cancelation of fee. A notice dated XX/XX/XXXX was received that the account was closed but the {$99.00} fee remained.
Consumer complaint received 2020-05-19
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. (FL)

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud on my credit report. The creditors said that they had notified Experian of this and it is Experian who should make these changes by removing the inquiries. 

XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

XX/XX/XXXX Called Target and spoke to representative for an hour on the phone disputing late payments reported on my account. He admitted their system had a glitch and he would reverse my late payments fees and he said he would update the correct info with all credit bureaus. He also updated my new address. He told me everything should be updated on my credit report by XX/XX/XXXX. The reference number for our call was # XXXX The inaccurate late payment dates were reported XX/XX/XXXX XX/XX/XXXX The late fee payments were credited back to my account but the late payment history still shows on my credit report. They refuse to remove inaccuracies on my account. 

Ive called Target XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they refuse to resolve the issue.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

This is a complaint from XXXX XXXX against Enhanced Recovery for Enhanced Recoverys failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Enhanced Recovery with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2024-01-29
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. (TX)

I am resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- EXPERIAN : 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 In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax  ; XXXX and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

In XX/XX/XXXX I contacted Wells Fargo to pay my mortgage ahead. I asked the CSR if I could make a payment over the phone to satisfy my mortgage payments through XXXX, with the next payment being due XX/XX/XXXX. She said yes and told me the amount I would need to pay ( {$4700.00} ). I gave her my routing and account number and she debited the payment from my checking account on XX/XX/XXXX. XX/XX/XXXX I received a letter from Wells Fargo stating my loan was past due. I called them and advised them of the payment I made in XXXX to satisfy the bills through the end of the year. The representative I spoke with said she sees the loan should be paid through the end of the year, but the previous agent applied the payment incorrectly. She said she would make the adjustment and open a case to remove the incorrect information they sent to the credit bureaus. Approximately one week later I checked my credit reports and saw it had been corrected. XX/XX/XXXX Wells Fargo again reported incorrect information to the credit bureaus. I disputed the information through the credit bureaus and contacted Wells Fargo. XX/XX/XXXX I spoke with a CSR who said Wells Fargo recently sent a letter to the credit bureaus stating the information they previously reported was correct, but she could see that my account was actually current and not past due, nor had I ever missed any payments in the past. The letter Wells Fargo sent to the credit bureaus was untrue. Wells Fargo has yet to correct their repeated error.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I paid off my mortgage to Dovenmuehle on XX/XX/XXXX. They recorded receipt of the payoff on XX/XX/XXXX. There is a {$7700.00} overpayment that was applied to escrow. As of XX/XX/XXXX I have still not received a check. I have called them at least 12 times over this time period and have been advised a check was coming either right away or after a prolonged delay. The person and story is different each time and every call takes over 30 minutes on hold to talk to someone. Most calls last 2 hours. It's almost 4 months and no check.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

Citibank reduced my Available Credit Limit from {$12000.00} to {$4000.00} although I have current low utilization, pay on time and been a good standing customer for years. I made a payment for {$8100.00} on XX/XX/2023 resulting in a XXXX balance. Then they reduce by balance by {$8000.00}, it's abuse of power and taking advantage of customers after they pay their bills and handle the credit facility properly. By reducing my available credit limit it immediately has negative impacts to my credit score ; my utilization, for Citi Card, now significantly increased from less than 15 % to now more than 50 % directly attributed to Citi reducing my credit limit by more than {$8000.00}. These credit card companies receive your payments, then just decrease for credit limit, without any reason or justification, which then has an immediate negative impact on your credit score directly attributed to increased utilization directly created by the credit card company decreasing for limit and not increased outstanding balance. These credit card companies abuse their financial power and just cut credit limits without any justification which then has immediate negative impacts to the customer without. Pure abuse of power and financial leverage
Consumer complaint received 2020-09-22
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. (TN)

I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX that are reporting incorrectly, as well as several inquiries.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX I am writing to file a formal complaint against all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, for their unauthorized and unethical handling of my personal information. 

This complaint is based on several serious violations : XXXX. **Failure to Provide Opt-Out Information : ** I have never received monthly options to opt out of data sharing from any of these agencies, despite legal requirements to provide such options. 
XXXX. **Lack of Express Written Consent : ** None of these agencies have obtained my express written consent to collect or disseminate my personal information. 
XXXX. **Misrepresentation of Opt-Out Rights : ** I was falsely informed by these agencies that I am not allowed to opt out of their services, a clear misrepresentation and fraudulent practice. 
XXXX. XXXX*Illegal Profit from Personal Data : ** My personal information has been transmitted illegally by these agencies to third parties for their own profit, from which I have derived no benefit. This action constitutes a violation of the Privacy Act of 1974, which protects against unauthorized disclosure of personal information. 

These practices breach the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, and demonstrate a blatant disregard for my rights and safety, potentially exposing me to identity theft and financial fraud. The systemic failure of these agencies to uphold privacy and integrity of consumer data is alarming. 

I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these flagrant violations and enforce strict penalties to prevent further misconduct. It is critical that decisive actions are taken to ensure these agencies comply with all applicable laws and respect consumer rights. 

IN ADDITION, THE LAW CLEARLY STATES IT IS ILLEGAL TO REPORT TRANSACTION HISTORY - HOW IS ANY AMOUNT REFLECTED ON MY BALANCE? 

I look forward to your prompt response and resolution of this matter. Please contact me at the details provided above if further information or documentation is required. 

Thank you for your immediate attention to this critical issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-29
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. (TX)

These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (CO)

On XX/XX/XXXX I filed a police report. I submitted this with also my drivers license and social security card as well as my statement. They have failed to remove this fraudulent accounts as the say my police report doesnt meet their internal policy. I asked what is the policy so I can have the police correct this issue and they will not disclose this to me. I have tried sooo many times to have these things resolved and they are failing to help me. If the government says I was victim of identity theft how is the credit Bureau refusing to help