davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I was approved for an American Express ( Delta SkyMiles ) credit card. 

On XX/XX/XXXX, I received an email from this AmEx credit card offering a bonus miles promotion if I opened additional cards for family ( aged 13+ ). The online form to add a card member under did not ask for any info except for the name of the new card member. I only entered my son 's name. Other fields were all optional ( email, SSN, DOB ) so I did not provide any other information. ( See pdf screen shots. ) The card request was approved and I received the credit card for my teenager son in XX/XX/XXXX. 

Then I get a notice from my ex-husband that he has access to this new AmEx credit card. He can see the account on his XXXX  credit report. He knows the balance, due date and account info. Please note that I have been divorced for over 5 years. I have no credit cards with my ex-husband. Somehow AmEx accessed my personal information, violated my privacy, and breached security. 

When I called American Express, they transferred me to their AmEx credit bureau. On XX/XX/XXXX, I spoke with XXXX XXXX ( service rep from XXXX XXXX, XXXX ) who said he could not help me because it's not my credit report. That my ex-husband would have to call them.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (CA)

Hello, I am writing to complain about Experian 's online dispute center. I have disputed several items this month requesting Method of Verification along with validation and Original contract with signature to prove that some of the information in my report is in fact mine. However I've haven't received anything except status update online and typically without notice a decrees in my Fico. Is Experian supposed to provide me with how they verified these items and if so what they verified? ( example : Original signed contract, with description of debt ) When I request this via their online dispute portal I have received nothing back except a status at the conclusion of their investigation. 
Disputes resulting in no requested information being provided as requested : XX/XX/XXXX - Department of Veterans Affairs - Dates are not corresponding with delinquency and open date, no information provided from Experian on how they verified or what they verified. Remained on my report. 
XX/XX/XXXX - XXXX XXXX Bank -No information provided from Experian on how they verified or what they verified. 
XX/XX/XXXX, XXXX XXXX showing a balance date in 2020, after I requested method of verification and validation ; however this account was included in my 2015 bankruptcy, this erroneous reporting of errors are not being questioned by experian XXXX they are not providing method of verification or validation of the debt, I should not have an updated balance for this account. No information provided from Experian. Remained on my report. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX Experian provided no information on requested method of verification or validation. 

I am currently re-disputing items ( Online and now via certified mail ) I am trying to get more information on whats accurate in my report, there seems to be a lot of errors or misreporting. My information has been in several security breeches and recently my bank was drained by fraudulent charges so I am trying to verify everything is accurate on my report. I would like to know if Experian is required to provide the same due diligence they're supposed to provide when sending a certified letter or if the online dispute center doesn't abide by the same rules when disputing via certified mail.
Consumer complaint received 2020-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute errors on my credit report. I am unable to log into my online account to dispute the errors. I called TransUnion and they can't and won't verify over the phone because my employer listed is wrong as well as other information so I am basically verbally unverifiable and have to be done manually but no one is doing anything manually or electronic and I have written them letters -about 5 or 6 already about the wrong names and wrong addresses and collections and inquiries without any results. They just continue sending me credit reports and that is not what they should be doing. They should be investigating the issues that I have written to them about.
Consumer complaint received 2020-01-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Monterey Financial Services LLC (MI)

XX/XX/XXXX I had went to The XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, MI XXXX to purchase a Golden Retriever. After picking out my dog I was told the purchase price was around {$2500.00}. The attended explained that if I did not have the full amount I could purchase the dog using a monthly payment option. The attendant then obtained my information to attempt to qualify me. She then explained that I had been approved through XXXX XXXX. She then drew up paperwork and presented it to me for signing then informed me that I needed to also pay {$470.00}. The paperwork I signed included payments of {$220.00} for 27 months. I made 8 monthly payments totaling {$1600.00}. On XX/XX/XXXX, I contacted Monterey Financial to request a pay off amount and was told that if I paid {$2100.00} by XX/XX/XXXX my obligation would be satisfied. Later when researching options to pay the amount I discovered there were speculations that the operation may not  have been practicing fair lending. I have been told the company was being investigated and had been shut down. I have been manipulated into leasing my pet. I realize that if I paid out the full lease the total of payments is {$6100.00}. I have also been informed that after paying the full lease, I would still need to purchase the dog at a value they deem as fair market value. It was explained in the lease to be {$370.00} plus official fees and taxes related to the purchase. I have been aware that this company is based out of California which does not allow pet leasing. Also, it is now my understanding that Michigan has a Bill in the Senate waiting to be passed making pet leasing illegal. I do not want to lose my pet nor do I feel it is fair to pay this excessive amount. I am seeking your assistance in finding resolution to remove myself from this obligation. I do not feel that I should pay any further, but do not want my credit negatively affected.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXXXXXX XXXX XXXX - XX/XX/2020, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (TX)

On XX/XX/XXXX. I checked my credit report and saw there was a new collection on my XXXX report.I called the company 3 times and 2 times was hung up on. The 3rd time I ask the collector what address the validation notice was sent he stated did not have an address . I was informed that there where other debts of mine in there office and it was not reported to the credit bureau .He hung up on me . Texas has not reported any of my medical debt before I was told they do not. Violation of the FCRA and FDCPA for abusive behavior ..Continue to hang up and not try to resolve the issues..If they report to the credit bureau they must report all DEBT as of today the only report is for XXXX XXXX from XX/XX/XXXX the others have not been reported they can not pick and choose
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2019-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MIDFIRST BANK (OK)

I have been experiencing an unusually high rate of insufficient fees with MidFirst Bank in Oklahoma. I do acknowledge that I will be low on fund at times and utilize the overdraft protection service, however, when I began to closely monitor my account, I noticed a pattern that my debits were/are being rearranged in a way where it appears MidFirst could charge additional insufficient fees. When inquiring about this often, various representatives understood and reversed some of the insufficient charges ; others, like one this morning, was adamant the fault was my own. I have heard several different excuses from representatives : " it's out of the bank 's hands when a charge will go through '', " it's on the merchants when the charge will go through '', and " it can be confusing how the charges reflect and how the debits rearrange ''. Further, I had been told for years, since opening my account in XXXX, that if a deposit was made within 24 hours of a debit, no insufficient fee would occur. When I was charged a fee for a debit that incurred less than 24 hours before a deposit, the representative stated she'd never heard of that before. The rules, procedure and communication should be crystal clear and not waffle from week to week. I also found that in XX/XX/XXXX, without any notice at all, the MidFirst bank rate for insufficient fees went from {$32.00} to {$34.00}. Nothing should be confusing about my money being deducted out of my account. For this reason, I feel like MidFirst has unnecessarily taken hundreds of dollars in insufficient fees from my account. I will be transferring my funds to another bank soon, but wanted to advise the CFPB of what appears to be deceptive practices by MidFirst and/or its employees. 

Thank you,
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (DC)

XXXX XXXX are refusing to pay for the filing fee and other payment to JAMS regarding the six pending demand for arbitration. 

As a reasonable accommodation regarding the terms and conditions I'm seeking for XXXX XXXX to make all payments in good faith regarding the terms and conditions of the arbitration agreement. 

Pursuant to the terms and conditions of the arbitration agreement this is a written request for payment of the filing fee.
Consumer complaint received 2019-08-22
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. (OH)

Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) After speaking with a representative from XXXX XXXX, they still have my account at their office and this account has not been sold. I received a telephone call from a person named XXXX and the company that contacted me is - ICR. The telephone number is XXXX ext XXXX. This person XXXX claimed that the Build Card had been sold to their company XXXX - for collection and that I was to make a payment directly to them ( XXXX ) immediately or I would be served and then sued with wage garnishment. This is clearly a scam and for me to threatened with garnishment is unacceptable. This incorrect reporting of a charge-off is harming my XXXX XXXX and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (MD)

Hello! 
We opened a new checking, savings and money market account last week. We deposited a large sum of money. We have since been told we have no access to our funds and our accounts have been frozen. The banker XXXX said he made some sort of error and thus the result is we don't have access to our money. We are livid. We have bills coming due and our mortgage and we need our funds immediately. Please advise.
Consumer complaint received 2020-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Marine One Acceptance Corporation (TX)

Loan was paid off on XX/XX/2020 I received the clear title in the mail on XX/XX/2020 Marine One debited {$200.00} from my bank account on XX/XX/2020 I called them on XX/XX/2020, it took 3 calls before anyone would answer the ringing phone. Spoke to XXXX who said it was my responsibility to cancel their scheduled payments. Was not apologetic at all, after I said I didn't like her attitude and wanted a supervisor she changed her tune ( and tone of voice ). Said she would cancel any future payments. I still wanted to speak to her supervisor - after holding for 5 minutes XXXX got on the phone and basically said the same thing. It was our fault that we didn't cancel their autopayments. I ended up disputing the transaction with the bank and now I an reporting their poor business practices here. I don't see how you can do anything but I want to warn others to STAY AWAY from Marine One Corporation.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Others frauded my documents 50 states wide and for retailers store 's post data terminals Others frauded scams documents for sinage and building permits business Others frauded my documents as herds of inventory SKU number Others frauded my documents as church groups and pasters and preacher Others frauded my documents as schools and colleges and universities and teaching staff 50 states grocery store products using XXXX XXXX products 50 states dinner menus using XXXX XXXX 50 states semi trucks CDL license and semi truck business permits Frauding scams XXXX and XXXX XXXX and others dictionary companies Fraud scams using singers and bands and actors Frauding scams using attorney and lawyers and judges listings Fraud scams using XXXX XXXX Frauding scams using XXXX XXXX XXXX   permits and vice president Fraud scams using 179 locations of XXXX XXXX reaction and XXXX XXXX Fraud scams using XXXX XXXX   Frauding scams using XXXX XXXX XXXX Frauding scams using XXXX as politican listings Frauding scams using XXXX XXXX in Florida Fraud scams using XXXX XXXX Fraud scams using XXXX as insurance company workers Fraud scams using XXXX XXXX XXXX in Georgia State Frauding scams using XXXX XXXX XXXX XXXX Fraud scams using brand advertising for retailers store 's advertising frauding my documents my family 's serial numbered XXXX XXXX record Fraud scams using XXXX police Fraud scams using XXXX XXXX Fraud scams using building permits using XXXX Fraud scams using racing Frauding scams using my documents Frauding scams using XXXX XXXX   Fraud scams using XXXX XXXX XXXX  Fraud scams using XXXX XXXX in Florida Fraud scams using XXXX products
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I reported a lost card they said it would be close and I would receive a new card well while all that is right they never closed my lost card account and sont got my funds from the card and I dispute it and they never gave me my provisional credit like it stated I would receive if they were not done in ten business days
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (GA)

Ordered 2 pairs of XXXX XXXX tennis shoes on XXXX XXXX tried calling new balance asking where tennis shoes were XXXX after on hold for an hour filled out form on website asking where shoes were, they were not delivered. 

XXXX received email stating to items were shipped look at faq on site XXXX after no help from new bal filed dispute with discover card XXXX account was credited for XXXX in my favor XXXX balance was back on my card XXXX called discover and was told shoes were delivered there was nothing that thye could do. Stated again, I have never received and/or signed for any shoes. Was told that I would have to call XXXX to investigate non delivery and/or call police, makes no sense that this is my responsibility after almost 2 months
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My escrow account is showing payments for a lot higher than my taxes that were not made and did not pay my taxes for XXXX or XXXX. I brought this to their attention and they paid them. I requested they fix my escrow account and refund me for fees related to late payments. They referred to them as supplemental taxes and said I was responsibe for the fees and penalties. I sent them forms from the Tax appraisors office and the county tax site showing they were the only taxes and the only payments received by the tax office for my property. I have turned it over to my brother in law to speak to them on my behalf but would still like to file a complaint as I have been dealing with this since XXXX. 

I am attaching their records as well as mine. If they made payments, it was not on my taxes