davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I opened a XXXX credit card with American Express in XX/XX/2023, and spent a large sum of money to fulfill the requirement to receive the welcome reward. 

In XXXX, I realized that I did not have the reward miles in my account, so I called in. They told me that I had already opened and immediately closed the same card immediately before I opened the card, and therefore was ineligible for the promotion. The card they claimed I opened and closed was opened for one minute and had zero spending. I did not do this. It clearly was some kind of error on their back end or with their website. Why on earth would I open and immediately close a card just to open it again one minute later? 

I also had spoken with a representative to confirm that I am selecting the correct card and that I am eligible for the promotion prior to opening the card. I requested they pull the recordings of the call as I was informed it was being recorded. 

They told me they will investigate and follow up in 10 business days. I never received a response. Today, I called in to follow up. They said the investigation concluded and they will not honor the welcome offer, but they refused to provide me any details of what they investigated. After a lot of prodding and being put on hold all morning, they said they will redo the investigation and I will hear back in 10 days. It reeks of Deja vu.
Consumer complaint received 2022-08-10
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. (GA)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AK)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-06-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XXXX XXXX XXXX I received a phone call from XXXX XXXX, demanding a payment of {$1000.00}. After my surprise I started asking questions, and I realized that this was a collection office, because they only identified themselves as XXXX XXXX. They said that they partner with Toyota. I have already file a complaint against XXXX. When I called Toyota right after I got off the phone with XXXX, I wanted to find out why I was never informed I have a balance.From customer service I got transferred to a different department. I was told that Toyota has no longer have access to the information I needed to hear. All questions should be addressed to XXXX. I explained that XXXX told me to contact them. After the initial call I contacted Toyota two times the same day and nobody could gave me an explanation. I asked to speak to a supervisor, somebody that could listen to me. I was told that the supervisor was going to say the same to contact XXXX. In other words I was denied to speak with a supervisor The last correspondent I received from Toyota was on XXXX XXXX XXXX. Will attached letter. On my third call to XXXX the same day I was told that it was a deductible from my car. insurance. On my first accident in XXXX, I have same model, same insurance coverage, with Toyota. The car was reported as a total loss, I did n't pay deductible because it was a total loss. In this case the car was a total loss too, I had the same insurance coverage but I have to pay deductible this time. Why?
Consumer complaint received 2017-06-19
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. (FL)

I am filing this request because Transunion as ignored my request to provide me with the documents that their company as on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MN)

Credit,, they report I have numerous Alias names which is not correct. I have never ever submitted an alias name from my name I 've always used my one and only name I was born with that is all. I have received mail with wrong spellings and wrong names but I have never ever ever tried to use an alias never have never will it wo n't happen but yet when companies look at my background it looks like I 've been using many aliases and it looks like nefarious scandalous activities. I want that information to be correcting it taken off
Consumer complaint received 2018-01-16
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. (NJ)

Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

We have a Chase Sapphire Reserve XXXX. We always pay in full every month. We pay {$550.00} per year for this card. We are currently in XXXX for 90 days on a XXXX XXXX. We have no cell service and limited XXXX. We tried to purchase a tour on our card and it was denied. So we paid cash. We had used the card to purchase the cruise months ago and also XXXX tours through XXXX XXXX. Chase does not require you to file a travel plan. When we got XXXX they sent us an email asking if we had attempted to use our card for the tour or was it fraudulent. We replied it was us. They went ahead and cancelled our card even though there was no fraud. Here we are now stuck in XXXX with no cc or way to get new cards. They mailed new cards to our US address!!! We called twice and got no where. We have consistently emailed Chase requesting they reinstate our card at least till we return home in XXXX. We have begged and pleaded. We feel there us no customer service or u understanding of our particular situation. They have lost nothing. We have lost everything. No one is willing to help us. They cant ship new cards to a XXXX XXXX XXXX XXXX!! Many ports we are only at one day. We have asked to XXXX to upper management but to no avail. The new cards will sit in a mailbox. We have no new numbers, expiration date or PIN numbers. What about our automatic payments!!!! Its really absurd. We feel like XXXX XXXX  citizens and totally disrespected. We need help from someone who gets this situation. XXXXXXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (FL)

Milestone credit card, owned by XXXX XXXX XXXX XXXX, charged me an annual fee which was not disclosed to me. I only used this credit card when trying to rebuild my credit and CLOSED the account in XXXX. Obviously they never closed the account, charged me the annual fee then reported a 30 day late payment on my credit report which dropped my credit score by XXXX points! 

To try to work this out I even wen to their website and make the payment and it is not even operational! You can not charge someone illegally, not even give them an option to pay THEN report them deliquent on their credit report! 

This is unacceptable and ILLEGAL!!!
Consumer complaint received 2019-10-29
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. (LA)

On XX/XX/XXXX, I verified with all three reporting agencies my address, name, and that this XXXX XXXX was NOT mine. Transunion removed it on my XX/XX/XXXX credit report as well as 3 closed accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX because they were all paid off at 100 % in good standing. I sent copies of the payoffs and even my lease showing that the XXXX account was at a location at which I never lived. I was also a victim of the XXXX data breach. All of these things have been verified over and over. I am literally losing my patience.
Consumer complaint received 2017-06-19
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. (FL)

I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.
Consumer complaint received 2017-06-19
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. (CA)

My dispute is in reference to a collection account that has been placed on my Transunion, XXXX and XXXX credit bureau reports. The account I am disputing is XXXX XXXX, a collection account for {$700.00}. ( The original creditor is noted as XXXX XXXX XXXX. ) I have no record of opening any credit card account with XXXX XXXX XXXX, and am disputing this account as inaccurate/not my responsibility.
Consumer complaint received 2017-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

My name is  XXXX   XXXX , I am trying to get in contact with somebody at the Settlement Division or Consumer Financial Protection Bureau to see if you can help me in the following matter. Consumer Financial Protection Burea u, Ally Auto Finance Settlement and U.S D epartment of Justice sent a letter with a checkwith the amount of {$520.00} because I was identified as eligible to receive this money from a settlement between the Consumer Financial Protection Bureau, th e U.S Department of Justice, Ally Financial Inc. and Ally Bank over allegations  of discrimination in auto financing between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX . In the letter said that this amount was determined by the Consumer Financial Protection Bureau a nd U.S Departm ent of Justice. Until today I have not been able to deposit this check because it was sent to a wrong address and by the time I got the check itwas already expired. I have called the phone number that is in the letter so many times with no results because I do not have a specific extension that they ask for. I have called the Consumer Financial Protection Bureau and the representative told me to write an email to Ally Auto Finance to see if I can resolve my problem. I wrote the email on  XXXX   XXXX ,  XXXX  and I have been waiting for a response since then with no answer until today  XXXX   XXXX ,  XXXX . I need that whoever is in charge of this matter get in contact with me so another check can be sent to me. I am going to attach a copy of the letter with the check that I receivedand I am going to provide my updated address.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  FL  ,   XXXX   XXXX
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX of 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (FL)

On XXXXXXXX XXXX XXXX XXXX 2022 and numerous times before that I have tried to call this collection company to get valid proof of this debt. Not only did they never answer my calls, but they never sent me a bill and by Regulation F standards this is unlawful and should be removed from my credit report. I have disputed this numerous times with the credit reporting agencies and they always say the debt is valid but never provide any written proof to ownership. The name of the company is rent recovery solutions in XXXX georgia. Please help as I have tried to have this removed.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

I literally gave every single law that was violated and broken according to their books UCC USC and blacks law dictionary yet you all say that no violations were noted which is a lie because I can prove no investigation was done period According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT 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 XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX has violated my rights. 

42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law Or should I send the entire 7 books that prove these companies are in full violation and now this company as well due to the fact that you never did an investigation at all.
Consumer complaint received 2017-06-19
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. (FL)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX  XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : IndividuaXXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX and I 'm reaching out because of my credit that is flagged with the credit bureaus from XXXX. I have switched to XXXX XXXX XXXX XXXX for a prepaid no-contract phone service only with XXXX and paid my first bill on XXXX XXXX XXXX and then I have switched to XXXX on XXXX XXXX XXXX after I have paid the month of service which is XXXX. Therefore, XXXX tried to bill me for a month that I did not have phone service for, instead I 've had phone service with XXXX. I have uploaded two pdf documents one is the bill summary from XXXX and the second one is the receipt from XXXX when I 've switched. 
Please feel free to reach out for any questions or concerns. 
Thanks. 

Best, XXXX