davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX of 2019 a late charge was access to my account with XXXX XXXX. I had automatic pay setup with XXXX XXXX  which was my Walmart card and they were brought out by Capital One Bank. No one notified me as to the fact of the change in companies. So my automatic pay was canceled through XXXX XXXX  and never picked up by Capital One. So at the end of the billing cycle I noticed it hadn't come out of my account so I called XXXX XXXX  and they transferred me to Capital One and explain to me that I would have to set up automatic pay through Capital One. So I did so and I explained to them that I needed that late payment taken off of my account. At that moment I paid the account balance off and they assured me that they would look into removing the late payment. I even put a dispute in through the XXXX XXXX app. I never was late on any payment and now that I'm trying to buy a house this is hindering me. Can you please help me to get this removed off of my credit history due to improper notification. Thank you
Consumer complaint received 2017-07-25
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. (MD)

Contacted XXXX, Experian and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX,2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and  was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2021-07-15
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 (CO)

Basically, this is a tandem scam carried out by XXXX and Discover, with the final assessment by XXXX 's team to blame Discover Card for failing to take the corrective action in a fraud case. I would file this as a dual charge if CFPB made it possible. 

With that said, the basic scam is a very common XXXX XXXX  scam, where a seller sends an empty package, or worthless object ( in my case an empty envelope/package ) and this trips the USPS postal system to show that " package was received ''. To the uninitiated, this should be a simple report back to XXXX/XXXX  to report this and that should resolve it. XXXX/XXXX  makes this difficult by making a mandatory waiting period, layers of bureaucratic automation, and forced time spent by the user to resolve the situation. It is my opinion that this is a core part of their business model, and I would assume there are some internals somewhere showing some chunk of their margins come from grinding some percentage of users until they give up on fraud reports. 

With that said, I used Discover Card to dispute the case, in order to avoid this hassle. But Discover went out of its way to also refuse to take even a modicum of common sense, and instead relied on its bureaucratic protocols, which once again stem from the fact that the scammer can show that the package arrived. 

Discover refuses to accept common-sense information, and even with XXXX sending emails that explicitly state that Discover card has wrongly classified my case as " item not received '' rather than their own bureaucratic classification of " item not as described '', it is very clear that after hours of explaining this to all parties by phone and messaging system that they hide behind their own internal procedural mechanisms in order to not once take very basic information into account.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies XXXX, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. XXXX XXXX and FICO
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

I have previously complained about this company. They initially said the debt was mine because I was not at the location to do my walk through at the apartment complex. I then had to submit another complaint and submit pictures of how clean the apartment was and multiple pictures of the lady who did my walk through with me. I was then told they would look into it and I haven't heard anything from them in over 2 months.
Consumer complaint received 2022-03-29
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WI)

Went to pay my bill XX/XX/2020 on the app approx 17 days early. The app said I needed to log into the website. I log into the website, and it states my account is closed. Had no clue why. I called synchrony in regards to my XXXX XXXX card. The guy that answered sounded like he was on a cell phone. I could not understand him. Called back again, gave my info and asked why my account was closed, he states he needs to transfer me to an account specialist. He didnt and transferred me right back to the beginning to start all over. I call back again, ask the person why is my account closed, I paid my bills every month, never been late for over 9 years. He said well I dont know how to put this, but your credit profile and that Im getting a letter in the mail. My credit score dropped a bunch of points because of them closing my account when I have 100 % payments on the account and my credit report. I didnt not ask for covid assistance or anything so to just close my account because its risky is not right and to damage peoples credit.
Consumer complaint received 2020-07-18
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My fifth third credit card account was not reporting correct information to the credit bureau I made multiple attempts to call into the credit card department I spoke to multiple supervisors no results then I get a message from the vice president on XX/XX/2020 name XXXX XXXX she left a voice message on my phone indicating to call her I made multiple attempts to reach out to her right after receiving the message with them two days I noticed my credit score has dropped I looked at the problem and it shows that the account is closed I tried to reach out to XXXX XXXX multiple times and receive no call back and no answers I have also called the credit card department explaining to customer service the situation no solution and no help so my credit score was not reporting correctly then she turns around and close the account can't reach her not getting any car back and now my credit score has been affected because of this ever since I open the account with Fifth Third business not been reporting correct information to the bureaus they are not reporting every month I have tried in multiple ways to get this problem fixed and I am the one that is getting affected by the situation even worse during the covid-19 improper handling and abuse of my account information being reported to all three credit Bureau missing information and different information dates amounts are different
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OR)

Corporate card payment remittance from employer to American Express was delayed to due internal payment processes outside of my control and resulted in assessment of fee. Attempt to resolve fee with card provider led to opening of case that was never resolved. Subsequently closed down account though card provider continued to compound fees for underlying charges that were already fully paid by employer over course of 5 months.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 604 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 2020-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

I have requested validation of several debts from XXXX XXXX XXXX that had been placed on my credit report by Mercantile Adjustment Bureau. The debts are erroneous and do not exist according to the staff at XXXX XXXX XXXX and XXXX XXXX XXXX, their parent company. All but one of the debts have been removed from my credit report due to failure to validate. Mercantile Adjustment Bureau forgot to remove one of the accounts ( {$84.00} ) and on XX/XX/XXXX I sent another letter requesting validation and for the negative account to be removed from my credit report. On XX/XX/XXXX I called and was told that they were " researching '' the account. On XX/XX/XXXX I called again and informed them that they had exceeded the 30-day window to provide validation for the account and it needed to be removed. The front-line representative gave me the runaround about how they were still researching the account. I asked to speak with a supervisor and was transferred to " XXXX ''. She was extremely rude and refused to look into the issue. She stated that all she could do was e-mail her research department. I requested to be cc 'd in on the e-mail, she agreed and hung up. As of this complaint I have received no communications from Mercantile Adjustment Bureau about this matter
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Upon checking my credit report with all 3 credit agencies. Found an open account with Kohls in my name. I never gave written permission to open the account. I have disputed this account with all 3 credit agencies and Kohls refuses to remove this account from my credit report.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (GA)

I was not able to make my first two installments due to account fraud. I let the company i financed a bed through, know this before my 90 day pay off was up, and i arranged a payment of {$100.00}, that one time, and then i let them know i'd try to pay off the balance, in installments, until i was caught up and i had it paid off. They agreed. ( i recorded the conversations with them as well ) The rep had an attitude from the start and she kept saying she only hit the submit button once but my phone starts dinging, from the online app, from my bank stating that i was over drafted. I saw that through the app American First Finance was sucking my account dry and way past the owed amount. Since a year ago, they have kept all of the XXXX dollars they stole out of my account and have gave me the run around about me getting my money back. To add salt to injury, they filed a collection on my credit and harassed me about money i no longer owed and they refused to send me a receipt since they over charged me. then the amount owed is supposedly accruing interest and is on my credit causing further damage.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

In accordance with NYS law, I am hereby notifying you of my intent to bring a lawsuit against you for violating FDCPA Violation and FCRA violations. My grievances are thus. I will be pursuing settlement through the court system. 

Over the past months, since I have notified your company of my grievance and requested an investigation. I have received no compensation or acknowledgment of my request. 

If you wish to settle this claim with me or my attorney, XXXX XXXX, I am open to discussion outside of the courts. Please contact me at mailing address. Thank you for your time.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Step 1 : What is this complaint about?

Confusing and misleading advertisements around offers and benefits of AMEX.

Step 2 : What type of problem are you having? AMEX is not providing a {$60.00} credit that I am owed by using one of their offers.

Step 3 : What happened? 
Amex offered me an incentive to spend {$50.00} with XXXX and receive a {$20.00} credit ( up to 3 xs ). I accepted the offer and made the following purchases : XXXX XXXX {$52.00}, XXXX XXXX, {$81.00}, and XX/XX/XXXX = {$79.00}. When I reached out to Amex about the credit, I was told that I would receive the credit on next month 's statement becasue although the offer was used with your account, it was not purchased with the card with my name on it. This is a deceptive practice as they advertise an offer in my account and are not transparent about the terms. Since my wife is an authorized account manager, and cardholder through my account and the billing is merged, this offer should be valid.

Step 4 : What company is this complaint about? American Express ( AMEX ) Step 5 : Who are the people involved? 
XXXX from Amex XXXX from Amex XXXX XXXX from Amex
Consumer complaint received 2024-02-21
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2024 Subject : CFPB to take off negative score. 
To : Credit Union Transunion XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802.

Thank you.
Consumer complaint received 2022-09-12
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. (GA)

To whom it may concern, I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous times. I demand he accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX-XXXXXXXXXXXXXX Account name : XXXX XXXX Account number : XXXX While checking my most recent credit report, I noticed credit result of identity theft, made by the following companies : XXXX XXXX XXXX Inquired on XX/XX/2021 Inquiries that I did not authorize did not authorize anyone employed by these companies to make any inquiry and they are view my credit report. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please complete this investigation, as per the Fair Credit Reporting Act. Please note that you have 30 days to complete this investigation per the Reporting Act section 611.
Consumer complaint received 2018-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (LA)

I ATTENDED XXXX XXXX IN XX/XX/2006. MY PRIVATE LOANS ARE NOW WITH A COLLECTION COMPANY. MY LOANS WENT FROM {$5000.00} TO OVER {$18000.00}. I BELIEVE I HAVE BEEN OVER CHARGED. I UNDERSTAND THAT ALL OF THE XXXX XXXX   COLLEGES HAVE CLOSED AND ARE BEING SUED. I'M CONCERNED BEING THAT I ONLY ATTENDED ONE SEMESTER THAT MY LOANS HAVE NOW WENT TO COLLECTIONS WITH AN OUTRAGEOUS BALANCE. MY LOAN WAS SENT TO XXXX, XXXX, AND XXXX. I DON'T EVEN HAVE A TRANSCRIPT TO TRANSFER ANY CLASSES IF I WERE TO ATTEND ANOTHER SCHOOL TO PERSUE THE SAME DEGREE.