davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (AL)

In XXXX of XXXX, I reported my XXXX XXXX American Express missing and asked for a replacement card. The annual fee for this card is {$590.00}. They never sent it. 
In XXXX I was billed again for {$590.00}, which I paid. They refuse to send my card. I've called repeatedly and as of XX/XX/XXXX, Ive asked for a refund, prorated back to XXXX of XXXX. 
They are refusing. I am a long time > 20 year Am Ex card holder and have had the XXXX Platinum Card for XXXX or 10 years. 
If this has happened to me I am certain that it has happened to others. When XXXX pays {$590.00} annual fee for the card, one shouldn't have to beg for the card. 
Please advise. 
Thank you, XXXX XXXX
Consumer complaint received 2019-03-12
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. (WA)

XX/XX/2012 a 30 day late XXXX XXXX XXXX was reported to my Credit Report do to an error on the part of XXXX XXXX XXXX XXXX. The Electric Bill was initially paid thru The XXXX   XXXX XXXX XXXX then turned over to me. The mail was not delivered to my Apartment by the complex 's front office until a payment was missed. I have contacted XXXX XXXX XXXX in XXXX XXXX were I was told to contact XXXX XXXX XXXX were they informed me that they no longer report to the credit bureaus on Payment History. At the point at which I received my billing statements, I made all payments properly and on time. This issue was do to an error not of my own and is not a representation on my commitment to maintain my personal credit.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (FL)

On XX/XX/XXXX I reached out to Albert to dispute charges from a company XXXX. I also reached out to the company to notify them of fraudulent charges. Albert denied my dispute. The company did an internal investigation and did find fraud in the card use and attempted to refund the card on XX/XX/XXXX. Albert denied the refunds. I then sent 2 pieces of evidence to Albert to reopen the dispute. These disputes were again denied and Albert asked I reach out to the merchant to refund a new card. The company sent me an email stating they could not refund a card not affiliated with an account and because I did not have an account the bank would need to take the proper procedures to help refund my money. Albert again denied this claim. On XX/XX/XXXX an email was forwarded to Albert from XXXX asking Albert to attempt chargebacks or dispute accordingly. The email went ignored by Albert. On XX/XX/XXXX I sent the exact same email via text to Albert and at this point Albert acknowledged and have claimed to attempt chargebacks. As of XX/XX/XXXX Albert will not credit my account and according to Pulsz Albert has not attempted any chargebacks. Albert has consistently shown negligence, is EXTREMELY slow to respond, does not give evidence to support their claims, and is in violation of multiple FDIC guidelines. I am asking my funds be returned to me right away and Albert be held accountable for their business practices.
Consumer complaint received 2019-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NC)

On XX/XX/2019 I made a payment to release a package I had to pay to customs. The total was $XXXX with the fee and everything the total was $XXXX. It was a transaction I made through Paypal and I was supposed to be paid a total of $XXXX. However I didn’t received anything and ended up losing $XXXX that I paid and the device that i sent.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I just found out that XXXX had a breach in XX/XX/2022 of all their about and when I went on my credit report it stated I have been breached and in the dark web and I noticed so far one account opened in my name with a balance of XXXX dollars I didnt open also there must be more because in a week my credit score went down XXXX points that is a lot of points for one week
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you regarding a concerning discrepancy in the reporting of my credit history by XXXX XXXX XXXX XXXX ( XXXX ) to Transunion, one of the major credit reporting agencies. My account number with XXXX is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681, the legislative intent emphasizes the necessity for accurate and fair credit reporting to ensure consumers are not unfairly penalized. It is evident that XXXX 's reporting of a late payment on my car loan does not align with the accurate reporting on my XXXX account. 

Per subsection b4 of 15 U.S. Code 1666, which pertains to the correction of billing errors, XXXX is obligated to ensure the accuracy of the information it reports. The discrepancy in reporting the late payment contradicts the accurate information present on my other credit agency reports, indicating a potential error or misrepresentation by XXXX. 

Furthermore, in accordance with 15 U.S. Code 6802, XXXX is required to provide consumers with the option to opt out of certain information reporting, including late payments on credit reports. However, I was never provided with an opt-out form by XXXX  as mandated by subsection b of 15 U.S. Code 6802. This failure to provide an opt-out option infringes upon my rights as a consumer to control the dissemination of personal information and to operate fairly in commerce. 

The inaccurate reporting of this late payment has adversely affected my ability to engage in various financial transactions, including obtaining mortgages and extensions of credit lines. This discrepancy has caused significant distress and constraint for myself and my family, impeding our ability to participate fully and fairly in the economic marketplace. 

In light of these violations and the resulting adverse effects on my financial well-being, I request that the Consumer Financial Protection Bureau XXXX this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also request that XXXX be held accountable for their failure to provide me with the necessary opt-out information as required by law. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure fair and accurate credit reporting practices are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

As well as having a Bank of America bank account for many years I also had a Bank of America XXXX XXXXXXXX XXXX XXXX  card for over 15 years. In that time I never missed a payment. In 2020 I decided to pay down that card to XXXX along with several other credit cards. I paid that card to a XXXX balance. Associated with that card was a {$50.00} a year fee. After having paid that credit card off to {$0.00} balance for many months I stopped looking at that account. The {$50.00} fee was levied in XXXX of 2020. I did not make any payments on that levied fee not knowing that he had been added to the {$0.00} balance of the card. I did not use this card for any purchases during this time. I did not become aware of the {$50.00} fee until I was being notified of a 2-month delinquency on the money levied to me as a fee by Bank of America XXXX They reported a delinquency on a very small amount of money that was 100 % a fee levied by them to me on a card that had a XXXX balance. This is after 15 years of never missing a payment and also having a checking account with them. I am seeking to have this delinquency mark on my credit removed but Bank of America will not entertain any goodwill removal. What can I do to have this delinquency, the only one on my credit report which was put there 100 % for a small fee levied once a year by the credit card company which I had neglected to notice after bringing the cadr to a XXXX balance and not having used it for any purchases or anything else for many months, removed?
Consumer complaint received 2024-02-27
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. (FL)

In accordance with the Fair Credit Reporting Act and XXXX XXXX.. Has violated my rights. 


1st. 15 U.S.C 1681 section 602 A. State that I have the right to privacy.

2nd. 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 permission without my written instruction 3rd. They have performed and investigation and state that the information in the report is accurate and it is not.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer Navient and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that Navient Reported me to the Credit Bureaus that my payment was 90 days late. Once i found this out I called Navient and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX, XXXX, and XXXX all still say that i was late 90 days on 2 separate Navient Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to Navient to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by Navient. And according to the CFPB Director XXXX XXXX so were millions of other Americans. That is why the CFPB sued Navient back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The XXXX XXXX ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I HAVE SENT TWO DISPUTES TO EQUIFAX WHICH THEY ARE NOT TAKING SERIOUSLY.  THEY AHVE BEEN ADVISED TO REMOVE XXXX XXXXXXXX XXXX XXXX XXXX IL FROM MY CREIDT REPORT, THEY HAVE BEEN TOLD TO REMOVE THE CONSUMER STATEMEWNT "INQUIRES ARE NOT MINE" THEY AHVE BEEN TOLD THAT THE LSITED INQUIRES ARE NOT MINE, THEY ARE FRAUD APPLICATIONS TO DELETE WHICH THEY HAVE FAILED TO INVESTIGATE UNDER THE FCRA REQUIREMENTS  INQURIES NOT MINE: EQUIFAX  MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-12
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. (TX)

Equifax ; XXXX and XXXX   are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2018-03-06
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: National Credit Adjusters, LLC (IL)

This is a fraudulent account that is being reported and in collections with National Credit Adjusters/NCA. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with NCA, in addition to disputing it with XXXX, XXXX  and XXXX.
Consumer complaint received 2019-03-12
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. (LA)

I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
XXXX XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, XXXX XXXX/XXXX
Consumer complaint received 2022-04-28
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: AMERICAN EXPRESS COMPANY (GA)

I made a purchase on XX/XX/XXXX for a XXXX it was a XXXX gift so the item wasnt able to be used until XXXX XXXX. The item never worked when we tried to crank it up and found out the chain latch was broken on it. I tried reaching out to the seller and they never responded or tried to repair it. I reached out to Amex and wad was never contacted me even though I reach out to speak to the person who was handling my claim to be able to send them a video of the item. They denied my claim saying merchant provided proof the item was under warranty until XXXX XXXX but what hood is a warranty of the merchant refused my calls or didnt honor the warranty
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

Im in the process of increasing my credit score so I hired XXXX XXXX and as a part of there service I get identity information on XX/XX/2021 I got information JP Morgan Chase pulled my credit of activity. So that day XX/XX/2021 I called JP Morgan Chase customer service and asked about this above information according to the XXXX department there wasnt any about myself or my credit.. very strange. On XX/XX/XXXX I received via mail a New checking account and debit card to activate. I called Chase in conclusion it was identity theft and the account was closed on XX/XX/2021 Im going to freeze XXXX credit files and contact XXXX law and my local police to file a report thank
Consumer complaint received 2020-11-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (MA)

Dear Nelnet Student Loan Servicers : How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2019-08-21
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. (OR)

I pulled my credit report onXX/XX/XXXX and found one incorrect item from Experian. A utility company in Texas sent a $XXXX debt to collections for a bill fromXX/XX/XXXX. I have lived and worked in Oregon since XX/XX/XXXX. I disputed the item on XX/XX/XXXX and this morning (XX/XX/XXXX) received a notification that the dispute was closed and the item would remain on my credit report. I never had the opportunity to upload documents or was even asked for my evidence. I called again to re-dispute the incorrect credit information on my lunch. I was told I could upload documents to show that I did not live in Texas. Things like a bank statement or pay stub for working in Oregon. Before I even got home (4 hours), it was closed again. I am frustrated. I should have the chance to submit my evidence. This is some sort of mistake and they aren't even evaluating my evidence or giving me the chance to submit it.Experian needs to let me submit my evidence. I am being proactive about my credit. Quit giving me the run around. What use is a dispute process if you don't accept evidence???
Consumer complaint received 2021-05-02
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. (CA)

on XX/XX/21 I sent a letter regarding false & inaccurate things on my credit report. It's going on 60 days since I wrote the bureaus and I still haven't heard anything back from them. I feel like the bureaus are ignoring me and not taking my complaint seriously. Section 611 ( a ) clearly states that a failure to investigate items in 30 days is grounds to immediately remove the items in question of the credit report. As it is now going on 60 days my item should be deleted promptly. I demand this account be deleted or I will file for litigation due to the hardship that this is causing 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 2019-08-21
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: Credence Resource Management, LLC (IL)

I disputed a error on my credit report with XXXX. A collection agency is attempting to collect a dept that is inaccurate. I was given a generic copy of a invoice with no information  on it other then, final balance due. I have no idea what the charges are for and cannot get a itemized bill. My final.bill with XXXX was paid. They now claim I owe over $3000 yet, cant send me a itemized bill. I never received the credits from my phone they were supposed to buy back from me.
Consumer complaint received 2022-04-28
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 (NV)

In XX/XX/XXXX I was the victim of identity theft. An unknown person or person ( s ) phished my information via email by fraudulent means. This email I received said it was from XXXX and that I needed to verify my identity with XXXX. This email turned out to be fake, however, my credit card information wtih XXXX was compromised and it was used to make purchases between XX/XX/XXXX and XX/XX/XXXX. I reported this to XXXX and to Capital One. Capital One reported a 30 day late mark onto my credit in XX/XX/XXXX even though these charges on my account were not mine and is refusing to remove the negative mark on my credit. I want this 30 day late removed from my credit report on all 3 bureaus immediately.