davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy.

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.
Consumer complaint received 2023-06-04
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: Bread Financial Holdings, Inc. (CT)

Comenity Bank has been disclosing negative nonpublic personal consumer information to nonaffiliated third party consumer reporting agencies. I did not consent to this and was never provided with the option to opt out of this nonaffiliated third party reporting which I, as a consumer, have a right to do per 15 USC 6802. As such, I am requesting Comenity Bank cease their reporting of account XXXX to all consumer reporting agencies to include XXXX, XXXX, and XXXX, and that the account is removed permanently from all of my consumer reports with all consumer reporting agencies.
Consumer complaint received 2022-06-26
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: LEXISNEXIS (IN)

As of XX/XX/2022 XXXX has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company Lexis Nexis. 

I am aware that XXXX is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. Lexis Nexis is disclosing my non public personal information to the Credit Reporting Agencies XXXX XXXX XXXX Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by Lexis Nexis, XXXX, or XXXX. 

I am aware that XXXX, XXXX and Lexis Nexis may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.
Consumer complaint received 2022-06-26
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. (NC)

EQUIFAX Complaint- Inaccuracy and false reporting XXXX XXXX- {$3600.00} XXXX XXXX- {$2400.00} EQUIFAX is the only bureau reporting this false account information
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.
Consumer complaint received 2019-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

In XX/XX/XXXX of this year, I applied online for Conn 's account which was approved. I purchase washer and dryer. I paid cash for a mattress because by the time I went to store, I had to reapply. My credit limit was lower I paid for mattress. I selected washer and dryer from clearance center. I never receive any disclosure about interest. I was told it would be approximated $ XXXX/mo and I would be email receipt. I never receive the receipt but made multiple calls to complain washer did not work and mention I never go the receipt. About 3 weeks later, I made a trip to store and complained about not getting receipt. I was given I stack of papers in which I decided to read when I got home. To my dismay the interest rate was 29 %. and there was some sort of processing fee which was never disclosed. I have disputed this with Conns customer service because for one, my washer is still not working properly and I requested them to pick up the product because financing details were never disclosed. They stated the product would be auctioned and I would be responsible for balance. So here I am seeking justice from company ripping off consumers. To date I have refused to pay any additional money until this is resolve with reasonable interest rate
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

This is the second time I have tried to dispute inaccurate personal information on my report. I tried calling and I keep getting the automated system that dont give you an option to speak with a representative and then hangs up on you. This is a hinder to my credit and due to these inaccuracies it creates an identity issue if I wanted to apply for credit.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

Citi is not calculating my interest correctly. I switched my account to a " Citi Accelerate ' account with a ~2.4 %  interest rate. I live in XXXX and am eligible for this account per the representative i talked to in XX/XX/XXXX. For whatever reason since my account was open 15yrs ago in XXXX, I am not eligible for the higher rate.
Consumer complaint received 2019-04-24
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: NAVY FEDERAL CREDIT UNION (GA)

I ORIGINALLY DISPUTED THIS ITEM WITH XXXX  XX/XX/XXXX FOR NAVY FEDERAL CREDIT UNION IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. XXXX  DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR XXXX TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN  DELETED AND BLOCKED.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I am a victim of a natural/ declared disaster. I got this account removed from XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Please remove from remaining account. ( Equifax )
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (TN)

In XX/XX/2019, my mortgage account was acquired by XXXX XXXX from XXXX XXXX Beginning in XX/XX/2019 I began submitting loan payments to Southwest Stage Funding LLC ( dba XXXX XXXX ) under former XXXX XXXX number XXXX. In late XX/XX/2019, I submitted my XX/XX/XXXX payment as regularly scheduled. On XX/XX/2019, I submitted early XX/XX/XXXX payment. On or about XX/XX/XXXX, I received a mailed notice of late payments from XXXX while almost simultaneously receiving notice via email that my credit score had  changed. When I checked, XXXX had turned in late payment information that had been received by XXXX and XXXX, and my credit score that was +800 points had been reduced by 69 points. I called XXXX customer service at XXXX and was told that because of the difference in computer systems for loans from XXXX, and since it was during the time frame when my adjustable mortgage would see any adjustment in interest rates, along with the payment adjustment, my payments had been placed in " unapplied '' status, and unfortunately their automated reporting system had sent out erroneous late statements. I was told I should dispute the late payment reporting through the credit bureaus, which I did. Those are unresolved to date. However, I called back to customer service on or about XX/XX/XXXX to confirm that the problem had been resolved, but it hadn't. I was told that they were working on getting all of the problems resolved and that my loan would be resolved by COB and I received a call at approximately XXXX on XX/XX/XXXX that they had indeed resolved the issue and my payments had been appropriately applied. Then sometime between XXXX XXXX I received my XXXX monthly statement that reflected the adjustment to my payment, which I DO NOT dispute. What I dispute is that they tacked on " Unpaid Late Charge '' to my statement, which after calling customer service on or about XX/XX/2019 at XXXX, told me that my disputing the late charge would have to be escalated to a manager, and within seconds I was disconnected. No matter how large or small, I do not owe any " Unpaid Late Charge '' because they failed to properly credit my on time payments to my account when received.
Consumer complaint received 2022-02-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I own an Amex Platinum Card that promises certain benefits to induce you to pay a hefty annual fee. Among them is a XXXX XXXX XXXX membership. 
I have been trying since last XXXX, online and on the phone with Amex, to receive this benefit. Until today I have been unsuccessful and Amex always tells me it will be resolved in 5 days and then nothing happens. No resolution, no information. 
Every time you talk with a different person on the phone, are put on hold, get cut off, have to tell the same story multiple times and waste a lot of time. 
Amex should deliver the promised card benefits or refund my fee. 
Thanks for your help.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

Dear Madam/Sir, XX/XX/2021 I opened a checking account at Citi Bank XXXX My main goal was to get a bonus for opening and maintaining an account following rules set by Citi. My account is " blocked '' by Citi ( without any explanations for a reason for that ) and I can not close it and receive promised bonus and {$100.00} opening deposit. Please help. 

Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2020-10-10
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: Nelnet, Inc. (MA)

How are you doing? IT'S IMPOSSIBLE THAT THIS WAS INVESTIGATED - IT'S BEEN ALMOST 6 MONTHS AND XXXX  OR NELNET HAS IGNORED MY DISPUTE AND NEVER ANSWERED BACK. 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 Navient 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 2021-12-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX sold my mortgage account to another company called XXXX and I am on time with all of my payments. XXXX XXXX XXXX is no longer my account holder and I would like to get this off of my credit report but two credit bureaus are refusing to remove the information.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I purchased a cashier 's check that was not used for it's intended purpose. Instead of redepositing the check in my account they plan to reissue the check even though I did not give them permission and I have a negative balance at Bank of America. They refuse all transactions concerning my account. But somehow they feel that they have the power to reissue a cashier 's check.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

XX/XX/22 I am contacted 4-10 times a day with different numbers since this debt was reported on 5/22/22.Contacted Credit Management LP today XXXX resolve the reported debt. They informed me quote : '' Even if you pay the amount in full, we won't remove this from your credit. XXXX XXXX XXXX- who we represent, does not want us to remove the debt. Give your credit card number now so you can pay the amount in full. '' I've contacted XXXX XXXX XXXX, to ensure that when the amount is paid in full- they will remove my reported debt - to no avail : XXXX.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NY)

I dont feel its right I have a good relationship with Wells Fargo and decided to apply for the XXXX  card and I did and I was declined after I told them I have a fraud alert and the only reason is too many accounts opened 6 months this is ridiculous when I havent opened anything recently Im a good customer and I should be denied
Consumer complaint received 2019-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Today, XX/XX/2019, I was scammed of {$150.00} through XXXX. I tried to buy concert tickets and the person wanted payment through XXXX. I did not think anything bad of it, especially because I have sold tickets the same way. Her name is XXXX XXXX. Phone number XXXX ( XXXX ) XXXX-XXXX  and email XXXX XXXX
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I opened a Bank of America XXXX  XXXX credit card account in XX/XX/2018 and in my 1st month charged well over the {$1000.00} required to qualify for the bonus miles offered. Later that month there was a return that reduced my credit charge balance. Viewing my account online, it still showed more than {$1000.00} charged. I called Bank of America to confirm that my total charged was still above the minimum required. Their representative confirmed it. 

My XXXX online transaction record also showed my total charges were over the {$1000.00} minimum, but I did not receive the bonus miles reward. Still within the period to qualify, I called the bank again to check their record so I could make another charge if needed. I spoke with the bank 's credit card agents on 7 different calls to confirm that Bank of America showed - even with that return charge - that I had met the minimum needed to qualify for the bonus. On each of the 7 calls I was assured that I had qualified. 

After 6 months of calling, getting repeated apologies and promises from agents and from their managers, I was very surprised to receive a letter stating I did NOT qualify for the bonus reward. According to the bank my charges during the bonus period were just under the required {$1000.00} minimum. For over 5 months I was told something they now claim is not true. 

If Bank of America 's agents had not misled me, I could have easily made another small charge to ensure that I would receive this valuable mileage bonus. The bank 's misinformation or negligence cost me a loss of bonus mileage equivalent to at least {$500.00} in airfare. 

From my experience with Bank of America, I can only assume that their agents and managers are either poorly trained or are encouraged to deliberately mislead consumers.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have three credit card accounts with CitiBank. I have made several attempts to make payments beginning in XX/XX/2019. The first two attempts made were to pay my credit cards, in cash, inside the bank branch. The bank refuses to accept cash payments and required me to submit payment in other forms. 31 US code 5103 Legal Tender states " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts ''. I attempted to make a cash payment ( in {$20.00} bills, not coins ) to pay a debt and it was refused. Reluctantly, I went and PURCHASED a money order to make payment. When I arrived at the bank, I was told they could not make payments to my different accounts with 1 money order, the required each account to have a money order to be able to make payment. The bank manager offered to help me by opening an account so I could make a deposit to the account and divide the payments as needed. I opened the account and CitiBank placed a 5-day hold on the money order because it wasn't " cash ''. This later resulted in 3 NSF fees and late payments. The bank advised I could make a cash payment via the ATM with a special pin. I obtained a special pin and was able to make 2 payments since XXXX and no other successful payments subsequently via the atm ; the ATM provides an error code, which the bank says is not their issue to call card services. When I call card services, they say its an ATM issue and to enter the bank. I have been told by customer service over the phone their system shows I am trying to withdraw money, however, that is not the case. If i select deposit " check '' instead of cash, the ATM will function properly. It is only when I try to make a cash payment I receive errors, and now with no resolution for almost 4 months. The bank branch refuses to assist me and redirects me to the card service number because its " not their issue ''. I have been charged late fees and interest that I feel should not be charged as I have made more than reasonable attempts to make payment. I have spent numerous hours on the phone trying to find a solution. The only solution I am given is to pay via online, which I do not wish to do. To add insult to injury, I have received harassing calls regarding the past due status of my account.
Consumer complaint received 2023-05-28
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. (TN)

I did not authorize 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  please move this off my report thanks.