davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I received my replacement card on XX/XX/2020. I made a online purchase early morning on XX/XX/XXXX around XXXXXXXX for a phone bill which successfully went through. I than went to try to make and I store purchase around XXXXXXXX XXXX the same day and my card continued to decline. I called multiple representatives to try to understand the issue. I spoke with 2 representatives and a supervisor. The supervisor let me know there was a block on my account because I need to validate it. When I asked why she said it was for reasons she didnt know. I asked if I could speak to someone who would and she refused. She said the only way to remove the restrictions was to fax my Id, proof of residency and my ssc. I was not comfortable doing so since I was just sent a new replacement card and spoke with cardholder services all week, let alone the supervisor couldnt explain why the restricted my account in the first place. I asked for anyone from another department or Human Resources and she refused : stating that she will not give out anyones contact others than her own. Now the government assistance money on my card is unable to be accessed while I have a XXXX year old child whom I have to care for with my assistant and I am XXXX XXXX XXXX I can not do much without the use of my government funds and they are being held for reasons unknown.
Consumer complaint received 2020-11-19
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. (NJ)

I had an identity theft issue a few years ago. I have alerts on all my credit report and have had freezes on my credit reports. This has been an ongoing nightmare. Someone opened an account with XXXX  XXXX through my name. I contacted them years and going forward that this is an identity theft issue and the charges are unauthorized. They have refused to remove from my credit report on top of doubling the debt with fees and interest. The account is now in collections under the second collection agency to try to harass me for this debt that is not mine. The company that now has the debt is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. 

They have called, sent letter and now keep ruining my credit with their collection account. I need this account removed as per the fair credit reporting act, they are not allowed to report inaccurate accounts that have been reported to FTC and police as identity theft
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

I am writing today in regards to my account with American Honda Account # XXXX I am writing in regards to a 60 day late reporting in XX/XX/2020. My concern is how can an account be 60 days late without ever being 30 days late first. in XX/XX/2020 it reports on time payments. This means inaccurate data is reporting.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report and noticed that I have been a victim of identity theft. I found that my personal information on my report was incorrect on Experian Report number XXXX This has been hindering me from making a car purchase. Please remove the incorrect information from my credit report as soon as possible.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

I have been having trouble viewing my information on Experian for the past few days. When logging into the website, I get an error message stating the password is incorrect. After changing it then logging in a few days later with the new password I get the error message again. I'm unable to get in touch with anyone from customer service and hearing that other consumers are having the same issue, I'm beginning to think Experian has been hacked. I appreciate you looking into this matter. 

Thank you
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

Our Mortgage was recently sold to AmeriHome Mortgage Company , LLC ( " AmeriHome '' ). We remit payment for our homeowners insurance through our monthly mortgage payment which is held in escrow and then used to pay our annual insurance premium. Our insurance company XXXX XXXX XXXX has sent multiple bills to AmeriHome and AmeriHome has failed to remit payment on our behalf for the annual insurance premium. 

Both we and our insurance provider have called AmeriHome nearly a dozen times to try to resolve the problem without success. Nearly each time we place a call to AmeriHome, the wait time is greater than an hour to speak with a representative.

On at least two occasions, the AmeriHome representative has assured that payment would be remitted to XXXX with overnight delivery, however, AmeriHome has yet to remit the payment from our escrow account to date. This issue has persisted for greater than 2 months.

On three occasions, we have requested to speak to a supervisor and the respective AmeriHome representative states they are unable to transfer the call, but assure a supervisor will call back ; no supervisor has ever returned a call. 

Ironically, AmeriHome has sent at least 2 letters to us notifying that our homeowners insurance policy is at risk for lapsing, which has been entirely caused by their incompetence and failure to remit payment.

We have timely made mortgage and escrow payments each month, even paying greater than the minimum amount each month. AmeriHome has willfully failed to remit payment from our escrow account for our annual insurance premium. They have had written notice from the insurance company, and both we and the insurance company have put them on notice via phone communication on multiple occasions. AmeriHome has failed to take any action to resolve the issue.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am very responsible with my credit, I have XXXX worth of it I pay my credit off every month I use sometimes more and sometimes less, but always use it and always pay it off, I make 3 or 4 payments a month on a average to make sure its fully paid.experian has been quite harassing, to the point of closing accounts on my credit report that were clearly open, I get a email telling me congratulations on a 8 month streak of paying off your accounts in full, I check and they dropped my score another 10 points, I am a XXXX American conservative and feel as if I've been intentionally discriminated against, my score has gone from a XXXX to XXXX for paying my accounts off every month and making multiple payments a month on these accounts.i have spoke to my lawyer and may possibly file a separate lawsuit, this is un-American XXXX is my experian customer account number
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

They have blocked access to my {$600.00} stimulus funds I am receiving errors on Money Network automated system and online account which blocks me from obtaining my {$600.00} stimulus money. I have called 8 times and each time the issue is unresolved. I have been told each time a supervisor will call back in 24 hours, but I have never received a call back. I have tried multiple times to transfer money in my account and it errors out and the agent says my bank refused this electronic transfer, however my bank has no record of any bank transfer Ever being attempted. I have verified the bank account number and routing number and it is correct. I just want my money. I have spent over 8 hours on hold for these many calls. At one point I also asked for a check, however the online account shows no evidence of this and you are unable to request a check online. And as far as ATMS, I am XXXX and would only be able to drive up to an ATM, however every ATM in there network is inside a store where for health reasons I can not go. I find there ATM network discriminatory and there customer service severely lacking. Please help me obtain my money. I am highly suspicious that this is purposefully done as to be able to hold on to your money as long as they can ... This is an impossible situation That I am unequipped to resolve.
Consumer complaint received 2023-01-29
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. (OK)

Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and Transunion twice now just says they verified the account information. It is not me and i want this fraud removed ASAP
Consumer complaint received 2023-01-29
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. (TX)

I am requesting XXXX, Equifax, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX  Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Account Systems of Omaha, LLC (NE)

On XX/XX/XXXX, National Account Systems placed a collection account on my credit file. National Account Systems failed to notify me of this debt and my right to dispute/validate the debt. On XX/XX/XXXX, I disputed this debt and requested validation with written notice. In this letter, I also notified them of their violation of the FDCPA, FCRA, and the Texas Finance Code. I did not receive a response. 

On XX/XX/XXXX, I sent another written notice advising them they were still in violation of the FDCPA, FCRA, and now the Bankruptcy protections that prohibit ANY form of debt collection to include credit reporting which is a form of debt collection during the bankruptcy stay. This request was also ignored. 

Over a year later, NAS continues to report this invalid debt to my credit file with the status that it is included in bankruptcy ; however, the bankruptcy courts have this debt as " disputed '' because they failed to validate the debt when requested.
Consumer complaint received 2023-02-02
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: CITIBANK, N.A. (VA)

CitiBank Still Uses Old Verification Method Through Mail Which Is Mind Blowing That A Bank So Large Own Real Estate Stadiums And Other Businesses, Cant Verify My Account With A Phone Number On File Thats Registered To My Name Citibank Is Fraud I Feel Like Public Records Should Be Illegal It Doesnt Help Anything But Make More Fraud Happen Anyone Could Find My Address Name Phone Numbers And Relatives I Just Think The Government Should Let Banks Have Less Regulation & Public Records Should Be Banned
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

I have been a customer of this credit card company for a long time. I have made purchases with the card, and have been making payments. The interest rate on my purchases is 10.99 %. I did a Balance Transfer recently, at an interest rate of 6.99 %. 

When I make my monthly payment, it is being applied to the Balance Transfer amount at 6.99 %. My oldest transactions are 10.99 %, and are not having the payment applied to it. 

When I make a payment, it should be applied to the oldest transaction.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (LA)

I am writing in hopes that you can assist me in recouping the funds granted to me this year by the XXXX, from Citibank. 
I am an XXXX XXXX, and a XXXX XXXX by trade, and on XX/XX/XXXX and XX/XX/XXXX respectively, I was awarded the XXXX XXXX XXXX  XXXX grants by the XXXX in the amounts of {$10000.00} and {$5000.00} in accordance with the CARES ACT signed earlier this year by President Biden. The funds were deposited into my Citibank personal checking account. At this time I anticipated no problems because I had previously received an ACH deposit for my XXXX in XXXX of XXXX. On XX/XX/XXXX I received into the same account, my second draw XXXX XXXX XXXX loan in the amount of {$1700.00}. All told, there was a total of {$16000.00} in my Citibank account in early XXXX. At or around this time, I noticed that I was unable to withdraw funds or make transactions utilizing my Citibank account. When I called the prescribed Customer Service number, I was told that my account was frozen pending received proof of business, in the form of XXXX, articles of incorporation, or a signed independent contract. On XX/XX/XXXX, I received a XXXX envelope with directions to include my signed contract which I did. 
I then received a letter informing me of Citibank 's decision to terminate my account within XXXX days and return all funds secured from the XXXX back to the treasury. 
I have since opened a business checking account with XXXX XXXX, updated my banking information in the XXXX XXXX, and have been waiting the return of my XXXX Grants to the Treasury Department so that the funds can be re-dispersed to my XXXX account.
Consumer complaint received 2021-11-18
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: FC HoldCo LLC (TX)

I have sent numerous of Letters stating that XXXX was reporting a inaccurate account, They have refuse to fix this issue even after numerous of times of proof. XXXX is reporting a Charge off monthly on my credit report after XXXX of it being charged off. This account is is supposed to be dead account but it is still reporting a active payment history. Each time the Charge off is reporting the statue of limitations is directly changed. They have refused to correct or investigate this account
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I have an account with Chase. On XX/XX/2020 they marked a transaction done with XXXX XXXX as fraud, restricted my account and froze my funds. On XX/XX/2020, they removed the funds in question but I still didnt have access to my remaining balance. They said they would send me a check in the mail but never did. 

It has been over 3 months now and they still havent released my funds. They have avoided all my inquiries thru the phone and at the branch. They have even hung up the phone on me as they did today at XXXX XXXX CT. I am a patient and comprehensive person but this is just too much, specially during these hard times. 

I would appreciate if you could help me get my funds back as I had all my money with them and have fallen behind on paying my bills on time as I was accustomed to.
Consumer complaint received 2022-06-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2021-12-12
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: JPMORGAN CHASE & CO. (FL)

I had to cancel my card due to theft of card number, break in on computer. Chase said it would send a new card. I told them to send it to my XXXX address because I was NOT in XXXX XXXX. They said yes, confirmed the address and sent it to XXXX XXXX anyway. I took XXXX days to go to the wrong address. 
Now I have to pay {$5.00} to have them re sent it to the correct XXXX address. While waiting for the card I have NO way to order food or anything else. I am OUT of food and no card yet. I am beyond upset and need a way to fix this. I don't want it to ever happen again. I DO NOT have a car and have to order online!
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (CA)

I have been banking with XXXX for less than a year my paydays to both my jobs has been large amounts ever bi-weekly this goes back months large and small as came out when I have used my ( card ) account for purchase shortly after my account is charged again or without knowledge of transactions even point of sales charges point of sales charges for an example most gas station pumps take out more but eventually return funds to my account I don't care for paying at the pump for that very reason, so I go in story and pay shortly after purchase I am charged again if u already paid for the amount wanted to realize you being paying double for items that wasn't authorized ever used charged merchant at store doesn't have a clue to explain are who to call to fix the problem so I contact my bank XXXX for one there no live person to contact on online rather than typing is not something that I do creates an issue rather than explain to and individual are trying to navigate through your app while disputing and typing conversation with agent through texting I also told them that I could send proof of my purchase by receipts couldn't provide me any information, so I ask to talk to a hirer ranking person never did thats when i realize what kind bank i dident want to trust funds with
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Consumer Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many incorrect inaccurate accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-18
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. (MI)

I have tried and tried and tried multiple times to dispute XXXX XXXX they come back shortly thereafter not long and tell me it was verified I would like to know what method they use because I'm going to request to see it that is my right under the Fair Credit Reporting Act I'm going to request the XXXX it's completely different than my account online I don't understand this I'm going to attach what I have so that you can see the original balance is a lot higher than what is being reported on my credit repor also experience reporting this account is closed it is not closed this still open I am really discouraged and I'm heartbroken they're supposed to be a professional company I read a lot of information and I'm really sickened if cfpb can not help me I'm going to the Federal Trade Commission and the Senate this is not right at all and an experienced part that's totally unprofessional and unethical