davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (FL)

XX/XX/21 XXXX XXXX - LTD Financial Services called apparently with a robo-dialer because when I picked up the phone, it was playing a radio broadcast. I said hello multiple times and no one was there. The radio broadcast continued for over a minute until I heard someone physically hang up the phone. I called back. They refused to tell me why they called me unless I gave them the last four digits of my social security number. The supervisor said they would need to call me back to verify my identity to tell me why they were calling. I gave her permission to call me one time to tell me why they were calling me. She said she would but never called me back.
Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Macys credit card. Been an account holder since XXXX. Fraudulent use of card and automatic transfer from personal checking accounts to pay Macys credit card. 

The following transactions were not authorized : XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$350.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$1700.00} XX/XX/XXXX : {$660.00} XX/XX/XXXX : {$610.00} XX/XX/XXXX : {$2700.00} I only discovered the fraudulent activity when the bank with my checking accounts ( Chase ) notified me that a {$5000.00} payment was authorized and paid to Macys.

I called Macys and XXXX on XX/XX/XXXX to report the fraud. Macys cancelled the card and reported they would investigate. Macys also reported that the {$5000.00} payment to them was initiated using their telephone system. This is not how I pay them- I usually pay them by authorizing payment using my online account.

Macys issued a new card, but did not return the {$5000.00} that was taken, and instead, transferred the outstanding account balance from the fraudulent purchases to the new card/account. Although Macys was aware of the fraudulent transactions given my report and call, another unauthorized purchase for {$260.00} posted on XX/XX/XXXX. 

I have been given the following confirmation ID by Macys : XXXX and XXXX.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited my XXXX XXXX Check of XXXX $ to my Bank of america account. 
The money was debited very next day from my XXXX account and they confirmed there is no issue on their part and check has processed. 
But, BOA put a hold on the fund for 7 business days ( 9 days in total )! So, basically my own money is not available for access anywhere! 
My BOA checking account is actively used since last 13 years and is in very good standing. I was not give any reason why check is on hold for so many days when money has been already debited from the originating account. Is BOA earning interest on my money elsewhere while restricting my fund completely? ( XXXX dollar available after 4 days of deposit ). This should be completely ILLEGAL and banks are getting free pass for indulging in such UNETHICAL practices! 
That money was supposed to go for my mortgage principal payment and 9 days of delay means, I will be overpaying XXXX $ of interest. Is BOA going to pay me for holding the fund without giving any reason?
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX Account. I contacted XXXX XXXX XXXX XXXX  previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.
Consumer complaint received 2023-04-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I am attaching a letter requesting information in writing for validation of debt I am being sued for. I did not receive any prior notice but a lawsuit and wage garnishment request. As this is the first notification I received, my letter is in response to the voice mail caller 's message, " You have been notified! ''
Consumer complaint received 2024-10-23
Product: Credit 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 (MI)

From me American Express collected five insurance premium over-payments totaling {$250.00}. Of these AmEx refunded me only {$100.00}. Hence AmEx owes me another {$150.00} ( {$250.00} - {$100.00} = {$150.00} ). 

According to the attachment from your records and your analysis you, American Express, tell me that - On XX/XX/year>, ( my ) account was billed {$50.00}, which provided ( insurance ) coverage through XX/XX/year>. On XX/XX/year>, American Express received ( my ) payment in the amount of {$100.00}, leaving ( my ) account with a {$0.00} balance due as of the closing date XX/XX/year>. 

You conclude- {$0.00} balance due on XX/XX/year> '' in error. 

Instead, as of the closing date XX/XX/year>, after on XX/XX/year> having just made a double-payment in the amount of {$100.00}, I had a {$50.00} credit coming that you disregard. 

Then you say - On XX/XX/year>, ( my ) account was billed {$50.00}, which provided ( me ) coverage through XX/XX/XXXX, XXXX in error. 

To the contrary, after I had just made a double-payment on XX/XX/year>, it follows that on XX/XX/year> you billed me an extra {$50.00} in error. That is, by double-payment on XX/XX/year>, I had already paid for coverage for two months, from XX/XX/year> through XX/XX/year>. 

Then on XX/XX/year> you received my triple-payment totaling {$150.00} ( {$100.00} + {$50.00} = {$150.00} ). In error you deducted the extra {$50.00} payment that I did not owe, because, as I here repeat, on XX/XX/year> having made a double-payment, I had already paid for coverage through XX/XX/year>. 

Then on XX/XX/year> you received my final double-payment in the amount of {$100.00}. Its all in your attached records. Thus, in error from me you collected five over-payments totaling {$250.00} ( {$150.00} + {$100.00} = {$250.00} ), then refunded me only {$100.00}. So you owe me another {$150.00} ( {$250.00} - {$100.00} = {$150.00} ). Now please refund me the {$150.00} credit balance remaining on my account.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX/XXXX  XXXX, CREDIT COLLECTION SERVIC XXXX, XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX XXXX, US DEPT OF ED/XXXX XXXX.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion is reporting the account by XXXX XXXX XXXX  as an open account still, after I proved to them that The account was reaged. They changed the date of when it would be removed, but did not change the status to show that it is now closed because the 4 years have passed. Im so sick of dealing with these criminals trying to unlawfully list this account as still open.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XXXX of XXXX I opened a business checking account with Bank of America at my local branch, which has since permanently closed. I was informed about an offer where if I maintained an account balance for the first 90 days of {$30000.00} I would receive a credit of {$1000.00}. I never received this offer, despite moving money out of a high yield savings account at an outside bank and maintaining the balance for over 90 days. When I called to inquire about this I was told that the banker never enrolled me in the incentive. I felt this was unfair to me since I lost out on interest earned by moving the money, and I complied with the terms on my end. They " opened a case '' and I was told that I would have to call the customer service back after XXXX days to find out the resolution. When I called back, I was told it was rejected due to the requirement of " new money ''. Since I moved money from an outside bank, this didn't make any sense to me. This appears to be a violation of Regulation DD and when I stated that to the supervisor, she disagreed. They know what offers they were running at the time of the account opening, and they can look at my account history. This feels like a bait and switch.
Consumer complaint received 2023-03-27
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. (NV)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to : 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 an account without my written instructions. 

Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX
Consumer complaint received 2021-10-20
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 (DC)

I made a purchase at a Hilton Garden Inn and did not receive the additional bonus points for putting the purchase on my American Express Hilton Honors credit card.

The company stated in its response to me that the hotel I made a purchase at was not a Hilton hotel and was thus not eligible for the additional XXXX  Hilton points ( for a total of XXXX  Hilton points ). 

However, this absolutely was a Hilton hotel it was the Hilton Garden Inn in the XXXX XXXX, a semi-autonomous region of XXXX. 

I have attached a copy of the bill upon checkout showing the charge of XXXX XXXX XXXX ( XXXX  ) and a copy of the American Express charge details which clearly show the charges description as Hilton Garden Inn XXXX XXXX and which states that the charge [ w ] ill appear on your XX/XX/2021 statement as Hilton Garden Inn XXXX XXXX. 

Therefore please provide the bonus points for this stay as required by the terms of the credit card agreement. 

The reference number for this dispute is XXXX.
Consumer complaint received 2020-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct.XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law office LLC XXXX : [ XXXX XXXX Ct file No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law offices Llc I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as XXXXXXXX XXXX XXXX bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2020-12-03
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: Bread Financial Holdings, Inc. (MA)

This account is reported inaccurately and I have been disputing it for a long time. I am not surprise by the results because I do not think they are taking me seriously. I have come to you to ask for help regarding this account because it is reported differently across the bureaus. All I want is to get this removed and know why is this in this report.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MD)

FlagStar Bank has already placed my loan in forbearance, which simply means that from XX/XX/2020-XX/XX/2020 ( 6 months ), should I be unable to pay, I will not experience any late fees or negative credit reporting ( any pay by phone fees will also be waived during this time ).

But I received a letter from Flagstar, which stated " As of the date of this letter, we have not received the monthly payment for the loan listed above and your account is past due. The total amount due is {$1700.00}, which includes late charges. If we do not receive the total amount due before the end of the month, your account will be in default and may be reported to the credit bureaus as such. This type of delinquency may negatively impact your credit scores and your ability to obtain credit or other services in the future. 
PLEASE DON'T DELAY. To avoid default on your mortgage obligation, call us today at ( XXXX ) XXXX, Monday-Friday XXXX XXXXXXXX XXXX ET to arrange payment before the end of the month. The longer you wait, or the further you fall behind on payment, the harder it will be to find a solution. " Don't know why Flagstar sent letters to threaten the customers to pay mortgage after they placed loan in forbearance program. Under CARES Act, You will not accrue fees, penalties, or interest beyond the amounts already scheduled or calculated based on the terms of your mortgage.

The CARES Act also protects you from some negative information on your credit report because of any mortgage relief or assistance related to the COVID-19 emergency. During the period covered by the CARES Act, the CARES Act requires your mortgage servicer to report your account as current if your account was current at the time of the forbearance and if you meet the terms of your mortgage relief ; or if your account was delinquent before the COVID-19 emergency, to maintain the same delinquent status. If you bring your account current during the forbearance, your mortgage servicer must report the loan as current.
Consumer complaint received 2020-06-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation (ID)

We are building a home and the builder offers design and or closing cost credits to use their 'preferred lender '. Although we were already pre approved with a different lender, it was enticing to us and seemed like a better option for our family to go forward and take advantage of the total of {$3000.00} of credits ( {$2000.00} from the builder and {$1000.00} from the lender according to the flyer ) on XX/XX/XXXX we applied for a loan with XXXX XXXX at Academy Mortgage. I had let him know that i wanted to see his fees to make sure that we weren't getting these credits just to then pay excessive fees for the loan with him. He continued to boast about his company, loan products and ability to get the job done. Weeks went by and we never received a loan estimate. On or about XX/XX/XXXX we officially went into contract with the builder on our home. We received an updated loan approval on XX/XX/XXXX from Academy Mortgage to move forward. Again we asked for fees to which we received nothing. After meeting with the builder and adding upgrades increasing our purchase price Academy Mortgage then provided another preapproval. I asked again for the fees ... nothing. In XXXX I learned about the laws requiring a lender to provide a loan estimate within 3 business days of application. Academy Mortgage is the exact reason why these laws are put into effect. XXXX has refused to provide us with a loan estimate, leaving us in the dark and leaving us to fear what we thought from the beginning. The credits to use him must have been a bait and switch. We asked for the fees on numerous occasion regardless of the fact that as a consumer we shouldn't need to ask at all. The law protects us from loan sharks just like this but sadly Academy Mortgage still is not willing to comply with the law to disclose via loan estimate within 3 days. We are now left with no other choice but to protect our family and our dream house and go with a different lender. Causing us to lose our credit from the builder but at least we are now provided with upfront disclosure from a trusted company.
Consumer complaint received 2021-10-20
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (LA)

A debt collector is reporting that I owed XXXX  money when account has been settled and already deleted from a different debt collector. When ask to provide proof they kept trying to get me to pay for delete through sending a payment in mail as the only option. And only reports through XXXX.