davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX XXXX  Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-22
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. (MS)

I have sent dispute letter on XX/XX/XXXX via Consumer Financial Protection Bureau, XXXX XXXX response on XX/XX/XXXX saying the investigation complete. A review of your account history provided by XXXX Department of Education XXXX XXXX confirmed your loan was accurately reported past due to the consumer reporting agencies from XXXX through XX/XX/XXXX prior to forbearance being applied on XX/XX/XXXX. 

FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Late payments and utilization are illegal 15 usc 1681 a ( 2 ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ) Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment 2 different years, Balance update Instruction : Please update payment history current/never late or deleted the account PLEASE SEE ALL ATTACH DOCUMENT
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MA)

I recently opened an account with BJ 's Mastercard through Comenity bank around XXXX. The first bill that came in a paid along with setting up my account for auto-pay. Then between XXXX and the beginning of XXXX they were having some technical issues with online transactions. On XX/XX/XXXX I checked my account because I feared that my auto-pay wasnt going to be processed and when I looked at my account it appeared that my banking information was not listed nor were there any pending payments being processed. So i panicked and went ahead and made a payment. A week later i check my account online and it shows 2 payments being processed, with one payment being returned ( rightfully so since the 1st one had gone through ). Then on XX/XX/XXXX i try to use my card at Bjs gas station and its telling me that its declined. WHen i contact Comenity Im told that my account is suspended for 90days due to a return payment. WHen i explain to them what transpired, which only happened due to their system issues I am told that there is nothing else that can be done. 

For a company who's supposed to cater to their customers they failed. Ive NEVER experienced anything like this in my life before. Absolutely distasteful
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I applied to American Express on XX/XX/2022 for the XXXX XXXX XXXX American Express Card. On XX/XX/2022 the decision was made and I was denied. The reason for the adverse action letter states : My FICO score. My reference number is # XXXX. Attached is the company adverse action letter and how they violated me and federal law by Pursuant 15 USC 1642, 15 USC 1681M and 12 CFR 1002. This is clearly a case of discrimination and adverse action and I demand American Express to comply with Federal Law regulations.
Consumer complaint received 2022-02-22
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 — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC (TN)

I was a victim of identity theft in which someone broke into my home and stole personal information from me including my social security card, driver license, and several other important documents. Someone fraudulently took out a loan in my name. I tried to inform the company of this but kept getting told different things. I have asked the collection agency, NCA, to send me proof of this account and any contract relating to it. Upon further investigation, I have also learned that the original creditor, XXXX XXXX is no longer in business. Therefore, I would assume that any contracts with the company are now null and void.
Consumer complaint received 2021-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BMO Bank, N.A. (OH)

Found the vehicle that I wanted at XXXX XXXX via XXXX XXXX  Called to confirm availability XXXX XX/XX/2021 XXXX. Once it was confirmed available, I did a pre approval through XXXX XXXX. I contacted the dealership shortly after they opened ( XX/XX/2021 ) and was put in touch with a dealer by the name of XXXX. I gave him my pre approval number and I was told that the ball was rolling on the purchase. Even got a call from the finance department telling me to come pick up the vehicle. 15 minutes later, I got a call from XXXX saying it was already sold. 
After that, I got a notification from XXXX XXXX that I had a new credit inquiry from the XXXX XXXX. I found out that they ran my credit even though I was already pre approved through XXXX XXXX. Over the next 2 days, I had 2 more inquiries added to my credit report. Now XXXX wont reply to my text or answer my calls and finance department wouldnt pick up until I called from a different number. When I talked to the finance manager, I asked why my credit was ran after I already had a pre approval and he said that the interest rate that I was given wasnt good for me and that he didnt know anything about me and claimed that XXXX XXXX didnt send any of my info over so they had to run it again. 
The car is still available on XXXX XXXX and their website as of XXXX XX/XX/2021
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NH)

I did receive my Equifax report but was interrupted before I could download it. 
When I returned to the computer about 15 minutes later, the paged had timed out, I tried to resubmit my datea but was turned away because I already received the report. 
How can I get a copy of this report?
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The person used another person 's pictures and made up a fake name and talked me into investment trading of cryptocurrency and then took my money from my account illegally. 

He told me his name is XXXX XXXX XXXX or XXXX XXXX XXXX, his phone number is ( XXXX ) XXXX, he lives in XXXX, and owns a house and drives a XXXX car. From talking with him, I think that he is a person from XXXX, and he works with this XXXX XXXX XXXX application, and uses his fake identity to trick people to invest in cryptocurrency with him and then stole their money. 

He asked me to transfer money of {$85000.00} dollars to my coinbase account, and then transfer to a XXXX online website application called XXXX XXXX. He helped me with trading investment, but after the transaction is done, I could not withdraw money from my account and my account got XXXX. And then he asked me for another XXXX and also threatened to kill me many times. 

Met this unknown person on the XXXX application. Said his name is XXXX XXXX XXXX and XXXX XXXX XXXX and that his birthday is XX/XX/1986. Also stated that he lives in XXXX XXXX XXXX and drives a XXXX XXXX. Talked me into investment of cryptocurrency, and transferred investment money of the amount {$86000.00} from my Coinbase to a XXXX online website called XXXX XXXX. After helped me with trading, my account was XXXX and I could not withdraw my money back to my Coinbase. Please help me with this fraud scam, because it is a large amount of money loss and also he can continue on doing fraud and scam to other people with more money. 

of my supposed account on XXXX XXXX, for which I think the numbers were set up. Because I thought my investment money was transferred to my account on this application, but I think when I asked the transfer address from this customer service, they must have given me the fraud scammer 's wallet information, so that my investment money was actually transferred to his account. 

as I thought I have investment money in my account on this XXXX XXXX and was withdrawing the money back to my Coinbase, my account got logged out and I could not sign in nor withdraw my money. 

This unknown person is from XXXX and his name may be XXXX and that his birthday may be XX/XX/86. He used a phone number XXXX and said that he lives in XXXX and drives a XXXX car. 

This unknown person can be in the XXXX and not in XXXX, because XXXX does not legalize for cryptocurrency investment and he has the XXXX account to get the transfer address and took my investment money illegally. 

The most important thing is the large amount of money {$86000.00} that I have lost, I wish that you could help return back to my bank account. This unknown person used fake identity name and pictures and talked me into investment trading, tricked me to transfer the investment money to his account, asked for more and threatened me if not.
Consumer complaint received 2022-07-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) 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 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 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Information was compromised due to XXXX  data breach in XXXX and also compromised due to covid-19 when I did not have a stationary address between XXXX and XXXX
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens bank by far is the worst. 

I filed a complaint to CFPB before for being unable to reach their customer service due to always busy phone line. Eventually, the bank got back to me after I filed a complaint. In the call, I emphasized that I wanted to close all my accounts with them. However, after several months, I received an email from them saying they will start charging maintenance fees. I logged into my online banking account, and realized that they didn't close my saving account. I couldn't do it without calling their customer service again. 

I highly suspect this bank deliberately makes it difficult for customer to contact them. By now, their online chat is still unavailable. By all means, they try to charge fees. There are bad reviews of this bank all over internet.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (FL)

I mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

American Express denied my credit application for their XXXX XXXX XXXX credit card. They mailed me a letter dated XX/XX/2021 stating they can not approve my application at this time due XXXX  my XXXX score. According XXXX  the EQUAL OPPORTUNITY CREDIT ACT 12 C.F.R 1002.2 ( c ) REGULATION B ADVERSE ACTION- American Express committed adverse action upon me by refusing XXXX  grant me credit. American Express has severly discriminated against me according XXXX 12 CFR 1002.4 ( a ), XXXX  has inflicted discouragement upon me according XXXX  12 CFR 1002.4 ( b ). American Express has mailed me numerous credit advertising letters with offer codes, XXXX  still denied my application. These are also federal violations according XXXX  the FCRA. According XXXX  15 USC 1602 ( p ) American Express has committed unauthorized use of my credit card, XXXX I did not receive any benefit. 

REFERNCE NUMBER : XXXX
Consumer complaint received 2022-06-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (GA)

UNDER 15 USC 1692g EXETER FINANACE LLC HAS NOT VALIDATED THE DEBT ; THEY ARE THEATENING ME AND MY REPUTATION. WHEN DEBT IS ALREADY PAID. 

On the XXXX day of XXXX, I sent Exeter financial LLC certified mail of a : 1. Non-negotiable conditional acceptance, 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 
Which was ignored, misled and not answered correctly according to the claims and assertions stated within it in " SUBSTANCE ''. 

On the XX/XX/2022, I sent a second notices to Exeter Finance LLC certified mail : XXXX. Notice of default and opportunity to cure 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 

Having failed to properly rebut the allegations presented unto them in the time requested, respondents hereby ADIMT all allegations contained to be true. 

Exeter has not proved any of their claims.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America (TX)

XXXX XXXX XXXX has been sending the bills to the wrong address. They have made a clerical error. Now, the bill has been sent to collections and we have never received notice of a bill. We have paid the debt and want the delinquent account removed from my credit report because of XXXX XXXX XXXX 's error.
Consumer complaint received 2022-07-02
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. (MD)

I pull have alerts set up on my credit as a result I received one stating that I have a collections account. I the called the place of business only to get brushed off by a staff member because I did not want to provide my personal identity information. I was not comfortable doing such because I have never done ANY BUSINESS with the merchant requested and I am not even sure how they were able to just plaster their info on my credit report without even have said proof. 

I DO NOT have any account with XXXXXXXX XXXX  in fact I have never step foot on their property in over 2 decades. In fact, when I noticed a charge on my bank account initially back in XXXX of 2021, I immediately filed an unauthorized dispute with my bank. They closed the account and I thought that was the end of it. Now, they put an account on my credit when again I did not sign up for any account. 

Lastly on XXXX I called XXXX XXXX and explained that I personally was not the one who made the change on my card but knew who did and the charge was not authorized. I did not wish to prosecute the person because it was someone from my XXXX XXXX XXXXXXXX XXXX  daycare center who also is a XXXX. At this point I feel like they took advantage of a situation and wish to hold someone accountable. However, that person is not me, I was working when this occurred and again DID NOT give anyone permission to use my bank card/XXXX XXXX  or any financial Information to sign up for an account with these people. 

Nor did I sign anything EVER with the merchant agreeing today for anything. I tried to resolve the matter almost a year ago but they are now being vindictive to go the extra mile trying to force me to pay for what is clearly an unauthorized transaction.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (DC)

To whom it may concern, On Monday, XX/XX/XXXX, I considered a money transfer into my Venmo account for {$670.00} dollars. Venmo offered the transfer service to me, stating that the money would be available in my account to use on Thursday, XX/XX/XXXX. Given that timeline offered by Venmo, I decided to proceed with the money transfer that day - XX/XX/XXXX, expecting my money to be available in my Venmo account on XX/XX/XXXX. 

The money was debited from my XXXX account on XX/XX/XXXX, and deposited into Venmo. 

Nevertheless, its Friday, XX/XX/XXXX, and my money isn't available yet in my Venmo account. I contacted customer support, and they didn't resolve the issue. Furthermore, they attempted to modify the original terms of the offered service, saying the money would be available today, XX/XX/XXXX ( XXXX hours later from the promised date and 5 days later after initiating the transfer ), or until Monday, XX/XX/XXXX ( 4 days after the promised date, 8 days after initiating the transfer ). 

I want to highlight that the money was debited from my XXXX account, and deposited into Venmo, since Tuesday, XX/XX/XXXX. Venmo is illegally keeping my funds from my property, and Venmo is blatantly violating the terms of the service offered. Furthermore, after contacting Venmo, the issue was not resolved and said that the money would " eventually '' be available, perhaps until Monday XX/XX/XXXX. It is hard to believe their offered terms of service, when they have already failed to comply with the original terms of service offered.
Consumer complaint received 2022-07-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX INQUIRIES : XXXXXXXX XXXXXXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX