davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Amex emailed me ( Amex Offers ) re a XXXX promotion ( spend {$200.00} by XX/XX/22 and receive {$80.00} back ). I tried to enroll directly from the email ( E.g., click to add offer to card ) and it took me to a different offer for XXXX hotels. I made four phone calls to Amex who gave me the run around before deciding to inform me that the offer was closed ( despite the terms ) and that I was not eligible due to the offer hitting a cap of XXXX enrolleesa limitation not disclosed in the terms.
Consumer complaint received 2020-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America Online Services provides false information regarding Inbound ACH Transfers. 

Bank Of America 's Online Banking System provides Inbound Transfer Services from other institutions. In the menu for those transactions there is information detailing the monetary limits of this transactions. And It clearly says that the inbound daily limit is XXXX ( See Attachment ). However such a transaction resulted in an error message indicating that the limit was exceeded and that I should contact Tech Support. 

After reaching out to tech support I was told contradictory information by the 6 people that took my case during a 3 hour period. Which shows uneven training on from the organization. Originally I was told that I was not exceeding the limit and that the limit must have been imposed by the other financial institution. Eventually the last representative dismissed me by telling me that the correct information was on Section 5 Subsection B of the Service Agreement ( see attachment ) which showed a daily limit of XXXX. When I challenged the notion with the information on the webpage. And the fact that I had done a similar transaction in the past. I was told that the other information shown on the same webpage was incorrect and the other tech support members who didn't inform me of this were also incorrect. And that she couldn't do anything about it. 

I had made financial decisions based on the information which unfortunately will nullified based on this incident.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights. 

1

5 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 2020-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

When COVID 19 hit this past spring, I signed up for CHASE to defer my mortgage payment 3 months. In that 3 months I still choose to pay the mortgage. Once things became a little harder and Covid wasnt going away, in XXXX I called Chase to extend the arrangement and see what other options were available. The automatic system immediately said it would enroll me in another 3 months, I spoke to a rep who explained in XXXX they would have other options, throwing on back end, repayment etc.. and to call back in XXXX. 

When I called in XXXX, ( I have not paid the Mortgage since XXXX ), I was told it could be extended again for another 3 months. 

During this 3 months - in the middle of XXXX, I received notification that my mortgage was changing hands that Chase sold their mortgage portfolio to another company and as of XXXX this new company would take over. 

I have not paid my mortgage since XXXX. 

I called the new company this week to see what they have as options and to learn alittle about them. It then dawned on me that if my mortgage payment wasnt being paid ... it was in a deferred ... what about my escrow ... my taxes and insurance. 

NOT ONCE did Chase inform me that as part of this process of being deferred that they would PAY my taxes/insurance. Their website in the very beginning was just a simple click to enroll ... no extra information ... This deferment, unknown to me, has now left my escrow NEGATIVE. 

The new company, stated that the negative escrow would be analyzed during the yearly escrow analysis and whatever i was negative would then increase my new mortgage payment. So for example .... if my escrow was XXXX and I didn't pay it for 5 months .... that would be XXXX i would be SHORT in my escrow and that would INCREASE my mortgage payment ... XXXX and the inability to pay that would then cause for possible foreclosure ... XXXX Instead of having me become late with the City/State/School taxes ... and having to owe them .... I would have to find a way to make up this missed escrow. 

NOT ONCE did chase have any disclosure that spoke about the escrow being paid out. Everyone stated they would have options to tack it on the back of the loan ... THAT WOULD JUST BE THE MORTGAGE PART ... not the escrow .... The escrow would be due with in the next year .... when the analysis would show the negative and force the payment to increase. 

This is HORRIBLE that no one explained this to people during this pandemic. Had I not asked questions I never would have known. Once these escrows are reviewed in 2021, EVERYONE who had a deferment will be in the same position ... a MUCH larger payment ... .. 

This was missed by not only Chase, but by other companies as well. This needs to be addressed. It is misleading, false, deceptive and wrong.
Consumer complaint received 2022-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Media Collections, Inc (MD)

I contacted XXXX XXXX to have a door put in my basement. XXXX XXXX and I had discussed some issues that we were having with the completion of the project. I have been in communication via email with the manager XXXX and explained to him that I was dissatisfied with the service he responded through email stating that he will contact me back. Since XXXX of last year I have been calling and calling and he had not answered the phone. Finally, in XXXX I gave up calling. XXXX I received a debt collection. I contacted the debt collector and let them know that I want it to dispute the total charge because I didnt get call back from the store manager. The debt collection manager put in a request to speak to XXXX XXXX XXXX manager but no one has responded back it has been well over 30 to 45 days and I have emails from the debt collector stating that XXXX XXXX has been non-responsive to them as well. 
I do not feel this is fair to me as a consumer when I have been trying to resolve this since XXXX of last year. I have Phone records and emails from both XXXX XXXX and the collection agency and no one is able to tell me anything. The collection agency is telling me that the results of my dispute will remain open indefinitely until XXXX XXXX  decides to respond to my complaint. my dispute was filed XX/XX/2022 with Joseph, Mann, Creed. If necessary please let me know because I have phone records I am able to show you from XXXX showing I have been calling the store as well trying to get in contact with the manager.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX bank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX  settled in full for {$380.00} as agreed on XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (OR)

Discover card account ending in XXXX Hello I have explicitly asked that all payment history since account creation be provided otherwise please stop reporting the account to ALL the credit reporting agencies. 

DEMANDS : XXXX. Supply all Account Statements from Date of Opening ( XXXX ) until present. 

XXXX. I have received documents from XXXX to present and there is 2-year gap missing from XXXX. 

XXXX. If you can not provide me with the documents, then you MUST Remove the account from all agencies
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Complaint about loan with Shellpoint : A Division of Newrez Note : All times in Central Time Zone I received a call from this phone number on XX/XX/2023 at XXXX : XXXX XXXX XXXX XXXX The caller said to call at XXXX XXXX XXXX XXXX, which I promptly did. 

The system did not allow me to get through despite entering the correct phone number ( which was the prompt ). I tried back again today, XX/XX/2023 at XXXX. Again it asked for phone number to verify me, which it failed. I then tried loan number, that too failed. 

This servicing company is not available to get through to return phone calls. After multiple prompts I finally got through ( again, I feel as if Shellpoint is intentionally making it difficult for borrowers to get through to them ). 

Upon getting through, I was asked why I was calling. I informed them that I was returning their phone call. The representative did not know why they had called me and speculated that it was a welcome call. 

I requested a response as to why they had called me and they said they could not tell me as they didn't know. 

I would like a response as to why I am getting harassed with phone calls and being told I have to call back and then wasting my time without anyone on the other side being able to explain why I was called in the first place.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.
Consumer complaint received 2023-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a credit card with Bank of America. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. Bank of America erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank of America verifying all this. I tried contacting Bank of America to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from Bank of America.
Consumer complaint received 2023-03-30
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX  : XXXXXXXX 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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. (NC)

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - 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 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 I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. 0XXXX XXXX XXXXXXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-03-09
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-09
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. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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
Consumer complaint received 2023-05-16
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. (TN)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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