davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

My Mother had an account with American Express and she passed away in XXXX XXXX As executor of the estate I contacted AMEX to inform them of this fact. I was told initially that I did not have to take over the account and was not responsible for it, which I know is the law ; however I inquired as to certain facts if indeed I did take it over. 
There were two areas of concern to me taking over the account. One was the fact that from the financial crisis of XXXX I lost my XXXX  and home as millions of Americans did, and had to declare a personal bankruptcy, including an AMEX account of my own. My second concern was the fact my Mothers credit limit was low. Since XX/XX/XXXXI have rebuilt my credit very high and am making significant income. I asked the agent if this credit limit could be increased and she told me I could ask for that after the account is moved over to me. I travel some with my work and want to use AMEX for travel purposes, and a low limit is not practical for me. I earn a significant 6 digit income annually. 
So I agreed and took over the account. It was approved and transferred to me and I was now responsible for the debt, which I had no problem with. Obviously AMEX wants someone to take it over so they do indeed get paid as my Mother had no assets and AMEX would have had to write this off. 
AMEX approved me to take over the account right while I was on the phone, I asked for the credit line increase and was told NO, you have a previous issue with AMEX and our policy is not to do anything. SO HOW IS IT they approve me for the account, contrary to their policy, so THEY GET PAID, but deny me for a line increase. If I was good enough to go on the hook for the account and I earn multiple hundreds of thousands of dollars a year and a score over 750, what is the issue. Other than bait and switch on AMEX '' s part to get this account PAID. It was unethical, disingenuous and perhaps illegal. 
I have gone round and round with them on this to no avail. I think this bears investigation and action. if I am good enough to assume the debt with my income and score, I should be for line increase also. What is their criteria ( Score and Income ) for line increases? Is that policy consistent with what happened here???
Consumer complaint received 2020-05-15
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I booked a travel package through XXXX for Travel to XXXX, XXXX between the dates of XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, President Donald Trump issued a travel ban for travel to and from XXXX to be effective on XX/XX/XXXX due to the Coronavirus. On XX/XX/XXXX, I attempted to contact XXXX, XXXX XXXX and the hotel to inform them all that I will be unable to travel on XX/XX/XXXX due to the Coronavirus proclamation order but I was not able to get through the phone line. When I finally got a hold of someone at XXXX ( Travel agency I used for booking ) In the month of XXXX I was informed that since I did not contact the airline company 3 days in advance that I will not be able to get a refund but only a travel voucher. XXXX also informed me that I will not be getting a refund as well from the hotel in XXXX since they were not alerted sooner. I attempted to contact them but was unable to get through and now I am being denied my refund of {$760.00}. After being unsuccessful in contacting XXXX by phone in XXXX to inform them of my travel cancellation due to the Coronavirus travel ban I initiated a credit card dispute through Bank of America. On XX/XX/XXXX I submitted a credit card dispute through Bank of America and I received a temporary credit on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America stating that my dispute claim will be closed and the temporary credit was reversed and the charge was returned. Bank of America never asked me for any additional documents to dispute my claim and never heard asked from my side. They simply reversed the temporary credit and closed the claim after receiving documentation from the merchant. My claim was never properly reviewed and I was never given an opportunity to respond to the merchant XXXX. Also, merchants have 30 days to respond to an initial claim and afterwards the claim is considered closed. The merchant in this case, XXXX was given 60 days to respond and when they responded on XX/XX/XXXX the case was closed on XX/XX/XXXX. This was unfair from XXXX and Bank of America.
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

I previously requested validation of debt from ERC reference number XXXX. On XX/XX/2022 ERC sent me XXXX ( XXXX ) old XXXX XXXX XXXX statement for validation. ERC failed to validate such debt with said statement. I have a right to know their method of verification. By law they have 15 days to tell me their method of verification. I believe they gave me an automatic computer generated response, and that they broke the law because there was no investigation and their conclusion is not factually based. I need to know the method of verification and see the audit trail as well as the flow. 

ERC did not insure that this information was accurate upon re-investigation pursuant to 1681 ( a ) ( 4 ) where congress says they must not be unfair, but impartial and respect my right to privacy. They never asked me if this was my debt, if this transaction ever even took place ; they just took the side of XXXX XXXX XXXX without reasonable procedures fair and equitable to me, the consumer.
Consumer complaint received 2020-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, TransUnion / XXXX, and XXXX  are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Truist is our mortage company. We do not know where they are located. We only know them are at XXXX XXXX. 
The customer phone number is XXXX XXXX XXXX. 

Since XXXX and XX/XX/2022, we do not receive our statement to pay our mortgage. 

We currently have 2 loans with them and both are having issues. We have a difficult time to get a hold of them. Most of the calls are wait time of 30 minutes or gets hung up.

Without the statements, we will forget to pay as we are seniors. 

We think the bank is doing a dis service to us. Right now we have to live in fear to check our statement every month to make sure we get it so we can remember to pay it. 

Please investigate.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I paid for social media marketing for a man on XXXX. I agreed to pay him {$68.00} for business owners that wanted social media marketing to find leads for these business owners. I used my Bank of American and XXXX card to this man that used XXXX to process the payments to him for providing these services. I was on a video call for all of the XXXX accounts that were created by me from his assistance. These business owners are located in XXXX, Ohio. When the services were completed the business owners were never contacted the the people coming to the facebook page of these businesses were people coming from all over the world. We found the merchant we paid was having his friends and others from XXXX and other countries coming to the facebook page of these businesses. The advertising was to create consumers from XXXX, Ohio. The merchant that I paid is under the name of XXXX with XXXX. I feel he is committing fraud with other consumers. My credit card company has informed me that XXXX and their bank has have showed screenshots of the facebook work that was completed by XXXX customer by the name of XXXX on XXXX that was payed by my credit cards.I am not going to be credited for these costs of {$550.00} with Bank of America besides the credit card with XXXX.
Consumer complaint received 2020-05-14
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. (MN)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$750.00} XXXX XXXX {$300.00}
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PR)

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.

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 2022-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (FL)

XXXX XXXX/Freedom debt relief. 
My husband and I, signed up with this company to negotiate with creditors for XXXX accounts. We canceled this because we found out, our money being deposited to XXXX XXXX  ( our dedicated account ) every month, directly from our bank, only took money for their fees, and only XXXX small accounts, were negotiated and paid!!!! 
We have documents that can prove all this and our 3 credit bureau files. We are yet again, victims of fraud and scams.
Consumer complaint received 2022-10-11
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 (MO)

I mailed a payment of {$8600.00} by certified mail with tracking, I tracked the payment and it was received on XX/XX/2022 at XXXX pm. Discover claims they never received the payment. I have called Discover several times, I tried to send the complaint on their website ( discover.com/billingerrornotice ). Once I clicked submit, it said there was an error and my information could not be processed. I wrote a hand written letter because my computer is down, I will mail it tomorrow with a copy of the check stub and certified mail receipt. 
I also went to my credit union to see if the check had been cashed and it had not. I asked if they would stop payment and reissue the check or make the payment electronically. They told me they would not because of the amount of the check. They wouldn't for 90 day. Now Discover has added derogatory information on my credit report. I am very stressed out and frustrated about this situation. I have tried everything I know to do, but no one is listening. Thank you
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OK)

Regarding Community Loan Servicing Our mortgage was to be paid in full in XXXX, XXXX, however, at that time, we were told that we had one late payment ( untrue because we were set up on auto pay ) and no other explanation but we still owed {$6600.00}. We sent {$2100.00} in XXXX, XXXX but it was returned because we did not have a pay plan in place. We called to set up a pay plan of {$630.00} per month and started paying {$700.00} per month starting in XXXX and the payments were in a holding account and not being applied.. Our last payment was made on XX/XX/XXXX. XXXX ( husband ) tried calling on XX/XX/XXXX to make a payment. He was on the phone for about XXXX hours. The first person told him that the payment was {$280.00} but wasn't sure after looking at our account. He was transferred to another person who stated we owed {$140.00} but still wasn't sure and then was transferred to a XXXX. Our regular XXXX who XXXX had spoken to in XXXX was not available. He spoke with XXXX XXXX and XXXX stated that our account was paid in full and not payment was due, I ( XXXX, wife ) then logged on to our account and yes, it showed our account was paid in full I think. We do not know where we stand at this time. XXXX has called without success and I have emailed XXXX different email addresses trying to get this figured out. I even got a read receipt from one email but still no contact and no solution. I am enclosing documents and I hope you can make better since of it than I can.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent {$500.00} from my account on XX/XX/2020 via XXXX for a deposit on a rental property. The receiver cancelled the lease and has attempted to return my deposit via an emailed fraudulent insurance check, requesting I deposit it and send them the remaining {$3000.00}. I disputed the transaction with CapitalOne, they investigated and responded that there was no mistake.
Consumer complaint received 2020-05-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX / XXXX, and XXXX are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?
Consumer complaint received 2022-11-05
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. (NJ)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account under XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 51681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( ) IN GENERAL Subject to subsection ( c ) any consumer reporting ageney may furnish a consumer report under the following eircumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to fumish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report does not include- ( A ) Subject to section 16815-3 of this title, any.

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 91692g violations Fair Credit Reporting Act 15USC 51681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 91681n ]
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (KY)

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Inaccurate Information Account Name : XXXX XXXX XXXX To Whom It May Concern, I am writing to request a reinvestigation of the inaccurate information reported on my consumer report by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Upon reviewing my credit report, I found that the information pertaining to this account is incorrect and needs your immediate attention. 

Inaccurate Reporting DetailXXXX : The XXXX XXXX XXXX account is reported inaccurately on my credit file. 
Request for Reinvestigation : I request that you conduct a thorough reinvestigation into this account, as the reported information does not accurately reflect my financial history. 

Please provide me with a written response detailing the results of your reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Farrell Holdings, LLC (NV)

After reviewing the loan contract Im confused as to how my total sales price is {$18000.00} if the total amount financed was only {$15000.00} and I put down {$2500.00}. Please assist me, seems like this is a fraudulent contract.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : ITEMS TO DISPUTE Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BANKRUPTCY XXXX XXXX Bankruptcy XX/XX/XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Federal Chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy Court LATE PAYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} PERSONAL INFORMATION : Name : XXXX XXXX XXXX Name : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employers : XXXX Employers : XXXX XXXX
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Finished all required activities but didn't receive account opening bonus. Contacted customer service and the reason they denied the bonus was not listed in required activities term. Citi might be false advertising in the promo email to allure potential customers to deposit money with bonus that they will find every excuse to deny. 

Required Activities Eligible Customers must 1 ) enroll in the AAdvantage Offer between XX/XX/20 to XX/XX/20, and according to the Chart below 2 ) must open a checking account in an Eligible Checking Account Package 3 ) complete a Citibank Debit or ATM Card Purchase corresponding to the Eligible Checking Account Package requirement in the Chart within 60 days of account opening, and 4 ) make 1 or more Qualifying Bill Payments for 2 consecutive calendar months within 60 days of account opening. 

Contacted customer service and got this reply : " Upon checking, I see that you opened this account on XX/XX/2020. 

The promotion states that if you open an account, deposit the minimum balance within 30 days and maintain it for the next 60 days, you'll get the promotional bonus within the next 90 days ( from the 60th day ). 

But I see that you deposited {$50000.00} to this account on XX/XX/XXXX, which was more than 30 days after opening your account. 

So, I'm sorry to inform that your account doesn't qualify for the cash bonus as per this promotion. " After I pointed out that this is not a required activity, the customer service representative came back with another condition that's not clearly specified in the terms. 
" I checked these transactions and see that these payments were set up from your Credit Card account, which makes these payments as ACH debits in your Citibank account. I'm sorry ; but the Qualifying Bill Payments means they should be set up from this account in your CItibank profile. ''
Consumer complaint received 2020-05-15
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. (NY)

I AM VICTIM OF AN IDENTITY THEFT, THE XXXX  XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE. THE CHARGES ARE FRAUDULENT, THE ACCOUNT WAS OPENED MAINTAINED AND CLOSED WITHOUT MY CONSENT.