davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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 (TX)

On XX/XX/XXXX I placed an order for a dining table, a breakfast table and 4 chairs for {$1500.00} ( XXXX including tax ). I initially was told that the shipping would cost from XXXX to XXXX dollars by the manufacturer. But later, they came back with a shipping price of more that XXXX dollars which was way above my budget, leaving me no choice but to find a different shipping company on XXXX The shipping company gave me a quote of {$680.00} and took charge of the items from the manufacturer ( or so the manufacturer claims ). At this point they started holding the items XXXX and asking for more money ( XXXXXXXX XXXX ). I reached out to XXXX to resolve this and talked to someone named XXXX XXXX from customer service. They basically refused to help. 
I tried to resolve this with the shipper multiple times by asking them to adhere to the agreed upon price. However, they wanted to keep items so they can sell themselves and make more money. They resorted to threats and profanities. 
On XXXX, i applied for a refund from XXXX. They have not reached out to me for additional information but have been in contact with the manufacturer and shipper. 
I have not received ANYTHING from the manufacturer or shipper. 
I am owed the full amount of my receipt. 
The receipt, contract, invoice is attached to this letter as requested. Per the policy I have applied for a refund via XXXX website, but have not received anything. 
Here is the policy details from XXXX website : Your actual payment will be fully covered If the quality of the products does not match the standards set in your contract or the supplier did not ship the goods on time, you will be eligible for a refund within 30 days of delivery. 
Regarding the circumstances surrounding the merchants failure : The manufacturer/ shipper are trying to defraud customer by making them pay for furniture and trying to also sell the furniture by themselves. The merchant XXXX is enabling this behaviour by turning a blind eye. 
Order number : XXXX cancellation case number : XXXX ( rejected by XXXX ) I opened this dispute with my bank of america credit card and provided them all the evidence. Despite that, they charged me the full amount of the transaction saying that i received the goods which i didn't.The goods were delivered to new jersey based on the documentation provided by merchant whereas i live in texas.
Consumer complaint received 2022-10-12
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. (CA)

So I filled a complaint XX/XX/2022 On Equifax on how they did not do a proper re-investigation since they didnt do the job the first time explaining to them all accounts were still incorrect complaint number XXXX ( filed with CFPB ) they then send me in the mail that they cant verify me and need more information on XX/XX/2022 but yet they had my information when I sent it in, thats how they did the false INVESTIGATION THEY CLAIM THEY DID!. This is very unprofessional on their behalf they need to respond to my CFPB complaint and delete the accounts I am a living person protected with federal rights that they have violated this is my second complaint with CFPB now. Date XX/XX/2022 and I was a victim/Affected due to equifax data breach as well with proof
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX These people are complete slime. They knowingly provide a vehicle for organized crime, XXXX traffickers, and money launderers to run their scams and get paid through credit card swipes instead of cash. Some of the front businesses laundering money that AMEX cards are used in employ victims who don't speak XXXX and are solely being used as slaves in the XXXX XXXX XXXX  industry. 

We paid them off anyway just to get rid of AMEX. AMEX makes millions from this activity and interest payments on obscene charges and they hide behind the law and their terms and conditions. They are also liars who have a legal department who puts things in writing and then ignores it because they assume they can push anybody around. They are bankers for criminals. 

This is solely filed for any federal law enforcement agency who cares to bust this scam to contact me at any point in the future. 

XXXX.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (IL)

To whom this concerns : This company is reporting negative misleading information to the three major credit bureaus XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX. And this is a formal complaint that XXXX XXXX XXXX, XXXX are reporting inaccurate and incomplete information under a different name which is a Violations. I am very upset. And amazed that the government allows these agencies to make such obvious errors on people credit file which is damaging. However I'm willing to do whatever it takes to make sure this collection agency get held responsible for poor reporting practices. And for the record I'll restate my request. I need evidence of proof of the alleged Debt specifically the alleged contract or other instruments authenticated bearing my signature all authenticated documents.
Consumer complaint received 2022-06-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

The below complaint against XXXX  was addressed to a XXXX XXXX from California in reply, nothing at all to do with myself or my account... I do not know the reason XXXX  rep sent this reply to CFPB in reply to my complaint, it appears to be another error on end of XXXX  .... 

Payment in the amount of {$50.00} made via bill pay through XXXX, account issued by XXXX XXXX on XX/XX/XXXX has not posted as of XX/XX/XXXX. Payment made to XXXX  account. I've used this same account, XXXX, in the past to make payments, all of which have posted with no issue, there appears to be an error on end of XXXX.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I have been unable to access any accounts linked with Comenity Bank for five days, and therefore, am unable to view my statements and make payments as necessary. There has been no solid information from the company on their social media platforms regarding the continued outages and it seems as if there is more going on than scheduled maintenance, but the company refuses to admit as such. Even Comenity 's XXXX is unavailable. 

I have also tried calling their offices to schedule payment, but their phone lines are not operating, and therefore, I am completely unable to contact someone. This could very well lead to late payment charges, an increase in interest, incorrect reporting on my credit report, etc. 

This is unacceptable and is more than a simple inconvenience ; an inconvenience would be the website being down for an hour or two longer than expected, not for five plus days. The blatant disregard for customers and access to their accounts is disheartening from Comenity, especially when they refuse to give straightforward answers to anyone.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (LA)

I have a Comenity Ann Taylor XXXX XXXX  XXXX that I have only used at an Ann Taylor/XXXX  store or, on line. XXXX of 2021 several charges began appearing from a company called XXXX XXXX which according to their web site is a supplement and diet company. There were also charges for XXXX and a gym membership in XXXX  and I live in XXXX. The company reversed all the charges and opened a new account for me. Then they transferred the fraudulent charges from XXXX XXXX to my new account. I began another campaign to have them remove the charges as I did not make them. I was told to call the phone number, which I had already done and the phone number is NOT A WORKING NUMBER. They gave me an email address which goes nowhere to have the subscription I initiated stopped and to get a credit from them. A. I did not at any time subscribe to this company ; and, B. Comenity is the one who won't investigate the fraudulent charges. I was then told I had been given 3 chances to prove that I did not make these charges and since they won't accept my pleadings, they are done. Since Comenity is in Ohio I reached out to the fraud department through the Ohio Attorney General and they directed me to this office. I have the statements and a recap of what I have sent to them to support my claim. I have been told by them that it is my responsibility to have this rectified with a company who has not working phone number and who does not respond to emails.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC
Consumer complaint received 2022-11-18
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. (GA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-12-08
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: AMERICAN EXPRESS COMPANY (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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: Synovus Bank (DE)

First Progress Card was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " CARES Act '' ) Pub.L. 116-136. First Progress Card was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to  XXXX. XX/XX/2021 " First Progress Card '' reported the account as 30 days late again. Then 60 days late in XXXX and  reflected as current in XX/XX/2021. The discrepancies continued, where XXXX reflected 30 days late and  XX/XX/2021 as 60 days late. Then current in XXXX and  back to 30 days late in XX/XX/2021 and  60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. First Progress Card was notified on XX/XX/2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and  again on XX/XX/2021. It was First Progress Card due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to  negative all in XXXX.
Consumer complaint received 2021-12-08
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply withF air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX  XXXX )
Consumer complaint received 2022-06-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

This complaint is in regards to American Financial Network ( AFN ). 

I am trying to complete. A supplemental equity loan using XXXX XXXX XXXXXXXX. I initially reached out to my loan officer at AFN by the name of XXXX XXXX. At first he answered my call. But when u sent him the form that he needs to sign to afield he that I am pulling equity from my property he started avoiding me. For the past month I have called American financial network twice a day to get the form signed. They told me to upload electronically in their system and that someone would review it in a week and a half. After the given time period the form was still not signed. One 3 separate additional days I was promised it would be signed. Still no signature. AFN continues to dodge my phone calls or provide support in singing my subornation form to complete my application with XXXX.
Consumer complaint received 2022-01-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carvana Group, LLC (VA)

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to XXXX as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against XXXX in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 BRIDGECREST is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against XXXX for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. XXXX has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

My Payment Due date is XX/XX/XXXX I paid off my credit card on XX/XX/XXXX. 

XX/XX/XXXX I was charged interest, XX/XX/XXXX I received a late fee on the interest not paid on XX/XX/XXXX and on XX/XX/XXXX I was charged a minimum charge fee.
Consumer complaint received 2021-12-08
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: NAVY FEDERAL CREDIT UNION (NJ)

On XX/XX/2021, XXXX notified me that I have received an " inquiry '' from Navy FederaXXXX which was not authorized from me
Consumer complaint received 2022-04-01
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. (FL)

XXXX, XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX 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  FL XXXX XXXX XXXX # : XXXX Source : XXXXXXXX File Date : Amount : Status Date XXXX XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX XXXX XXXX *** CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS ; XXXX XXXX, XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I've contacted Suntrust ( Truist ) in XXXX prior to my property tax being due. They assured me that they would be in contact with my city and they would use the escrow to pay the taxes. In XXXX, I found that the supplemental bill was not paid and now late fees exist. I contacted Suntrust ( Truist ) once again in XXXX after finding out that multiple tax invoices were not paid! A representative informed that Suntrust Mortgage will be in contact with my city and pay the taxes and that they would be responsible for the fees. The representative then proceeded to inform me to contact them again in late XXXX for an update. Fast forward to late XXXX and I contact them, yet I start having issues with getting ahold of anyone. The phone system fails and the wait time is 30 min. I begin emailing them and still no reply. Finally, once I get ahold of someone I am disconnected and they do not call me back. I contacted my city and my city is still expecting three outstanding equaling to be about {$4000.00} dollars. My city informs me that the only payments they have received is interest payments. So, I need confirmation that the interest payments are not being charged to me and that Suntust is paying them and are being held accountable. I need explanation as to why it is taking them so long to pay my city since interest is compounding. The Suntrust web portal has line items on my account mentioning the late fee payments which leads me to believe they are passing those late fees off to me and thus not motivated in paying my city anytime soon! My monthly mortgage payment increased because my escrow doubled. I have not been given an explanation on the mechanics behind the increase. I have not received an explanation as to why its taking them so long to pay my city. I need transparency and I need help having Suntrust held accountable. I am will to exhaust all efforts in making this right. I hope they are as motivated as I am!
Consumer complaint received 2022-04-12
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. (WV)

I have gotten emails from XXXX. XXXX and Experian starting XXXX stating I applied for multiple credit cards through companies including XXXX XXXX and XXXX XXXX. I thought I put a freeze on my credit reports with XXXX, XXXX, and Experian but I am still getting emails from XXXX XXXX about new credit cards. The person doing this is continuing to do it and nothing is happening to protect me. Ive contacted all 3 major bureaus about this issue and they havent done anything besides dispute the credit cards from my reports. They continue to pop up on my report, the person who has my information just spent XXXX $ on a XXXX XXXX XXXX  in my name. I contacted XXXX XXXX and they ensured me the card would be removed from my name and the account would be closed, neither has happened. This is very stressful because Im worried the person stealing my identity will continue to do so and move onto my things like my 401k, taxes, and even my bank account. There is also another persons address on my reports, i just want this to be fixed before its too late.