davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IA)

I Received an email on XX/XX/22 from XXXX that i thought and I call the XXXX so they said that order for something of {$710.00} watch have not all and when I call the number they told me that owe me the money and they said that put in the my account. 
turn out they told to go and get some card of {$500.00} each of three and to keep the phone on while going in the store for buying the cards and after when i was out of the store to send photos both front and back of the card. 
Then told not check my bank account for 12 hours if I did my bank will lock me out of me. 
I also lost them on the Phone and an AL phone number it will be on the pages I will send you ok. 
When call back that see what happen ask them to return the money and to pay the overdraft fee of next {$700.00} and then told to get another two gift cards total of {$500.00} told me not go online 24 hours and i went call online banking 24 hours banking. 
When see what happen I change the pin number and it didn't help found an way to get the money in the long run after all I went to the cops to reporting it. 
I'm send the information ok.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have previously disputed US BANKRUPTCY COURT - XXXX XXXX XXXX XXXX XXXX, regarding bankruptcy dated XX/XX/year>, with all credit reporting agencies. In response, they verified the information as accurate, claiming they had confirmed the details with the courts. 
After reaching out to the courts directly, I received a response that is attached here. It clearly shows that the courts do not report to any credit reporting agencies. This indicates that the previous verification with the courts was either an error or potentially fraudulent. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgments ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Regardless, the reporting of this information fails to meet the requirements of FCRA Section 611 ( 15 U.S.C. 1681 ), and as such, the bankruptcy entry must be deleted from my credit file immediately. Additionally, under FCRA 15 U.S.C. 1681b, any entity reporting or accessing my credit information must have a valid permissible purpose. I have not authorized any such permissible purpose for the continued reporting of this bankruptcy. As no lawful reason exists for this information to remain on my report, I demand its immediate removal.
Consumer complaint received 2022-06-24
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: Continental Finance Company, LLC (FL)

In accordance with the Fair Credit Reporting act XXXX Account ending in # 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
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I called the company American Eagle/SyncBank on XX/XX/year> to settle out the account they told me I can settle the account with an amount of {$200.00} and that they would remove from my credit report. I was also told that the call was on a recorded line. Well like a week later they changed my credit report saying that I owed them a balance so I called them back and spoke to the manager and was also told that it would be corrected to what I was told on a recorded line. So now a few days after that they sent me a email stating that my account was placed on a payment plan which is not true. I want this account removed from my account or I will sent legal counsel because I know my rights and they have violated them.
Consumer complaint received 2022-06-24
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. (PA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company has called me and my wife an average of 4 times a week for the last three years. We have asked them to cease this and send proof of the debt countless times and they have refused. They have sworn at us, called us deadbeats and refused to stop calling. They have yet to provide any information about the supposed debt ( s ) and refuse to provide any information on the phone without us revealing information such as our social security numbers. We have blocked their numbers but they call from a new number each time. I also believe these are robocalls because when I answer I sometimes don't say anything and the call disconnects after 15 to 20 seconds without anyone on the other end saying anything.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FULTON FINANCIAL CORPORATION (VA)

Our mortgage was acquired by Fulton Bank ( aka Fulton Financial ) on XX/XX/XXXX. Our statement/billing address has been incorrect since then. We have tried every month to get this issue correct by both online servicing and calling in to their customer service center. Most recently on XX/XX/XXXX we called in an were told their mortgage servicing system is " down ''. While this is believable, there is always some reason why they can not accomplish this basic task. Their website also does not allow us to login - we were able to access it one time but since then it also either has issues or does not recognize our account.
Consumer complaint received 2022-01-20
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: JPMORGAN CHASE & CO. (CA)

Dear CFPB Professional! 

I have applied for and on XX/XX/2021 I was successfully approved for a CHASE Freedom XXXX XXXX XXXX What made me go with this card is the specific promotion which states the following ( I have screenshots saved for this purpose so I am quoting ) : " Earn 5 % cashback on grocery store purchases up to $ XXXX spent in the first year. '' Fast forward I was denied this benefit without notification or explanation. I contacted the bank via secured messages on XXXX and after 10 days, on XXXX I was given an answer that I am simply not getting it. There was no explanation offered whatsoever. After that, I called the bank and spoke to the account XXXX named XXXX. He refused to tell me his ID number or identify himself in any way but his name. He told me that different customers get different benefits. I asked him if this situation reminds him of the bait-and-switch tactic used by used cars salesmen and he just agreed. He took my complaint and then admitted that it goes nowhere and no resolution will be offered. He told me that this situation is final and the bank refuses to do anything about it. Period. 

I find this situation outrageous and ask for you to step in and help me navigate this situation. This is a false advertisement, a bait-and-switch tactic that is completely illegal.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

Opened Citi checking account on the XXXX. Deposited {$15000.00} from my XXXX account and additional funds from my XXXX XXXX account. I made several payments, which were pending, and suddenly the day after scheduling and making payments, Citi closed my account. I was locked out of my account, could not obtain any information, and could not access my funds. Rather than allowing me the decency of knowing why it was closed and allowing me to withdraw the funds, Citi 's " back office '' closed the account without notification. I called customer service and spoke to account supervisors. None could describe the reason, nor answer questions about pending payments. Just that I would receive a letter in 30 - 60 days and a separate check in the mail of the remaining funds, which I can not verify or crosscheck the information due to being locked out. This is not only an unfair business practice to withhold funds, but it is egregious. I can not pay my bills, access my own money, and I feel helpless to do anything. It is unacceptable.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ReliaMax Holding Company (NY)

I was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted XXXX XXXX XXXX company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to Reliamax. XXXX XXXX XXXX company contacted Reliamax and got my loan further reduced to {$27000.00}. Which is how much I paid Reliamax. I completed the payments in XXXX of 2020. And now they gave my account to XXXX XXXX collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their debt.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

my mom has a account with bank of america and her mortgage is trough them as well, she passed inXXXX of XXXX. I started the process right after that, sat down with a probate lawyer and filed all the papper work etc.my then lawyer told me that i did not need to pay mortgage payments while in probate, altough 7 months later i was told by my second probate lawyer that was not correct. I XXXX i got a letter from BofA stating my moms house would go in to foreclosure XXXX, at that time i contacted BofA they told me regardless of what my lawyer had said i needed to make payments hopefully at least no more than three months behind. i made one payment that month, I had already spent over XXXX dollars on the house during the year in repairs from the previous winter freeze. had i known i never would of let it get so far behind.I then got my probate court date for XX/XX/XXXX, I agin contacted BofA and let them know my court date was 2 days after the date of foreclosure, they said i still needed to make a payment, but that it would not start right away. i told them that i was applying for a new credit card to put the payments on it.i contacted BofA after my probate hearing told them that i was waiting on my paperwork from the court and would get it to them as soon as i got it. on XX/XX/XXXX attempted to make a payment by credit card but was told it had to be made in cash or check. XX/XX/XXXX i went and picked up my paperwork from XXXX courthouse and took it to the XXXX XXXX BofA to turn it in i was then told i had to mail it or fax it toBofA, i did it that night and have the conformation. The next day I took XXXX dollars cash to the XXXX XXXX BofA to pay my back payments, I was told they could not take my payment but to call the customer service number, after 35 min conversation with 3 different depts. they told me my moms house was Now in foreclosure and if i wanted they could send the New price out to me with court fees, lawyer fees and who knows what else.on XX/XX/XXXX i contacted BofA customer service and after getting them to get me to talk with XXXX in foreclosure she was able to tell me the same day i turned my paperwork from the courts to BofA is the the same day they took the foreclosure from inactive to active. i have the money now thanks to a insurance policy my mom had that i had no idea of that i got on XX/XX/XXXX to pay for my moms house, but I beyond OUTRAGED of the way I have been treated by Bank Of America.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. 
XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-01-25
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 (NY)

XX/XX/XXXX- Card  was stolen/lost. Reported to BofA, received new card with the same number XX/XX/XXXX - Fraudulent charge for {$1300.00}, reported immediately and was notified that chip was used ( likely the lost card, which number was not changed ). Received {$1300.00} credit. 
XX/XX/XXXX - Notified that claim was found to be legitimate due to chip usage and {$1300.00} credit was reversed ( balance of {$0.00} ). I requested claim be reopened, same result. 
XXXX XX/XX/XXXX - Filed police report on advice of BofA, sent police report to BofA and asked case to be re-opened, was assured this would be resolved quickly. 
XX/XX/XXXX - Received letter from BofA stating the claim has been resolved in my favora and a credit would be added to my account. No credit was added. I called back to BofA and was told they would reopen my case to get the credit added. 
XX/XX/XXXX - An ADDITIONAL {$1300.00} charge was added to my account by fraud claims. Now BofA is taking {$1300.00} from me ON TOP OF the original {$1300.00} fraudulent charge. 
XX/XX/XXXX - Call back and BofA tells me the reopened claim was denied, initially claims that they did not receive the police report and I would need to resend ( which I did ). However, a supervisor ( XXXX from Texas ) then confirms that they received the police report. Same supervisor then told me they need to reopen the claim again and require 10 business days to resolve, and that they can not resolve the problem immediately.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have identified discrepancies in the reporting of an account with XXXX  XXXX ( Account # XXXX ) **. Below, I outline the specific issues and request prompt investigation and correction of the inaccurate data. 

Details of Discrepancies 1. Inconsistent Closure Dates : According to TransUnion, the account is reported as closed on XX/XX/year>2020, while XXXX does not list any closure date, and XXXX provides inconsistent reporting. 
Request : Please confirm and correct the accurate closure date across all three bureaus to ensure consistency. 
2. Charge-Off Reporting Accuracy : The account is marked as a charge-off with a {$0.00} balance owed. However, if the balance was resolved in XX/XX/scrub> 2020, the charge-off status should include clarification that the account was paid or resolved after the charge-off. This is critical to accurately reflect the status of the account to future creditors. 
Request : Verify whether the charge-off status includes proper resolution details, and update accordingly. 
XXXX. Payment History Discrepancy : The payment history shows multiple CO ( Charge-Off ) marks for the period between XX/XX/year>2020 and XX/XX/scrub> 2020, but the remarks indicate payment after charge-off/collection. If payments were made or the account was settled during this period, the payment history may not be accurate. 
Request : Please verify the payment history for this period and update any inaccuracies to ensure the record reflects actual payments or account resolution. 
XXXX. Dispute Resolution Timeline : Both XXXX and XXXX note that the account was in dispute. If the creditor failed to resolve the dispute within the legally mandated 30-day period or if incomplete/inaccurate information persisted during the dispute, this is a violation of my rights under the FCRA. 
Request : Provide documentation confirming when the dispute was initiated, investigated, and resolved, and ensure the current reporting reflects accurate dispute outcomes. 

Action Requested I respectfully request that you : Investigate the discrepancies outlined above with the data furnisher ( XXXX XXXX ). 
Provide me with an updated credit report reflecting corrections. 
Inform me of the results of your investigation within 30 days, as required under the FCRA. 


Proof of identity is attached below
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX