davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (TN)

All though out the start of the Covid outbreak all the way to XX/XX/XXXX when I paid the account in full. American Express has consistently engaged in questionable and overly aggressive tactics and threats as it relates to my account they closed and for no reason our cause. They continued to draw funds from my account after advising them the account had changed and providing the information verbally due to the limitations on there web site to make the change myself. My wife is a XXXX XXXX and caught XXXX the early part of this year and in XXXX my father passed due to the XXXX. When I called in XXXX and XXXX to explore what options. I could literally hear someone laughing in the background as I was explaining my concerns trying to prevent negative information during the pandemic. I was hung up on, several times as I tried to work with American Express. Finally I ended up taking on three jobs just so I could pay the debt off, because the last call I received a man with a thick accent threatened to turn the account over to a third party if I didnt pay within 24 hours and he was so demanding and aggressive. I have never experienced anything like this before and I know American Express does not operate under these types of values, so I was shocked that with how hard these last two years has been on everyone. The was I was treated when trying to ask for help during this world disaster is just eye opening to be honest.
Consumer complaint received 2023-03-09
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. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX $ XXXX {$3800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

This was a credit card application to XXXX XXXX Bank in XXXX XXXX not bby me but by somebody else. The Bank replied to me saying that " The submitted application has been determined to be suspicious or potentially fraudulent? '' somebody using my information tried to do that, what would they need to try that? my social security number? 
I have lost almost {$100000.00} dollars to fraud by different people. Namely, XXXX XXXX, XXXX XXXX and another man called XXXX XXXX. These people have a syndicate operating out of XXXX, XXXX and I believe they have caused fraud to other people also. 
My XXXX XXXX had {$20000.00} charged to it and they said it was fraud by XXXX XXXX. Other credit cards of mine also have been charged thousands of dollars along with phone purchases from XXXX XXXX XXXX  that I am now having to pay off. 
Thank you for investigating this.
Consumer complaint received 2022-06-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (SC)

XX/XX/2022 My lender with XXXX XXXX XXXX, review my final Closing Disclosure over via phone also receive text of full Closing Disclosure also of Monthly Payment of {$1500.00}. 

XX/XX/2022 closed on my home with all the Closing disclosures docs the same as previously discussed with my lender on XX/XX/2022 with my first payment letter stating that Monthly payment will be {$1500.00}. 

XX/XX/2022 My Mortgage Loan transfer from XXXX XXXX XXXX to The Money Source. 
I received a letter in the mail, thats when notices a significant larger monthly payment of {$1700.00}. 

XX/XX/2022 I called XXXX XXXX and the Money Source multiple times to try to resolve this issue. 
. 
. A mistake was made on there side evolving the Closing docs they need to make it right. All Closing Disclosures are final at the closing table thats fair and the correct thing to do. 

XX/XX/2022 Ive also took this letter to the Lawyer that was present at the Closing table when I signed. 

XX/XX/2022 This issue is still not resolved. Filing a Complaint
Consumer complaint received 2023-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I called caiptal one about my credit card asking them to postpone the due date to pay for the credit card by 3 days. the agent over the phone said yes we will postpone the due date by 3 days to give you time to pay for the balance that was due earlier than expected because credit cards can be due every 4 weeks instead of every 31 days. They closed my card right after that and did not delay payment by 2 days nor even by 1 day, immediately closed the account and sent it to my collections to damage my credit score. I contacted capital one and XXXX both to dispute the charge and they denied to resolve the issue
Consumer complaint received 2022-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

A block was put on my account ; apparently, when I went to change the password as instructed, the app either didn't recognize it ( because I changed the password ), or something else created an issue. I was told that, because I moved out of state, any activity could have triggered an alert which may have blocked my account. The problem is that the phone lines that were offered to me to resolve the issue are either not working or someone forgot to do something while using the phone system, which wreaked haavoc when trying to contact anyone in the fraud department. I was given several phone numbers to try ; each had the same message : 'due to unforeseen circumstances, we are unable to take your call at this time. Please try your call again later. ' This outgoing message has been going on for DAYS ... now, I am unable to pick up my prescription, and as a high risk for XXXX patient, I think that this unforseen circumstance could have been better handled and forseen by the bank administrators. I had to speak with an unruly bank representative and called her back ; she hung up because she didn't have anyone there to help, and my personal banker was with another customer in a meeting. I was finally able to reach my personal banker, but all the numbers she offered had the same outgoing message.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I previously submitted a complaint relating to a fraudulent $ XXXXcharge posted to my account by 5/3rd as part of their Ready Reserve Overdraft , a service I never enrolled in, nor did I authorize. 5/3rd refused to remove the charge insisting that I had enrolled in the Ready Reserve Program however , they were unable to provide evidence of this and indicated that federal law only required they require documentation for 7 years and that the enrollment must have occurred prior to this. Prior transactions confirm this is a false statement, and 5/3rd 's executive office had reviewed these transactions in an effort to demonstrate that I had in fact enrolled in the program and that it had been in place for quite some time, however, when they reviewed the transactions and found that the past overdrafts did not confirm this they mislead your office and continued to misrepresent that I had enrolled in the program and that they simply didn't have the historical documentation. They do not have the documentation because I never enrolled in the program. 

The new issue relates to an attempt 5/3rd made to transfer the funds without my authorization from checking account to cover their fraudulent charge. I was previously enrolled in autopayment however, I deactivated this after 5/3rd refused to remove their fraudulent charge from my account on approximately XX/XX/XXXX. After deactivating autopayment no autopayment was made in XXXX, however, on XX/XX/XXXX 5/3rd attempted to make an autopayment from my checking account in the amount of {$6200.00}. I had proactively withdrawn most of my funds from these 5/3rd accounts assuming this unethical organization may attempt something like this and thus there weren't sufficient funds to cover the transaction and thus it was eventually reversed. I had closed out the affected 5/3rd credit card on XX/XX/XXXX and remitted payment for the account balance however, 5/3rd has now reversed the payment after the account was closed reposting this to the credit card. 

5/3rd is also attempting to charge me interest on this fraudulent charge. You can not charge interest on a fraudulent charge a customer did not authorize, and if the charge wasn't authorized it wouldn't be subject to the terms of the credit card. 

Again the {$5500.00} is a fraudulent and unauthorized charge 5/3rd has posted to my account which I have attempted to dispute and fully demonstrated to 5/3rd that I never enrolled in the Ready Reserve Overdraft program yet they continue to falsely claim I did. I have advised them that I will not be remitting payment for this fraudulent and unauthorized transaction and that should they falsely report this to the credit bureaus I will be disputing the false claims on these grounds and will be suing them for false reporting and any financial damages/losses I incur in association with this including any increased costs of financing.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I was able to review and check my credit report and there are some problems with some of the accounts that are reporting on my credit report. I have no clue why these accounts are being reported on my credit report. As these damages my reputation not just a consumer but also a customer. Please have these remove from my credit report
Consumer complaint received 2023-03-09
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. (CA)

IN accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 States i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-10
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. (GA)

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The XXXXredit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 
Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. 

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (MI)

Avante USA at XXXX South XXXX XXXX XXXX XXXX, TX XXXX phone number ( XXXX ) XXXX was a collection I recently discovered on my consumers report. I do not know this company. Avante USA did not provide me with any verification of claimed debt or permission to place it on my credit report. Never been contacted by Avante USA in regard to an outstanding balance of {$1300.00}. I have never done business with this company nor does this company have my permission to keep violating my rights by providing incorrect information.
Consumer complaint received 2023-05-09
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. (OH)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$97.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

am writing to file a formal complaint against Lane Bryant, a retail company, regarding their persistent and intrusive phone calls, which I believe violate consumer rights and privacy regulations. I am seeking the assistance of the Consumer Protection Bureau to address this matter. 

For the past several weeks, I have been subjected to relentless and untimely phone calls from Lane Bryant representatives. These calls occur at highly inappropriate hours, including late evenings and weekends, disrupting my personal life and causing significant distress. 

I want to emphasize that I have neither solicited nor given my consent for these calls. The continuous invasion of my privacy and the disregard for my right to peace and quiet are not only unacceptable but also raise serious concerns about Lane Bryant 's business practices. 

Despite my attempts to address this issue directly with Lane Bryant 's customer service, the calls have persisted, and the problem remains unresolved. Therefore, I believe it is necessary to escalate this matter to the Consumer Protection Bureau to ensure my rights as a consumer are upheld and that Lane Bryant is held accountable for its actions. 

I kindly request that the Consumer Protection Bureau thoroughly investigates this complaint and takes appropriate action against Lane Bryant if violations of consumer protection laws are found. I believe it is crucial to protect consumers from unwarranted intrusions and to ensure that companies like Lane Bryant adhere to established regulations. 

Enclosed with this email, please find evidence of the repeated calls, including call logs and any written communication with Lane Bryant regarding this issue. 

I appreciate your prompt attention to this matter, and I trust that the Consumer Protection Bureau will work diligently to address this complaint and help ensure that my rights as a consumer are upheld. 

Thank you for your assistance in resolving this issue. 


I included sample days of inappropriate times called and numerous times.
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. (NV)

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. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX 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 2022-07-18
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX