davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY (MN)

I am in debt. Big debt. I contacted XXXX in XXXX to help me, especially with my credit cards. They were able to negotiate a lower rate for my XXXX credit card, and they are taking care of that now. 
My American Express card, however, was on a promotion, so the application for a debt management program was rejected. The promotion ended in XXXX. The DMP was accepted, then the payment was increased, then the whole thing was rejected. 
I received a letter from AmEx telling me to contact them about their internal DMPs. So I did. 
Once again, I was rejected. The customer service rep, however, could n't tell me why. No one can tell me why. Apparently, no one knows why. I kept asking how I was supposed to correct the problem if I did n't know what it was, but I got the same answer. 
One representative told me she thought it was because my account was current. ( I have been making regular payments of a little more than the minimum. ) I should skip my XXXX payment and call back, she said. Or, I could call back closer to my due date so it looked like nonpayment was more imminent. She would not close my account, even though I asked her to do so at least twice. 
Another rep told me to reapply in 60 days. 
XXXX was told to reapply in 60 days, but another rep told them that a rejection was final. 

What the heck?
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (NC)

This is aimed towards the BB & T Branch at XXXX XXXX XXXX XXXX Phone number XXXX. On XX/XX/2017 there were several fraudulent checks deposited into my bank account ( that did n't even have my correct signature on them ) in the amounts of {$8800.00}, {$360.00}, {$200.00}, and {$250.00} I immediately went to my bank the next day they were opened ( Monday ) and attempted to file a claim. I was told that i could n't file a claim until the checks posted in my account ... .I said okay and immediately after i left the bank i went to file a police report so they could get the video footage at the ATM that the deposits were made. After a few days without hearing anything at all I went into the branch to see if i could file the claim now. I filed the claim ( on all of the deposits except the {$8800.00} amount since it did n't post in my account yet ) and waited to get results on how long i was going to be able to recieve the original funds in my account before the fraud checks were deposited, which is {$630.00} as of XX/XX/2017 ( and i also have photo proof of that amount ). I also called the Centralized Fraud Claims team multiple times while waiting on a time frame, just to be sent to another department and had to wait another 20 minutes to get somebody on the line. It was very frustrating. Bb & t finally got photo proof of the individual who made the deposits ( and OF COURSE it was not me ) but they still feel that my claim should be denied and on top of that the manager told me i would have to cover the negative balance of - {$640.00} in my account! So i am not only falling behind on bills and basically throwing away {$630.00} but i also have to pay the negative balance on top of that???!!! This is very very unfair and i wish to dispute this today to get my funds back! I have bills that i already have late fees on since my account was closed for over 10 days until they even made the decision to deny my claim.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (PA)

I sent Experian a dispute on XXXX/XXXX/2016, XXXX/XXXX/2016, and again on XXXX/XXXX/2016. It is now XXXX/XXXX/2016 and I have not heard back from them. According to the FCRA, Experian has 30 days to investigate the dispute and send me the results, if they do not get back to me they are supposed to delete the disputed accounts. I understanding going a few days over but, it 's been over 3 months and I have not heard anything back from Experian. Please contact Experian and have them delete the disputed accounts off my credit report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number : XXXX : Balance : - {$8200.00} Account Name : XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : - {$1100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX : Balance : {$0.00} Account Name : ( XXXX Original Creditor ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2016-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I questioned an item on my EQUIFAX credit report. This was originally a dispute between XXXX XXXX XXXX XXXX XXXX ( XXXX ) and services provided by XXXX. I left the XXXX area in XXXX, and was not aware of the status of this claim until just recently. I requested that Equifax delete the item as the statute of limitations ( SOL ) in the case ( 3 years ), had expired. The case was filed by " XXXX '' on XXXX XXXX, XXXX. Equifax has not responded to my request. Furthermore, this item is not showing up on credit reports of other credit reporting agencies ( e.g. XXXX ). Can you help me to get this item deleted from the Equifax credit report and resolve this case?
Consumer complaint received 2017-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

3 times XXXX has not pulled a planned scheduled payment out of my bank account. They blame my bank or say they " have no idea what happened '' then instead of trying to process the monthly federal school loan payment again, they defer my loan. Creating higher interest. This has happened to me 3 times, and to my mother twice. They act clueless when you ask questions and tell you they have no idea where my bank account info is or the payment bank info for my account has disappeared all together. This is a SCAM. And I will Not tolerate it.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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

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

I demand the late payment reported in XXXX to be removed. 

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

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

XXXX XXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2016-04-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC (TX)

I was NEVER sent a bill of the original amount or given an opportunity to pay. When this company started calling, they asked for XXXX XXXX ( my name is XXXX ) and told me repeatedly that the last XXXX of my SSN # DID NOT MATCH the account on file and they COULD NOT talk to me about the debt. This happened over 10 times. Then this bill shows up on my credit report, upon seeing it there in XXXX I called IMMEDIATELY to take care of it! They again had XXXX XXXX as the name on the account and told me that my SSN did not match the account holder 's. It took hours to get this straightened out. This account was settled immediately. This ended up in collection due to THEIR horrific error.
Consumer complaint received 2016-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Collection Agencies, Inc. (MT)

XXXX the lawyer or Action collection levied my bank account five months ago. These monies have still not posted to my account. XXXX office said the monies are with XXXX investigation and they say the monies are with action collection. It has been five months sense the took my money from my bank account, XXXX number is XXXX Action collection number is XXXX XXXX investigation number is XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-09-09
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: EQUIFAX, INC. (LA)

Regarding the recent Equifax data breach reported on XXXX XXXX, 2017, I am joining others in complaining about the lack of care this company took with our valuable personal information. We should not have to enroll in a service that they will charge us for once the so-called free trial period expires and we forget to opt out. Furthermore, the company 's former executives clearly violated SEC rules and made a bunch of money before making this known to the public. They should be fined and the proceeds go to provide credit monitoring for those of us affected by the data breach.
Consumer complaint received 2024-08-03
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXXXX XXXX XX/XX/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 2016-04-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (TX)

Continued posting to my credit report unde Pinnacle stating I had this debt in XX/XX/XXXX then re aged debt to XX/XX/XXXX, XXXX stated it was fraudulent and then sent letter stating nothing of what they said they would do Both companies XXXX and Pinnacle are ruining my credit. It is the only negative item in my report this is costing me XXXX in trying to buy a home please see below. I need a delete letter from pinnacle Thank you
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

I have the citi prestige card. It is supposed to reimburse your airline credit in the amount of {$250.00} every year. I made a purchase on XXXX XXXX on XXXX XXXX. When it did n't post i called and they told me that i needed to fax in a copy of my ticket. I did this, waited a couple weeks and called in again. They said they never got it. I then talked with XXXX from team XXXX who assured me that this would be taken care of if I emailed him a copy of my tickets. I emailed it to him like he said - elite @ citibank in the subject line i put attn : XXXX, team XXXX. My husband also had to do this. Eventually my husband 's posted but mine still has n't. 

Here is where it gets even worse, i have now contacted citi about this 11 times.On times 1-9 they said that i would post on next statement and if it did n't they would follow up with me. Well, very frustratingly, they have never posted and they never follow up with me. Yesterday, through private message ( time # 10 ), XXXX told me it did n't qualify. This floored me after all these contacts i have had with citi and i called in. The lady i spoke to 2 mroe times yesterday assured me that she would contact her supervisor when he arrived and call me back and take care of it. 

Guess, what, she never called back! I know this should n't surprise me as that is what everyone has done. I would encourage Citi to go back in and look and the contact i have had and time i have devoted into getting my airline credit on this expensive card. I have no doubt spend over 6 hours of frustration trying to get this done on my time outside of work. I am very highly disappointed in Citi 's actions. It seems to be a textbook case of how not to run a business.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX : Balance : {$1300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$460.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

After 3 requests sent certified mail with electronic delivery confirmation Transunion is still reporting the same inaccurate information. They send back a statement that says it has been verified even after 2 requests for method of validation and who they spoke with. I have requested they delete the trade line due to their lack of verification or proof that this is in fact my debt at all. I do not understand how they can accurately report information that they do not have.
Consumer complaint received 2016-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Yesterday in finding that Bank of America had passed my loan servicing onto another company due to their incompetence, I sent not as much a complaint as statement but now I have formulated the basis of another complaint. Bank of America has consistently proven their incompetence and/or pure disregard for providing competent services so all of this should be of no surprise. 

The basis of the complaint is that Bank of America in passing this loan on has reported 1 ) an incorrect balance owed on the account and 2 ) an incorrect status. 

Incorrect status : I have now provided BoA twice my insurance information and that includes the documentation from last year and this year and twice they have ignored at least part of it. The 2nd time I provided this was just a few weeks ago and as with the 1st time, it 's documented with the CFPB as that 's how it was submitted. This should have cleared all past amounts owed, it should have lead to the entire account being 'reset ', all fees eliminated and come with an acknowledgement that Bank of America was wrong. Instead it appears they did nothing except report that the account is delinquent subsequently leading to all sorts of threats from the new servicer. That status of the account should be that all payments have been made and is up-to-date and I have the documentation to prove all requested documentation has been provided and all payments have been made. 

Incorrect balance : There are several issues that make the balance due incorrect. The first is related to the above status and Bank of America not making necessary and proper adjustments to the account once I sent for a second time the insurance information. 2 ) Bank of America has yet to justify fees it charged a couple years ago so that means they owe me I believe it was around {$120.00} plus interest now which should be an adjustment to the loan balance. 3 ) Bank of America for quite some time was incorrectly and perhaps even illegally mis-applying my payments. I was paying twice monthly but they were holding and posting the 'mid ' payment at the end of the month. That payment is intended to pay down the loan more quickly so they denied that opportunity and by holding the money claimed more interest and held my loan balance higher. All of that needs to be fully adjusted. 

Just to be clear, these are two totally new issues, Bank of America can not claim they have already addressed these issues and also can not claim they are no longer the servicer as the basis of the complaint is that they passed this mis-information onto the new servicer. The issues are the loan balance and the loan status.