davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the in the US Bankruptcy Court of XXXX XXXX, and it appeared on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

USAA allowed {$8000.00} to be fraudulently transferred from my savings account despite being warned fraudulent activities were being executed. I disputed the transactions and USAA returned part of the funds but not all. I am still missing {$1400.00} and once again no one has notified me that my accounts were compromised and offered any resolution or concern to the fraudulent activity. Its like they dont care or are not concerned about my account security.
Consumer complaint received 2022-08-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

In XX/XX/2022, I notified USAA FEDERAL SAVINGS that the cash back rewards amounting to {$1200.00} were erroneously removed from my account. USAA informed me the money was used to purchase gift cards. I disputed the claim and still have not received resolution. Despite me reporting to USAA that fraudulent use of the cash back rewards points occurred, USAA continued to allow additional purchases of gift cards through my account. Totaling more than {$1700.00} cash back rewards being fraudulently removed from my account. Once again USAA fraud department did not contact me via email, phone, or mail to notify me of the fraud activity or that my account is comprised.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

In XXXX I made an online purchase using Commenity Bank 's XXXX 's credit card. ( Acct. XXXX ). The package arrived in a XXXX 's box. I checked online for the charge ; it never appeared. When I spoke to a Customer Service Rep., I was told I had a XXXX balance. Today, I received a collection call from Commenity Bank 's XXXX 's credit card. I was informed that I have an overdue balance of {$76.00}, which includes a {$27.00} late fee. No one could explain why the online XXXX 's purchase was charged to my XXXX 's account ( XXXX ). 

I will pay the cost of the items and the minimum interest. I dispute that I owe a late fee as the items were changed to a different vendor without my knowledge. I have spent hours on the phone in an attempt to resolve this matter. Customer Support personnel are very difficult to hear and to understand. Moreover, my multiple requests to speak to a supervisor resulted in a retransfers into the extended-wait-time queue.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (NH)

Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS Loan # XXXX My loan had been with XXXX XXXXXXXX XXXX for the past 15 years. It was recently transferred to Select Portfolio Servicing - SPS. I got the notice of the servicing release from Bank XXXX XXXX as well as the Notice of Servicing Transfer from SPS. The transfer was effective on XX/XX/2022 and I am due for the 8/1 mortgage payment. I have revied the fee schedule for making an online payment but have not been given a grace period nor an opportunity to set up automatic payments to avoid any such fee. 

I tried calling and they said that this is their standard fee.
Consumer complaint received 2022-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, Experian and XXXX are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XXXX at XXXX XXXX. received emails from Bank of America ( BofA ) to confirm my email address ( I did not ) and that my credit card application had been received ( I did not apply ). I also got a text and email from XXXX that there was a new inquiry from BofA. I attempted to contact BofA but could not reach a person due to not having account information with the bank myself to get started with the telephone prompts. I called XXXX who wanted me to try to resolve with the bank first. ( Both XXXX and XXXX blocked the inquiry because I had those accounts locked. ) At XXXX XXXX. I received an email from BofA that my credit card application had been approved. So I drove to a local branch who gave me more telephone numbers to call. I finally reached a person but it was the wrong department, was given another number to call but now I had to wait until the next day due to the time difference and their hours. 
On XXXX I reached a person who was able to help me, ultimately gave me a XXXX XXXX and confirmed that the mailing of the credit card had been stopped. Further, this person initiated a " Credit Bureau Dispute '' on my behalf. 
At XXXXXXXX XXXX. another email from BofA came in that I did not see until the morning of the XXXX, telling me the new credit card had been mailed to me and the address it was mailed to ( not mine of course ). 
On XXXX I contacted my local sheriff 's office and an officer came to my home to take my complaint and assigned a Case number to it.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (TX)

Around XX/XX/2022, i decided to trade in my old car for another vehicle at a Car dealership. I wanted to fund with XXXX XXXXXXXX, since i had an account there, or XXXX XXXX XXXX XXXX I financed with XXXX  consumer for the purchase of this vehicle. I did not give consent for any other inquiries to be made, that which include six or so financial lenders requested without my consent, and made on behalf of the dealership without my knowing. I file this dispute to remove unauthorized inquiries that show on my credit report made on XX/XX/2022, by the exception of XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-10
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: AMERICAN EXPRESS COMPANY (AZ)

To Whom It May Concern : My American Express credit card account statement ending in XXXX shows a payment, a balance of XXXX, that should have not been made. I am writing to tell you that the payments were unauthorized charges. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau against American Express. Specifically, I authorized debits to a cosmetics company in Hawaii by the name of XXXX, in error, and under duress on XX/XX/2022, but revoked the authorization on XX/XX/2022. Immediately after I received the " product '' and realized that the company was charging me for unauthorized charges I sent the unopened product back via XXXX XXXX. I asked American Express to close my account and not accept any new charges. I paid the undisputed charges and no longer have any outstanding balances. Despite the fact that I have been a long-time customer with XXXX XXXX XXXXXXXX they refuse to support me in my position and are unfairly charging me these bogus and egregious amounts. The charges are in error because the items were refused, the company XXXX employed deceptive practices when I was " sold '' these items. I can provide XXXX  XXXX Proof of Delivery, tracking information, documentation of shipment with delivery dates, and copies of reviews from many customers showing they were defrauded with similar incidences as my situation. Furthermore, according to the Hawaii Unfair Deceptive Trade Practices Act, this is fraud. XXXX misinformed me about the product which was returned and the way the situation was dealt with was egregious. They pulled the wool over my eyes and did not inform me what I was signing. Their representative pulled me in off the street and delivered a high-pressure sales pitch. This is not buyers remorse, it is fraud. According to the attached reviews on XXXX and XXXX XXXX XXXX, this company has a pattern of deception and has scammed many other customers in a similar fashion. If the packages were returned to them unopened and I do not have the product, I do not see why XXXX, and American Express are charging me for a " product '' that I don't have. I am filing this complaint and requesting that the error be corrected with the credit card companies and that any finance charges will be waived. I will await confirmation that you will be reversing these unfair charges. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I just wanted to say that I had the worst experience with XXXX XXXX in an attempt to buy a home in XXXX. He is a Mortgage Lending Specialist with Bank Of America : XXXX, Arizona. His XXXX  # is XXXX. He was extremely rude to me as well as my Realtor. We had to go as far as reaching out to one of his colleagues by the name of XXXX XXXX due to his lack of professionalism. This happened back in the first quarter of XXXX. I was issued a Pre-qualification letter in XX/XX/2021 which has now expired of course. Once it was time to inform him of the properties we were looking at, we couldn't get a hold of him. I still have the direct emails of our conversation. He went as far as screaming at my Realtor all because we called his colleague to get a hold of him. In the beginning when when I submitted my bank statements to him, he also questioned where the money came from as if I don't have a full time job. I had over {$20000.00} saved up to put down on a XXXX. I had been saving that money since my early XXXX 's. He issued me a Pre-qualification letter so he had verified that fact. The reason I am bringing this up now is because it is a year later and I am just now recovering from a financial loss. I had to take that money and rent an apartment with it.
Consumer complaint received 2020-04-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Hello I have made several attempts to dispute the incorrect information reporting on my profile with Chex System and has been unsuccessful. This has caused me to loose out on credit and other resources needed to run my life. 
I have not been disclosed any verifications of debt and my rights are being violated.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

My credit card account was originally with XXXX ( XXXX XXXX ) XXXX XXXX. Then Goldman Sachs took them over. 
I had a {$14.00} balance on the account. On XX/XX/2022, I attempted to pay off the balance. I made a phone payment and the agent said that they payment had been received. On XX/XX/XXXX, I got an email saying the the payment had NOT been received. 
On XX/XX/XXXX, I attempted again to make the payment, with the same result : The agent told me that the payment had bee received but a few days later, on XX/XX/XXXX, I got an email saying the payment had NOT gone through. 
Now I am being charged overdue fines because in Goldman 's eyes, I did not make the payment. I have spoken with their customer service department a couple of times and during one of theses conversations, the agent told me that they could not waive the late fees, and that somebody would call me about it. However, I live overseas, so getting through to me can be a bit of a challenge, so perhaps they DID try to reach me and couldn't get through ; I acknowledge that that is a possibility. 
In my last conversation with an agent ( Wednesday, XX/XX/XXXX ), they told me that they would try to dispute the late fees ( which is kind of odd, since this is an intra-agency dispute ) and that it would take time, so much time that ANOTHER late payment fee would probably be added in the meantime. I asked how much of a payment I would need to make to avoid this and was given a figure of at least {$80.00} ( I don't remember the precise number ). I told the agent that I didn't think this was fair at all, and that I thought Goldman was engaging in predatory practices, and that I would NOT pay.
Consumer complaint received 2022-08-11
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)

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : 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.
Consumer complaint received 2022-08-10
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. (PA)

I have requested validation from all three credit bureaus regarding the information on this account. The only information sent to me is a copy of a bill. That is not accurate validation. There are also discrepancies on the opening date and date of delinquency between the three credit bureaus.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I attempted to purchase a Puppy from XXXX XXXX XXXX and the person told me to use Zelle, I checked on my Bank App XXXX XXXX '' and it showed I was able to use Zelle. So assuming my bank would cover if something went wrong, I used it. And sent the money through Zelle, to find out the person was scamming people. The purchase was made on XX/XX/2022 XXXX TO XXXX XXXX {$750.00} ; and when I found out it was a scam, I went to my bank before it was even processed. They told me, there was nothing they could do till the pending status was removed. So the following day I went back in, spoke to a representative at the counter who called XXXX 's fraud department, who transferred us to Zelle 's fraud department within my bank 's branch. And they told us to wait 10 business days, they would call me and get more info. Instead of calling me, they sent me a letter on XX/XX/2022 stating " Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute is denied. '' And when I called the branch near me, they said I'd have to call Zelle. But if you call Zelle, they tell you that it's your bank that needs to handle this situation. 
-The purchase was done on XX/XX/2022 and on the same day I realized it was a scam ; the following day XX/XX/2022 Monday I went into my bank, they said if it's pending they can't do anything. Then made a appointment for XX/XX/2022 to come back to the bank to get it resolved. To which they called XXXX 's Fraud Department for Zelle. That's when the rest transpired above.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I sent in a letter to TransUnion, XXXX, and XXXX. To have my information verified it has been 30 days with no comply they are not obeying the law.
Consumer complaint received 2022-08-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

XXXX XXXX XXXX ( XXXX ) secured credit card ending in : XXXX. URGENT! 

I recently had my credit pulled to get pre-qualified for a home loan, however, I was denied due to an error in your reporting of my old First Progress secured card account. 
My scores are XXXX points lower than they should be because you are reporting inaccurate data to my three credit bureaus. 

My account was paid in full when I closed my account as I no longer wished to have a secured credit card. 

The {$4.00} balance has to be an error. I haven't been successful in reaching a customer service rep as it seems to be impossible to talk to anyone at First Progress.