davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I've had my AMEX card opened for ~10-15 years ago. ~1.5 years ago, I opened a new checking account and tried to switch autopay, since that time I am unable to get autopay configured. I've escalated to support several times and they just keep saying they've " escalated '' the ticket with no resolution for almost a year. I've had to call in every other month, to their credit everytime I forgot to manually submit my monthly payment, they have reversed the late fee and interest charge. I typically get an email/push notification when the late fee hits my account and I immediately pay the bill the same day. 

The other issue is that I've asked for them to contact me with routine status updates around this issue, and everytime they fully agree to contacting me ; however, they never do. I've gotten to no email, voicemail, etc regarding this issue. I don't believe I was even given the " IT Ticket number '' with some other department that they always transfer me to. Back in XXXX, I even emailed AMEX IT support a screenshot of what I was seeing. This was after several months of back and forth and someone finally escalating me to I have to attempt to login every month and pay my bill unlock every other credit card I have. The other irony is that I have two ( 2 ) credit cards with AMEX, the other one had no issue with setting up autopay with the new bank account or any other bank account.
Consumer complaint received 2024-07-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Network Inc (CA)

My XXXX  XXXX  contacted my insurance company for pre-approval of services. My insurance company approved the services. 
My insurance company was going to change to another company the following month. I was aware of this and told the XXXX XXXX about this. This is why they called in my presence for pre-approval. 
Once the XXXX XXXX sent the bills to the insurance, the insurance denied them. 
I contacted first the insurance that had approved my XXXX  ; they had me contact the new insurance company. I went back and forth with them. 
The XXXX XXXX  got tired of waiting, so they sent it to collections. 
The credit collections office sends me frequent notices about the amount owed for the XXXX  stating they are required to report to XXXX, XXXX, and XXXX, plus to remember credit reports may be checked by landlords, doctors, hospitals, credit grantors and some employers.

This is damaging my credit score. I am trying to get free solar panels installed on my house through a low-income government program.

I told the credit collections office I my refusal to pay
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have recently been informed that there is negative information reported by BANK OF AMERICA in the file XXXX maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : BANK OF AMERICA Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) I have recently been informed that there is negative information reported by BANK OF AMERICA in the file XXXX maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : BANK OF AMERICA Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such XXXX XXXX-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, I noticed that my Navy Federal Credit Union credit card declined a payment. I had recently paid my credit bill, so I was confused as to why my credit card did not work. When I called Navy Federal Credit Union, I was told that my account was closed, but I did not receive any correspondence from them about this closure.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (ID)

I had a medical expense that I had been paying off, and I had paid way more than half of it. I had owed over XXXX, and had paid half a little over XXXX of it. I had been a few weeks late on XXXX of my payments, but was still paying it off and it would have been paid off before or in time with what XXXX XXXX wanted, when I went to make another payment on it when I could no longer find my account and it said that I owed nothing. I did not receive anything in the mail saying that it was going to collections. I was still actively making payments on the account.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

I spoke to a representative named XXXX in the fraud department and she even acknowledged that all the proof and evidence is there! She said she does not understand why regions has not given me my funds back! I have had over XXXX stolen from my account due to no fault of my own, regions claimed that I didnt make a claim for my XXXX $ when in reality I did and they gave my money back because whoever it was that actually did it didnt have my identification card because I didnt have one! Whoever it was used a signature that did not match mine and they spelled my name wrong! I was told my claim Was denied because this XXXX $ withdrawal had not been disputed in the process because you had to go in a branch! Well fast forward Ive been given my money back for that one and the representatives in almost every office Ive spoken to have told me theres no way regions should have not given me my money back yet! All the proof and evidence is there and I will not stand for not getting my money when they clearly can see I deserve it back after the traumatic events.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Open Dealer Exchange, LLC (NJ)

I received a Notice of Adverse Action from XXXX XXXX XXXX. I have attached a photograph of this letter. They checked my credit with XXXX. As you can see from my photograph, they used only XXXX and you can see under the Reason category a comment that says " Serious delinquency. '' This is absolutely false. I have no delinquencies at all. 

I have also attached a copy of my XXXX member dashboard. I pay them money so I can access my XXXX credit data whenever I want. As you can see, it clearly states " XXXX '' in the " Delinquent '' cell. I also got a full printed copy of my XXXX  report in the mail. No account in the report contains a single negative payment annotation let alone a " serious delinquency. '' I contacted XXXX  to get this corrected multiple time. I was consistently forwarded to account representatives, some of whom I couldn't understand as an English speaker, that simply provided repetetive an unhelpful replies. They gave me no means to correct the problem. Somehow XXXX provided false information that I know was included in the evaluation of my credit. XXXX will tell you that they only provide a report to a 3rd party, and the 3rd party does what they want with it. However, the information you can see for yourself can only be provided or derived from data provided by XXXX. I want this corrected. I never want to see a " Serious delinquency '' comment on any information provided from or derived from information XXXX originates, and I want an explanation.
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit , Rooms to Go, Mattress Firm, and XXXX XXXX XXXX XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXX XXXX XXXX cards, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all XXXX accounts at one time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXX XXXX XXXX  XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXX XXXX XXXX XXXX, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all XXXX accounts at XXXX time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank closed XXXX of my accounts on XX/XX/2024. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXX Bassett Furniture XXXX I spoke to a customer service XXXX and said that I was fine with closing Mattress Firm and XXXX Bassett Furniture cards, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all 5 accounts at one time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXX XXXX XXXX XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXXXXXX XXXX XXXX  cards, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all XXXX accounts at XXXX time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Consumer complaint received 2024-07-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXXXXXX XXXX XXXX  XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXX XXXX XXXX  cards, but I asked him to appeal the decision for closing XXXX XXXX, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all 5 accounts at one time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of American review my claim of almost XXXX for fraud and somehow they found some transaction was fraud and some wasnt what sense does that make! I want my money back asap! I dont understand how some was fraud and some wasnt when I didnt have my card!
Consumer complaint received 2024-07-19
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. (FL)

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 XXXXXXXX name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX XXXX account name : XXXXXXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX XXXX account name : XXXX XXXX XXXX account name : XXXX XXXX XXXX # 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-05
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. (CT)

EXPERIAN has history that began in XXXX with the merger of two British credit information companies, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. XXXX was an credit reporting agency in the United States, while XXXX XXXX operated credit bureaus in the XXXX XXXX. The merger formed Experian. Experian 's contribution to the credit industry came with the introduction of the FICO credit score in XXXX, developed in collaboration with Fair Isaac Corporation ( FICO ). EXPERIAN came into existence in XXXX, consumer reports have been around for centuries. EXPERIAN came into existence after CONGRESS had passed the FCRA. EXPERIAN is not a Government Entity but is demanded to perform under Government Law. Under CONGRESSIONAL LAW EXPERIAN is DEMANDED perform ALL DUTIES and RESPONSIBILITIES with RESPECT, INTEGRITY and ACCURACY to the consumer. Congress within the FCRA has clearly and directly classified EXPERIAN as an ELABORATE MECHANISM who has ASSUMED its role to gather my personal identifying information and furnish a consumer report without my consent nor PERMISSIBLE PURPOSE 15 USC 1692b. EXPERIAN you have abused me by violating my Federally Protected Right to PRIVACY and have furnished information on my behalf without permissible purpose as CONGRESS has demanded you need and you have WILLINGLY without LAWFUL GONGRESSIONAL AUTHORITY have chosen to furnish negative information on my behalf that has negatively impacted my reputation causing me to lose credit opportunities and the ability to EXERCISE MY RIGHT TO CREDIT which is a clear and direct violation under TITTLE 18 USC 242. This is a FACT because CONGRESS under the Fair Credit Reporting Act due to your abusive practices in your earlier years has clearly and directly demanded you to EXCLUDE ALL TRANSACTIONAL ACCOUNT INFORMATION INCLUDING EXPERIENCES from a consumer report see TITTLE 15 USC 1681a ( 1 ) ( 2 ). EXPERIAN YOU HAVE WILLINGLY WENT AGAINST YOUR CONGRESSIONAL DUTIES AND RESPONSIBILITIES AND WILLINGLY FURNISHED INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS YOU EXCLUDE HURTING MY REPUTATION AND ABILITY TO EXERCISE MY RIGHT TO CREDIT FALLING DIRECTLY IN VIOLATION UNDER TITTLE 18 USC 242 FOR DEPRIVING ME OF A RIGHT. I HAVE REQUESTED IN ABUNDANCE TO HAVE THESE ACCOUNTS REMOVED UNDER CONGRESS REQUIREMENTS AND YOU HAVE IGNORED ME AND HAVE NOT SETTLED IN GOOD FAITH. I AM DONE DEALING WITH THIS ISSUE AND YOU ARE LIABLE UNDER TITTLE 15 USC 1681n AND TITTLE 15 USC 1681o FOR WILLFUL AND NEGLIGENCE HARM TO A CONSUMER DEPRIVING THE CONSUMER OF A FEDERALLY PROTECTED RIGHT VIOLATING TITTLE 18 USC 242. NOTICE IT IS A FACT YOU ARE ALSO UNDER VIOLATION OF REGULATION Z OF THE CFPB.