davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I previously filed a complaint against American Express with the Consumer Finance Protection Bureau for this matter and that complaint number is XXXX. The original issue remains in that I was promised a referral bonus if the person I referred was approved for a new credit card, in this case the XXXX XXXX XXXX XXXX XXXX. The original details of the issue are documented in complain XXXX and a copy of that complaint is attached to this complaint for reference. 

The reason for this second complaint is that American Express responded to the original complaint and stated that they deposited the XXXX XXXX points for the referral bonus. They did not. I verified with XXXX that American Express did not deposit the XXXX points at or around the date they said they did, and also confirmed with XXXX that at no time during 2018 did American Express deposit any XXXX points into my account. 

Therefore, American Express negligently claimed it had resolved the problem when in fact it did not. 

I am requesting again that American Express deposit the XXXX XXXX points that it owes me for the successful referral I made to their benefit and now I am asking for an additional XXXX XXXX points because of the several hours of time it has taken to document this issue and communicate with American Express, XXXX, and the Consumer Finance Protection Bureau regarding this issue.
Consumer complaint received 2018-05-30
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. (MI)

I am a victim of identity theft, I filed a police report back in XX/XX/2017. I sent each credit reporting agencies the documents to fix the issues of fraudulent accounts and inquiries. The reporting agency equifax has been giving me a hard time since XX/XX/XXXX of getting the information removed, I have sent them every document that was asked and still nothing has been done. I was told by them them that I can dispute the information a 100 times and it will still be the same result, I have been hung up on and spoken to very rudely, I have disputed the information more than 10 times. I would like to be treated like the victim and not the thief that stole my identity. This has went on long enough and has become a hassle in my life where I cant get anything due to what is being reported on my credit. I am just asking for the accounts and inquiries to be removed.
Consumer complaint received 2018-05-28
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: Brightwater Capital, LLC (CA)

Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification.

XXXX XXXX/XXXX XXXX / Brightwater Capital has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report.

I've been asking for verification for 6 months in certified and notarized letters.

They replied once on XX/XX/XXXX The letter stated the account had be sold to Brightwater Capital which also included a non letterhead computer faded copy of a copy statement.

On my credit report it's stating XXXX/XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX.  Please help me.
Consumer complaint received 2018-05-28
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. (IL)

XXXX and Equifax have re-inserted a Bankruptcy on my account when it was already deleted. It does not belong to me and it was fraudulently re-inserted back onto my credit report. This is illegal and against the law. XXXX  has already verified this account does not belong to me and has removed it. 

Bankruptcy Chapter XXXX-Discharged. Filed XX/XX/XXXX # XXXX  Court : US Bank Ct. XXXX , Il.
Consumer complaint received 2018-05-28
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. (FL)

There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter
Consumer complaint received 2018-05-30
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 have been trying to get several things resolved on my credit report so I did request all three bureaus to look into several accounts. There was an account with XXXX XXXX -XXXX that I questioned because they did not even show the complete payment history. I requested all information and they did not provide they only only reported a charge off date. Indicating it was not researched.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TN)

I contacted my credit card company on XX/XX/XXXX about a purchase I made on XX/XX/XXXX. I purchased three products from a kiosk, owned by XXXX XXXX, at a shopping mall in XXXX, TN. The products were demonstrated by applying them to my face and after the sales person reduced the price three times I finally purchased the products for {$380.00}, good for today only. After the purchase the sales rep said she would email me the instructions on how to use their product. When I returned home the next day I opened my products and read the instructions the sales rep. XXXX had emailed me. The first this I noticed was the instructions on the product box were different from the instructions from the sales rep. Her instructions said to use " once a week '' the box said " Daily application ''. There are other discrepancies like the sales rep saying the product contained collagen, but its not listed in the ingredients. I decided to go ahead an try the product I had because it had worked well at removing the bags under my eyes. The sales rep told me to apply before bedtime which I did. As soon as I applied the product I could tell it was not like the product she had applied to my eyes at the mall. I left the product on my eyes overnight and when I got up the next morning the skin around my eyes was irritated, red and wrinkled. This product is horrible and it was obvious the product was very different than what the sales rep said she was selling me. When I looked at the sales receipt I noticed on the bottom it stated " No Refund. Exchange only within 14 days with unopened product '' I contacted my credit card company explaining what had happened along with all the documentation and after several weeks I received a letter stating they would not issue a refund because I made an in person purchase. This made no sense because you can still be scammed in person. I contacted XXXX XXXX and was told they have high quality products, they won't give a refund. 
I feel the credit card company, Barclay, made no effort to resolve my issue even though this company pulled a bait and switch.
Consumer complaint received 2018-05-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Big Picture Loans, LLC (MD)

On XX/XX/XXXX I borrowed from Big Picture Loans the sum of {$800.00}. The first payment of {$220.00} was withdrawn from my account on XX/XX/XXXX with same amount of {$220.00} having with drawn on the subsequent dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all totally {$880.00}. Instead of applying my payments to both the principle and the interest, I was horrified to learn that Big Picture Loans applied the {$880.00} to the interest only.

On XX/XX/XXXX I went to my bank and revoked Big Picture Loans ACH Authorization. I also, emailed a letter to Big Picture Loans informing the that their ACH Authorization has been revoked. To which their response was that I still owed them {$4700.00} on an {$800.00} loan. When I applied for the loan, I was told that if I paid the loan back early that the {$5000.00} plus payment would not apply. I paid the money I borrowed plus {$80.00} back in 2 1/2 months.

Big Picture Loans is claiming Tribal Sovereignty as an excuse to con their customers into paying ridiculous amounts in interest payments.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the Bank of America Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.
Consumer complaint received 2018-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SECURITY FINANCE CORP (OK)

Security finance is showing two missed payments on my XXXX credit report. I never made a missed payment. I went directly to security finance and they say they are not reporting the missed payments and they would contact XXXX and let them know its an error. I didputed the error and XXXX said it was verified as accurate. A simple phone call to security finance would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have another case on file that was submitted and its the same issue. I asked my credit card company to explain how my interest fee was calculated for the month. I used my daily periodic rate and my average daily balance, and I could not find out how they come up with their amounts. I called customer service and they didnt know either. I followed the explanation on my statement on page two, still couldnt figure it out. I would just like to know how they got their figures. I called XX/XX/2018
Consumer complaint received 2018-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution XXXXXXXX XXXX and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the XXXX  is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA XXXX Section 605C is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human XXXX ( Regulation V )
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am trying to purchase a home and in order for me to move on with that process I called XXXX XXXX and I called Transunion. XXXX told me they can't remove the late payments, not even one. When I talked to transunion they told me they can remove just one and I was fine with that. I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was XXXX  and I am also a single parent. I'm not trying to be difficult at all or cause confusion. When I checked my credit report days later my late payment from XX/XX/XXXX was moved up XX/XX/XXXX. Im not understanding. The guy from transunion told me he would remove it and he did not.
Consumer complaint received 2018-05-29
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: JPMORGAN CHASE & CO. (FL)

Hello, I once received a credit card from XXXX that I never ordered. I spoke to XXXX and the supporting institution Chase Bank and they determined the transaction was fraudulent, reverted the charges, and closed that account. 

The problem I report today is that XXXX checked my credit score and that is reflected in my credit history and I would like for that to be removed because it is affecting my credit score. 

I post the details of the report below. 

XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been a customer with Bank of America over 5 years during that time I can only recount being refunded an overdraft fee once. I had a deposit go into my account for {$69.00} on XX/XX/XXXX, it was an instant deposit via cash app. It reflected in my balance immediately. The following day that deposit was removed and I was hit with 2 overdraft fees. I searched through my transactions for that deposit and it was nowhere to be found. When I went back to look later it was returned to the account and I also had a transaction from another merchant which was billed on the wrong date. I contacted BOA and they refused to waive the fees or explain the disappearing and reappearing deposit. I dont have a history of doing this and I am on a fixed income. {$70.00} is about 10 % of my monthly income.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

On XX/XX/2018, submitted a request to reporting credit bureaus to verify that I owed XXXX XXXX XXXX for a medical bill. 40 days later, I received a bill stating to make payments payable to XXXX with dates of service but no paperwork with my signature stating that I owe them the debt. The original creditor was XXXX XXXX XXXX. I need to receive paperwork, with my signature, that states I owe XXXX   Collection.
Consumer complaint received 2018-05-26
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: Early Warning Services, LLC (FL)

Consumer ID # XXXX. I received my Early Warning report and notice that there was information within the report that did not have anything in it relating to me. I was a victim of identity theft and notice that this report shows several XXXX XXXX accounts that I have no knowledge of. I sent a letter to Early Warning notifying them of this including the FCRA section 605B law and all of my identification that identifies me. Within that letter I included a copy of the police report case number in addition to my FTC ID affidavit signed and notarized. I called them regarding the status of this investigation and they stated to me I had to wait for completion. These XXXX XXXX accounts all need to be removed off of my report. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days that the law permits.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Please assist me in resolving this matter. 


SSN # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Consumer complaint received 2018-04-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOME FINANCE OF AMERICA (CO)

I reached out to XXXX XXXX NMLS # XXXX because I heard him on the radio to refinance my mortgage. I told them that since I had owned my house for two years and the market had grown so much, I wanted to refinance mortgage insurance off of my house since I was at a 80 % loan to value. There was no reason to refinance my loan into an FHA because that would mean that I would still pay mortgage insurance. I tried to meet with XXXX XXXX but he kept having his assistants meet with me, which I was fine with. We got my house appraised and it was appraised at {$160000.00}, credit score of XXXX and I only owed {$100000.00} .... so it was perfect to be put into a conventional loan with no mortgage insurance. When title came over to my house to have me sign documents I asked if this had the mortgage insurance off of it and he said that the mortgage company should have taken care of that for me. Instead they refinanced me into another FHA loan instead of a conventional loan and I am still paying mortgage insurance. The payment didn't even go down or up, it stayed the same. I feel they only did FHA because they made more money on the loan, based on what my other friends in the industry are telling me. I kept trying to call over to them after I noticed that the paperwork said FHA and not Conventional. They kept telling me that they would have XXXX reach out but he never called back. I tried to go down there and they kept blowing me off. I tried and tried, but to no avail ... .they just kept avoiding me.