davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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.

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 informationisinaccurate.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express posted a transaction marked as fraudulent to my bill and then reported the transaction to credit bureaus, misrepresenting my credit utilization. This mode of erroneous credit reporting possibly results from automated processes, so many American Express customers may be affected. 

My experience entailed the following events : - XX/XX/2022 : American Express ' fraud prevention team sent email and voice notifications of a suspicious transaction on my card. The email notification indicated that the charge was denied at point of sale. I spoke with a fraud prevention team representative to confirm that the transaction was fraudulent and to request issuance of a replacement card. The representative communicated that the charge was prevented and that a new card would be issued. 
- XX/XX/2022 : I inspected my transaction activity to make a payment before my statement closing ( day-of ), and noticed that the fraudulent transaction had posted to my account. I submitted a dispute and called American Express for clarification. A representative stated that the posted transaction was separate from the transaction previously marked fraudulent, despite the transactions having the same source, date, and amount. The representative offered no solutions for adjusting my bill statement or subsequent reporting to credit bureaus. 

As my experience indicates, there are flaws in American Express ' fraud prevention and credit reporting processes that can result in misrepresentation of their customers ' credit utilization. Because utilization is a key attribute in credit scoring, these errors adversely impact affected customers ' attempts to acquire new credit ( approval or pricing ). If the flawed processes are automated, this is a systemic issue that could affect many American Express customers.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 Account # 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " XXXX XXXX XXXX XXXX' on our behalf. Chase issued a check. On XX/XX/2022 XXXX XXXXXXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ''. Since we nor the XXXX XXXX know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to XXXX XXXX XXXX  ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase 90-120 days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid XXXX XXXXXXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. XXXX chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you.
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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 2022-05-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (UT)

In XXXX of XXXX I set up a mortgage loan with XXXXXXXX XXXX XXXX XXXXXXXX who sub serviced my loan with XXXX XXXX XXXX ( Loan Servicer ). From its origination, I arranged with XXXX XXXX for automatic payments to be made for my loan via ACH with my XXXX  XXXX XXXX XXXX Account. Such payments were pulled diligently and on time automatically by way of my account number and routing number up until XXXX of XXXX when unexpectedly my loan was transferred from XXXX XXXX  to Suntrust Bank now Truist. 

In the process of my loan being transferred, Truist failed to 1. update my account information so that those automatic payments would continue and 2. properly notify me of such changes. The only notice I got was a letter in the mail. No phone calls or emails. This is important to note because from 2 weeks before the transfer of my loan up until XX/XX/XXXX I was out of town. Not to mention the letter mailed to my address was accidentally taken inside of another unit on my property from a renter of mine ( in which I have written account from her stating there was no way for me to have known of this change because she accidentally had withheld my mail from my time of leaving town XX/XX/XXXX until XXXX ). 

This transfer of my loan along with Truist 's failure to update my account and properly notify me led to me missing a mortgage payment. However, even then the only notice they gave to me regarding a delinquent payment was by mail again. No phone call or email. Keep in mind I'm out of town from XX/XX/XXXX until XXXX for work in another state. And these notices too were mixed up in my renter 's mail and only found inside her unit when I arrived back home and did a random inspection of her unit on my property. 

It's extremely frustrating too because it's not like I didn't have sufficient funds in my account at the time of the missed payment. In fact, I have proof of funds and a bank statement dating from the same time in which such payment was missed and I had over {$20000.00} in my account when the missed payment was for {$1500.00} As a result of all of this, there is currently a 90-day delinquency on my credit which was reported by Truist. I have tried now 2 times to dispute this with them and they will not acknowledge their failures or update my credit given the circumstances of me not being properly notified and also having sufficient funds at the time of delinquency.
Consumer complaint received 2022-04-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXXXXXX account number XXXX, and XXXX XXXX account number XXXX have 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 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX Company Account Num : 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 report.
Consumer complaint received 2022-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Every eight months or so Shellpoint/Newrez demands that I prove that I habe insurance coverage. I have done this at least four ( 4! ) times within the last three years. This is totally unnecessary, harassing and oppressive. I can not help but suspect that this is a discriminatory practice at this point.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX I transfered XXXX $ online from my XXXX  checking account to a separate institutions Comenity Direct financial account. The Comenity Direct account rejected it despite funds available. 
I repeated the transaction. This time the XXXX $ withdrew from my XXXX  Checking account and transferred successfully to my Comenity savings account. 
On XX/XX/XXXX my Comenity savings account charged back the XXXX $ due to insufficient funds which is untrue as the funds where with drawn from my XXXX checking. So I never got my XXXX $ back into my checking account. 
I fought with them for several days with no answers. 
I then filled a dispute about the unsuccessful transaction from my original XXXX  checking account. 
XXXX found the error was true then added my XXXX $ back. Then somehow Comenity Direct with Drew this newly added XXXX $ back to the Comenity Direct savings account again. The savings account again charged back another separate XXXX $ from my account now shorting me and stealing XXXX $ dollars! They have now stolen XXXX $ from me and I've exhausted all resources to get this money back to no ends.
Consumer complaint received 2022-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (VA)

LVNV Funding purchased an elevated charged off debt from my a credit card company that I acquired while living in Maryland in XXXX. I closed the account due to losing my job and sent the minimum payments. The original creditor sent a charge off and closed notice in XXXX for {$450.00} which was interest and principal of {$120.00}. 

In XXXX, LVNV funding has constantly harassed me by hunting me down in my new residence state of Virginia. The company filed a court case in the county of XXXX, VA attempting to obtain a judgement against me while constantly blemishing my credit files. The judge in that court case did not grant the company a judgement and he honored my dispute since I referred to the Fair Debt Collections Practices Acts 609, 611 and 613. The judge in the case advised LVNV Funding that according to the rules of the FDCPA that I, the consumer, has the right to dispute and contest. The judge advised LVNV Funding to adhere to the rules of the FDCPA and proceed accordingly. To date the company has not complied. 

My credit is receiving constant credit score impacts preventing me from moving forward in my career and my personal life. I am requesting LVNV FUNDING to be removed from all major and minor credit reporting agencies due to illegal practices of collecting bad/unverified debts.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX  # XXXX XXXX/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.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

My name is XXXX XXXX, I'm writing to Complain about Macys Credit card I recently bought a new house and during closing, the Borrower closing requirement is to present a Cashier check paying off my credit card debt, XXXXXXXX XXXX XXXX XXXX Texas send my Payment to Macys, The Amount of {$8800.00} on XX/XX/2022, Macys received the Check and Cashed it on XX/XX/2022 but failed to update my account till this present Moment, Macys Continue to report my Credit Usage as High, Charging me Interest rate on a debt that has been paid, all effort to resolve the issue with Macys prove Abortive. 

Attached is the Copy of the check front and back that indicate Macys City Bank cash the check on XX/XX/2022 This has cause my credit score to go down and prevent me from buying car, because i will be paying High Interest rate with Low Credit Score. 
I have called Macys Several times with No result, i have submitted a Dispute no response.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE ITEMS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INFORMATION I didn't receive any personal extended credit from the agencies below : XXXX : XXXX XXXX XXXX Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX. I disputed this information with EQUIFAX credit bureau over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CRED Technologies dba cred.ai (NY)

On XX/XX/2022, I visited an ATM and attempted to make a cash withdrawal of {$620.00}. Immediately after the machine processed the transaction, the ATM failed and displayed an error stating that the transaction would be canceled and to contact my financial institution. I immediately called Cred.AI 's " XXXX emergency support line '' who argued with me for ten minutes stating that there's nothing they can do, and they referred me to the owner of the ATM, XXXXXXXX XXXX XXXX XXXX reviewed the log and shows the transaction was canceled -- they deferred me back to Cred.AI for assistance in removing the transaction. Eventually, I was transferred to the disputes department who filed a dispute, but stated that the funds would not be returned for use for 90 days. I have not heard an update and I still do not have access to my funds now nearly 10 days since the transaction was attempted. This is essentially theft, and must be rectified in a timely matter.
Consumer complaint received 2022-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NY)

I have been dealing with American Express since XX/XX/2020. I was put on a company credit card in which they are saying I am now the primary account holder. We have sent proof of payment to American Express and the courts which they took up the case. They continue to ask for this proof and we are on about time 10 now. The company has called them, I have called them and they either dont know who is working on this, the person they say is working on it when we call back is being told to us that never worked there, mailbox is full, never returns calls. At this point it is harassment and I would like to peruse charges of my own for putting it on my credi, emotional distress, and impact this had had on my personal business.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ID)

On XX/XX/2022 a scammer disguised as an interested buyer on XXXX marketplace became interested in the product and he said he can only use XXXX to transfer money to buy the product. He pretended to send the money, sent a fake screenshot of the transfer, and then sent a series of fraudulent emails replicating a real bank XXXX email. The first email stated : " We have a problem crediting your funds {$300.00} because the account status is not a business user which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit To fully expand your account into a business account, contact the buyer of your item to send in an additional payment of {$300.00} into your XXXX account to expand your limit. Soon as this is done, we will credit your account with the total sum of {$600.00} and free {$50.00} bonus from XXXX user administration. '' The second email stated : " We congratulate you for successfully upgrading your account to a Business User which gives you Unlimited Access to receive any amount of money from now on. For your account to be credited fully with the sum of {$650.00} USD. You are required to contact the sender to refund back the sum of {$300.00} USD so as to secure the additional payment sent to expand your account. Below Is The Instructions : Contact the sender for information to refund back the {$300.00} USD Take a picture of the {$300.00} USD payment and reply to this email. Instant {$650.00} USD into your XXXX account. " Additional emails were sent by the fraudulent bank emails to send additional money. At this point, I finally realized this was a scam but still ended up losing {$300.00} via XXXX XXXX in the Chase App.
Consumer complaint received 2022-04-20
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. (CA)

I recently got a copy of my credit report and noticed there are inaccurate and fraudulent accounts being furnished on my report. I am aware of the FCRA and understand that I have the right to dispute these accounts.