davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC (TX)

In early XX/XX/XXXX I received a notice of a collection account placed on my XXXX credit report from Williams, Rush and Associates, LLC at XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, TX XXXX. The original creditor is noted as XXXX ( educational ) for a debt from XX/XX/XXXX. This is an unknown account to me so I took steps to dispute the transaction with XXXX. A few days after the appearance on my credit report, I received a phone call at home from the collector. I explained that I was unaware of this debt and had no idea what it was. The agent said a letter had been sent back in XX/XX/XXXX, however, the address they had on file was an address I have not lived at since XX/XX/XXXX. Interestingly, upon further review, I see that Williams Rush had done a soft pull on my credit report in XX/XX/XXXX, which means they would have had access to my correct address as well as the fact that a debt from XX/XX/XXXX should have had the correct address listed with the original creditor. I asked for something be sent to me in writing at my correct address so I can dispute the debt. To date I have received nothing from Williams Rush giving me the opportunity to respond with a validation request. 

Currently, there is an extended fraud alert placed on all three of my credit reports in late XX/XX/XXXXas it was discovered that someone was using my social to try to obtain credit cards throughout XX/XX/XXXX and XX/XX/XXXX. The second call I received from Williams Rush in XX/XX/XXXX, the agent claimed that I would have to prove identity theft with them in order to not be liable for the debt and I would need to file a police report. Per discussion with my local police department, they do not do identity theft reports unless actual theft has been proven, which it has not. I am very frustrated that I can not get anything written or sent to me from this collection agency regarding a debt for me to be able to validate or dispute it. They are also responding to credit report disputes as valid without proof. 

My research shows that XXXX ( the original creditor ) is a tribal payday lender, who is not licensed to lend in the state of Texas.There are multiple complaints against this company for their illegal practices. I find it very concerning that a collection agency is reporting collection accounts on unproven payday loans on credit reports.
Consumer complaint received 2018-08-08
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 (CA)

On XX/XX/2018 I responded to an offer for the American Express Business Platinum Card that required a {$25000.00} spend within 3 months for XXXX Membership Rewards points. I used the card exclusively and appropriately for all my business expenses and received the bonus by the end of XXXX. My balances on the card have been paid in full and are currently XXXX. I currently have XXXX Membership Rewards points in my account. Today I attempted to transfer XXXX XXXX points to a frequent flyer account to purchase a frequent flyer ticket ( On XXXX through the XXXX   program ) as promised as one of the perks of this {$450.00} annual fee card and according to the Cardmember Agreement. I received the following error : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I immediately called the Membership Rewards Customer Service number. Speaking to a supervisor, she reported that although there is no issue with my credit card, they are reviewing my Membership Rewards account for an unknown reason. I have never used my Membership Rewards points for any activity before. They claim this review will take 6 to 8 weeks and until then I can not use my Membership Rewards points for any transfers to frequent flyer programs. Without these points, the travel I need to plan immediately to attend my relative 's funeral will have to be completed in another manner. American Express is in violation of their Cardmember Agreement and based on a quick review of online complaints I can see that a class action lawsuit over this matter may be customers only recourse. In 10 years of using XXXX XXXX XXXX  points I have never experienced such an issue and it is extremely disappointing to receive such treatment as a so-called " Platinum '' member. Clearly, I will not be using their cards again.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2018 at XXXX XXXX  EST, a check was deposited at an ATM from an accredited CREDIT UNION addressed to myself ( which was in an amount less than {$5000.00} which is the amount stated in Bank of America 's handbook stating that a " hold '' may occur ), and NO notification was made that the check would be placed on HOLD giving me option to have the check returned to cash at a different institution where funds would be readily available! The HOLD was placed until XX/XX/2018!! I need this money immediately. The " REASON : A hold was placed on your check ( s ) because check specific information indicates item may be returned ''!!! Then to finish the transaction the ATM would not give me my ATM/debit card. After holding for almost 3 hours and being disconnected 3 times I was connected with a customer service representative who was helpful in expediting the overnighting of a new ATM / Debit card at no cost to me which should be here tomorrow ( the XXXX ) - SO approximately 2 days without any access to my funds. TO ME THIS IS THEFT BY TAKING. I returned to the bank and asked for the check back and they refused to give it to me because they don't know where it is. I can cancel the check but I will have to pay for the cancellation fee and the bounced check fee at BANK OF AMERICA AS WELL???!!!! If someone pays for a flight to California and then I say OK, I will provide your flight on the XXXX while I inspect your check from Bank of America, that would not be ok and they would demand their money back but if I lost it would that not be ILLEGAL???
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

Back in XXXX, XXXX has decided to end their relationship with me after I filed multiple complaints which almost put the bank at risk which made them decide to end their relationship with me and closed my checking account. I tried to ask if there was a way to have my account reinstated or at least open a new account. Unfortunately, the decision has been finalized on top of that there was an amount that I had to payback of the amount of {$1300.00}, which I eventually paid back in XXXX which made settled my old account. During that time, I utilize Eary Warning Services and found out I was a victim of fraud due to the fact my other account with XXXX  had fraudulent activity it was clear to me that something was going and I reached out to a representative to find out what was wrong however she told me there was a difference of the amount of {$45.00} that I was responsible for and if I want I can file a dispute with Early Warning. As I was told I file a dispute and tried to figure out if I can still open a new checking account with a different institution I tried Wells Fargo and I was denied multiple times. After months of waiting, XXXX  told me even though it shows fraud on my report they can't remove it however they updated my report stating it is fully paid. So I try to open a Wells Fargo account again and I was still denied to open a new account. I even tried to contact XXXX 's representative and still was denied because the end of a relationship was finalized and not reversible. But I did countless research and someone was able to have their account reinstated. I just need some assistance because I want to open an account rebuild my financial security again if anything helps. 

Thank you.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I have paid off all credit cards and those that were submitted to a collection agency. I have confirmation of all my payments, made copies and sent to all three credit reporting agencies. I also contacted my Attorney General State of CT and my file was sent your way. I checked my credit reports and still see open balances, collection activity happening and nothing has been updated. They claim to have done an investigation and nothing has been updated. This needs to be fixed as I know I am entitled to monetary damages.
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I went to my bank XXXX Chase Bank XXXX on XX/XX/2021 to send a wire transfer of {$4500.00} to my XXXX XXXX account. The teller at the branch entered the wrong account number for the recipient of the wire transfer. They entered my XXXX XXXX account number as the recipient instead of the XXXX XXXX intermediary bank account number that XXXX XXXX uses for incoming wire transfers. I set the instructions per XXXX XXXX in front of the teller assuming she would know how to enter the information accordingly. She made a huge mistake putting information in the wrong area and now my money is in some random account at XXXX XXXX. I have attempted to have my bank ( Chase Bank ) initiate a wire recall, which theyve done 3 times. XXXX XXXX deposited the money into the random account without checking if the account holders name matched that on the wire being sent. The names dont match so the money should never have been deposited. Both companies made a mistake and neither one wants to do anything about it. XXXX XXXX has denied the 3 recalls and puts the blame on Chase Bank. It has been a back and forth blame game for 2 months and I have not gotten anywhere with this issue. Its a mistake made by the banks but the customer ( me ) is the one having to suffer the loss and deal with getting the money back. 

I have Reference/Claims numbers from each bank from me attempting to get a resolution. I reached several different departments but no one was able to help me. I can include those numbers if necessary, I just dont know if that is too personal of information for this initial description.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/2020 I used Chase Banks online payment service to make an electronic payment from my checking account to XXXX XXXXXXXX XXXX for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by XXXX XXXX XXXX that the payment was never received. After filing a dispute with Chase, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to XXXX XXXX XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX ). Chase has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. After filing a complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau, I was told that another investigation was conducted and no payment was received. They urged me to work with Chase to have the payment reversed. I have attached a copy of Chases Proof of Payment sheet and two letters from XXXX XXXX XXXX.
Consumer complaint received 2021-07-19
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: CITIBANK, N.A. (CA)

I paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the four different credit cards. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several of your representatives over the course of the last few months. I have sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have found out that your dispute investigator works outside Citi so they can be unbiased. I'm not sure that my billing rights have been upheld in this dispute process since it is with a law firm. Do you even have a process for a law fee paid by credit card? 
When I spoke with billing dispute representative one time they said they hadn't reviewed the documentation I had sent in yet. One representative said often customers have said they didn't even think that dispute had read any documents from customer only contacted merchant. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
My account has always been paid on time and with full balance paid each month but now I have a balance of just the disputed amounts and additional fees.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

XXXX Potentially Negative potentially negative icon show account button Account NameXXXX   Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX 
Called XXXX to report deceptive practice from XXXX XXXX Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with XXXX XXXX   Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to XXXX XXXX. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the XXXX  XXXX  card after I paid off the TV. 

The sales person at XXXX XXXX  flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by XXXX XXXX   employee.
Consumer complaint received 2018-04-26
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: EQUIFAX, INC. (MO)

Someone fraudulently used my information snd/ or the misleading information derived from Equifax breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

The company closed my account without an explanation as to why but a letter to me stating that they had the right to close my account and they did. I made a complaint to CFPB and they responded that my account had been reinstated as of XX/XX/2018. As of now XX/XX/2018, the account is still closed. I have tried to reach the contact on the letter that was sent claiming the account had been reinstated a few times to no avail. Several messages have been left but no response and the account still closed.
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

In XX/XX/XXXX, I initiated a refinance home loan now serviced by Caliber Home Loans ( Caliber ). 
I set up automatic payments to Caliber through the XXXX XXXX XXXX XXXX ( XXXX  ), which used the iPay Bill Pay Service from XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Automatic monthly loan payments ( {$1300.00} ) started in XX/XX/XXXX. 
Monthly payments were routinely sent from the XXXX to Caliber, in check format as scheduled from XX/XX/XXXX, through XX/XX/XXXX, via XXXX XXXX. 
In XX/XX/XXXX, Caliber notified XXXX XXXX they would stop accepting payments in check format, and would begin only accepting electronic payments instead. [ THIS CALIBER INITIATED ACTION is root cause # 1 for the missed payments ] XXXX XXXX then stopped check number XXXX ( the XX/XX/XXXX payment in process ) to change the payment method to electronic. 
However, Caliber REJECTED the subsequent electronic payment from XXXX XXXX for XX/XX/XXXX. [ THIS CALIBER INITIATED ACTION is root cause # 2 for the missed payments ] This rejection DEACTIVATED the XXXX XXXX XXXX reoccurring payment to Caliber, that was previously set up. 
Caliber immediately reversed itself and notified XXXX XXXX to change the payment method back to check format, as they had NOT completed their set-up to accept electronic payments. 
Since the automatic payments were deactivated by the series of actions initiated by Caliber, the XX/XX/XXXXand XX/XX/XXXXpayments due to Caliber went unpaid. 
As I was on an XXXX XXXX in XXXX, and thinking my payments were automatic, I was not aware these payments were late until my return to the US in late XX/XX/XXXX. 
Upon my return to the US, I immediately scheduled the late XX/XX/XXXX and XX/XX/XXXXpayments. 
The XXXX 's XXXX XXXX XXXX again started sending payments in check format to Caliber, automatically as scheduled, as Caliber still had not set up to receive electronic payments. 
ONLY in XX/XX/XXXX, 3 months after their initial communication, did Caliber complete their set-up and begin receiving electronic payments from XXXX and XXXX XXXX. 
I have never missed any payments on this loan ( or any previous mortgage ) prior to, or after the payments impacted by the Caliber initiated actions. 
Had Caliber not rejected the first electronic payment attempt, made at their request, these late payments would have never occurred.
Consumer complaint received 2018-04-25
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. (MO)

There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.
Consumer complaint received 2018-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.