davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit 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 (HI)

On XX/XX/XXXX, I was informed by XXXX XXXX as security XXXX from XXXX that there was a fraud charge, and after it was resolved he offered security text alert as additional safety measure. He claimed that he can see all my bank accounts, and he said that he will send out a demo/testing message just to ensure that security text service is working. He informed me that no action will be taken and no charges will go through that mentioned in the text. 

On XX/XX/XXXX, I saw XXXX charges totaling {$40000.00} from a company that I don't recognize or do business with and I do not recognize or authorize the XXXX charges. I immediately called American Express to report fraud charges and to open investigation. American Express customer service told me that " I '' was calling earlier to close the account, and I told American Express that I had never called them earlier and it was the first time of the day that I called American Express to inform them of the fraud charges. I was very concerned that American Express customer service XXXX measure was so weak that someone could easily passed and claim to be me calling without being detected, and American Express think it was me calling when it was not. 

When I tried to report to the police, the police asked for a paper bank statement, and because I no longer have access to my account I have to rely on American Express to mail out paper copy statement to my address. I have been trying to request for 5 times since XX/XX/XXXX, and even though American Express to mail it out, it never did, as I never received and when I called back to inquire, I was told that American Express has never mailed out any paper statement, even if they said they did every time I requested. To this day, I still have not received and it has delayed my police reporting time for a month and half now, and the customer service has very bad attitude and refuse to help or provide alternative solutions. 

Also, American Express has not taken investigation seriously the first time, so I had to call in to request a dispute investigation. They are currently working on it. 

I am deeply upset by how American Express fail to provide documents and lying about they did mail out when they didn't and keep delaying me from reporting to the police and that their customer service give very bad attitudes and refuse to help or provide solutions and that the team is not taking investigation or my explanation of what happened seriously.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

I had a checking and savings account with PNC on XX/XX/year> I was over charged by XXXXXXXX XXXX XXXX in the amount of XXXX XXXX amount was incorrect so I went to my local XXXX who printed out the correct amount that I was supposed to be charged which was XXXX. Due to PNC paying the incorrect amount it caused my account to overdraft in the amount of XXXX. After contacting PNC about the error they never allowed me to send receipts to substantiate the overpayment. Instead I was belittled and then they closed my account and stated I currently owe XXXX. I went in person where not even the bank manager was of assistance. How can a banking institution operating this manner. Horrible customer service and this affects my college children and my credit which is detrimental. As a bank follow due diligence. This is by far the worst banking experience I have ever had.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Ally Bank has not provided me with any billing statement since XXXX-2024. I do not have any accurate information of how much of my payment went to principal and how much went to interest. I am updated with my payments. 
The number for Ally Bank is as follows : XXXX XXXX The address : Ally Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2024-10-12
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. (HI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-10
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: SYNCHRONY FINANCIAL (NY)

I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
Consumer complaint received 2024-09-04
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. (FL)

my social was stolen and has been used to apply for infomation i have unathorized inquiries on my account that do not belong to me and and accounts that have NEVER been mine and are reporting on my credit profile I have a brand new are not mine 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 XXXXXXXX - WAS NEVER MINE
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/year> I contacted Navy Federal customer service and spoke with a representative at XXXX. I inquired about depositing a check using mobile deposit and was told I could take a picture of the check with my phone using the Navy Federal app. At XXXX ( same day ) I deposited the check using mobile bank and received an email at XXXX that my deposit could not be processed, I logged into my online account and received the message that check not endorsed ( check was signed ). At XXXX I contacted customer service to inquire why deposit was not accepted, unfortunately I could not receive any assistance since I did not remember the code word. I deposited the check again at XXXX writing for mobile deposit only at NFCU XXXX was not informed I needed to write this when I spoke with a representative in the morning ). I also submitted a message on the Navy Federal app asking what steps I can take to change my code word as the representative was unable to answer any questions even if were generic questions. Navy Federal Credit Union has XXXX my online account and I am unable to check the balance. I wish to transfer my funds in order to close my account but I am unable to do so as I have no way to check when the check clears. According to Navy Federal Credit Union website checks may take XXXX days to clear however I will not be informed when this occurs nor do I have any way to check when this occurs.
Consumer complaint received 2024-09-26
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, Bank of America contacted me via email about suspicious activity on my credit card from XXXX XXXX indicating they declined the charges. There were two charges for {$1500.00} & {$1900.00}. I immediately responded via email and phone to Bank of America to say I did not authorize either purchase. 

On XX/XX/year>, Bank of America paid XXXX XXXX, debiting my credit card, despite my request not to authorize payment and on XX/XX/year> Bank of America refunded those payments back to my account treating it as a fraud claim. 

XX/XX/XXXX I received a letter from Bank of America stating they could not approve my claim and charged me {$1500.00} & {$1900.00} on my credit card. A company called XXXX determined there was enough evidence ( name, address, phone number ) to hold me responsible for ordering the tickets through XXXX despite the transaction using a different IP address and internet service than mine. 

Text exchanges with XXXX on XX/XX/XXXX indicated my account had been disabled most likely by the people who hacked into it in XXXX. 

XXXX maintains that I authorized the tickets and used them. I never accepted them via email. The tickets were ordered for a city in which I do not live. 

Someone hacked into my XXXX account and Bank of America paid them despite alerting me of the suspicious activity and my response that I did not authorize the purchase. They knew it was fraudulent from the start.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Loan with XXXX XXXX XXXX XXXX is continuously being reported as a charge off account with an inaccurate fluctuating balance each month which has caused my credit score to fluctuate on average XXXX points up and then XXXX points back down for nearly five months. This account has resulted in two mortgage loan denials despite my otherwise excellent credit. 

I have previously disputed this account which was removed from one credit bureau but remained on my report with Transunion and XXXX. I have contacted XXXX XXXX XXXX XXXX directly to discuss this account to which they were very unprofessional, rude and questioned as to why I was requesting payment history on a loan I " clearly had no intentions to pay '' when all I was trying to do was validate the debt. 

I had contacted the company to request payment history as the balances being reported each month as a charge off are not accurate. The company has told me during two phone conversations that the account was charged off with a balance over {$2000.00} but then my credit report continues to show a balance of {$200.00} then increases to over {$2000.00} and then back to less than {$200.00}. Even after my two requests for payment history, I have yet to receive the information I requested. 

Still at this time, after multiple disputes and contacting the company directly, I have yet to receive appropriate resolution or even acknowledgement of their error and how their errors are impacting my life and well-being and I have yet to receive the requested information to validate the debt.
Consumer complaint received 2023-05-04
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)

I am so upset about this situation. Ive submitted this complaint 3rd times & CFPB & XXXX /EQUIFAXXXXX claiming its being submitted by someone other than me or that there is no file on records. Seems like a lot of passing the buck or not accountability. Whatever the reason. Im beyond annoyed. These inquiries are not mine. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws. Id prefer to not get litigious. Please see this matter is handled. 
XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX XXXX XXXX Inquiry Date XX/XX/2021, XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX dropped me XXXX points over a late payment to XXXX. Reporting late payments is illegal see FCRA. Also this was not a late payment it was a new loan with kikoff. My XXXX was supposed to raise my credit score due to my first loan being paid off with XXXX and yet they never raised my score by over XXXX points like they were supposed to after all loans were paid off. Its was never corrected and additionally dropped me XXXX points over inaccurate info so altogether I lost over a XXXX points over inaccurate info.
Consumer complaint received 2023-05-04
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. (MI)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF ED/XXXX : Installment Loan, 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 an account without my written instructions.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (GA)

I've gone over and over with this company sending my payments from the bank they resolved the problem said my balance was XXXX I closed the account twice they came back saying I owe money still, first it was XXXX balance after I closed the account then they said I owed XXXX, then they sent me {$300.00}, I then sent it back, my balance was XXXX again and confirmed my by account manager XXXX who confirmed its XXXX balance, Now after a month there saying i owe {$300.00}, XXXX called me back and said said she made a mistake, I owe this company nothing they're harassing and discriminating against me, I've confirmed payments with my bank, I owe nothing, my account has been closed for several months and I haven't used it, my credit is XXXX, I pay my bills, this company is desperate for monet and harasses XXXX XXXX. Please help me.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (AZ)

My Apple Card with Goldman Sachs was restricted on XXXX I contracted support from the link and they had me reset my AppXXXX ID and said it would be fixed. It was not fixed. Contacted them again and said I need to call the customer service number. I called and they verified a charge I made that they thought could have been fraudulent. I confirmed the charge and they said it would be fixed. Still wasnt fixed. Contacted them again and was told my account was under review but could not get me a time frame for the review. I contacted them again and they removed the restriction. I used the card on XXXX and the card became restricted again. I contacted support and they said it would be removed, and gave me a new card number. I tried to use the card again but the account was still restricted. Contacted them on XXXX  was told it was removed and to wait 24 hrs as their system was slow at updating. XX/XX/ account still restricted, called again and was told a supervisor would contact me within 24 hours. No one ever contacted me. Called XX/XX/ and was first told there was a server error but a supervisor was working on getting the restriction off. After I sat on hold for XXXX min I was told my account was under review again. Its been XXXX weeks and I still cant use my card. I had the card setup for autopay and have had to change my accounts due to my charges being declined. Every time I contact them it takes 30-60 minutes of my time and Im getting a different story from each representative.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Credit bureau has not removed fraudulent information indicated from my credit report. They have received all necessary documentation. It is illegal for them to leave fraudulent information on my credit report while they claim to investigate. 
I have alerted the credit bureau that I am a victim of identity theft. They have failed to delete the accounts that are fraudulent. I have sent them ALL requested documentation and proof of identity. There are accounts that have been closed with the creditors that are also still reporting. I will include them below. 
XXXX XXXX XXXX -account XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX they are also reporting late payments on an account - XXXX XXXX XXXX - said account has been paid IN FULL every month.
Consumer complaint received 2023-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

I requested a loan payoff in XX/XX/XXXX. Once received I sent it off usps certified mail with a negotiable instrument for the total amount needed to satisfy the balance due on the account. I can upload the proof of delivery. A few days after it was delivered, I followed up on a call to verify if the account was settled with United Wholesale Mortgage the servicer to my mortgage. The agent stated to me they could not find anything in the system showing receiving of any tender of payment. I waited a few weeks to see if it would turn up and it has not. I then ordered another payoff and sent in another instrument for the total payoff. I have the proof of delivery which i can upload. The agent at United Wholesale Mortgage ( servicer ) once again stated it they could not find the payoff and the instrument. 
31 CFR 596.307 - Monetary instruments.

596.307 Monetary instruments.

The term monetary instruments shall have the meaning set forth in 18 U.S.C. 1956 ( c ) ( 5 ), as from time to time amended. As of the effective date, this term includes coin or currency of the United States or of any other country, travelers ' checks, personal checks, bank checks, and money orders, or investment securities or negotiable instruments, in bearer form or otherwise in such form that title thereto passes upon delivery.

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX v. XXXX Bank of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days. 

XXXX XXXX Please remove any false accounts from my credit report to prevent future financial implications. I request your immediate attention to this matter, as my credit report greatly affects me. I expect only factually accurate, verified, and compliant data to be documented. 


Experian/Equifax/Transunion are not evening investing my disputes. I want this account deleted immediately.
Consumer complaint received 2024-09-25
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. (TX)

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 Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.