davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (TX)

I signed up for a new savings account with Upgrade using a referral offer that stated if I fund my account with {$15000.00} - {$29000.00} within 30 days and keep the account funded for 60 days, I would receive a signup bonus of {$75.00}. I opened the account through the referral link and everything in the terms showed this link was active and would be attached to my account. I funded my account within 30 days over the {$15000.00} requirement and help the funds in my account for around 4 months. I waited for the promotion to be applied to my account but no bonus was deposited into my account. I called customer support and they said no offer was attached my account and they will not offer any assistance unless I have screenshots of my opening account ( who takes screenshots of this ... that's not normal practice ). They refuse to pay out the bonus even though I opened the account during the promotion timeframe, and deposited the exact amount required by the promotion ( why else would I deposit this amount? ). They stated they have the ability to manually apply the bonus but will not do anything without a screenshot of me opening the account ( which they know I wouldn't have ). I need my {$75.00} account bonus applied for following all the terms.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (WA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (TX)

PNC bank stole my money on XX/XX/XXXX at XXXX. Check was cleared in the morning and took the money at XXXX without an reason. The person who gave me the check told me that their check was cleared on their end. PNC has not explain to me why the money was stolen from my account. Check was set as return but they have no idea where the money was returned to. I want I full investigation because i feel as this bank has been taking my money without any reason why. I cash a check in without any problem and deposit half the amount.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of inaccurate information on my credit report Account XXXX Credit Bureau : EXPERIAN Account Type XXXX Credit Card Dear XXXX XXXX XXXX XXXX XXXX XXXX rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : XXXX reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and Experian report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and Experian indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-09
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)

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$1000.00}, but am unable to get my money back due to Bank of America not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Bank of America, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Bank of America has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Bank of America. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Bank of America has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are XXXX pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX XXXX I called Called customer service to request documentation of a charged off account from XXXX which had been settled. I specifically asked for documents that showed the dates and amount. I was transferred to recovery services and spoke with a representative that stated that the document would be sent out via postal mail within XXXX XXXX 

XX/XX/XXXX XXXX No documents received- I called recovery services again to request the same documents and spoke with XXXX XXXX and was told I would receive the documents via fax as well as postal mail. I should receive both -Fax within XXXX XXXX, postal mail within XXXX XXXX 

XX/XX/XXXX I called recovery services and spoke with a XXXX. XXXX XXXX XXXX, and requested the documents again via fax as well as postal mail. 

XX/XX/XXXX received a letter stated that I completed a settle with no dates no amounts. 

XX/XX/XXXX Called customer service - Spoke with XXXX to ask who could provide the documents with the details requested, and was told to contact recovery services and given a number which led me back to customer service again. I then spoke with XXXX and repeated the same story and requested information, but not able to be put in contact with anyone who actually has the requested documents.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Im really stressed out because this Company has mishandled things in a way that breaks the FDCPA rules. Theyve reported an account that I never agreed to or signed, and thats not right. A legal contract should have signatures from both parties, and I wasnt part of any agreement. They also skipped the required 5-step validation process. Because of these errors, Im entitled to compensation under the FDCPA. Their actions have clearly violated my rights, and I need this account removed right away from XXXX, XXXX XXXX XXXX. Thank you!
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-08-13
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. (TX)

The details of the fraudulent accounts are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  CARD SERVICE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX MORTGAGE XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial (CA)

My loan/account with creditor, Spotloan, was 30 days past due on XX/XX/2023, as a result of XXXX  XXXX and financial hardship ( evidence of XXXX can be provided upon request ). I attempted to log into my account on XX/XX/2023 and was unable to. 
On XX/XX/2023, I attempted to log into my account again. I was unable to log-in for a second time ; therefore, I contacted the creditor, Spotloan, to resolve the issue and gain access to my account ( Exhibit 1 ). 
On XX/XX/2023, Spotloan, responded to my request from the day prior, stating the following ( Exhibit 2 ) : " We regret to inform you that your online access option is unavailable due to the delinquency of your Spotloan account. 

You may call to make a one-time debit card payment or go over other payment options by contacting us at XXXX ( XXXX ) XXXX. 

Once you make a payment, you will have the option to log into your Spotloan account again. Be aware that interest on returned payment ( s ) accrues on a daily basis and missing a payment can get expensive fast '' As a result of the delinquent payment, the creditor, Spotloan, has revoked access to my online account. In addition, Spotloan, does not provide mailed statements. I am unable to view my account information, payment dates, past due balance or total pay-off amount. 
As the issues I am experiencing, as a result of XXXX XXXX, continue to improve I am working on reducing my debt and would like to start by paying off high interest loans/accounts, such as my loan with creditor, Spotloan. However, Spotloan 's revocation of my account access has made it so that I am unable to view any information regarding my account in order to appropriately plan repayment. 

A signed summary of this request is attached as Exhibit 3.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (SC)

The incorrect items listed below still appear on my credit report. I would like these items immediately re-investigated and for good cause. XXXX XXXX XXXX Account number : XXXX. These inaccuracies are highly injurious to my credit rating. Inaccuracies of the date open of the account. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. XXXX. The date you contacted the individual funishers of information. XXXX. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Consumer complaint received 2024-09-09
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. (NM)

On XX/XX/XXXX I filed a police report with law enforcement to report that I found accounts on my credit report that were not mine. XX/XX/XXXX I sent in a dispute by mail to XXXX credit reporters showing the exact accounts that do not belong to me. I requested for those accounts to be removed and if they are not that they send me the assignment contract and the information that was used to conduct the investigation.
Consumer complaint received 2023-06-10
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Over the past year, {$8500.00} of my Bank of America payments were mistakenly applied to a closed account ( ending in XXXX ). Despite this, the error went unnoticed, and no refund was issued. I only discovered the issue when my payments werent credited to my active account ( ending in XXXX ), prompting me to contact Bank of America on XX/XX/XXXX. 

I was assured the funds would be refunded within 10 business days. That time has past and I still havent received the refund. Additionally, Ive received no communication or updates. 

The error seems to be caused by the way your payment portal is set up. After logging in and selecting my active account ( XXXX ) for payment, I was presented with multiple options, including the closed account ( XXXX ). Since I only have one account with Bank of America, I assumed XXXX was an authorized user account connected to XXXX. As a result, payments intended for XXXX were sent to the closed account. 

I request Bank of America to audit my accounts to ensure no additional payments were misapplied to account XXXX before XX/XX/XXXX. If any interest was charged to my XXXX account as a result of this misapplication, it should also be refunded. 

This situation has caused financial and mental stress. I now owe nearly {$5000.00} on my XXXX account, and the funds sent to Bank of America were misapplied. As a result, I request : 1. A refund of the {$8500.00} misapplied to the closed account.

2. {$1000.00} in compensation for interest, my time, and financial stress.

3. A refund for any interest charged on my XXXX account due to this error, pending an audit to confirm no further payments were misapplied. 

Please see the attached documentation for more details. What happened to account XXXX ( was it just an authorized user of XXXX )? 

I expect a prompt resolution, including the refund and compensation. Thank you for your attention, and I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

We have been working with a homeowner on a hafa short sale with PNC Mortgage. MONTHS AND MONTHS of them " losing '' paperwork - despite fax confirmations. Now they are telling this XXXX couple that they were declined for hafa due to " inconsistencies ''. They REFUSE to elaborate. I can not imagine any inconsistencies, however, per their hafa matrix, they are supposed to request documentation to explain. They refuse and are telling us that they will only give an explanation if the homeowner requests in writing - this is not acceptable. We have a good offer and these buyers will not continue much longer. They have offered them a short sale wherein they will not waive the deficiency without a huge contribution. This couple is on XXXX and has NO MONEY.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I have been a customer of XXXX car insurance for over 5 years and had set up monthly auto-pay with paperless billing. On XX/XX/scrub> 2023, I chose to cancel my XXXX insurance policy by contacting the XXXX agent directly. The agent did not inform me of any outstanding balance on my account, and my online account was deactivated after XX/XX/scrub> 2023. 

On XXXX XXXX, 2023, I received a notice from a collection company representing XXXX, claiming that I owed them {$230.00} and that they had already reported this to my credit report. I immediately reached out to the XXXX agent, who explained that it was a pro-rated premium for the period before I canceled my policy. I never received any billing information either by mail or online ( because I enrolled in paperless billing and autopay ). I made the payment the same day, and the XXXX agent assured me that his team would inform the collection agency to remove the collection history from my credit report. However, even after one year, the collection history is still visible on my credit report, significantly affecting my credit score. Several banks have rejected my mortgage application. 

The way XXXX has handled this situation is unacceptable. I was unable to receive the final pro-rated statement because : 1. The agent did not inform me of any outstanding balance when I canceled my policy.

2. I lost access to the online portal the day after I canceled my policy.

3. I was enrolled in auto-pay, and XXXX could have directly charged my credit card instead of sending the final bill to a collection company.