davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Card Acquisitions Group (LA)

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX  and its use of XXXX different debt collection agencies simultaneously to collect a single debt. This practice is not only confusing and harassing but also appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe XXXX XXXX XXXX has violated the following provisions : XXXX. XXXX USC XXXX ( XXXX ) ** XXXX XXXX XXXX XXXX  has listed the debt without my written consent. I did not authorize the sharing of my information with multiple debt collection agencies, which constitutes a violation of my privacy rights under this section. 

XXXX. XXXX USC XXXX ( b ) ** : The information being reported by XXXX XXXX XXXX is inaccurate and not up-to-date, given that they are using multiple agencies to collect the same debt. This results in a misleading representation of my creditworthiness. 

XXXX. XXXX USC XXXX : XXXX XXXX XXXX has failed to properly investigate and correct inaccuracies on my credit report. Despite my requests, they have continued to report erroneous information, causing undue harm to my credit standing. 

Details of the debt collection agencies involved are as follows : XXXX XXXX XXXX, XXXX, FOSTER AND MONROE LLC I have attached copies of all relevant documentation, including communications with the debt collection companies I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant regulations under the FCRA. Additionally, I seek the removal of any inaccurate information from my credit report and cessation of any further attempts to collect this debt in the manner described. 

Furthermore, under XXXX XXXX Code XXXX, XXXX XXXX XXXX is liable for willful non-compliance with the FCRA. If they fail to delete this inaccurate item after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Consumer complaint received 2024-05-30
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for the Amex Gold Card and added two additional cards using two different offers ( XXXX for a XXXX bonus with a XXXX XXXX spend and XXXX ). However, upon meeting the spending requirement for both additional cards, I only received the bonus for one. When I reached out to customer service, they incorrectly explained the following : The maximum you can earn as part of this offer is XXXX Membership Rewards points. 
Purchases made by other Additional Card Members on your Account will not count toward the {$2000.00} purchase requirement. 
Purchases made by eligible Additional Card Members will not be combined to satisfy the {$2000.00} purchase requirement. 
Your purchases as the XXXX XXXX XXXX will not count toward the {$2000.00} purchase requirement. 

This explanation is fundamentally wrong since I have repeatedly explained that I used different offers to add the additional cards. Therefore, I should receive two separate XXXXXXXX XXXX  bonuses.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

I recieved a American Express gift card on my birthday, in XX/XX/year>. The gift card does not expire until XXXX. I tried using it everywhere. But it doesn't work, while American Express states it can be used on almost anything, especially main shopping sites like XXXX and XXXX. So it's now just sitting there collecting dust basically. It's making me think the gift cards are a waste of money. I don't know how I can use this gift card. I need help.
Consumer complaint received 2024-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (FL)

I already have a payment set up for my past due amount to be paid and I keep receiving over XXXX calls a day from this debt collector. They leave very scary and threatening voicemails and when I try to call back and tell them I have a payment set up already the number doesnt exist.
Consumer complaint received 2023-02-13
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, On XX/XX/XXXX I applied and was approved for the Amex XXXX XXXX Credit Card. I applied through a XXXX promotional offer link, however only received XXXX points. I have called multiple times and the agents have not been able to help or explain why. It was extremely misleading because every time I refreshed the page it showed a different amount of points for the bonus, however I clicked on the XXXX offer. I thankfully took a photo because I sent it to XXXX of my friends to also inform her of the great offer. I am requesting that I be made whole for the additional points. I have contacted numerous times and unfortunately got no where by contacting Amex.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (GA)

I called Best Egg to make arrangements for my XXXX accounts and to specifically inquire about what I had to do so as to not be delinquent or be reported as being late on my credit report. This was after I received communication to call for alternate arrangements. This was the first request I made before we even agreed to proceed. 

Best Egg 's representative indicated a payment plan, that he recommended was the way to go and it would reduce my payment as well as keep my accounts current. Given that guidance, we proceeded to set up both accounts for the payment plan. I recently received a 30 day delinquent notice from the credit bureaus ( the XXXX of it's kind with any account I have ) as I keep good faith in honoring obligations ( aka calling Best Egg proactively ). I reached out to Best Egg when I received this notification only to be advised they were sorry but it was a misunderstanding on the part of the agent. Being penalized and having this cause a significant financial ripple effect to my standing is causing irreparable damage. The actions of Best Egg has caused financial hardship as credit card companies are seeing me as a risk and reducing my limits/restrictions.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XX/XX/XXXX BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Employer - XX/XX/XXXX Incorrect DOB : - XXXX Employer - XX/XX/XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX AXX/XX/XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Listed below are the Collections that are being challenged XX/XX/XXXX - XXXX XXXX XX/XX/XXXX Listed below are the Inquiries that are being challenged XX/XX/XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XX/XX/XXXXPART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BOK FINANCIAL CORP (TX)

I was activated with the XXXX XXXX XXXX in XX/XX/XXXX for XXXX pandemic. When I completed my service, I needed to update my disability rating with the county tax board. While I awaited confirmation from the county, XXXX XXXX paid the taxes that were eventually exempted. XXXX added the tax amount to my account and an escrow that increased my payments, even thought the county exempted my taxes. Since XX/XX/XXXX, XXXX has added multiple fees and overcharges to my account totaling over {$13000.00}, issued multiple negative reports to my credit and have since issued a notice of foreclosure to my residence. I obtained legal representation to help with the issue. After my lawyer advised me to settle with the company, the only mitigation offered was a loan modification with terms I did not agree with. I have offered to have the loan reinstated and asking to pay off the amount of mortgage owed less the fees. The mortgage company representative has refused to work with me in any way and will not allow me to speak to another person from the company.
Consumer complaint received 2023-02-13
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX/XXXX/2021
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (FL)

I am for the last time, demanding that you remove the said account from my credit reports or else I will leave me with no choice but to commence a lawsuit for harassment and the interference with my livelihood.To date you have not provided me with any documents clearly showing that the creditor has a valid case against me and yet you decide to retain this negative item on my credit reports.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
Consumer complaint received 2024-07-14
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: CITIBANK, N.A. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-14
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: WELLS FARGO & COMPANY (IL)

I received an email in early XXXX from Wellls Fargo that I owed a payment. I looked on Wells Fargo online account and saw that the balance on my card was zero so I called Wells Fargo. I had an account with WF in late 2023 that was closed this credit card ended in XXXX. I reported fraud to Wells Fargo XX/XX/XXXX. The charges are still appearing on this closed account. In fact Wells Fargo decided to send me a new card on a closed account. All my calls with Wells Fargo have done via relay and it is really difficult to try to work with Wells Fargo on XXXX calls. They still can't / won't tell me how charges were made to a closed account ending in XXXX
Consumer complaint received 2024-06-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Ok first I was wrongfully fired from the US postal service, the Alabama IRS has been illegally paying debts to the postal service and other credit card companies via tax refunds and stimulus. Now bank of America is sueing me in an improper junction in the wrong county. Since the state the debt was accrued was in Florida prior to XXXX They are supposed to sue me in the county I work or reside. They have sued me four times now, three times they failed to appear in court. In Indiana they aren't allowed to sue on a debt passed six years and have failed to prove the debt existed, I feel they picked a junction that may possibly award junction. Also they did a substitution to manipulate their failures to prove the debt. I'm also confused why I'm summoned to court three prior times and the judge in XXXX Indiana doesn't bother to even address me as a human being since they failed to appear. Seems like abusive oppression if you ask me and a an abuse of power by a judicial system sworn to protect my rights
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2024, my debit card info was stolen despite having the physical card on me. Unauthorized purchases were made to a company named XXXX XXXX, a sunglasses company. A total of {$3300.00} was taken out of my account. Contacted my bank Chase and made a claim. The money was credited from the bank but on XXXX XXXX, 2024, a total of {$790.00} was reversed from my account. Contacted the bank but they say merchant has evidence stating in which I participated in these transactions. I did not. My name and billing address were used, but the email and shipping address that are connected to these transactions do NOT belong to me whatsoever. Merchant themselves are hard to get in contact with so they wont help me either. Please help me get my money back.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

Cooling and Winter neglected to seize collection activities on a debt that was disputed. ( See attachments per the FDCPA ) amongst other illegal practices. Mainly once I notified them that the debt was disputed the continued with collecting on a debt and today makes 60 days since since I first requested verification of the debt USING THE FDCPA letter on their website. To date I have NOT received the requested documents to validate for the debt. Also its clear you typed up that letter because I informed the CFPB that I never received notice. If your claiming I did then where is my signature from the certified letter. Again, you NEVER sent notice.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

On XX/XX/year> at XXXX i tried to withdraw my money at a atm in XXXX va XXXX XXXX {$140.00} the atm didn't dispense my money out so i told the XXXX and tgey told me to contact chime because tgey have no control over the atm i did so and chime tells me they will do a temporary credit on my account immediately till they resolve it been waiting i needed to pay a bill with that and now they closed my dispute and denied after telling me they was crediting my account to get my money back if i have to i would take legal action if i dont get my money back
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Winklevoss Exchange LLC (CA)

I have tried multiple times to make a payment on my account. However my account was canceled by Gemini and so I have no access to it, I can't log in or see any of the information. I called and they told me that I could not make a payment over the phone and I can't make a payment online because of my canceled account. I can only pay by check I requested a statement be mailed to me I have not received it, I requested a emailed statement and it is a link to the account I don't have access to. They are charging late fees and interest on a account they have made impossible for me to make payments on. I don't know my account number and I don't even have the number on the card as it's design has no number on it
Consumer complaint received 2024-06-24
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)

I benn a victim of identity theft. I contacted Transunion and told them for this inquiries are fradulent and provided proof. even thought they told me that this inquires were verifed .My personal information been used to obtain good and services.Please dispute and remove this fradulent infromation on my credit report XXXX XXXX XXXX bank XXXX XX/XX/year> XXXX  XXXX ( bank ) XX/XX/year> XXXX
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (GA)

I am writing because I have probable cause to believe that I am a victim of identity theft because I have pulled copies of my credit report on Experian, in XXXX of XXXX and have found unauthorized accounts removed from my credit report. 

According to consumer law, 15 USC 1681B, all unverified information reporting must be removed.

In addition, I'd also like to mention consumer law, 15 USC 1681b ( 2 ), which states that any negative item that a company reports without my written consent is considered identity theft. 
These inquires do not have permissible purpose to have been furnished on my credit report. 
The inquiries that are in violation of these laws have been listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also attached my FTC report below.
Consumer complaint received 2024-07-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MI)

Complaint and demand to explain how many " loans '' under zero % interest XXXX has and with whom ; for which " litigation '' case and names of attorneys whose fees were billed to XXXX in the amount of {$220000.00} between XX/XX/XXXX to present time. Explain why she was charges XXXX times {$24.00} " late fee '' between XXXX XXXX to present time for every single transaction and the source of payments received by XXXX on XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX in excess of XXXX 's payments. Demand to provide a hard copy of the Servicing Agreement and copies of all insurance payments for over {$350000.00} of " fees and charges '' received by XXXX and real Servicer Wells Fargo bank from any Insurer : The Department of Veterans Affairs or any other party who paid these {$350000.00} fees and charges. For example, On XX/XX/XXXX XXXX received {$35000.00} non-borrower payment with late fee {$24.00}. Please disclose the source of this payment.