davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

American Express ( AMEX ) has misled me as an investor and has caused me financial harm, this includes securities fraud, breach of fiduciary duty, and deceptive practices. My interactions with American Express have been marked by their failure to redeem my registered debt securities as tender of payment, as well as their non-compliance with their own SEC filings. 

On XX/XX/year>, I sent AMEX a negotiable instrument as tender of payment, with instructions, in the amount of {$530.00}. However, my account was never credited. On XX/XX/year>, I sent AMEX another negotiable instrument as tender of payment, with instructions, in the amount of {$1100.00}. An amount of {$1600.00} appeared in dispute, however my account credit was never issued. 

I have since received this notification stating, We recently received an American Express payment coupon which appears to have been modified to be used as a payment instrument. We can not honor a payment coupon as a form of payment for the above referenced account. 
I respectfully disagree with this determination. 

I know my payment coupon constitutes a valid form of payment as my negotiable instrument is an eligible investment according to AMEXs SEC filings. Furthermore, in accordance with UCC 3-604 ; any rejection, surrender, or mutilation of an instrument deems the debt discharged. In accordance with UCC 3-603 ( b ), if an instrument is rejected, liability of said instrument is relieved from any interest and any expenses arising from the rejection, and the recipient must return the instrument. To date, my negotiable instruments have both been rejected, but not returned. This constitutes discharge of the debt from my account.

Additionally, I believe these violations constitute a violations of 12 CFR 1026.12 and 1026.13. American Express 's refusal to accept a valid negotiable instrument deviates from their standard practice or stated policies and is unfair. According to 1026.13, American Express is required to investigate and resolve billing errors promptly. Failure to do so would constitute a violation of this regulation Moreover, their response does not address the core issue of my right to redeem the negotiable instruments as specified in their indenture agreement and UCC regulations. It also does not provide a valid reason for rejecting the payment instrument other than stating it was a modified payment coupon, which is unfair, deceptive and misleading to me as an investor. This also contradicts their fiduciary responsibility to honor eligible investments as tendered payment.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

In XXXX of XXXX, a delinquent debt was reported to all three major credit bureaus through a debt collection company originating from a disputed fraudulent bill tied to a landlord tenant dispute ( I was the tenant ). This action caused a significant drop to my credit score across all three major credit bureaus, ranging from XXXX points. Through almost 18 months of disputes with the original creditor, as well as multiple lawsuits against them, this debt was settled in my favor. One of the stipulations of this settlement was that the original creditor would have this delinquent debt completely removed from my credit history. After another 4 months, about a dozen direct disputes with each of the major credit bureaus, and the threat of additional lawsuits, the debt was finally removed from my credit history in early XXXX of XXXX. To my astonishment, the removal of this debt, the only negative item on my credit report, had zero impact on my overall score, meaning the XXXX points that I lost were not returned. I sent requests to all three major credit bureaus to have my score reviewed and recalculated and have not received a reply, nor seen any improvement to my credit score. Additionally, I can not find any other method to directly dispute my score alone, only reported debts. I acknowledge that the algorithm used to calculate my score is more complicated than I will ever fully understand, however it seems a reasonable assumption that if you are going to drop my score immediately and punish me for a fraudulent debt that was not my responsibility, when that debt is completely removed, my score would recover immediately as well. I do not know what else to do to get a resolution to this matter and appreciate any assistance you can provide.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I ' ve attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may 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, XXXX, IL, XXXX Employer - XXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

In XXXX of XXXX I was not informed of Maryland Homeowners Assistance Fund ( HAF ) and that my only option would be to increase my mortgage payments and interest rate. After reversing a re-payment plan agreement, PennyMac once again, on XXXX XXXX, prior to end of re-payment agreement, told me that my only option to save my home is to increase my mortgage payment and interest rate. 

On XXXX XXXX XXXX Penny Mac Loan Servicer sent me a letter to cure default and intent to accelerate. On XX/XX/XXXX, I called PennyMac to review my options for assistance for missed payments XX/XX/XXXX and XX/XX/XXXX. After receiving a letter from Penny Mac on XX/XX/XXXX, stating I had no options available, I called PennyMac on XX/XX/XXXX and set-up a repayment plan, allowing me to bring my mortgage current by making double monthly payments starting on XX/XX/XXXX to XX/XX/XXXX, the Lender assured me, that the agreement was in good faith and no paper work was needed as long as I made each payment before the end of the month. 

Penny Mac accelerated foreclosure proceedings on my home, after agreeing to a verbal repayment plan. Penny Mac Loan Servicer made a verbal agreement with me for a repayment plan to bring my loan status current. My double payments ( {$3500.00} ) were set up for automatic withdrawals from my bank account on, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and PennyMac reversed each withdrawal. PennyMac reversing payments, caused my home to go into foreclosure. Instead of taking the double payments from my account, PennyMac dishonestly, applied me to another agreement that would increase my monthly payments from {$1700.00} to {$2300.00} and interest rate from 3.0 % to 6.875 %.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

I am the payee of social security XXXX benefits on behalf of a XXXX family member. A substantial sum has built up in my debit card account, and I need it transferred to my bank account so that I can pay bills for my family member. I have asked XXXX XXXX XXXX I can transfer the funds to my bank and followed their instructions, which are : email them full name, photo id ( drivers license, front and back ), recent bank statement, bank routing and account number. 

( Is this secure? Email? ). In response I received an auto reply saying they need XXXX hours to review my request. Then, nothing happened. 

I called again. They said my request was rejected with no notice to me because the subject line of my email said " Transferring funds '' rather than : " ACH Transfer '' ( instruction which was not provided by the agent ). 

I recent the email. Still, nothing happened. 

I called for the third time and was on hold for XXXX minutes. Gave up. Called again. Was told by the customer service agent that she was just an operator who did not know how to help me. Offered to transfer me to a supervisor. I agreed. We got disconnected.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (FL)

Without cause, TD Bank decreased my credit limit from {$5000.00} to {$3900.00}, therefore increasing my credit usage which negatively affects my fico score. I do not have any late payments.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX : {$460.00} XXXX XXXX  XXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Consumer complaint received 2024-07-18
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/year>, I received a hard inquiry on my credit score without giving anyone permission to do so. I never applied for no new credit cards or loans etc. This hard inquiry came from lender Comenity Capital Bank, which is part of Bread Financial. Which is also XXXX XXXX  accounts that are issued by Comenity Captial Bank. I am disputing this because it was a mistake and I would like my credit score to reserve and for the hard inquiry to be taking off.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Next Financial Inc. dba Copper (TN)

I opened an account with Copper Bank and deposited funds. While I had funds on deposit with Copper they suspended their banking products due to the bankruptcy with third party XXXX. After months of email updates Copper finally announced in XX/XX/XXXX that the bankrupt trustee had approved distribution of funds and that I would hear in a week about when to expect the funds. It is now almost XXXX and at no point has Copper reached out to me with an update on a date to receive funds. Copper has ignored me numerous times and when they have responded they continually move the goal post with different dates and various excuses for why the funds havent been returned. I reached out directly to the third party payment vendor that copper claims to have hired to disburse the funds and have attached their emailed response. I have attached some of the communications between me and copper. It appears this problem with copper holding funds they have previously agreed to return has affected thousands of customers and should get the attention of the CFPB
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 U.S. DEPARTMENT OF EDUCATION : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 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. States a consumer reporting agency can not furnish a
account without my written instructions.

15U.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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (PA)

Ally Bank Issues To Be Discussed Cashed A PA Dept Of Treasury Of Check Told By XXXX On Chat Transcripts XXXX XXXXXXXX XXXX  Thank you for your patience. Reviewing your account and speaking with my back office we show that this check was approved and will be available into your account by end of business day today. Currently ehceck processing is done throughout the day and there is no certain time that's provided. 

Re Affirmed Currently it will be available into your account by end of business day today Phone Call With Rep About account and Deposit and Was Placed From phone Number On Record XXXX On XXXX XXXX @ XXXXXXXX XXXX  Lasted XXXX XXXX lasted XXXX Mins XXXX Sec promised It Would Be Available today XX/XX/year> Then XXXX I get an email you got confidential information the check wont be paid under banking rights i have the rights to information and what the Confirmation on what the confidential information was and the check cleared as agreed Conversation With XXXX Also States It would available the XXXX Of XXXX not XXXX buissness. Day! 

XXXX After Conversation XXXX XXXX XXXX XXXXXXXX XXXX  I have escalated you concern to our executive office. Your phone number has been provided as a form of contact. I have requested that this matter be handled as a high priority. As of now I do apologize again I am unable to have the funds released to the account, but I a supervisor will review your case ASAP and contact you immediately with an outcome. Your reference number is XXXX. Right now the executive team is reviewing the call that you had with the phone agent and the chat agents thread. They do ask that you allow them the time to review your case and they will contact you immediately
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/ ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : 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  Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses 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 addresses are the result of identity theft and fraud.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I deposited a check for {$6700.00} into CitiBank. A check for rent from a tenant. 
I called the bank on XXXX and they said the funds will be available on the next business day. 
I called on XXXX and they said they will be available tomorrow. 
I called on XXXX they said they will be available on XX/XX/XXXX. 
I havent received any written communication to support this. 

On XX/XX/XXXX The branch manger told me to get proof the funds have cleared the tenants account. The tenant confirmed the balance has been taken out of the tenants account on XXXX. I emailed the branch manager and ccd the tenant. 

I will attach a copy of last months rent deposit and an older check from XXXX I deposited remotely and the email to the manager.