davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing to formally lodge a complaint against Bank of America regarding the abrupt closure of my credit card account and the discriminatory actions taken against me in relation to my valid immigration status. 

On XXXX XXXX, 2024, Bank of America closed my credit card account without any prior notice or justifiable reason. Prior to this, both my credit card and checking accounts were restricted ion XXXX XXXX 2024, preventing me from accessing my funds. I had provided Bank of America with a valid XXXX XXXX legal immigration document, which clearly establishes my legal residence in the United States . Despite this, the bank refused to accept my documentation and continued to deny me access to my accounts. At this point, they only would accept a valid Driver License. My driver license was valid until XXXX XXXX 2024 and I was in the process of renewal. 
My account was restricted before the expiration of my valid driver license. While I was in the process of obtaining a new driver license from the XXXX  XXXX, Bank of America took the drastic step of closing my credit card account without issuing any notice or warning on XXXX XXXX, 2024. The only correspondence I received was a letter dated XXXX XXXX, 2024, which I received on XXXX XXXX, 2024, nearly a month after the expiration of my old driver license and one day after the closure of my credit card account. In this letter Bank of America requested documents for proof of legal residence. I never received any other letters from this institution in XXXX  or XXXX  2024.

This series of actions
by Bank of America has had a severe and detrimental impact on my credit score, which resulted in my inability to secure a favorable mortgage for a house I intended to buy. This situation has caused significant financial distress and further harm to my financial well-being. I strongly believe that I have been discriminated against by Bank of America due to my nationality, despite providing valid and lawful immigration documents. 

The actions taken by Bank of America are not only unjust but also reflect a serious violation of my rights as a consumer. I request that the CFPB investigate this matter promptly and take the necessary actions to address this discriminatory and harmful behavior by Bank of America. 

I look forward to your prompt attention to this serious issue and hope for a resolution that rectifies the harm caused to my financial standing and personal well-being. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-27
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 accounts on all three bureaus must be accurate and correct, and not reporting misinformation or mispresentation of information, XXXX XXXX was not able to verify the information also I contacted the creditor and they did not provide any documentation supporting this account I do not have contract with XXXX XXXX so therefore this information must be Deleted immediately. 15 U.S. Code 1681s-2
Consumer complaint received 2023-03-13
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found several accounts that I do not recognize and believe are erroneous. I would like to request your assistance in investigating these accounts and having them removed from my credit report. 

XXXX XXXX Account Number : XXXX I have no recollection of this account and do not believe it belongs to me. Please remove this account from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXXXXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX The inquiries have reached the statute of limitations and should be removed from my credit report. 

I kindly request that you investigate these accounts and remove them from my credit report if they are found to be erroneous. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-26
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. (KS)

I just recently looked at my Experian credit report XX/XX/XXXX. I saw hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 5. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b
Consumer complaint received 2024-08-26
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

ACCOUNT NAME:  XXXX XXXX 
ACCOUNT NUMBER:  XXXX XXXX XXXX XXXX  

DELETE THIS ACCOUNT DUE TO INACCURACIES OF BALANCE AMOUNT REPORTED XXXX ON XXXX XXXX AND EXPERIAN.
XXXX XXXX XXXX XXXX XXXX), WHO REPRESENTS XXXX XXXX XXXX PROVIDED ME BY MAIL VERIFICATION OF MY ACCOUNT DETAILS. 
PAYMENT HISTORY OF ACCOUNT DETAILS THAT ( XXXX) VERIFICATION PROVIDED, SHOWS BALANCE AMOUNT OF "XXXX", FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXX. BUT YET XXXX XXXX AND EXPERIAN SHOWS XXXX.
XXXX XXXX XXXX RESPONDED ON MY FEEDBACK THROUGH CFPB THAT MY ACCOUNT IS HANDLED BY OUTSIDE COUNSEL.  BUT YET I RECEIVED A LETTER IN THE MAIL XXXX XXXX XXXX GOT SAYS THE INFORMATION THAT THE CREDIT REPORTING AGENCIES ARE REPORTING IS VERIFIED AS ACCURATE AND COMPLETE BUT YET THEIR OWN COUNCIL XXXX XXXX XXXX XXXX SAYS DIFFER WITH THE VERIFICATION DOCUMENTS THAT WAS PROVIDED TO ME.
THE CREDIT BUREAU STATED THAT MY ACCOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE BALANCE AMOUNT IS DIFFERENT FROM THE VERIFICATION I RECEIVED FROM THE LAW OFFICE THAT REPRESENTS WESTLAKE FINANCIAL SERVICES THIS IS GROUND FLOOR REMOVAL THEY HAVE VIOLATED MY RIGHTS.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

At some point in XX/XX/year>, someone stole my XXXX XXXX XXXX  XXXX credit card number and made a number of fraudulent purchases, including Experian credit monitoring. This was reported as fraud. The same fraudulent charge showed up on XX/XX/year>. This was reported as fraud. The fraud has since been repeated on XX/XX/year> and XX/XX/year> - and has been reported as fraud to XXXX XXXX XXXX. I've attached the receipt for the fraudulent service- notably, I'm not the person receiving it!
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc. (ME)

I revoked my ACH authorization to this company, and they continue to store my bank information and have now processed another payment. After having previously confirmed they revoked the ACH Authorization and there would be no more payment at withdraw.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc. (SC)

I made a purchase to XXXX on XX/XX/XXXX. The order was cancelled by XXXX and I did not receive any of the merchandise. I contacted XXXX to let them know so the charge would be reversed and my down payment would be refunded. XXXX refused even after me providing the order number and proof of the order being cancelled. When a 3rd party such as XXXX purchases an order, they use their own card. The card XXXX issued ended in XXXX. I am not sure if that is the reason why they are denying the order was cancelled but I have sent over more than enough documentation to prove the order was cancelled.
Consumer complaint received 2024-08-16
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: CITIBANK, N.A. (CA)

XXXX was made XXXX expected to receive the items XXXX I received XXXX out of XXXX items. I contacted XXXX XXXX to see where the missing items were. They looked into it for about an hour. They decided to refund me but due to the amount they needed to get it approved. Keep in mind I never asked for a refund i was simply inquiring about where the other items were. They got approval but when they attempted to refund me some third party company called The XXXX XXXX said it was denied. I contacted them and they sent me a simple report that says denied with no explanation as to why it was denied. It makes no sense since I didnt even request a refund it was HD decision to refund. I then ask HD if they could resend the missing items and due to there being no more stock available they couldnt do that. I contacted the retail equation again and they said they would send a response to HD on XX/XX/XXXX. I had not heard anything so XX/XX/XXXX i contacted XXXX again and they told me to open a dispute because they still couldn't refund me. HD denied the dispute so i reopened the dispute round XX/XX/XXXX and they said they would look into it and sent a response i needed to contact them again so i did around XX/XX/XXXX and they said they didnt need anything from me but they are having the shipping company investigate. I have not heard anything since then. I also decided to just return the order instore due to the whole issue with the dispute but i was again told i am unable to be refunded for anything due to The Retail Equation.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

I was a bank holder with XXXX and incurred thousands of dollars in overdraft fees due to the predatorial ( XXXX ) practices of the bank. 

I have had the same experiences with several other banks and thousands of dollars in overdraft fees. I would like to claim as much as I can from these XXXX bankers.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prog Holdings, Inc. (CA)

Today on XX/XX/year> approx XXXX hrs I went online to an installment app called XXXX. I was approved for XXXX $ XXXX shopped online at XXXX XXXX  upon completion of the transaction I was asked to place XXXX $ as a payment for the rest of the order to be covered in the amount of XXXX XXXX When trying to checkout the amount was denied yet I was charged and was issued a billing statement. I have reached out to this company and discovered they dont have any live agents, no XXXX  only send an email. I received a generic response stating thank you for your submission we will contact you in a few days. I went to the live chat and have yet to hear from anyone
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've applied for two separate refi mortgages in the past year. Both times, after the company I am working with runs my credit, I am bombarded by phone calls ( over 100 ) from other mortgage companies with high pressure salesmen trying to get me to use them instead. I can not see how it is legal or fair for credit bureaus to share with other lenders that my credit has been pulled for a mortgage inquiry. This should be changed and the practice should be stopped immediately. 

I also do not know which agencies are doing this, as I as the consumer do not know which company the lender is using.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

Collection agency name : CREDIT SYSTEMS INTL IN Address : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Dear CREDIT SYSTEMS INTL IN I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct person and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement that I have signed with your company or the original creditor. 

In Accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information listed below : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information.

I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX TX XXXX
Consumer complaint received 2024-10-22
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: Upstart Holdings, Inc. (FL)

According to the IRS an unpaid charge-off is Income, and according to the FCRA Income can not be reported on a credit report. I am requesting very respectfully a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : - UPSTART Loan : XXXX After having checked my most current report, and previously having received an Upstart letter via e-mail on XX/XX/year>, this letter stated that the account was sold to XXXX XXXX XXXXXXXX XXXX In this event, this account can not be reported as a charge-off on my credit report if the account was sold to another XXXX / XXXX. Please, send the 1099-C form.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (NY)

This company keep on calling me none stop every time check my credit keeps tell me that this company pop up on credit again after it said it was closed out so wan na know who really playing with my credit cause this don't make any sense to keep taking it off my credit then to put it back on there there for ill be suing this company.
Consumer complaint received 2024-10-08
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: CITIBANK, N.A. (PA)

I contested the charge on a registration fee for an exam that advertised as being current to market, which ended up not being the case- this was evident after registration once I was able to review the examination study materials, and the exam date has still yet to occur ( XXXX ). The exam administer disagreed with this, so I disputed the charge with my credit card provider on XX/XX/XXXX as the fee is quite substantial at {$1000.00} while missing material on XXXX XXXX industry standards which began implementation in XXXX of XXXX ( source, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I provided all relevant information on the phone and online, and followed up with a call the next week to confirm this. I was told that they had everything they needed, and that the merchant had until XX/XX/XXXX to respond. On XX/XX/XXXX I received an email noting that I had a new message regarding my dispute - there was no message to be found, so I called and inquired. They informed me that they sent a letter in the mail, which I never received, requesting more information. On XX/XX/XXXX I was sent the letter via secure email. I promptly responded in the same day to the email in question with all requested information ( XXXX ). I received confirmation of receipt of the documents. On XX/XX/XXXX, I received notice that my case was closed and that I was liable. I called to find out why this was, and was informed that I never provided a scanned image of my signature- this was never requested of me, following the confirmation I received of my document submission. On XXXX I provided again, the same information this time with a scanned and dated signature. I was told that my dispute would reopen. Today XXXX, I check the status of the dispute, and it still shows closed. Confused, I call again and speak with a representative who informed me that it was not reopened, and that it was closed because of the merchant response. I then asked for a copy of merchant response. The representative informed me that, not only was there no merchant, but Citi had yet to even contact the merchant. So XXXX ( XXXX ) weeks later and Citi has performed NO action. Shocked and frustrated, I asked to speak with a supervisor about the multiple mishaps- they 'understand my frustration ' but they 'have no updates to share, please wait XXXX business days. ' I was also informed by the supervisor that the dispute timeline now resets due to their errors, and that resolution wouldn't be until AFTER the proposed examination date - all the while I am unaware if I will be receiving my money back or not. Not only this, but the merchant will very likely question why it took so long for me to contest since they have yet to hear from my financial institution. Both the errors and this resolution of process as a result are unacceptable and do not look out for the consumer.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

You guys are illegally reporting an open account as closed and a charge off when im still logging into my app making payments & have my car and never got any kind of notifications saying it's in collections, repossession, nor a charge off. On top of that it says I'm up to date with all payments as of XX/XX/year>. See attached.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

XXXX  Account # : XXXX Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/year> The account passed the statute of limitation and I am requesting it be removed from my credit report.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Identity theft Please remove accounts right now as these are in direct violation of the law. 

If they are not removed with 4 business days I will be reaching out to the Attorney Generals office. Using this as a paper trail.