davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections (OR)

Bonneville Collections purposely violated XXXX laws in an attempt to collect a debt for XXXX XXXX. XXXX did not make a good faith effort to contact me via phone or mail. They filed a court case against me in XXXX XXXX, which is public records and how I became aware of the debt. Additionally, they attempted to serve me at my prior residence where they know I do not live. They must know based on the fact XXXX in XXXX XXXX but the attempt was made in XXXX XXXX. All of this is an attempt to make the issue public and create shame and embarrassment so I just pay them. 

The debt itself is erroneous. I am divorced and my ex got the house and I moved out. I notified XXXX natural and they said no problem. When I got bills for the ongoing usage, I contacted them, reminded them I am no longer responsible for the household, and offered to send them the divorce decree. They finally discontinued service but failed to backdate the change appropriately and apparently sent me to a second rate collection agency.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX I sent XXXX a letter as a rebuttal to the inaccuracies on my credit report in reference to the XXXX XXXX Account ( # XXXX ). I sent a letter detailing the errors. I sent a marked up credit report that showed information that was wrong. XXXX told me that the account was verified and did nothing ( attachments ). 

I also sent a letter to XXXX XXXX to get a print out of my account and to request an opt-out option, so the debt would not report to my credit report. 

In return XXXX XXXX denied my request to opt out, but they did include the printout of my account. As I previously disputed with XXXX to send me the " source '' of verified information. They did nothing. 

Attached, please review my accurate account information that came directly from the lien holder. 

The discrepencies are as follows : On XX/XX/XXXX a payment of {$480.00} was made. It is not recorded on my report On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$320.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded o ofn my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 

XXXX XXXX amount is incorrect. Report shows {>= $1,000,000} This is wrong.
Consumer complaint received 2024-03-21
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. (AZ)

I am a victim of Identity Theft and I reported the XXXX  XXXX credit card ( both # XXXX & # XXXX ) to the FTC as FRAUD and Identity Theft. 
I am a victim of the XXXX XXXX XXXX, see attached. 
XXXX Police Report attached. 
XXXX  XXXX is to BLOCK or delete both cards from my credit reports and continues the non-compliance with all laws and has destroyed my credit to the XXXX XXXX. 
XXXX XXXX posted nearly XXXX false billing line entries on both cards, stole {$100.00} payments, and added false debits and credits, moved my {$100.00} payments back and forth on both credit cards # XXXX & # XXXX, never posted all cash back rewards and interest credits and fees credits, never posting all credits prior to XX/XX/2023 closure of both # XXXX & # XXXX credit cards is FRAUD.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

After making XXXX qualifying payment I submitted my final XXXX application on XX/XX/XXXX. After waiting the estimated 90 days for application review, my account ended up being placed back into repayment status. I have called numerous times and my calls have been deflected when they claim to be " escalating the matter to a supervisor by transferring me ''. I also have not been provided contact information within XXXX calendar days for the representative handling my account request, as per IL XXXX XXXX XXXX Rights XXXX. My account currently shows as back in repayment and past due as of XX/XX/XXXX. 

In addition to this complaint, I have also reached out to Ombudsman for help now.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I open a prepaid credit card with capital one and had to make a refundable deposit of {$200.00}, within a few months of having the card they decided to close my account and refunded my deposit. The balance was XXXX after they refunded my deposit, however months after the account was closed they started charging me interest without my knowledge. I got a letter about 5 months after the accounts was closed claiming that I have a balance of $ XXXX all from interest because they claimed that I had a {$8.00} balance after the account was close and that {$8.00} occurred interest which put my balance to over {$100.00} plus. But the account was a prepaid account and my deposit was refunded before they close my account and the account was left with ZERO balance. They keep reporting the account on my account as open with late payments every month. I have requested them to stop reporting a late payment on my credit and lying about the account being open when In fact the account was closed with ZERO balances. I am struggling financially to fix my credit and had work really hard to build it up and this is really affecting my credit.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

Citizens was contacted on the following dates XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX XXXX then the office of the Chairman, XXXX Case number XXXX was given regarding 1. The removal of the escrow account as more than 20 % down was given at closing and escrow fees continue to rise. 
2. The proper amount of my mortgage loan ought to be {$1200.00} not {$1300.00} as currently requested. 
I was told that by XX/XX/XXXX a verdict would be reached regarding this request. 

It is now XX/XX/XXXX and a new mortage bill arrived 1. Escrow was NOT removed -- no letter, no verdict, no discussion sent 2. There is a {$40.00} fee, that is not justified 3. Current loan payment, even if escrow is to be included ought to be {$1200.00} not the {$1300.00} that they state. 
4. They are requesting {$1300.00} citing an unknown fee and charge, that is not permissible. 

This IS mortage fraud
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-11
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. (GA)

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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (SC)

I reached out to Wells Fargo about my FHA loan on XX/XX/XXXX. I spoke to a home preservation specialist named XXXX. I explained the financial hardship situation I am in stemming from my XXXX XXXX XXXX in XX/XX/XXXX. He said the only thing they could offer was to take my past due payment and add it to my regular payments beginning in XX/XX/XXXX. I cant lose my home. I asked him about my home being foreclosed on, he assured me that I didnt have to worry about that. I received an email from Wells Fargo in XXXX reminding me of my upcoming payment. I logged into my app and made my XXXX payment ( which is two of my normal mortgage payments I had to borrow from my brother ). XXXX comes, I log in and it wont allow me to make a payment. I reach out XXXX, no return call yet ; but its still XXXX so Im not worried yet. Then today I get a letter in the mail saying Final Hearing - Foreclosure. How? When was the initial hearing???? Why wasnt I notified? This isnt right? How can they do this? I called and have an email confirming the call on XX/XX/XXXX setting up the modification. I made the payment in XXXX and have proof of that, even though its very high ( double ). Yet Wells Fargo has concurrently, and illegally, filed foreclosure on my home as if they hadnt communicated with me and set up a modification for me.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (UT)

XXXX : XXXX XXXX XXXX Account Ending : XXXX ( XXXX XXXX ) The XXXX  XXXX XXXX  logo appears on the credit card in question and XXXX XXXX XXXX is the credit card company servicing the XXXX  XXXX XXXX. The XXXX XXXX XXXX  's logo is on all of XXXX 's billing. 

I had a credit card with XXXX XXXX XXXX, the card had a " valid thru '' date of XX/XX/XXXX. XXXX sent me a replacement card to continue with the account that was " valid thru XX/XX/XXXX ''. I elected not to continue with XXXX and in either late XX/XX/XXXX or early XX/XX/XXXX, I called XXXX and cashed in any remaining reward points and to tell them that I would not renew the newly issued card, that I wished to end my account with them at the end of XX/XX/XXXX ( so I never took the steps to activate the replacement card ). XXXX ignored my request to end that association and honored a bill from " XXXX '' that evidently came to XXXX on XX/XX/XXXX. I spoke to XXXX  representatives from XXXX and they refused to listen to any logic or reasoning. I asked why would XXXX honor a billing on an expired account and they refused to answer ; instead they demanded payment. I then contacted the XXXX  XXXX XXXX  and explained the situation ; showing bank XXXX  my documentation, they also contacted XXXX and ran to the same " brick wall '' I did. Unable to reason with XXXX, the XXXX  XXXX XXXX  paid XXXX 's bill themselves. When XXXX of XXXX 's representatives took the time to review their computer notes on my account, he acknowledged that I told them to end my account ( in either late XX/XX/XXXX or early XX/XX/XXXX ). Unknown to me, I somehow had an auto renewal agreement with XXXX and XXXX was using that as an excuse to honor XXXX 's billing no matter if my account was active or closed. I then reached the obvious conclusion that XXXX would honor any claim with anyone who had my old credit card number ( including thieves ). This still remains a disturbing concern. I recently checked my account with XXXX and now, XXXX indicates the old credit card is shown as invalid for any future charges.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I was informed by a bank that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are XXXX XXXX not a credit bureaus. A XXXX XXXX is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct t on what they are doing.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I bought a purchase through a company called XXXX. They automatically withdraw money each month in order to pay off of the purchase. This was all legitimate. 

When they charged me last month I did not recognize the charge so I called Chase on a recorded line ( on XXXX around XXXX ) to inquire who the vendor was ( it hadn't processed yet ). I was told that it was for food, which ended up being untrue. But having been given false information I filed a dispute. 

Once I became aware that the charge was indeed legitimate, I called back and cancelled the dispute. But, in the time that it took to resend the funds to XXXX, I had already been charged again ( charged on XX/XX/XXXX and claim reversed on XX/XX/XXXX ). 

And so, I filed another dispute on XX/XX/XXXX to explain what had happened and make them aware of the double charge. I was given my money back but then they reversed it again on XX/XX/XXXX. So I have still been double charged. 

At this point, Chase is refusing to get my money back despite the fact that I explained ( several times on the phone on XX/XX/XXXX and XX/XX/XXXX ) that this was a double charge. They admitted to seeing that it was a double charge but continue to refuse to do anything about it. I let them know that this essentially makes them a willing participant to a theft, but they don't care at all. 

They told me to contact the vendor, despite the fact that it could take up to 45 days for the vendor to see the charge. The vendor is disputing having received the extra money, so I am completely unable to get MY money back that was illegally given to this vendor.
Consumer complaint received 2024-04-11
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 Subject : Complaint Against XXXX for Non-Compliance with FCRA Standards Dear Consumer Financial Protection Bureau, This letter is to file a complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ) concerning the handling and reporting of my credit information, particularly inaccuracies reported by XXXX XXXX Multiple Erroneous Listings : XXXX has listed the same credit builder loan under multiple names including XXXX XXXX and XXXXXXXX XXXX, causing confusion and inaccuracies in my credit report. 

Disregard for Dispute Resolutions : Despite filing disputes with detailed evidence against the inaccuracies reported by XXXX XXXX, XXXX has not taken adequate measures to investigate or rectify these inaccuracies, contrary to FCRA mandates Adverse Effects on Financial Health : The inaccuracies maintained by XXXX have detrimentally affected my credit score, limiting my access to financial products and opportunities. 

I urge the CFPB to take necessary action to ensure XXXX complies with FCRA obligations by conducting a full investigation into my disputes and rectifying the inaccuracies promptly
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

American Express offered a cash back promotion with a XXXX XXXX XXXX ( XXXX  ) purchase. To qualify you had to accept the offer before purchase. 

I made a purchase with XXXX on XX/XX/24 for {$6100.00}. 
I accepted the cash back offer on XX/XX/24 I returned the XX/XX/24 purchase on XX/XX/24 and received a refund of {$6100.00} I made another XXXX purchase on XX/XX/24 for {$6100.00} I contacted AMEX through the online chat app to no avail. I don't recall the exact date, but it was around the XX/XX/24. 

I called AMEX on XX/XX/24, the CSR initially said it was nothing AMEX could do because the refund and purchase were made on the same day. After requesting a supervisor, the CSR said he spoke with someone else and my offer would be processed within 30 days. 

When I contacted AMEX on XX/XX/24 to follow-up, the CSR said a case was never opened. I asked if the account had been notated. The CSR said she needed to reach out to a different department. CSR returned and said the offer would not be honored because the refund and purchase occurred on the same day, despite the transactions being exclusive of each other. I was connected with XXXX with AMEX 's Digital Assist and Planning Team. XXXX is escalating this to the Backend Team. Case # XXXX. promised a response in 14 days. 
I'm attaching copies of the receipts. The time stamp will show the refund for the XX/XX/24 purchase was processed at XXXX ( XXXX XXXX  ). The new purchase was processed at XXXX ( XXXX XXXX  ). You can't be refunded for a purchase before it happens.
Consumer complaint received 2024-04-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To whom it may concern, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency i i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ithe information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case