davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hi I guess I am one of many having problems with Fifth Third Bank, This bank is saying That I applied a credit Card account ending XXXX with them when I have never applied for it, Now they are saying that have a balance in that card of {$14.00}, I have never applied for this card and what I would like is my information being erased forever from this bank, I have being receiving statements of this card even when I am not the card holder, they also sent me a check with a credit of {$29.00} that is a negative balance in one of the statements they have been sending me and now that there are a balance of {$14.00}, I ask this bank to erase my information from its database immediately, I not going to pay any balance of any card I haven't applied for or any card that it has got a fraud on it, I have been in the United States living for 17 years, and I've never being involved in a debt I have not being able to pay, I have never gotten any problem with any banks in those 17 years. This bank has been making my life miserable since time ago, I have never complained of any other business in my life time living here, all the problem is with this bank.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (VA)

Beginning in XXXX of 2024 I asked for review of my three American Express accounts under the Louisiana State SCRA ( state statute 29:312 ). This law provides for a 6 % interest rate cap for obligations incurred after the start of XXXX XXXX and states in Section D that XXXX  orders to Louisiana are the requisite documentation to provide to creditors in order to receive SCRA benefits. 

In the intervening months, through numerous written and verbal communications with American Express, this request has not been remedied. I have diligently and patiently provided all the documentation dictated by law and have not even received confirmation that American Express has reviewed the applicable law, much less provided me with the benefits it dictates. Instead, I have been in receipt of communications referencing the Military Lending Act and an inquiry about where I am a permanent resident. As an XXXX service member with orders to Louisiana, neither of these communications are pertinent to the state SCRA review XXXX 

It does not appear that American Express is making the effort to review this case despite the extensive documentation I have provided them. Furthermore, it is difficult to help remedy this situation when the customer service team is unable to connect me ( or themselves ) to the personnel actually handling SCRA matters at American Express. This has resulted in multiple openings and closings of the same request for SCRA review with weeks between communications. It is important for American Express to note the difference between the Federal SCRA and Louisiana State SCRA, the latter which extends benefits to obligations incurred *after* entering XXXX XXXX.
Consumer complaint received 2023-12-20
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 
A

ccording to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. Furthermore, 15 U.S. Code 1681s-2 emphas
izes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

During XXXX of XXXX Bank of America was running a promotion for a business account where {$200.00} could be earned if meeting terms. The terms were to ooen the account by XX/XX/XXXX, deposit {$5000.00} by day XXXX of account opening, keep the balance until day XXXX of account opening, bonus paid 30 days after the 90 day period and could not have had a business account in the last 12 months. 

Meet all requirements as such : opened account in branch XX/XX/XXXX, provided code XXXX  ( business banker confirmed the code was valid and submitted properly ), depsited {$5000.00} on XX/XX/XXXX ( well within the 30 day period of account opening ), keep in the bank well past 120 days from account opening ( XX/XX/XXXX as account is still open with the balance as of today XX/XX/XXXX ). 

Attempted to track more information down when bonus was not paid out as such : setup an appointment on XX/XX/XXXX with the branch at XXXX XXXX XXXX XXXX, XXXX, CO XXXX they said they could not help me as they did not see the bonus attached to my account ) ; setup an appointment on XX/XX/XXXX with the branch at XXXX XXXX XXXX XXXX XXXX, CO XXXX ( talked to the business banker that helped me open the account and he said he would look into it and give him a few days ). Nothing happened after giving it a week plus, emailed the business banker on XX/XX/XXXX again and he said he would look into it again and he was sorry that it is taking longer then usual and he was going to talk to the branch manager. As of XX/XX/XXXX no responses back from the business banker and no bonus provided. 

More then happy to provide the name and contact information of the business banker that I worked with during the whole process.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ADP Inc. (NY)

i've done a dispute and its been more then 45 days this company hasn't answered me about received my provisional credit because ive made a dispute about some charges ive spoken with XXXX at XXXX XXXX today XX/XX/23. he basically told me like everyone else just sit down and wait either wait the 90 days until the investigation is over to receive anything I want to know why no one can answer me about receiving my credit until they figure out there investigation I feel like I'm being discriminated against the way im being handle im asking question and not receiving any answers back basically they keep telling me that department will get back to you in two days they've told me this more then three time that ive called then they said they sent me a letter for the credit never got it called back they said they will send me an email never got it called back now the next two times they told me someone will call me in two days no one has called yet its almost the 90 days mark I want to know why I have to wait for my money when it should be insured with this bank I must know are they treating everyone fairly when it comes to requesting for credit while they do there disputes and I will like proof of it cause me as a consumer feel I must be treated fairly like everyone else
Consumer complaint received 2024-01-05
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. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : INQUIRIES NAME AND DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES 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
Consumer complaint received 2024-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (LA)

When renewal for flood insurance came for XX/XX/XXXX to XX/XX/XXXX, Shellpoint selected option XXXX to increase my flood insurance to a premium plan for {$110000.00} I am only required to take {$73000.00} or what is owed on the mortgage basically. This has caused my amount to go up considerably in pricing this was done without my approval! 
I do not agree with this nor approve this change in policy I contacted XXXX flood they said Shellpoint did this and paid it out of my escrow Shellpoint claims they did not do this nor have the option to do this which is untrue since they paid for the premium plan amount out of my escrow, which I did not authorize! 
Shellpoint has had lawsuits for doing this same thing to other persons.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-09-20
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX, MA, account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy. 
15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (UT)

Companies marketing materials were incomplete and inaccurate. They advertised that my first payment was XX/XX/24 but failed to make it clear that ALL previous interest on the loan would be charged on XX/XX/24. They intentionlly obfuscated important information about interest charges.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Hi. my name is XXXX XXXX XXXX. I spoke with a well Fargo employee she didn't seem like she want to help me. i believe it was Wednesday XXXX. 
the Well Fargo bank account is XXXX Im scary for my safety since i dont know who may be involve in the Hijacking or take over of my Well Fargo Bank account. this has been very stressing and traumatic. 
the only name that should be on the Well Fargo Bank account is XXXX XXXX XXXX. 
Here are some of the miss spelling of my last name and also the wrong last name has it has you're under the credit reports and have also show up in my XXXX XXXX XXXXXXXX account. 
XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-06-19
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. (GA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of this breach and Equifax has done nothing. Please help me to delete these illegal accounts from my credit reports. 


XXXX XXXX XXXX XXXX Account XXXX / xxxx xxxx xxxx XXXX XXXX XXXX XXXX XXXX Account XXXX / xxxx xxxx xxxx XXXX XXXX Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (MN)

I have an account with Klarna. I used a " digital card '' to make a purchase online, from XXXX. Klarna billed me XXXX  for the same order. I have spent XXXX hours in total, with all evidence ( photos of the discrepancy ) and the order number of the error. They no longer have an option to speak to a human for resolution, but they use a " chat ''. I was on hold, in question, for XXXX minutes. When my turn came, it was automated responses to my factual concern. Today, XX/XX/2024, I " chatted '' with another representative who stated that they can not " see '' what is on my screen from the app. I advised that I was not going to pay it and that I will report this unscrupulous business practice. This is the XXXX  time this has occurred and Klarna advised that the double charge was a " temporary hold '' that would drop off in XXXX to XXXX hours. This has not happened and it is XXXX weeks in.
Consumer complaint received 2023-12-20
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. (NY)

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 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 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

The whole process with Mohela has been very frusterating and confusing. From taking almost two months to respond to a customer service question, to confirming auto-debit, but then nothing was auto-debited, I am left confused and concerned that they are handling my loan repayment properly.
Consumer complaint received 2023-12-20
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. (PA)

You, Experian is in violation 1- My previous dispute did not ask you for accuracy or validation. 2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIDGECREST XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Working with Bank of America to liquidate additional assets ( {$51000.00} ) for cash needed to close ( estimated closing date is XX/XX/2024 ). Discussed option of liquidating cryptocurrency assets from my XXXX account at least twice verbally with my loan XXXX and confirmed in writing that this was the route I was taking. Was advised that there is no issue, as once the cryptocurrency is liquidated to cash, " cash is king ''. 

On XX/XX/2024, liquidated {$130000.00} in assets from my XXXX account and transferred the resulting cash to my Bank of America account on XX/XX/2024. Went above {$51000.00} in good faith. I uploaded my Coinbase all-time activity and transaction history reports as supporting evidence of liquidation, as XXXX does not have traditional statements. 

On XX/XX/2024, I was told by my loan XXXX that the underwriting department XXXX have an issue on cryptocurrency liquidation to cash and XXXX not make an exception due to policy. Since then, I scrambled to liquidate the {$51000.00} from my traditional XXXX XXXX brokerage account, which I did on XX/XX/2024 and trade confirms received on XX/XX/2024. Trade settlement expected to complete on XX/XX/2024. 

Through this process, I liquidated more than I needed due to incorrect guidance from my loan XXXX and which also caused a delay to getting to my expected XX/XX/2024 close date.
Consumer complaint received 2023-12-20
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. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Ava Finance, Inc (TX)

I signed up with an individual who claimed to fix credit he fraudulently opened accounts to increase credit but left them unpaid and harming my score I attempted to contact them to regain access and remove negative information. I even stated I would paid owed fees in exchange to positive reporting and was refused.
Consumer complaint received 2023-12-20
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. (NJ)

Everytime I dispute my report that my XXXX XXXX  Account balance and payment history is incorrect,, nothing is corrected from the dispute or even when I personally contact them they still don't correct it.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

On XX/XX/XXXX of 2024, I contacted LexisNexis, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to XXXX XXXX XXXX XXXX ( XXXX ) " mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information. 

According to XXXX XXXX Code XXXX ( a ) ( XXXX ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to XXXX XXXX XXXX XXXX ( a ) ( XXXX ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Consumer complaint received 2023-12-20
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. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.