davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (NE)

My husband and I bought a Certificate of Deposit on XX/XX/XXXX from First Bank. First Bank was bought out by US Bank in XX/XX/XXXX. On XX/XX/XXXX we took the CD to an US Bank for disposition, but was told that they have no record of the transfer from First Bank to US Bank in XX/XX/XXXX. The CD was for {$1800.00}. I was told by the bank manager that we must have  cashed it in, but this is not true. 

What I've done. 
1. Called FDIC and spoke to XXXX who suggested that I call the State Income Property Office @ XXXX in XXXX, Ne. and CFPB. -XX/XX/XXXX 2. The State Income Property had no record of the CD described. -XX/XX/XXXX 3. Called the CFPB to make a complaint on XX/XX/XXXX
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

I purchased XXXX flight tickets on American Express Travel on XXXX. 2 months later my plans changed, I went on the website and it said the tickets are returnable for a full credit with XXXX XXXX. I returned the ticket but then couldn't buy a new ones unless I called American Express customer service. Upon speaking with them, they kept referencing my ticket policy which I was not aware of nor was I provided with at any time. I couldn't use my credit to buy tickets from XXXX as they insisted it's American Express who holds my credit. American Express Travel wouldn't let me buy tickets from XXXX because the flights I chose were operated by other carriers yet they were listed on XXXX as flights with the company by XXXX After XXXX hours on the phone I was informed that if I don't redeem my credit by midnight I would lose it!!! That was also told to me by " coincidence '' as the customer service agent was referencing the policies which I was not provided at any time when I purchased the tickets nor when I returned them through the website nor ever. Also the alternative tickets showed online for a price but I had to buy them through Amex at an even higher rate because they'd do a buy up. When I asked what that meant I wasn't given information. I was forced to pay an excessive amount so as to not lose my credit and they ruined my travel plans with their opaque malicious undisclosed policies! nowhere on my itinerary nor when I cancelled did it say I have to pay a buy up fee, or that the refund credit would only be available on select flights. it simply said this ticket is returnable for a FULL CREDIT WITH XXXX! This was not the case. I demand a refund of my points stolen from me by American Express through a malicious treatment consisting of lack of disclosure of policies. Even when I requested to be provided with the policies referenced, it was denied. 
SHAME on XXXX with their intentional predatory practices of withholding information and stealing over XXXX points in this transaction! Also for eating up XXXX hours of my Saturday!!!!!!!!!! XXXX hours on the phone! Despicable
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

XXXX XXXX my Chime account was XXXX XXXX, {$200.00} from a XXXX XXXX. This individual was as able to get into my chime account and " HELP '' himself to my money! So I reached out to Chime and filed a dispute like they advised me to do so and within a couple of days, they put money back into my account. Then on XX/XX/2023, XXXX XXXX did it again for the same amount. So again, I notified Chime of the issue and filed a dispute and waited on my {$200.00} to hit. Well days went by and, nothing. So I called Chime and this is what they told me. We need more information from you and this came in a email to me. So I emailed back to Chime with no response from Chime on as to how this person gained access to my account?!?. Chime told me that they would reopen my dispute and have a different dispute representative look into my claim. I kept looking into my Chime account for the dispute to be reopened and surely they would put my money back into my account because he had done this before and Chime knows this isn't my doings. Days went by with no activity on my account as to a credit to the money missing so again, I called Chime and the same thing over and over. I even called XXXX XXXX and that was a JOKE to say the least. So I reached out to this person on XXXX XXXX, the person who XXXX XXXX  himself off my Chime account and HE ADMITTED IT TO ME Over MESSENGER!! I immediately contacted Chime and even sent them screenshots of the conversation that I and this XXXX XXXX has over messenger. I got a unsatisfied response from Chime, they didn't find any wrong doings into this dispute and denied it over and over again. Now what? I have proof of his wrong doings and he is tried to do it even a third time. Now what, I'm out and he still has my {$400.00}!
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

am writing to follow up on my previous communication regarding discrepancies in my credit report. This is my second written request regarding the matter. 

Despite my previous inquiries, the unverified items on my credit report have not been rectified, which is in direct violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). As per the FCRA, you are obligated to possess a copy of the original creditor 's documentation to verify the accuracy of the information being reported. However, I have not received any documentation from you as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature.

In response to my previous investigation request, you stated that the items in question were " verified '' to be reported correctly. I am now questioning the validity of this verification process. Who exactly verified these accounts? And based on what evidence?

Under Section 611 ( 5 ) ( A ) of the FCRA, you are mandated to promptly delete any information that can not be verified. Since you have failed to provide me with the necessary documentation to verify these items, it is imperative that they are removed from my credit report immediately. 

I expect a prompt and thorough resolution to this matter. Failure to comply with the FCRA regulations will result in further action being taken.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid 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: ALLY FINANCIAL INC. (FL)

Dear Ally Bank, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Ally Bank ) are " requiring '' a cash down payment. I am demanding that Ally Bank provide verification of XXXX XXXX, XXXX, statements that Ally Bank are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXX XXXX not to pay the XXXX credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the XXXX credit card as normal. I thought XXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a XXXX credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Dovenmuehle Mortgage, Inc. (TX)

XXXX XXXX a cleared payment to Dovenmuehle Mortgage Inc was not transferred, refunded, returned, to new loan servicer nor third-party. 
I asked via email to OPEN INVESTIGATION and then contacted CFPB and Dovenmuehle lied again to me and CFPB stating XX/XX/2023 payment was returned to third-party and was NOT. 
XXXX XXXX a second cleared payment to Dovenmuehle Mortgage Inc was also not transferred, refunded, or returned to new loan servicer nor third-party. Dovenmuehle has also NOT PROVIDED ME WITH TRACKING INFORMATION FOR THE PAYMENTS THEY CLAIMED TO HAVE RETURNED, however the third-party is my representative and DOVENMUEHLE IS NOT PROVIDING CORRECT/VALID INFORMATION OF THESE FUNDS TO EITHER OF US... BUT DOVENMUEHLE HAS RECEIVED THESE FUNDS AND WON'T TRANSFER TO NEW LOAN SERVICER or third-party and provide tracking information.
Consumer complaint received 2020-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

We purchased our new home in XXXX XXXX as our second home through XXXX XXXX in XX/XX/2019. The loan was sold to a broker and the finally sold to PennyMac Loan Services sometime in XX/XX/2019 under Loan Number XXXX. In XX/XX/2019, we wrote a letter and emails to Penny Mac that we would like to include our son as part of the loan. He has taken over all financial and maintenance responsibilities to the home since of our senior age. We have delivered all required documents that they require through their Simple Assumptions Dept. We started with email with a certain XXXX XXXX in XXXX XXXX, 2019. From there on, we were bounced around from one person in Simple Assumptions to another until we were finally assigned a point of contact XXXX XXXX. Since then we have been calling this person and we have not yet received any calls or response from him or from any other staff to this day. Also at the same time, every month I would drop a message to their online website Message Center. And every month until now, all I get is an apology from a certain XXXX. Every month a message. Every month an apology from the same person. This is outrageous and unsatisfactory. No customer support.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both XXXX and Equifax continues to report the error. XXXX XXXX has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XX/XX/XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmerAssist A/R Solutions, Inc. (FL)

Amerassist AR Solution is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted amerassist ar solution on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax is showing XXXX XXXX XXXX account close and paid in full with XXXX balance with last payment of XX/XX/XXXX. 

However, Equifax is showing late payments from XX/XX/XXXX through XX/XX/XXXX. How do you make late payments on an account that was closed and paid in full since XXXX. 

Please provide proof of this account being late from XX/XX/XXXX through XX/XX/XXXX. Equifax has 7 days to correct this error. Or I am going to my attorney and filing a lawsuit.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX account number XXXX 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 an account without my written instructions or consent.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I was checking my credit report and noticed that XXXX had reported my old Car Loan to all XXXX credit bureaus as XXXX day late for the month of XXXX XXXX XXXX as well as XXXX  day late in XXXX XXXX XXXX - Multiple calls were made to XXXX customer service during that time sine we were in Covid Pandemic and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX 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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-10-18
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)

Experian Credit Bureau has failed to update the status of my account with XXXX. As of my recent Experian credit report pulled on XX/XX/XXXX, the status of the XXXX account is as follows : XXXX XXXX - Account charged off. {$630.00} written off. {$590.00} past due as of XXXX XXXX. 

Comments : Account closed at Consumer 's request and dispute investigation completed, consumer disagrees. 

Clearly, this information is inaccurate because I have paid XXXX a total of {$500.00} and I owe them a balance of {$130.00}. Experian has also decreased my XXXX XXXX by XXXX points and I am trying to repair my credit. 
Next, Experian Credit Bureau has 1 collection account listed on my credit report as XXXX XXXX XXXX with a balance of {$850.00}. They have listed this account as a collections account from XX/XX/XXXX- XX/XX/XXXX. Clearly, this information is wrong and inaccurate. I have been making my payments respectfully. The stipulation of settlement states I that I must pay the sum of {$1200.00}. Payable in monthly payments of {$25.00} barring no interest to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance that I owe is {$610.00} to satisfy this old debt. I want this inaccurate information deleted from my credit report.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-18
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. (MO)

Cease and Desist Communication Regarding Collections/Charge off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.