davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
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. (GA)

This credit reporting agency is reporting information regarding my payment history without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to the this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments on my credit report.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

SDCCU said that XXXX XXXX is managed by a company working for the San Diego County Credit Union. XXXX has frozen my XXXX XXXX XXXX  account with my creditors listed and I can not access account numbers, addresses, and amounts due ; therefore, my payments aren't being paid and going to collections -- due to XXXX unwilling to give me my own list of XXXX XXXX accounts. I'm being held liable for the debts that I can not have access to due this unnecessary and irresponsible actions by XXXX.
Consumer complaint received 2023-12-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc. (GA)

Notice of fraudulent tradeline Activities ( Carmax Auto ) Chargerd off an Consumer Credit Transaction and Now trying to Collect of an alleged debt that they Charged off. In the Amount of {$17000.00} they are trying to collect which is tax Fraud and the Proper Authority has been contact. They have Inaccurate information of my Credit File with ( XXXX, XXXX, XXXX ) I demand the information be Removed immediately 15 U.S. Code 1681n - Civil liability for willful noncompliance By Not do so your in violation of State and Federal law
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

XXXX XXXX XXXX is reporting my banking private information to other 3rd third party companies without my written consent. They reported my nonpublic banking information to another company by the name of Chexsystems on XX/XX/. This insitution is violating my consumer rights under federal laws of the Fair Credit Reporting Act that their insitution is governed by.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FLORIDA HOME TRUST MORTGAGE ()

<On XX/XX/XXXX i realized XXXX charges was made, but i didnt do it, both {$300.00} plus int fees & attemted XXXX more {$900.00} & {$1200.00}. I called to FACEBANK and the operator indicated that XXXX was blocked due to those and other attempts. He recommended that I file a claim and I did so on XX/XX/XXXX. Dispute form XXXX. To date, there are still charges totaling XXXX & FACEBANK do not answer my dispute
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Consumer complaint received 2023-12-16
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. (TX)

On XX/XX/XXXX, someone made a purchase totaling to the amount of {$2600.00} at the XXXX XXXX located on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in person. I called and filed a dispute immediately and also went to the store location to ask about the transaction. At this time, I hadnt received my card in the mail yet and was shocked someone used my information to make a purchase in person. The cashier said the man making the purchase had the physical card, and so he didnt ID the man in question when he made the {$2600.00} purchase. They told me to file a police report, which I did later that evening. XXXX XXXX has been investigating my case and pulled video surveillance showing a XXXX  man, possibly in his XXXX, using my card without being IDd. I do not have any other authorized users on my account. The case is still pending as theyre trying to figure out who this thief is. However, I got an email on XX/XX/XXXX stating my dispute is closed and I was found responsible for the charges based on not enough evidence supplied by me. I would like to know what evidence I would need to supply, when Ive given XXXX XXXX my case number and Detective XXXX has pulled footage from XXXX XXXX security cameras showing someone who is not XXXX XXXX and was not authorized to use my card was able to make a purchase using my identity and card. I want this dispute opened back up and to not be responsible for the {$2600.00} fraudulent charges that were made on my account without my knowledge or consent.
Consumer complaint received 2023-12-16
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2023, XXXX charged my American Express account and eventually shipped me an empty box, lying to Amex in the dispute process that they wouldve delivered a XXXX XXXX computer. I am still in possession of the sealed box as evidence, but Amex is unwilling to look at the clear evidence Im providing as a part of the dispute. Now Im being charged for something I have never received and Amex is not helping.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LJ Ross Associates (OH)

I am filing a complaint with XXXX XXXX XXXX and Lj Ross. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Noticed on date XX/XX/2023, withdrawal from personal checking account. I contacted institution to reported a claim with bank. XXXX XXXXXXXX XXXX XXXX LISTED UNDER XXXX  XXXX. showing 2 transactions one amount of {XXXX and another for XXXX  I did not authorize these credit cards. Please review.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (IN)

Complaint : Associated Bank has failed to pay a {$600.00} promotional bonus within 120 days to me for opening a new checking account. 
XXXX XXXX XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at XXXX XXXX XXXX branch on XX/XX/23 XXXX 
I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/ contacts within the bank who have authority to escalate and render a solution.She says the matter is fixed, yet I wait, the bank remains silent, and does not pay the {$600.00} bonus. I sense the bank is simply stonewalling. I have fulfilled the terms of the promotion to qualify for the {$600.00} level bonus and desire the bank to take action and complete their legal obligation to pay the bonus in a timely manner without further delay. 
This is a reasonable request.
Consumer complaint received 2023-09-07
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)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

It was in XXXX of XXXX XXXX XXXX XXXX sold my Line of Credit to Specialized Loan Servicing. 
At first it seemed ok but, when I tried to create an online account to make payments they also, told me ( and laughed at me ) my loan is in bankruptcy and I didnt know what I was talking about. So, I mailed them and their attorney copies of the plan. Then, after 2 months they finally acknowledge I am paying and sending regular statements, I find ... they have misapplied my payments beginning with XXXX, which was received by XXXX on XX/XX/XXXX, being that the loan was transferred on XX/XX/XXXX making the first payment due to SLS XXXX. 

After months of endless phone calls, faxes, emails, and documents being mailed ... being told over and over on recorded phone calls we see the error and we will get it fixed, nothing changes. Nothing! XXXX XXXX would not help! In XX/XX/XXXX, I called XXXX XXXX again and that is when XXXX told me about Boss Law. 


XXXX XXXX XXXX claims that service was transferred to XXXX on XX/XX/XXXX due for the XX/XX/XXXX payment. Also, that SLS is unable to comment on the servicing of the account that occurred with the prior servicer. Yet, they claim to know my payment was for XXXX when it was for XXXX! There is one reason they may claim an amount was due for XXXX of {$28.00} which XXXX did not receive until XX/XX/XXXX. But, that was forwarded to them, they have it in their records! 

Once they even tried to claim it was the XX/XX/XXXX payment that was late, since it was the same payment amount. 

Here is a simple history of what happened : XXXX - {$520.00} recd XX/XX/XXXX XXXX  XXXX - {$520.00} recd XX/XX/XXXX XXXX  + {$28.00} recd XX/XX/XXXX XXXX   = {$540.00} XXXX - loan transfer XX/XX/XXXX to SLS XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$530.00} recd XX/XX/XXXX SLS + {$48.00} recd XX/XX/XXXX SLS = {$580.00} XXXX - {$530.00} recd XX/XX/XXXX SLS XXXX - {$540.00} recd XX/XX/XXXX SLS XXXX - {$520.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS The reason for payments being in 2 payments is because I didnt always know the current amount due. 

XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$500.00} recd XX/XX/XXXX SLS XXXX - {$490.00} recd XX/XX/XXXX SLS XXXX - {$480.00} recd XX/XX/XXXX SLS XXXX - {$440.00} recd XX/XX/XXXX SLS XXXX - {$450.00} recd XX/XX/XXXX SLS I will continue with this when I receive the statement for XX/XX/XXXX.
Consumer complaint received 2023-07-10
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. (TN)

There are several accounts fraudulently furnished to my credit report. I have contacted the CRA 's as well as creditors responsible for the fraudulent reporting. I have not been provided legal binding documents showing the validity of this fraudulent reporting from the CRA 's. The information is not consistently reported and one bureau is in compliance, where the others are not. I have informed each CRA of my final attempt at peaceful civil mediation, without prejudice with All Natural Inalienable Rights Reserved. I am requesting the removal of all of the information submitted to each CRA, Experian, XXXX and XXXX are in receipt of my demand and complaint as of XX/XX/2023.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The rewards program on my BofA Card allows for 3 % rewards on up to {$2500.00} in purchases each quarter. My choice is travel purchases. I have not reached {$2500.00} in purchases in the 2nd quarter of 2024, but BofA has said I reached the cap. The reason for this discrepancy is that BofA is counting a purchase I made in XXXX ( XX/XX/XXXX, but posted on XX/XX/XXXX ) as being in quarter 2 vs quarter 1. The website says " 3 % and 2 % cash back on the first {$2500.00} in combined choice category/grocery store/wholesale club purchases each quarter ; then earn 1 % '' ( sceenshot of XX/XX/XXXX purchase and the copied phrase attached ). It does not say purchases posted in the quarter, it just says purchases each quarter. Since I made the purchase in Q1, it should be for Q1, not Q2. Also, in the Bank of America Customized Cash Rewards Program Rules ( attached ), I see no mention of the quarter being based on the time the purchase posted. Their is a specific part of the rules that states " Choice Category Net Purchases in your new category that post to your account on the effective date but were made prior to the effective date will not be eligible for Bonus Cash Rewards ''. This means you can't make a purchase and then change the category before it posts and then expect to get rewards. So, BofA uses the purchase date of the transaction for this purpose, but apparently the posting date ( which is outside the customer 's control and not clearly documented anywhere I could find ) to decide which quarter the purchase is in. There is clearly a lack of disclosures and this is used in every case to limit the amount of rewards a customer can receive and prevent customers from getting the full rewards that should be earned.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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. 

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 2024-01-10
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: EQUIFAX, 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 2023-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (ID)

XX/XX/XXXX or so, I Open the acount at Citibank. upon opening the account. I deposited a {$150.00} from my XXXX XXXX account into the city priority account. I had did as well as setup direct deposit with XXXX XXXX XXXX which i recieve my XXXX XXXX XXXX benefits from my work. I have never even used my debit card. The reason I opened an account with Citi was because I've had my identity stolen twice this year and they had sign on benefits. I had my XXXX check depositwd around XX/XX/XXXX and Immediately my Account was locked and they called it a fraud alert, i called numerous times and every time it was always redirected to the fraud department, not given much information but telling me i had to wait for this letter with the reference number. After waiting 11 whole days with 0 money. I got it. Thinking this would save all the problems it only got worse. They went into tell me now my account would be closed within 30-60 days and I MAY rwcieve my money back via Check in the mail. No one could help me. I've called multiole times, seems as i may get some help and they look me up ans then they say the same thing and habg up on me with no explanation. Ive tried every reference online. Sent emails. Left complaints to each agency and nothing. 
I did file a complaint with them directly and got this number XXXX. 
My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Idaho XXXX. My phone number is XXXX. 
I am a XXXX XXXX XXXX with no income placed home and unable to work due to multiple inquiries due to a domestic situation. I am faced with no money to pay my bills and even facing eviction. Looks as if Citi gets this momma money too. How can this be legal?? How can they do this?
Consumer complaint received 2024-01-31
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. (MO)

Look at this over XXXX disputes experian lied and notified me that the results are ready to view online LIE LIE LIE LIE LIE LIE LIE LIE you can't, once again this is a PLOY SO EXPERIAN CAN SAY THEY ARE WORKING WITH YOUTO THE FEDERAL GOVERNMENT BUT THEY ARE LYING
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I paid off my auto loan around the first week of XXXX, 2023. Within the next week, I asked for a lien release letter or similar so that I could register my vehicle properly with the DMV. ( The DMV had requested that I get this letter so the title is properly updated. ) Bank of America repeatedly delayed any sort of tangible action in getting a letter processed. It has been over a month, and my temporary license plate is expiring. Still, Bank of America has not gotten the letter to me, nor made and good faith attempt to do so given the gravity of the situation and the time that has already elapsed ( about 1.5 months ).

The Bank refuses to send the letter by email, stating they can fax it. They also refuse to upload it to the online document center where I can find other letters and statements. Their attitude was basically one of dismissal and negligence, not worrying at all about the customer not being able to drive their vehicle due to expired license plates, refusing the most options to get a letter sent faster, like expedited sending, email, or online upload into their system which already handles letters and special documents. They state they can only send it by the slow mail system which takes 10 business days, but given the first one has not arrived, I have little confidence they will get it right the second time, and can not accept the risk of the second one not arriving on time and them trying the same thing a 3rd time as by then I will no longer be able to drive legally.