davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) that my security card has been converted to a credit card, that my limit has been increased to {$2000.00} and that I will be refunded my deposit of {$1000.00} within 14 business days. To be returned by check. However, today on XX/XX/XXXX I spent more than an hour of my time trying to get through to BofA 's customer service. They took a long time to sort it out and told me to wait until XX/XX/XXXX. Then they said that this transfer is closed and I need to call again to some department. I do not understand why I have to waste my time and nerves to take my own money from the bank, which they are obliged to give me, and they said so themselves and did not meet the deadline!
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (MA)

I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. '' On XX/XX/XXXX, American Express provided a reference number that XXXX claims they can not use to locate the payment. I need one of the 2 banks to take accountability and return my funds.
Consumer complaint received 2023-12-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I had a loan I used for school in XXXX  for {$50000.00}. It was a sallie mae loan, which is now navient. My loan is now currently {$170.00}, which I can not afford. I am a XXXX XXXX XXXX. I have a decent job but after rent, transportation, food, and inflation, I can not afford a XXXX per month. I was able to get on the rate reduction plan for 6 months, but the lowest they can get is {$1000.00} which Is still super high for me. I really can afford like {$900.00} per month. I was paying {$990.00} per month which was durable but it seems every time I do the rate reduction, it goes up. I really need to lower my payment
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

Three times in the past year someone has stolen my identity and opened a chase credit card. I have put a hold on my account under all the major credit bureau 's, and called chase everytime to close the account. I asked them to put a permanent hold on my social security to not open an account when someone tries to use it, and they said that is not possible. This is negiglance by the company, and it is a simple software that can put holds that it is irresponsible that they do not have.
Consumer complaint received 2024-04-02
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. (MI)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I learned that an address I did not enter or authorize was on my Experian credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an Experian online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my XXXX credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my Experian. Not authorized by me. 
XXXX XXXX XXXX  emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.
Consumer complaint received 2024-02-04
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. (CA)

The CFPB can't close a complaint that is violating FCRA or else you are just as guilty. My complaint XXXX stated that TransUnion deleted accounts and then somehow showed up again. They responded with just " verified '' and the CFPB closed the case. Where TransUnion is STILL in violation of FCRA is 611 ( B ) ( ii ) which states ", the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion ''. I have never received such a notification. As of the dispute dated XX/XX/ the following accounts were to be deleted : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX They have violated FCRA by not notifying me and an agency that WILLFULLY violates FCRA 623 ( A ) or any FCRA statute is liable under FCRA 616 & 617.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Address that needs to be deleted is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS. 

XX/XX/XXXX RE : XXXX XXXX  CLAIM FOR XXXX BANK OF AMERICA XXXX DEBTS To Whom It May Concern : This filing explains XXXX XXXX, XXXX purchase and collection on my XXXX XXXX Bank of America debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, XXXX XXXX was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this XXXX ) date ; and, XXXX ) amount paid to XXXX XXXX. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXX XXXX court bldg. See Doc A & chart below : Instrument no. Book no. XXXX no. by XXXX XXXX, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM XXXX I paid Bank of America debts ( via FIA Card Services ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, XXXX XXXX, XXXX ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ). 

BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ FIA Card Services ] ( price paid in full as agreed XXXX Bank of America XXXX {$4600.00} {$690.00} XX/XX/XXXX Bank of America XXXX {$5700.00} {$870.00} XXXX XXXX XXXX XXXX  : Attached find the XXXX ( XXXX XXXX Bank of America settlement letters ( dated XX/XX/XXXX ) both XXXX. See XXXX XXXX XXXX XXXX Also, see attached XXXX XXXX XXXX showing FIA Card Services with Bank of America account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc XXXX ).
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered XXXX Charge of account records from XXXX However, I firmly believe that this CHARGE OFF entry is incorrect and should not be associated with my credit history. 

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. 

Acct XXXX : XXXX Acct # XXXX Acct XXXX : XXXX Acct # 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.

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 XXXX 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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within XXXX  days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-05
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. (NJ)

On XX/XX/XXXX I brought my sons XXXX XXXX into Best Buy XXXX XXXX in XXXX NJ for repair. I was charged {$420.00} for XXXX parts and service. Also, I was charged for a XXXX yr warranty in the amount of {$190.00}. When I got home and realized the warranty charge, I called Best Buy customer service and made complaint. The amount wrongly applied to my Best Buy card was credited back, {$190.00}. This was on same day, XX/XX/XXXX. That credit was applied a couple of days later. On XX/XX/XXXX my son XXXX and I went to pick up his computer but Best Buy could not fix the problem. I was then credited back for the XXXX parts and service by the XXXX XXXX representative ( see receipt ). My son then decided to just buy new XXXX XXXX from Best Buy, My son used his XXXX debit card of {$2000.00} towards the purchase and I paid the balance of this purchase with my Best Buy card for {$160.00}. The total of the new computer was {$2100.00}. ( See receipt ). Ive been arguing with Best Buy now since for not crediting back the XXXX items and service charges on return or credit receipt attached. Ive made at least XXXX calls and spoke with XXXX Best Buy customer support representatives who opened up a dispute and each time, made update notes and could see all relevant receipts and credits. As of this date, XX/XX/XXXX Best Buy still has not credited my Best Buy credit card which is issued by Citi bank. I attempted to contact Citi bank and advised them of this but they said I had to deal with the Best Buy store how would issue the credits to them. Citi bank said they have no access to see receipts only charges from Best Buy. On my Best Buy card as of XX/XX/XXXX, I only have a balance of about {$140.00} on a pro mo account of a purchase with no interest till XXXX of XXXX. The only other charge on my Best Buy card should only be the {$160.00} charge for the balance of the new computer tower. As you can see on receipt of purchase, {$2000.00} was used with my sons debit card for {$2000.00} and I then paid the balance of {$160.00}. Best Buy has refunded the wrongly charged warranty amount of {$190.00} within just XXXX days but the other charges for the XXXX items and still have not been credited back to my Best Buy card as seen in refund receipt. Im asking that your department help resolve this issue as Best Buy is deliberately delaying my refund process since XX/XX/XXXX as seen in my receipt/retune. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This complaint is being filed under my wife, XXXX XXXX information , profile as I had a hard time singing into me this complaint
Consumer complaint received 2024-04-04
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. (TX)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX credit card, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. 

XXXX did not conduct an investigation, contact myself, contact thirdparties, or review underlying Account information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute.

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by Barlcays rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.
Consumer complaint received 2024-04-05
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 (NY)

I live in a XXXX unit apartment building in XXXX XXXX XXXX, on XXXX XXXX, a major XXXX XXXX. I am disputing a charge for a package that was never received by me, a package of 5 items from XXXX XXXX. I have outlined the situation and provided documentation below. 

To access my building, you must buzz the apartment. My package was supposedly delivered on XX/XX/XXXX and I was home all day. 
-- No one ever buzzed on XX/XX/XXXX. 

The package was supposedly delivered at XXXX XXXX on XX/XX/XXXX. 
-- My super has checked the lobby cameras and he says no deliveries were made between XXXX and XXXX on XX/XX/XXXX. 
I am attaching a signed letter to this effect. 

The tracking for this package shows that the last location before it was supposedly delivered is " NA, NA. '' There is no additional scanning of this package for 3 days, between when it arrives in XXXX and when it is supposedly delivered in XXXX. -- This suggests that it was not actually scanned in XXXX XXXX XXXXXXXX. 

Finally, the tracking on the XXXX page says it was left with the " front door. '' -- Other packages that were successfully delivered by XXXX ( for example XXXX ) say they were left with the doorman. This further suggests that the package was left either outside the building, left at a different building, or never actually delivered. 

I have spent more than 30 minutes on the phone with XXXX XXXX, providing this all of this information, and was told my only recourse at this point is to file a dispute with my credit card company. 

I filed a dispute with my credit card company -- AmericanExpress -- and was told that because the delivery company says it was delivered, I have no recourse. As noted in this XXXX threads ( attached ), this is a known issue with XXXX -- packages are marked as delivered that are never actually delivered. 

I am attaching a signed letter from my building super noting that no packages were delivered ( based on his viewing of the camera data ), documentation of my order, the tracking discrepancies and a list of reddit comments noting that this is a know delivery problem with XXXX in XXXX. 

Best, XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

Got a credit alert for new collection account on all three of my credit reports. Called the Company ( JEFFERSON CAPITAL SYSTEM LLC ) and explained that this debt was not mine and that I had it removed years ago from my credit reports due to it being a fraudulent account. They also reported the open date for XX/XX/XXXX when this fraudulent account was opened in XXXX of XXXX and closed on XXXX of XXXX. I informed them with this information but they have yet to respond back or remove the fraudulent account I had removed years ago. They are trying to keep this fraudulent account on my credit reports longer by saying the open date was XX/XX/XXXX when in fact this is wrong and they knew this and admitted to reporting inaccurate dates and information that is fraudulent.