davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year>, my Priceline credit card was charged {$700.00} from a balance check sent to me through the mail. However, I did not do this transaction. I called Priceline multiple times and filed a fraud claim. After a few weeks, the result arrived, and one representative of Priceline told me that this transaction was valid because according to their investigation, I transferred this {$700.00} to my other account on my XXXX XXXX XXXX XXXX. They also told me to call XXXXXXXX XXXX to check the transactions so, I tried contacting XXXX XXXX to look for this transaction however, the bank did not find any transaction for this amount in my personal checking and savings account.

Priceline provided me with the check number and the payee 's name but XXXX XXXX still couldn't find this Transaction. Priceline approved this transaction even though I did not sign any cash check. I will upload my bank statement from XXXX XXXX during XXXX and XXXX to prove that I did not cash any Priceline check from my account. And I will also include the Priceline fraud investigation report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

INDIGO is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. INDIGO does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc. (VA)

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with F.H. Cann & Associates , Inc. dated XX/XX/2024, regarding the Alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, 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 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 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

At Chase Bank I made a mobile deposit for {$580.00} from one of my tenants on XX/XX/2024 I immediately got a message that there would be a XXXX hold for the funds on XX/XX/XXXX there was a striction put on the count because of the numerical box on the check was overwritten. I overwrote the numbers to make it more clear for the mobile deposit it's not that difficult and it wasn't unclear once I overwrote on it. The fraud department insists that they verify the check through their telephone verification system. My tenant who wrote the check most likely does not have that same number since he's been with that bank for a number of years XXXX. The check has already cleared with XXXX and it says the money is available on my mobile app with Chase but now this fraud they said that it looks like the check was washed. I told them what I did to the check. And we're not sure how we're going to verify the maker of the check if they won't accept any other phone numbers they won't accept an ID and a copy of the paid check from XXXX already in their mind it's going to be held for XXXX years by the state and it'll be quite some time before I can get my money. I spent hours talking to the fraud department supervisors and tomorrow I'm making a trip and talk with the branch manager perhaps she can help.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

MILESTONE is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. MILESTONE does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

Just about every month the Comenity XXXX says they did not receive the payment by the due date. It often says it is a day or 2 late. However my checking account indicates otherwise. I think they run a scam operation as I checked their reviews and many people have the same complaint.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

DESTINY is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. DESTINY does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2023-08-28
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. (NC)

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. 

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, 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 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 2024-02-08
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) (NY)

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-12-14
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. (GA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

EXPERIAN REFUSE TO PROVIDE ME WITH THE METHOD OF VERIFICATION TO THE REMOVAL OF A BANKRUPTCY ON MY REPORT. I HAVE SPOKEN WITH THE BANKRUPTCY COURT AND XXXX. AND THEY STATED EXPERIAN SHOULD NOT HAVE A BANKRUPTCY ON MY REPORT.
Consumer complaint received 2023-09-18
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 Person ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have repeatedly sent three XXXX  in accordance with BOA 's own instructions and policies. The law requires they answer within 30 days. They typically take months to reply, which is a deliberate delay tactic. It is also illegal. 

I have repeatedly requested a simple YES or NO answer to the following question : Does Bank of America have the original wet ink signatures and original loan documents in their possession? 

They refuse to answer that simple yes or no question. They refuse to give me a simple " yes '' or " no '' answer. 

Upon information and belief, they have lost or deliberately destroyed the original documents, which they are required to maintain as a matter of law. 

I have also asked " if you have these documents in your possession, where can my representative go to review them? '' Of course, they refuse to allow inspection. I believe this is because they do not have possession of the originals. 

FAILURE TO ANSWER AND/OR ALLOW REVIEW OF THESE DOCUMENTS IS A CLEAR VIOLATION OF CONSUMER AND LENDING LAW. 

I have a legal right to this information as it directly affects my consumer mortgage loan with the company. 

BOA continues to commit the same fraud they have been prosecuted for in the past by the Federal Government. They previously settled those government claims and entered into agreements to cease such illegal practices. Yet they continue their willful illegal activity. 

Bank of America has a known and proven history of falsifying many mortgage documents for the express purpose of harming consumers like myself. 

Please assist me on demanding a TRUTHFUL ANSWER to the basic question : DO THEY HAVE THE ORIGINAL WET INK SIGNATURES AND DOCUMENTS? 
YES or NO? If yes, where are the documents stored for review?
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

After calling American Honda Finance on XXXX, customer rep XXXX informed me that despite all of my payments being sent by bill pay 3-5 days in advance of my payment due date, all of my payments are late. I asked to speak to someone that handles the payment posting, but was denied. I asked for a supervisor, but was told by XXXX that there were no supervisors available. I was also advised that while I could try calling again to talk to a different representative, but there would be " detailed notes of our conversation '' in the file.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX Also known as XXXX also know as XXXX XXXX XXXX XXXX creditor 15 U.S.C Sec 1681i ( a ) FCRA law has been violated Every creditor and credit bureau is obligated to report complete and accurate information to the bureau each one of the report bureau reflect different information which we make the report inaccurate and incomplete which violates 15 U.S.C Sec 1681i ( a ) XXXX XXXX TransUnion reports open on TransUnion Charged off on XXXX and XXXX All of this information is incomplete and inaccurate you can not report this information to the bureau like this it violates the law listed above nor can u report one account multiple times via different collect names all the the account reflect the same or similar open dates and balances and limits this is incomplete and inaccurate and violates multiple of the FCRA laws 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. You guys did not fully complete an investigation
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Team, I would like to bring to your attention a matter of concern regarding my American Express card. I recently spoke with the American Express Team for Credit Limit, who suggested that pre-paying my card could potentially increase my spending limit. However, it appears there has been an issue. 

I pre-paid around {$4600.00} for a larger spending limit on my card ending in XXXX. Despite recently undergoing a Financial Review, which concluded last week, my account was unexpectedly suspended again today. It seems that the suspension occurred when American Express noticed the substantial pre-payment. 

This situation is troubling as it feels like my account is being suspended to utilize the pre-paid funds for American Express 's business expenses. I find this practice unacceptable, especially considering that my account is not suspended when there is no pre-payment. It appears that the suspension occurs only when American Express observes a negative balance, allowing them to make use of customer funds. 

I kindly request clarification on this matter and a resolution to ensure fair and transparent practices. 

Sincerely, XXXX
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: DIGITAL FEDERAL CREDIT UNION (MA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' DIGITAL FEDERAL CREDIT UNION is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DIGITAL FEDERAL CREDIT UNION is is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, DIGITAL FEDERAL CREDIT UNION whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' DIGITAL FEDERAL CREDIT UNION is never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AL)

The Bank Regional Acceptance has different contract dates in their database than showing on my orignal agreement. In addition to this after reviewing this contract, my signature is not present in all places required. When visiting the orignal dealership where purchased, the finance team and managers were totally confused and stated that I should contact my attorney. I am requesting that this loan be removed from my credit file as dates and the overall numbers of the contract are conflicting. Regional acceptance is showing XXXX payments remaining and no term in months. Please remove from my credit file.
Consumer complaint received 2024-02-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

Me and my wife have been trying to get a loan modification with them while we get back on our feet since summer of XXXX ( XXXX to be exact ) and we are going on to almost a year now of us calling them multiple times monthly on recorded phone calls where we turned in to them the documents they needed multiple times a month through the phone, the online website, physical mailed copies to them and a bunch of emails that we sent to them with the documents. They always tell us that they didnt receive the documents or some are missing, the stories they tell us always change and its been going on for 9-10 months now and it got so bad that me and my wife got into so much debt because of them not being cooperative, so we got the VA involved in XXXX so that they can maybe help us out and reach out to the bank that owns our house and they also have not been cooperative with the Department Of Veteran Affairs Loan Technician person that was helping us out, she ( Va loan technician ) told us that they gave them multiple deadlines to reach out to them and us and they just ignore her and the VA, So the VA contacted me and told me to Report them to the CFPB since they have not been responsive and willing to continue the forbearance/ loan modification program with both the VA and myself. We are in need of help if this continues any longer I will lose my lively hood and everything that I own, I urge this department for help!