davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

bank of America has a atm suspicious activity program which use to be voluntary but now seems to be mandatory. although some still say you can opt out, I try what they say to do it but so far no luck. this sounds great in theory but it is actual harassment. they freeze you card, the only way you know it is them is by e-mail or phone call. if your in a store and do n't have a cell phone, your screwed as everyone thinks your out of money or them the trans has to be void and you leave in shame and once you get home and call them or get the e-mail, then your on hold to get to a person for XXXX minutes, then the person wondersw why your upset- well duh!!!!. then in my case since I was at the drug store getting medicine I have to face the embarrassment of going back there to finish what I started. this would not be so bad if I had not already done what the rep told me to do last month when they froze my card for suspicious activity at the same store. so when I got the rep on the phone I went through the list of where I work, where I shop, the drug store, everywhere I might use the card so this would not happen again, they said that this was what I needed to do since they could not find a way to opt me out of this nightmare. low and behold I get up on the day before XXXX, buy a XXXX book from XXXX, which I told bank of America I was a junkie for, and go to the drug store and post office, which I told them I go to and guess what, they freeze it and I have to walk out the drug store, no medicine XXXX drive home check the mail, call them, wait on hold XXXX minutes, answer stupid questions all for a im sorry, then go through the embarrassment of going back to the store and not having them think I am a broke moocher. if bank America would go back to letting this be optional or finding a way to let people opt out of this esp if they already have this service from others then things would be a lot better
Consumer complaint received 2023-09-03
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. (AR)

15 U.S.C 1681 section 602 A. States i have the right to Privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of {$1900.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX before in my life.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, 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. (NY)

Hi got the following on my credit report which is not known to me.

1 ) Experience 35 hard inquiries and 2 late payments.

2 ) XXXX  22 hard inquiries and 2 late payments.

3 ) XXXX 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report
Consumer complaint received 2023-12-09
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. (UT)

I have disputed incorrect and outdated items on my credit report with all three credit bureaus. There has been 17 negative items removed and yet my score has plummeted. There are still incorrect items in my report that also do not have matching dates with all three Credit bureaus and have shown me no proof of validation. There is currently a XXXX account on my report that I discovered over a month ago and had it closed with the company as it was not mine and also not one penny was borrowed from it. This account has drastically dropped my score preventing me from a purchase and affecting my business XXXX XXXX XXXX. My patience has run out and my intention is to seek legal action against the server for the XXXX account ( XXXX XXXX XXXX  ) and all three credit bureaus XXXX, Experian, XXXX for violating the Fair Credit Reporting act by not accurately reporting the removal of negative items, not providing validation of accounts or any details of adverse actions taken regarding my credit report.
Consumer complaint received 2024-03-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (GA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the practices of Security Credit Service, a collection agency that has been operating in the financial industry. Based on the information provided, there are four laws that this agency must abide by to ensure fair and legal practices. XX/XX/year> XXXX. Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits abusive, deceptive, and unfair debt collection practices. Security Credit Service must adhere to the guidelines set forth in this law when attempting to collect debts from consumers. 

2. Gramm-Leach-Bliley Act ( GLBA ) : This law requires financial institutions, including collection agencies like Security Credit Service, to protect the privacy and security of consumers ' personal information. The agency must take appropriate measures to safeguard sensitive data.

3. Fair Credit Reporting Act ( FCRA ) : Security Credit Service must comply with the provisions of the FCRA, which governs how consumer credit information is collected, used, and reported. The agency must ensure the accuracy and integrity of the credit information they report.

4. Consumer Financial Protection Act ( CFPA ) : This law empowers the CFPB to take action against financial institutions, including collection agencies, that engage in unfair, deceptive, or abusive practices. Security Credit Service must operate in a transparent and ethical manner to avoid violating this law.

I urge the CFPB to investigate Security Credit Service 's compliance with these laws and take appropriate action if any violations are found. It is essential to protect consumers from predatory debt collection practices and ensure that their rights are upheld. Thank you for your attention to this matter. Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX, Georgia
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MI)

I want to know why CitiBank took 3 months to update my account balance from {$950.00} to {$0.00} and then turned around when I disputed their reporting to XXXX and pulled a credit check on me to close my credit card which dropped me XXXX points despite paying off my full balance. 

My credit score dropped in one whole month from XXXX ( qualifying score for their card ) to XXXX as a result of them adding and removing remarks to my account on top of shady business practice. 

My score the day they closed it would have been a qualifying one had they properly reported for 3 months. They used a fraudulent score to cancel my credit card in the store as they DAMAGED my score for 3 months and my score went up XXXX points the day they CHANGED my information however my credit score surely would have been within range on the day they did a credit check if they properly reported my balance due. 

Nothing about my accounts has changed since they approved me, they have a full view of my credit history and should not have approved me if they seem me such a risk. 

Closing this account has caused further damage to my score as I sit at XXXX today and would surely be above XXXX if I had that open line of {$1000.00} credit with a {$0.00} balance. 

They must not have realized I make over {$66000.00} a year because there should be no reason for denial especially after I paid their balance in full. 

Attached in photos you will see my credit score as high as XXXX the day I disputed the negligent reporting of my credit score. 

You will see that XXXX and XXXX is still reported as unknown despite the date of account closing. There has been severe mishandling of this account.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (FL)

I REVIEWED MY CREDIT REPORT AND THIS COMPANY I.C. SYSTEMS IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX  AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (CA)

I requested a copy of the supposed original binding contract with my signature for comparison. I never received that just a statement with addresses that I don't reside nor have I ever resided. I do not have a legal contract with the company responding to cfbp inquiries nor lvn funding. Can you provide the original contract with my signature on it to verify this supposed debt? If not I demand this account to be deleted and removed immediately.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I recognized an unauthorized charge made that day for {$56.00} from a XXXX XXXX in Florida. I live in California and I did not recognize this merchant nor the purchase amount. I checked to ensure that my physical card had not been stolen and the card was still in my possession. I froze my account and immediately called Chase to report the charges as fraud. I was told I could not do anything about it until the charges were not pending any longer, so the next day after the charges had posted I called the bank again while I was out of town to report this charge and they advised me to file a claim through the app and keep my card locked. I filed a claim through the app and was told that it looked to be fraudulent charges, and my card was immediately cancelled leaving me unable to access an ATM to withdraw cash while I was out of town in the XXXX  area. The {$56.00} were temporarily reimbursed to me as they investigated. And as of today, XX/XX/year> the claim was reversed and I have now been charged {$56.00} again for the fraudulent charge. I called the bank again and was given no help or explanation. Other than that they had done an investigation, and found that I had had previous transaction history with the merchant and that they deemed the charge to not be unauthorized I asked for proof and transaction numbers as to what previous transactions Ive made to this merchant, as Ive never seen the merchant name before, and have received no product or service as a result of this charge. I was then placed on hold for over XXXX minutes in which the representative did not respond to me I was provided with no proof, and was told that I was mailed a letter which I have not received explaining the investigation. There is no way that I made or authorize this charge.
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Account Names : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX the accounts above XXXX, XXXX XXXX and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. I demand that XXXX, XXXX, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (GA)

Open Date XXXX XXXX number XXXX account name- XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA Rights.
Consumer complaint received 2024-02-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NC)

XX/XX/year> i went to my normal check cashing olace to cash my check and to put the cash on my western union pre pay card as i always have i reloaded around {$1200.00} from my cashed check to my western union card after the agent electronically put it on my card only {$300.00} was deposited but the {$900.00} was not deposited they give me the run around saying the reload for the {$900.00} was rejected saying they have a new policy that no more than {$950.00} can be reloaded per day ... long story short they have not refunded my {$900.00} dollars the y give me the run around saying netspend who is also western union did not return my {$900.00} back to western union but western union say they did not receive it from nestspend they are pointing fingers at each other even though they have admitted that my {$900.00} is in the system they have the mtc ( money transfer control ) number and so do i and the agent that sent it... it has been 9 days that they have my money they keep saying the accounting department has to review it they have the mtc to prove it is my money
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing, Inc, took over our mortgage in XXXX of 2023. We have been paying our mortgage for 14 years, and have never had an issue with our escrow. The second this company took over our mortgage, we have had nothing but issues. First they canceled our home owners Ins, because they didn't add carry them over from our previous mortgage lender. We resolved that. But all of a sudden, we received a letter stating that our escrow is short by {$21000.00}. This is insane. Before we left our previous lender, we had a positive escrow. We called this company, and all they said was read the analysis and it explains everything. Problem is, all it shows is a math equation. It doesn't explain how they came up with {$21000.00}. We have tried to have them explain, and no one can provide a reasonable answer. We have been on several consumer reporting sites, and select Portfolio repeatedly gets hit for charging people escrow shortages in the thousands without providing reason. This company is corrupt, and acting illegally. The company should be shutdown, and everyone should be arrested. Because of this shortage, come XXXX, our mortgage will go up by over XXXX, bringing it over XXXX. I absolutely can not afford a XXXX mortgage payment. Something needs to be done to stop this company from doing this to people.
Consumer complaint received 2024-02-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

Prepaidgiftbalances XXXX  payment for work done suppose to have {$100.00}. They say card is active but no balance. Card has never been used. Seems like a scam taking money and not paying out! Absolutely no help!
Consumer complaint received 2024-02-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I have purchased {$10000.00} worth the stuff from XXXXXXXX XXXX XXXXXXXX with their scheme of NO interest for 18 months. I paid {$9300.00} within 18 months and {$1000.00} was left over which I paid in next 2 months and cleared my account. 

Now I got a statement from COMENITY - XXXX XXXX XXXX that I owe an interest of {$3300.00} for not paying that {$1000.00} in 18 month at the rate of 29.99 %. XXXX XXXX XXXX associates never mentioned that if you don't pay within 18 months, you have to 29.99 % interest from the date of purchase on the full amount. When I spoke to customer service, they said it is written in terms and conditions. Is it possible for anyone to go through each terms and conditions written with small letters and about XXXX pages long?? 

I am now forced to pay this amount and feel like I am cheated by XXXX XXXX XXXXXXXX. I want them to cancel this unfair interest charges as they have never explained that after 18 months I will be robbed and charged interest from day one and on full amount. 

My account details are as under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX credit card account : XXXX Customer service : XXXX My Phone : ( XXXX ) XXXX Please guide me whether I should pay the interest or wait for your response. Thank you.
Consumer complaint received 2024-02-26
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)

On XX/XX/XXXX, XXXX fraudulent charges for {$160.00} appeared on my statement. I contacted American Express that day and they issued a replacement card and initiated a refund for the XXXX charges. That same day, the merchant, XXXX, also issued a refund for the fraudulent charges. 

On XX/XX/XXXX, I was notified by the merchant that my account was suspended because of the chargeback and because they had already issued me a refund. I contacted American Express that day via support chat with an agent named " XXXX '' to request they reverse the chargeback of {$160.00} and cancel my fraud case. They confirmed they would and that the merchant would be contacted and the reversal would appear on my statement no later than 5 days later. 

On XX/XX/XXXX, the reversal still had not appeared on my statement. I contacted American Express via chat to confirm my original request was processed. They refused to answer the question and asked me if I could like to initiate the request again. 

I then called their support line shortly after on XX/XX/XXXX and spoke to an agent to ask if my original request was processed. She said it had not and she had no notes of my original request. I asked her to submit the request and she informed me it would be reflected in 5 days. I informed her this was unacceptable and that this needs to be escalated to a supervisor as it would have been more than 10 days since my original request. She agreed and informed me I would receive a confirmation and the reversal would appear on my statement by the end of day XX/XX/XXXX. 

3 days later, on XX/XX/XXXX, I received a letter confirming my request was received. The reversal is still not showing on my account, and therefore, I am still locked out of my account with the merchant because of American Express ' refusal to honor my original request and then refusal to initiate my second request in a timely manner.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MA)

I have no idea what this debt is supposedly from, its origin, or who the company is. It was incredibly difficult to find the name of the company JEFFERSON CAPITAL SYSTEMS that was harassing me ; they would never identify themselves. They never sent anything validating or confirming this debt. I spoke to an agent and they did not confirm or validate its origin. When I then said I will be disputing this debt, then, they simply said okay and hung up. 

Jefferson Capital Systems refuses to send legally required validation of debt owed.
Consumer complaint received 2024-04-13
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. (SC)

XXXX XXXX and XXXX XXXX XXXX XXXX are reporting my transaction & experience with them. Reporting my transaction & experiences is in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (TN)

apartment management evicted me due to below tenant complaints of noise. ( not verified ) apartment management evicted on specific date. I left and later was called by collection agency. I do not owe this money to apartment management company.
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

In accordance with the Fair Credit Reporting Act the creditor has violated my rights under 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose