davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. (FL)

EXPERIAN, XXXX, XXXX Last 4 socialXXXX RE : XXXX  XXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my bit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act XXXX, has violated my rights. 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.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the Reports
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (TX)

I discovered a debt was owed to XXXX energy at the end of XX/XX/year> when applying for a mortgage. The debt collector is/was CBE group XXXX The group itself took no action in contacting me. Not by phone, email, nor physical mail. When contacting the group to resolve this issue. They used misdirection tactics and gave conflicting information. Even tried to act like me contacting them was " an attempt by them to collect debt ''. When no attempt has ever been made. I tried to get a letter of deletion and paid said debt off. However, the company remains difficult and refuses to stay consistent in their information given. The manager at one point said " I don't know the rules for debt ''.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (GA)

I received a letter from XXXX XXXX  ( XXXX Credit Card ) I have been a cardholder since XX/XX/2007. I also have other Credit Cards with them as well via other merchants I frequent. I received a letter in the mail advising me my account was closed. I placed a call to the toll free number ( XXXX ) XXXX XXXX. The Representative was not personable at all and didn't seem to care about a long standing customer being treated this way. She advised me I would have to reapply for the credit card which would involve them running my credit again. I would have to do it online or in-store. I asked what was the reason my account was closed and I was told it was due to a discrepancy with my address. My Credit Report has my PO BOX as well as my physical address and it has been this way for years. I was not notified by phone, email, or mail that there was an issue needing to be rectified of this nature. I just received a letter about them closing my account. If this was indeed an issue then why was I not given an opportunity to address it? And why at this stage would I have to reapply for the card? This has also impacted my consumer credit report due to the card being closed. My score was dropped. I have had several points, XXXX XXXX XXXX, and other Perks for my tenure and this is something I would escalate to an attorney if this is not resolved by them.
Consumer complaint received 2017-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been working diligently with Select Portfolio Servicing to preserve my home since XX/XX/XXXX. I applied for the request for mortgage assistance ( RMA ) on XX/XX/XXXX. The process was 3  months, and I was denied the RMA. At one point, I waited for over three weeks to get a response from my relationship manager, XXXX XXXX ( **email dated XX/XX/XXXX ). I work closely and regularly with XXXX ( **emails titled My email Correspondence XX/XX/XXXX- XX/XX/XXXX ). The emails will show my due diligence and the lack of communication from SPS, to genuinely assist me in preserving my home. At the same time, I was receiving a barrage of mailings daily from SPS ( **email dated XX/XX/XXXX ). I sent an email to XXXX stating this was redundant, causing confusion, and stress with no response from her. In addition, I sent an email ( **dated XX/XX/XXXX ) asking about these erroneous charges to my mortgage account. I sent an email ( ** dated XX/XX/XXXX ) asking why a {$100.00} pyt. I made in XX/XX/XXXX was not applied to my mortgage and why there was a {$15.00} fee, and XXXX explained the fee is for a drive by. They are aware I am living at the property. I sent email ( **dated XX/XX/XXXX ), because I did not receive a scheduled call from XXXX . I received two mailings ( **XX/XX/XXXX & XX/XX/XXXX ) and a call about an outreach event in XXXX XXXX . I informed the caller, my RMA was denied in XX/XX/XXXX. I received a certified letter from SPS ( **XX/XX/XXXX ). I have returned every message/call I received promptly. I emailed XXXX ( **XX/XX/XXXX ) about harassing phone calls ( XX/XX/XXXX & XX/XX/XXXX ) about my account being in default. I informed the SPS Rep. that I have been in close contact with XXXX. I sent an ( **email on XX/XX/XXXX ), questioning why my {$600.00} pyt. was not applied to my XXXX statement. I received another call ( **XX/XX/XXXX, XXXX XXXX ) after I filed a complaint regarding these calls. I informed the Rep ( XXXX ) I was working with XXXX. The Rep informed me, my acct. was on auto dial And, If I remove my number, there wouldnt be able to contact me. She questioned me about my intentions for the property. In addition, I have received three SPS letters ** ( Add Date ) The {$600.00} and {$300.00} payments were not automatically applied to my XXXX and XXXX payments on my Mortgage Statement ( ** XX/XX/XXXX ), as I was informed by XXXX.
Consumer complaint received 2023-05-10
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: DISCOVER BANK (NC)

XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. 
- The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. 

Discover Card reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success via phone in XX/XX/XXXX and by letter.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MT)

I was contacted by an individual claiming to be fraud prevention for chime on XX/XX/year>. They got access to my account and paid themselves with the funds in my bank account through XXXX. The fraud numbers I was contacted by were XXXX and XXXX both via a phone call. I was also contacted via text message from XXXX. I contacted my local police department about the fraud and spoke with XXXX XXXX of the XXXX XXXX XXXX XXXX, my case number is XXXX. I also submitted a report with the FTC the report number is XXXX. I gave chime all of this information to prove the fraud and they denied my claim saying they never received a written account of what happened from me. I was never asked nor informed to give a written account to them on what happened. I am currently trying to re-dispute the charges and get my money back.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SUNCOAST CREDIT UNION (FL)

First and foremost the vehicle was repossessed without any prior notice that were going to happen. The vehicle was repossessed XX/XX/year> and by XX/XX/XXXX i had my vehicle was and cleared all the balance. Now, suncoast credit union reported to my credit the repossession and after i called them to resolve this issue they made me aware that it will stay in my credit for 7 years. What is the point of getting the car back if they are still reporting a repossession when it is truly not a repo? They are totally messing with the laws.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

FCN reported several medical accounts on my credit report for XXXX XXXX Hospital sometime in late XX/XX/XXXX. I called them and advised them it was I had never been to XXXX XXXX Hospital nor did I live in the area that XXXX XXXX Hospital is located in. 

They advised me I need to provide a police report and fraud affidavit, so I filed a report with my local sheriff 's office. This official report was provided to Financial Credit Network in XX/XX/XXXX. It is now XX/XX/XXXX and the accounts still remain on my credit report. 

I called FCN to see why the have not removed this, and they claimed they needed " proof '' I was not in the hospital on those dates. I advised the representative that I have rights under consumer protection laws that are invoked as soon as a proper law enforcement report and fraud affidavit are filed with them. They must remove any fraudulent information from my credit files. Asking me to prove a negative is not a requirement under the law. I am the victim here, and after providing a law enforcement report, under penalty of perjury, they must respect my rights.
Consumer complaint received 2017-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (PA)

I opened a free checking account through PNC 's virtual wallet program. A couple months later I was informed via E-mail that my account was overdrawn do to a calculated service charge. I have been charged now 3 times in the amount of {$7.00} per month. I never agreed to the terms of this fee or have been informed in any way. After researching the matter it is my understanding that my bank has the right to change its policies. To do so however, the account holder must be notified at least 30 days in writting of changes. I have recieved nothing.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America is opening accounts that are a 2 hour round trip from customers, then refusing to service the account, and forcing customers to drive into the branch, when it was advertised as an online account. I've contacted them by phone, mail and email and they refuse to close the account. They state I have to drive XXXX XXXX and spend over {$100.00} on gas just to close an account that they never were willing to service in the first place. 

They also send conflicting mail saying that the account has been closed, and another mail sending me a statement. They are clearly willing to open accounts for customers which charge fess that they are unwilling to service. This is blatant fraud, and I want to make law enforcement aware of their scam. 

Can you please immediately contact Bank of America and force them to close all of my accounts, I wish to never do business with them ever again, and I hope you can stop them from continuing to run this scam. 

After spending an hour on the phone with them today XXXX, and escalating the call, they just hung up. I no longer have any recourse here, I need the government to do its job and protect consumers.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I had a package stolen off my porch and tried to resolve this with the company I ordered from, XXXX XXXX XXXX. I have video evidence of the theft. Despite this, XXXX refused to refund me and so I filed a chargeback on my credit card. XXXX then emailed me saying they had refunded the purchase. In reality, they had not and had filed a rebuttal to my chargeback and I never received this rebuttal. I did not receive a letter in the mail nor was there ever a notification on the Chase app, which I check regularly. I called customer service and Chase said there was nothing they could do because 30 days had passed since XXXX submitted the rebuttal. Upon hearing this, I went searching for this letter, and it is buried so deep within several menus and is nearly impossible to locate. It is clear that Chase did not want me to find the letter. Furthermore, their customer service telephone hours are only during weekdays when I am at work, and have a long hold time so it is difficult to reach them if you work full time ( I work long hours in an operating room and can not make phone calls during the day ). After finally finding the letter, I found that the item that was stolen from me ( a formal dress ) was returned in the XXXX store the same day it was stolen, and was exchanged for a bunch of mens ware. Despite having evidence of this crime that I filed with the police, and evidence that XXXX knew the merchandise was stolen and still filed the chargeback rebuttal, Chase refuses to refund these charges. XXXX XXXX # XXXX
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc. ()

I was testing out Crypto.com and put money in my XXXX XXXX. I treated successfully and tried to withdraw. Couldnt do it ask for help trying to follow those tips ask for help asked for help again was taking weeks finalization do you have to pay a fee 35 % of the money I have in there cause I havent used it in a week or two. And now theyre saying that to pay that fee on Exchange which I can not because it says its not available to me so Im out {$3000.00}. They wouldnt help me long enough and now the exchange doesnt work to pay the fee so they have my money and theyre not giving it back. Thats not fair thats not nice and it seems shady..
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ITEMS to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be DELETED from my file right away XXXX XXXX XXXXXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/23 I tried to make tax payments from my account at Bread Financial ( Comenity bank ) for Federal taxes, New York State taxes, and California state taxes. I checked back daily to my bank account to see when the payments were made, but nothing happened. I got no notice that any payment was rejected, or that is was pending for any reason. The payments were never made from my account. I still as of XX/XX/23 have no notice of why the tax payments were not made or were rejected. I called Bread Financial on XX/XX/XXXX in order to research the issue. The customer service rep could not tell me anything, then put me on hold for 15 minutes and hung up on me.

Because the payments were never made I will likely be charged late fees and interest from Federal and state tax authorities. The only record I have of the payments being rejected is from the IRS and state tax authorities. There is nothing on Bread/Comenity 's website that says that they will reject tax payments, and no explanation as to why I couldn't have used this account to pay my taxes.
Consumer complaint received 2018-09-16
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. (AR)

Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my XXXX  Credit Report as well as my Equifax Credit Report due to being established through identity theft. This account who should have blocked upon XXXX  and Equifax receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX which is now reappearing on my XXXX and Equifax Credit Report. Both XXXX and Equifax are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (VA)

I opened an Apple Card through Goldman Sachs on XX/XX/2023. I was given a {$10000.00} credit limit and began using the card as my primary credit card while on vacation. I charged about {$3500.00} in purchases, well below my limit and paid the card off in full well before it was due. Without notification or explanation my account was restricted. I was rejected from using the card for any purchase. I contacted customer service on XX/XX/XXXX to find out why my card was restricted. The representative could only tell me it was under review and that they would escalate my concern. I contacted them again on XX/XX/XXXX and XX/XX/XXXX and each time I was told the same thing that my request for an explanation could not be addressed by them and they could not get a supervisor on the line to explain. I can not understand why I would be denied credit after being extended a credit card with a significant limit that I promptly pay. This is terrible customer service.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.