davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I have wrote to the XXXX XXXX requesting a call back and assistance and I am getting excuses why they cant pick up a phone and try to assist me. This is the bulk of my complaint the quality of care. I have been a AMEX member since XXXX and the quality of care has gone to XXXX over the last decade I am requesting assistance in helping freezing my account ( turning off my Amex cards ) so I stop getting charged on the cards as I am not interested in providing business to AMEX until they get there act together. I have hope one day they will be like the old Amex they once were which is why I dont want to close the account and only need help freezing my account.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EASTERN BANKSHARES INC (VA)

I had a bank account at Eastern Bank in Ma for almost 20 years. I moved to VA and have kept the same account for the past 4 years. I recently got a new position in a new company. I deposited my paycheck via phone bank app as always. This was on XX/XX/2024. They cleared {$200.00} of the {$2000.00}. The following Thursday, XX/XX/2024 they decided the check was fraudulent and withdrew the money out of my account. I called that day and they said that the check was flagged for being fraudulent. I have gone back and forth between the customer service department, fraud department, the actual bank location of my account and the corporate office of Eastern bank and still have not received my money back as stated they would on several occasions as well as emails. The check in question was cleared from my company 's bank. The funds have never been returned to my company 's bank and I still do not have fund in my bank account at Eastern. Eastern bank also closed my account! This has been going on since XX/XX/XXXX. All that has happened is Eastern bank keeps telling me they sent the funds back to my employer and my employer keeps telling me the funds have not been returned as of today. I have been going back and forth with the fraud department at Eastern Bank, my employer 's payroll department, and I even went to corporate headquarters at Eastern Bank, and I am still not getting any answers as to why they haven't returned the funds to my company so they can deposit a replacement paycheck to my new bank account. They also have not told me where my money actually is at this moment. It has been 5.5 weeks and I still have not received my money or response. I do not know what to do next to get my money. I have endured, late fees from my debtors, canceled policies and my credit rating is going down at a rapid pace. Is this something you can help me to resolve?
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute and request the removal of certain personal information from my credit report, which I believe is inaccurate and outdated. The information in question pertains to my previous address, phone number, and inaccurate names associated with my credit report. 

Below are the specific details of the disputed information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am providing this dispute because the presence of inaccurate or outdated information on my credit report can have a negative impact on my financial well-being. I believe that it is crucial to maintain accurate and up-to-date credit information to ensure that my creditworthiness is assessed fairly and accurately. 

I respectfully request that the Consumer Financial Protection Bureau investigate and verify the accuracy of the information mentioned above. If it is determined that any of this information is indeed inaccurate or outdated, I kindly request its immediate removal from my credit report. 

I have enclosed copies of relevant documents that support my claim, including but not limited to utility bills, official documents, or other forms of proof that substantiate my correct address, phone number, and name ( s ).

Please acknowledge receipt of this dispute in writing and provide me with a timeline for when I can expect a resolution. Your assistance in this matter is greatly appreciated, as it will help ensure the accuracy of my credit report and maintain the integrity of the credit reporting system. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-05-01
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: WELLS FARGO & COMPANY (FL)

XXXX  closed my complaint without furnishing the vendor who provided the late payment information. this is not on my credit report because i dont have any late payments. i want vendors name and phone number. wells fargo is also included in this complaint because they list on there site that i am late on payments but will not tell me who they are. original complaint XXXX regards XXXX XXXXXXXX
Consumer complaint received 2023-10-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NY)

this XXXX XXXX debt collection has been paid and they still showing out on my credit report and I dont owe them any money and Ive been sent the letter and they still didnt move it it from my credit report and I want them to move it soon Fast time oh Im gon na have a problem with the company because it has been paid delete that collection from my credit report.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Dear CFPB, This complaint regards a promotional offer for a Macy 's American Express card, which is in fact a general purpose card. 

On XX/XX/2024 I received an email with a promotional offer of 6.99 %XX/XX/XXXXinterest if activated. ( This was the first time I had received ANY notification of the offer, which I later learned had been in effect since XXXX. ) On XX/XX/2024, I activated the offer via the link in the email. It took me to a website with an activation button. Having pressed the button, I received confirmation that the offer was activated. Later that day I used the card specifically because of the offer. 

Then on XX/XX/2024, I received ANOTHER email with the offer, like Macys never knew I had activated the offer. Once again, I used the link in the email and was taken to a webpage with an activation button. Once again I received confirmation. 

On XX/XX/XXXX, I checked my Macys American Express account online and there was discovered no offer in place the account. Next, I called the help line and explained what happened. I received no assistance in this matter even though Macy 's tech was at fault when I had TWICE activated the offer. 

This was like a BAIT AND SWITCH. I relied on the offer to make a large charge, XXXX XXXX XXXX for {$540.00}. Now the interest rate on that money is a usurious XX/XX/XXXX. 
BAIT me into charging and " mysteriously '' the offer activation doesn't occur. I would have charged the vet bill to a decent credit card company. 

Furthermore when I called Macy 's help line, the agent deliberately told me to call American Express at at a number that didn't work. 

This promotional offer BAIT and SWITCH was totally egregious.
Consumer complaint received 2024-05-16
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. (PR)

EXPERIAN reporting on my consumer report a debt by XXXX XXXX XXXX as a NON-AFFILIATE THIRD PARTY : XXXX XXXXXXXX XXXX has not verified or properly validated an assignment of debt ( Actual Credit Card Agreement ), a contractual agreement naming XXXX XXXX XXXX and me as parties agreeing to a financial contract according to 15 US CODE 1692g Validation of Debts
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Account Number : XXXX TransUnion XXXX XXXX XXXX XXXX above this account is listed but as three different accounts it's all showing in correct information that does not belong to me. I've tried getting this removed before. 

it's showing across all three pass due on a " collection '' Date Last Payment : XX/XX/XXXX Inaccurate TransUnion XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX High Credit : XXXX Inaccurate TransUnion XXXX Inaccurate XXXX XXXX Inaccurate XXXX These above is showing the high balance is higher than the original balance of the account that was opened. 

Last Reported : XX/XX/XXXX Inaccurate TransUnion XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX ALL OF THIS INFORMATION IS INCORRECT & NEEDS TO BE REMOVED.
Consumer complaint received 2024-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX I was charged {$3300.00} on a credit card. At the time I was no longer employed by XXXX nor did I give any permission. In fact I had been informed after I left that they had forgotten even though my separation process had been discussed months in advance. I contacted XXXX and was told my disagreement would be passed on. 
After follow up and no word I found my credit card that was used for advetising and XXXX XXXX XXXX insurance ( {$210.00} a month ) that was no longer authorizede or active with the company was charged the disputed amount without my knowledge, consent or approval. 
When I contacted Bank of America they decided that being my card had been used in the past for much lesser amounts it was now consistent and my dispute was denied. In addition it was established that the monthly charges had been suspended in XXXX of last year by mutual agreement, due to my termination from the company. There was no answer to how Bank of America justified a disputed amount that was approximately XXXX any previoius charge. Further more they decided that despite the documentation I provided showing that there was no balance due upon my termination and the admission by my superior that they had simply forgotten would have allowed me the opportunity to clarify or take a different path. Instead they chose to illegally charge my card when I no longer was employed. 
This is a dispute between myself and XXXX XXXX XXXX XXXX. I was allowed to resign due to XXXX XXXX XXXX XXXX. There was never any mention of any repayment of any signing bonus when we discussed my departure. 
The company had no valid expectation to receive any renumination from me.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

During the pandemic, I was receiving unemployment benefits on a Bank of America prepaid debit card. My wallet was stolen, along with my EDD prepaid debit card. Fraudulent charges were made. A report was filed. I continued certifying for benefits. 
Only recently have I been able to reestablish my identity and verify. In the meantime I filed an appeal, which I won! All the disqualified weeks I had certified for were finally approved and monies deposited to Bank of America prepaid card services. I was unaware of all this until four days ago or so. 
I noticed an email in my inbox from BofA prepaid services. It had been there a month. The email simply stated there were changes being made, and that I needed to service my account. I called the number provided. I spoke with several representatives who confirmed my identity over the phone. I was instructed to go to my local BofA and once again prove my identity in order to regain access to my funds. I did. 
However, after all these years without benefits, and all this identity verification? BofA says my account has been closed, and they can not issue me a new card! They say this is because my EDD claim is no longer active. My account has been closed. They refuse to release my money to me. They said it depends on EDD? 
How can this be? Regardless of my unemployment claim status, my pending weeks of certification were approved. Funds were deposited into an account bearing my name. Why am I still not allowed access to my monies? 
Please help me understand how any of that is legal? Please help me understand what needs to be done in order for me to receive my funds? Your help is much appreciated. 

Thank You, XXXX.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX. They did not provide me with the orginial application like I asked.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITICARDS CBNA XXXX
Consumer complaint received 2024-05-01
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: GOLDMAN SACHS BANK USA (NJ)

I would like to make a complaint about an issue Im experiencing with this credit card company, Ive been with Apple credit card for almost 3 years with no direct issue or any purchase problems. However someone recently gain access to my personal beginnings along with my Apple credit card and made several pieces which I properly report to Apple credit card. They immediately shut down the card and issued me a temporary credit while the unauthorized investigation is ongoing. Now as of today XX/XX/year> I have not received any documents or correspondence from the credit card company, not even a mail with updates about the unauthorized transaction. Yet today Im checking my account and noticed a reversal of the temporary credit and a emailing saying the transactions will remain on the merchant website. I have not done any such business with the merchant and my card was used frequently and Apple Card claims that i am covered by the zero fraud policy. Yet they refuse to properly investigate these transactions and provide valid information! Im kindly asking the CFPB to step in and help me address this issue. Thanks
Consumer complaint received 2024-05-01
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: GOLDMAN SACHS BANK USA (CA)

Contacted XXXX for service not delivered as expected. Received repeated stonewalling and non-responses ( see supporting document ). 

XX/XX/2024 opened dispute with Apple Card for service not delivered as expected. 

XX/XX/2024 Apple Card reached out asking me to provide exchanges I've had with XXXX. I replied with the documents on the same day ( my communication with them, bank statements showing I paid the charge ). 

No fair investigation was provided. 

XX/XX/2024 Apple Card reached out with the SAME email asking me to provide exchanges with the merchant. I did AGAIN. 

Contacted XXXX for service not delivered as expected. Received repeated stonewalling and non-responses ( see supporting document ). 

XX/XX/2024 opened dispute with Apple Card for service not delivered as expected. 

XX/XX/2024 Apple Card reached out asking me to provide exchanges I've had with XXXX. I replied with the documents on the same day ( my communication with them, bank statements showing I paid the charge ). 

No fair investigation was provided. 

XX/XX/2024 Apple Card reached out with the SAME email asking me to provide exchanges with the merchant. I did AGAIN. 

XX/XX/2024 Apple Card denied my dispute without a fair investigation. No investigation detail was shared. Apple Card claimed " The merchant charged you the same amount that you intended to and did pay for your purchase ''. This has nothing to do with the fact I paid for service not satisfactorily delivered.
Consumer complaint received 2023-09-21
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. (NY)

feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, Experian is not removing them from my report.
Consumer complaint received 2023-10-28
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. (NC)

Experian is reporting a bankruptcy on my credit profile. Experian stated the company that reported the information has certified that the information is accurate. So in return I contact the courts and they informed me that they do not share information with any credit reporting agencies. This is a false claim by Experian and this bankruptcy has yet to be removed from my Experian credit report.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-06
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: American Credit Acceptance, LLC (FL)

I have reached out to American Credit Acceptance prior to this notice pertaining to your Financial Institution disclosing to a nonaffiliated third party ( XXXX, XXXX, XXXX ) any nonpublic personal information that pertains to me, a Federally Protected Consumer, XXXX XXXX.
Consumer complaint received 2023-05-06
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)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 state a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX