davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (NC)

I received a letter from allianceone collection agency on behalf of XXXX XXXX, OH stating that I owe an amount that's not even due until XX/XX/2023! I only owe at this time {$130.00} and XXXX reported to AllianceOne that I owe {$490.00}. The amount of {$360.00} is not due until XX/XX/2023 and to report that I owe an amount that is not due is false information and can have a big affect my credit score once reported! Also, I was charged for digital services that are offered free with service... XXXX XXXX on Us {$1.00} and XXXX {$4.00}.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I opened a checkings account with BMO Harris online XXXX, XXXX XXXX  and deposited a cashiers check of {$60000.00} on XXXX, XXXX XXXX. Also deposited a cashiers check of XXXX on XXXX, XXXX XXXX. An investigation was launched XXXX, XXXX XXXX. I was told by the lead investigator XXXX it will take 7-14 business days. Its been 16 business days since investigation launched. Both my cashiers have been cleared and available in the account. First {$60000.00} was available XX/XX/2023. The other {$60000.00} was available XX/XX/2023. All funds have been verified and received and still no update on having access to my account.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (IL)

American Express is a debt collector and they are breaking the law. Every month I get an envelope with their logo on it. Claiming to be a statement but in actuality, it is a bill. They have broken the law more times than I can count and each time is a violation and is causing me mental distress. Pursuant to 15 U.S. Code 1692f ( 8 ) : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

I was told my payments will be {$980.00} a month for 11 months and then {$2000.00} for the next 178 months. I am XXXX  on a fixed income and with the bills I have the amount is not possible for me to pay
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I received a Lowes ( Synchrony ) card in XXXX of 2017 with a limit of {$3000.00}. I purchased a hot water heater and a few other items and paid it off before the 6 months interest rate promotion was over. In the Summer I attempted to purchase a few more items and was denied because my credit limit was reduced significantly to {$100.00}, I was in the store, spoke to customer service and they called to see what was going on. I was told that they did a credit check and decided to reduce my credit limit. I was livid and they said there was nothing they could do and maybe in 6 months I could see if the credit limit could be increased. I proceeded to purchase the items with the credit I had available and immediately paid that off when the bill came. Fast forward to last week, I received a letter stating the account has been closed because of a credit check. Please note, I do n't have a balance on this card. I believe this credit card company has ruined my credit. I have other store cards and credit card companies increasing my limit while Lowes/Synchrony is decreasing my limit and closing my account.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Reported my Credit Card account ending in XXXX to the Credit Bureaus as late, charged me late fees, and proceeded to close the account when they were not supposed to do that. 
Your actions are in Direct Violation of The Fair Credit Reporting Act ( American Express Account Ending XXXX ) and have violated several of my rights. 
15 U.S.C. 1681 Section 602 A, clearly states that I have a right to Privacy. 
15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include a report containing information solely as transactions or experiences between the consumer and the person making the report. 
Remove these late payments and update this account immediately, as you are in direct violation of several laws under The Fair Credit Reporting Act. 
A dispute was filed via email and USPS mail.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am looking at my current credit report from XX/XX/XXXX, and noticed some public records that are not accurate. And according to the fair credit reporting and whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The items in question are XXXX XXXX case # XXXX / XXXX XXXX case # XXXX XXXX case # XXXX / XXXX case # XXXX / XXXX case # XXXX / XXXX XXXX case # XXXX also one more thing according to 15 USC 1681s-2. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inacurrate. 

Check attachments below
Consumer complaint received 2023-07-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We were contacted by our Merchant Service Provider on XX/XX/2022 that our company had been report to a system called " XXXX XXXX XXXX '' for excessive chargebacks by Bank of America. 
I tried to contact Bank of America for days and finally spoke to someone who told me to call the local branch and file a complaint. I called the local branch and made an apt . and meet on XX/XX/XXXX with XXXX XXXX, Financial Center Manager XXXX. HE told us that someone opened an account over the phone with our name and FEIN number ; all other info was fraudulent. He filed a BOA Fraud Claim # XXXX and told me we had to wait to hear something, but it could be up to 90 days before they review it. 
I received a generic email from XXXX XXXX XXXXXXXX on XXXX XXXX, requesting we fill out a packet and send it back. I filled it out and sent it back. 
I spoke to our Merchant Services Account representative XXXX XXXX whom has tried to get our account turned back on, however until Bank of America removes the " fraud '' alert from " match '' we will not be able to have a Merchant Services Account. We used this account to run credit cards for customers, and other than checks this is the only other form of payment we accept. 
It doesn't seem right that Bank of America opened a Merchant Services Account for someone over the phone with only our FEIN number and NO other identification. 
They did finally say we were not at fault but did not offer to repay for any damage done to us from not being able to accept merchant service transactions and have customers pay. 
I saw there is a ruling regarding Bank of America and things they have done to customers and I believe we fit these charges.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CT)

I closed my accounts with Citibank on or around XX/XX/2023. I was able to consolidate two separate accounts over the phone. I was told over the phone that checks for the remaining balance for both accounts, one with {$300.00}, and one with {$3800.00}, would be mailed to my address and should arrive in ~10 business days. I called again in late XXXX to inquire where the checks were, as I had not received anything and was told to wait another week as they get delayed in the mail sometimes. I called again in early XXXX and I was told to wait 1 or 2 more business days to receive the checks. On XX/XX/XXXX, I received one check dated XX/XX/XXXX for {$300.00}. The check for {$3800.00} did not arrive and is still outstanding. I called Citibank again on XX/XX/XXXX and received no additional information. 

I called again on XX/XX/XXXX and was told that they would void the check and send a fresh check to my address. The second check for {$3800.00} was issued XX/XX/XXXX and was due to arrive on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive either check for {$3800.00}. In speaking to the bank on XXXX XXXX, I was told they will void the second check and that I should expect to receive it on or around XXXX XXXX. 

My mailbox is locked and the only people with access are my immediate family. Neither check for {$3800.00} has arrived, and Citibank has no other options available for me than trying to send a third check. The representatives told me they would log my case and file a complaint within the bank to learn from this issue. No explanation could be given as to why the checks have not arrived. I have essentially lost access to {$3800.00} for three months which is a major detriment to my financial wellbeing, just because I do not live in a state with a Citibank office where I could've visited to close my account. This has been incredibly stressful and I do not wish others to have a similar experience.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX  American Express ( " AE '' ) charged my credit card an annual fee totaling {$1000.00} ; {$690.00} for the first authorized card and {$350.00} for the second authorized card. On XX/XX/, AE added a pre-set charge limit of {$18000.00} without notice or correspondence to me. Prior to this, I had no pre-set charge limit. I reached the charge limit ( on or around XX/XX/XXXX  ) when I tried to purchase materials for a project I'm working on and the transactions were declined. On XX/XX/, I called AE to inquire about the sudden change and they informed they periodically review accounts and add pre-set charge limits accordingly. I asked to cancel the card and get a refund of the annual fees I was just charged. The customer service representative ( " CSR '' ) requested I give them a chance to review the account to see if they could resolve my concerns without me cancelling the card. The CSR said they would reach out in a few days with a response. On XX/XX/, I called AE back because I had not heard from anyone. I spoke with four representatives from AE. I asked to speak with a supervisor after the first two CSRs could not help me. They told me the next person was a supervisor ( who also wasnt helpful ) and put me on with another Supervisor named XXXX ID # XXXX. The 3 representatives prior to XXXX could not confirm when I called or any notes detailing the XX/XX/XXXX conversation. XXXX, however, was able to find the date I called but she ultimately could not help and told me there was no way for me to log an official complaint with AE. She then told me someone would get in touch with me. 

My complaint is that they charged me the annual fee and then dramatically changed the dynamic of the card. I would never pay over {$1000.00} in annual fees for a card with a pre-set limit. It's embarrassing having your card decline at a store you frequent for your business and it's sets the wrong precedence about you as a business owner. If AE wants to add a pre-set spending limit, they should give me the opportunity to cancel the card with no fees.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

On XX/XX/2023 I received letters from Lexis Nexis stating that they were unable to locate a bankruptcy record on my consumer file however XXXX is reporting a bankruptcy on my credit file and have advised they obtained the record from Lexis Nexis. I am asking Lexis Nexis to file a dispute directly to XXXX to have the bankruptcy removed immediately as this information reporting on my XXXX credit report is inaccurate. The Case numbers I received from Lexis Nexis regarding this matter are XXXX XXXX XXXX XXXX XXXX. For you review I have attached the letters I received from Lexis Nexis as well as my XXXX credit report showing the bankruptcy that is being reported. This inaccurate information being reported on my credit file has caused me serious financial hardship and I am asking Lexis Nexis to resolve this matter with XXXX.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WI)

In accordance with the Fair Credit Reporting Act XXXX  Comenity BankXXXX XXXX XXXX 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 an 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 any purpose
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I closed my XXXX XXXX account in early XXXX as I wanted to open up a XXXX XXXX Account instead. I knew I had a balance of about XXXX Ultimate Rewards points, so when closing the account, I explicitly asked about my points, and the reps said I wouldnt lose them as I had other cards that were on the Ultimate Rewards Program. 

On XX/XX/XXXX, I actually transferred over XXXX points from another card into the XXXX Ultimate Rewards account to consolidate all my points under one account. On XX/XX/XXXX, I was transferred XXXX points out of that account to purchase airfare. 

I believed all things were normal, until I logged in on XX/XX/XXXX to discover all my XXXX plus Ultimate Rewards points had been forfeited. I reached out to the bank, to the credit card number, and to support on XXXX -- and they all told me I was out of luck because the account was closed and I had 30 days after closure to move or use the points. In summary, despite all my attempts, I lost over XXXX points which I had accumulated over years, these points are worth between $ XXXX {$8000.00}! 

Three major things at play here - 1 ) I was able to transfer points in and out of the account as recently as XX/XX/XXXX and XX/XX/XXXX, respectively. This is over 2 months after I closed my account. If their policies state 30 days, why would they let me move more points into the account after the account was supposed to be closed? 

2 ) Nowhere on the portal, as an email, or anywhere was I was warned that the rewards account would be closing and I need to move my points. The portal was behaving completely normally. I can actually still see that account on my Ultimate Rewards portal when I log in!

3 ) Multiple times, the account reps told me that I would not lose my points. And I spoke with them multiple times because I applied for the XXXX XXXX XXXX and got denied because I still had an active Sapphire card with a balance.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (CA)

I was recently received a credit report that shows the Vance and Hoffman have filed a collection against me on XX/XX/2023 for collection account originally held by XXXX XXXX XXXX I have never had account with XXXX XXXX XXXX I believe this report is a result of fraud and error whats your desired outcome I want this account removed from my credit history
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Chime Financial Inc (CO)

I have contacted my bank, the IRS, and XXXX. I have contacted Chime Bank and talked to supervisor or employees to find my federal tax return I have revised a letter from the irs and XXXX stating that chime bank has my federal tax return. Ive continue to call chime to see where my return was, at first I was told by my bank the return and it would be processed. After I called them the next day my return was no where to be found. The refund amount was {$620.00}.
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Onity Group Inc. (FL)

We had a foreclosure sale dated XX/XX/XXXX. We filed a motion to extend the sale date and there was a Home ( XXXX XXXX XXXX ) meeting on XX/XX/XXXX and the judge agreed to extend the sale date to XX/XX/XXXX. On XX/XX/XXXX the judge signed the order to extend the sale date for 30 more days, and it was furnished to all parties thereafter. On XX/XX/XXXX a copy of the original short sale request was submitted a second time along with the judges order to extend the sale date. 
The bank later sent a letter to all parties advising us, that they had insufficient time to perform their review and therefore did not provide us with the short sale approval letter. 
The bank has been doing this for several years, whenever we sent documents that they requested they would wait until those documents expired and then send a new request. By doing this, we keep losing prospective buyers for the properties. This is so wrong. We are at the point where they are planning to foreclose on the property. 
Please advise.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Sending attached documents and complaint to the furnisher at the same time as this document is being sent. The furnisher of credit information being disputed within the attached document, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is fraudulent, which can be demonstrated by review of the attached documents. 
The charge of operating a motor cycle without protective eyewear does not apply to the provisions of Florida statutes section 316.211 ( 2 ), where the motorcycle at bar was a scooter with an engine displacement of 50 cubic centimeters or under, thus protective eyewear not required pursuant to the provisions of Florida Statutes section 316.211 ( 3 ) ( a ). 
This action was commenced on XX/XX/2019. These actions constitute filing a false report with the credit reporting agencies. 
Actions taken by company : Conviction of violation of Florida Statutes section 316.211 ( 2 ) and suspension of my drivers license for 5 years, due to the violation of Florida statute section 322.264, which was a direct by-product, ( fruit of a poisonous tree ) of the original fraudulent action of issuing a citation when no law was in fact broken. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, Fl. XXXX, Fl. Bar # XXXX, was the fiduciary, that was paid {$1500.00} to dispute these matters with the furnisher, that refused to do so. I accepted the terms of the agreement under undue influence of a conspiracy to deprive me of my civil rights, perpetrated by the court, fiduciary, and officers of the furnishing agency.
Consumer complaint received 2023-09-09
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I was making a payment on my Lowes card on XX/XX/23 and discovered my account was closed. I have not received a letter stating my account was being closed. I called Lowes Customer Service and was informed on XX/XX/23 my account was closed because I have too many accounts with high balances. Well who don't have credit cards with large balances at this time with this economy. I was okay with Lowes dropping my limit but to close my account entirely hurts my credit score.