davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was reporting an ID Theft related incident where someone was trying to open a XXXX  Checking account Online with my information that was fraudulent on XX/XX/22. I immediately proceeded to call the XXXX general number on this matter, spoke with a representaitve named XXXX after waiting 1.5 hours.on the phone. I was requesting a case / reference number for my records and she transferred me to a voicemail system which did not provide that detail. 

Later in the day I had to call at least 3 more times trying to obtain the case / reference number and spent an additional 3 hours frustratingly being placed on hold and not being assisted. The last call which was over 2 1/2 hours I was with another representative who transferred to Fraud agent- XXXX who was not of much help, did not appear to be able to understand the notes on my file, said initially he didnt find anything on my profile, then found some notations and after 45 mins gave me 2 reference numbers. However, he stated that I still had to open a claim with an additional department and did not know if what I had reported was enough for the Bank. At this point being more frustrated I requested for a manager, waited an additional 30 mins, and was then told that the supervisor advised via a chat message that I needed to open a separate claim and provided an additional phone number which I called and hung up after 45 mins more of waiting. 

This prompted to go to their local branch the next morning to follow-up on this matter with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a complaint at the branch, and submit my complaint to you. While at the branch I was then transferred to speak with XXXX XXXX XXXX XXXX. and was subsequently told after an hour and a half that I had to call the Detection Fraud unit to further discuss my situation/ details on Monday since their office is closed on weekends. 

This is completely ridiculous, unacceptable and overburdensome for an individual to deal with. On top of that I happen to be a XXXX XXXX XXXX XXXX XXXX XXXX of over 30 years to see such a lack of assistance and competence on behalf of Bank of America which is why I have filed this formal complaint.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (IL)

EQUIFAX -- you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Consumer complaint received 2023-09-12
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. (FL)

SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.
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. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management calls me 3-5 times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Fraudulent charges from XXXX were made on my account in the amount of {$29.00} on XX/XX/23 and XX/XX/23. The fraud was verified to be true but Chase Bank refuses to credit my account because they said it was past the 60 days. I reported it as soon as I recognized the fraud happened.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: IDAHO CENTRAL CREDIT UNION (ID)

On XX/XX/XXXX I had two transfers of {$4500.00} put into my account On XX/XX/XXXX two transfers of {$5000.00} were added to my account On XX/XX/XXXX all the transfers were successfully cleared. My bank froze my accounts stating the transfers might " bounce '' like a bad check. But that's not how transfers work the money can not be taken back once cleared. Idaho central credit Union is refusing to give me access to my account or money.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (VA)

Called American express because I received a card in the mail ( old address, parents house ) with my maiden name. The card was active and the letter had an account number on it. I called and canceled the card and requested to speak with someone to report it because I did not open the account and I did not apply for the card. They told me there were no notes on an application being opened by me and I asked them why they would approve me then. I was transferred and then told an online application was submitted XX/XX/XXXX. It concerns me that originally there was no application and when I pushed further suddenly there was. I was told the card was cancelled on XX/XX/XXXX but called back on XX/XX/XXXX and was told they just escalated the situation and cancelled the card, so I was lied to. I was told on XX/XX/23 they would send me an email stating I did not open this account and that an investigation was being opened. I called back on XX/XX/23 and was told they don't send emails confirming that. I keep being told different information from American express and they have not been helpful in figuring this out. This is their responsibility, they are the ones who approved me for a credit card with a {$20000.00} limit and sent me an active card in the mail. They didn't verify the application when my legal name and current address wasn't even used. I also called XXXX who never received any notice of my SSN being used or taken. All of this makes me strongly believe that someone in American express is the one who illegally opened this account under my name and sent me an unsolicited credit card. I have attached a documentation stating everything I have done since yesterday when finding out about this credit card and have stated every interaction I have had with American Express. If they are not the ones who illegally opened this account under my name, they are still being negligent in this process and are making it very difficult for me as the consumer to ensure I have all the evidence I need to protect myself.
Consumer complaint received 2023-07-10
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. (FL)

EQUIFAX ACCOUNT # # # # # # XXXX, dispute XXXX, COLLECTION : XXXX  XXXX. please remove this account. under federal law you had 30 days to complete your reinvestigation and youve failed to comply with FAIR DEBT COLLECTION PROTECTION ACT. THIS ACCOUNT WAS ALSO REMOVED FROM XXXX PLEASE REMOVE THIS INNACURACY FROM YOUR BEREAU AS I UNDERSTAND IT IS YOUR JOB TO PROVIDE ACCURATE REPORTINGS.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-05-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Quicken Loans, aka Rocket Mortgage refuses to follow the new law " Blue Water Navy Vietnam Veterans Act of 2019 '' They are requiring a 10 % down payment from us to approve our mortgage application for a home in XXXX XXXX, CA. The county conforming loan limit is {$510000.00}. They say we can not get a XXXX down VA mortgage above this limit. They stated that we must pay 10 % down payment on a VA loan if it is above that limit. We brought this law to their attention and they refuse to honor and follow the law. 

Because of the Blue Water Navy Vietnam Veterans Act of 2019, VA borrowers can add the ability to purchase above the county loan limit without needing a down payment. Starting XX/XX/XXXX, veterans with full VA loan entitlement can now borrow the full loan amount without needing to factor in a down payment. ( please note, this is not just for " Navy Vietnam Veterans ''. The act is for ALL veterans ). 

Reference is here from the VA : https : //www.benefits.va.gov/homeloans/documents/docs/bwn_faq.pdf. We draw your attention to the last bullet statement in the first FAQ that states : " A removal of the effective loan limits for VA-guaranteed loans, closed on or after XX/XX/XXXX. This may be especially of interest to Veterans seeking to obtain what are commonly referred to as jumbo loans, or to Veterans living in higher-cost markets, as VA borrowers with full-entitlement may now obtain no-down payment VA guaranteed home loans in all areas of the country, regardless of housing prices. ''
Consumer complaint received 2023-02-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (FL)

My credit was ran on XX/XX/23 by Synchrony Bank in the amount of {$15000.00} with out my permission. This is a violation of the Fair debt collection practices act 15USC 1692 C a. I found out about this fraudulent transaction on XX/XX/23 after receiving harassment letters in the mail. This is another FDCPA 15USC 1692 B 4 5. Following with numerous phone calls, voicemails and txt messaging multiple times per day. FDCPA 15USC 1692 D 5. The worst part about this is my business phone was used to create this credit. This phone number goes to my employees and it has been extremely embarrassing causing me XXXX ship and humiliation. FDCPA 15USC 1692 C 3 b. Not only have they been harassing my work place where I conduct business to feed my family. They sold my information to third party credit reporting agencies. Which is a complete breech of privacy and I never gave anyone consent to hand out my personal information. FDCPA 15USC 1692 C a. The mail has been going to my home in Florida where I have family staying and now they a long with the mail carrier can see that I supposedly have debt through this Care credit card. Which is another breech of my privacy and is another embarrassing situation. Ive also been denied credit through my business do to this transaction being on my credit report costing me thousands of dollars in loose.
Consumer complaint received 2023-09-12
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. (OH)

Hello to whom it may concern, have sent in dispute letters but some have not came back as corrected after 30 days, during covid I faced financial hardship and now want to remove all late payments from my credit report during the time period considering the FRCA. 
Below is my attached dispute letter sent to all XXXX bureaus. 

I am writing to dispute the following information that appears on my Equifax, XXXX, XXXX report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$670.00}. 
XXXX  XXXX Dates in need of correction : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as ''an agreement to defer 1 or more payments or forbear any delinquent amounts ''. 

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 


I personally signed and sent this letter. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I purchased two items from XXXX. The funds were returned to my debit card XX/XX/2023, XXXX Although the debit card and 5/3rd account that was attached to the card had been closed, the return transaction was processed successfully on XXXX end. Order number, and return purchase transaction numbers are verified via email sent from XXXX. On XX/XX/2023 I was told by 5/3rd bank representative that I would receive a cashiers check, due to the fact my account, and card were no longer active. I received one check, in reference to the return transaction XX/XX/2023 ( the second transaction ), but never received the check for the first return transaction. I called 5/3rd bank and was told there was no such return, told I couldnt have been told no such thing because my account has been closed, and to check back with XXXX for a resolution. After checking with XXXX, I was sent an email verifying that the transaction had indeed been processed successfully. I called 5/3rd back with the valid information and was told lie, after lie after lie, put on hold time after time, transferred to different representatives posing as supervisors, told I would be contacted about the matter. I havent heard anything, and I have not received my money and I can not find an honest representative.
Consumer complaint received 2023-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023 I made an online purchase using my Capital One XXXX on website www.millerevan.com in the amount of {$73.00} for a mens belt. I never received the item and the vendors email portal does not function and they do not have a phone number for me to contact them as I tried to cancel the order minutes after the transaction was place, suspecting fraud when the charge appeared on a XXXX account in the name of XXXX XXXX. 

I contacted capital one to dispute the charge and they, in turn, contacted the vendor. The vendor claimed that they had sent me the merchandise but provided no tracking information or documentation of any sort yet Capital One sided with the vendor. 

I am much more concerned about Capital Ones failure to do due diligence on this vendor ( as opposed to simply taking their work for it ) than recovering the money.
Consumer complaint received 2023-09-12
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: AMERICAN EXPRESS COMPANY (NY)

I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently conducted an in-depth examination of my credit report, an experience that has had a profound impact on my mental well-being. During this review, I unearthed several discrepancies that are unverifiable, invalidated, inaccurate, and of questionable nature. It is concerning that these issues persist, and I believe that your agency has a responsibility to ensure the utmost accuracy in credit reporting, as mandated by the Fair Credit Reporting Act. 

In light of this situation, I wish to draw your attention to the relevant legal provisions, namely 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which emphasize the requirement for credit reporting agencies to maintain the highest level of accuracy in their reporting. These accounts, as identified in my credit report, appear to be in clear violation of this mandate by not reporting information that is 100 % accurate. 

I must emphasize that the discrepancies in my credit report have had a detrimental impact on my financial standing and overall well-being. It is crucial that these issues are promptly addressed and rectified to restore the integrity and accuracy of my credit report. 

I kindly request that you conduct a thorough investigation into the aforementioned discrepancies and take appropriate action to ensure that my credit report is updated to reflect accurate and verified information in accordance with the law. 

Thank you for your attention to this matter, and I trust that your agency will take the necessary steps to address these issues promptly.