davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I opened a checking account with Bank of America and they offered a XXXX dollar bonus for depositing {$1000.00} of " qualifying payments '' within 90 days. 

I met the requirements and recieved the XXXX dollar bonus, which was deposited into my account. 

Bank of America has recently been found to have witheld their bonuses and making false claims. Bank of America contracts provide a provision that if an account is cancled for any reason other than voluntary owner request or inactivity, all reward points get forfeited. 

Luckily, I was able to utilize the reward bonus prior to my checking account being closed ( they did this with my credit card account, too ).
Consumer complaint received 2023-06-22
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. (CA)

Complaint Regarding Credit Report Dispute Dear Sir/Madam, I am writing to file a formal complaint against all 3 credit bureaus for their handling of a dispute related to a charge-off on my credit report. I initially disputed this charge-off with Credit Bureau in XX/XX/2023, requesting verification of the debt. Despite my request, Credit Bureau has verified the charge-off without providing me with the method of verification or any proof of the debt. Here are the details of the disputed item : Account name : XXXX XXXX XXXX XXXX Account XXXX :XXXX  XXXX Acct XXXX XXXX.. XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX I believe that the Bureaus actions are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to provide consumers with accurate information about their disputes. I kindly request the CFPB to investigate this matter and ensure thXXXX XXXX XXXX XXXXplying with the FCRA. I also request that the charge-off be removed from my credit report because the bureaus can not provide proof of the debt. Please find attached copies of my correspondence with Credit Bureaus for your reference. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Since my first complain in XXXX XXXX, NationStar Mortgage is asking for documents after documents. I have provide all documents they asked for but still they 're telling me that my file is under review for modification, anytime I call them. 
Please note even I have foreclosure sale date scheduled for this coming XXXX XXXX XXXX, they are still declining to postpone the foreclosure sale date. 
Please help me, I do n't want to lose my house, Sincerely,
Consumer complaint received 2023-10-03
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: DISCOVER BANK (AZ)

XXXX Discover credit card judgement {$5600.00}. XXXX XXXX XXXX XXXX garnishment starts 25 % of income XXXX request for hearing on garnishment XXXX garnishment lowered 15 % XXXX employment ended and {$3300.00} has been paid. 
XXXX discharge & release of garnishment XXXX  contacted XXXX XXXX XXXX. Was told account went back to Discover Bank. 
No further communication from Discover Bank. 
XXXX {$2400.00} still owed. Contacted Discovery bank to resolve debt in full but asked for a settlement amount. Was told account was in another department that only communicates via email. Was told a lawyer would have to be assigned to my account and I was to email name dat account number etc information, so I did. I received a confirmation email stating someone would email or call in 5-7 days. No contact. 10 days later I called back. This time I was told they were short staffed and it would be more like 14 days. This did not happen. Called again and spoke with a supervisor and was told she would put in a request to expedite my request. Every time I told them I was ready to pay that day and every time I was told that they could not take a payment from me. 
XXXX still no call or email from Discover. 
This has been handled unprofessionally and it it still on my credit report, which I have worked very hard to improve.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

Did an online purchase and different amount was taken out. Close to {$70000.00} was taken which was suppose to be only about {$400.00}. Asked the company for a refund and the company asked for more to have it fixed. Asked the bank for help. The bank attendant said that it was done online and they are unable to help. It was bank that approved the amount and they do have the right to help. The company was scam and bank refused to help.
Consumer complaint received 2020-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (FL)

I called One Main financial to ask about deferment of payments while I'm laid off on furlough for the Coronavirus pandemic. And they wouldn't allow it. Said i didn't take bbn out the insurance for this. And they were not offering any help in the matter without it. I've never missed a payment and have never been late on a payment. This saddens me that they're offering any help. I will never borrow from them again. When I pay this loan off.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2018, I sent a dispute letter to Experian disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Experian is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. You had ( 30 ) days to validate this information, and you failed to do that. 

Experian only put a statement about fraud and identity theft on my credit file. I also went as far providing proof, and I sent documents to Experian in my dispute that I am a victim of Identity Theft, Experian failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-04
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. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-10-03
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. (GA)

I have sent my dispute letter to XXXX and Experian Informing them of the inaccurate information being reported. I have never given my permission to furish the company on my Credit Report. PLEASE REMOVE immediately XXXX ) XXXX XXXX / XXXX XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management, I see like all the rest of those who do what you do that you don't do your homework, the letter you sent me will not be accepted nor will we act on as we previously requested from XXXX a copy of the bill of sale which by law I am entitled to receive but to date have not. 
I know you just randomly purchase debt without even knowing the background of the debt in question, and as I mentioned earlier that I had requested a copy of the bill of sale but also a copy of the letter which by law I was supposed to receive indicating that they were going to sell this debt, to date I have not, only a letter of the fact after the sale occurred. 
It looks like arrogance seems to get in the way for people who think they are above the law. 
The best way to get sued is to attempt to collect this after I have given you the details of the facts, I suffer from XXXX and any pressure from anyone will be handled by my attorney including any damage done to me by you either financially or physically byway of mental pressure.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

The balance on the credit cards have been reduced. The credit card providers indicated that the updates on the card balances were sent to the 3 credit reporting agencies however, my card balances haven't been updated and I need my report to reflect a lower credit utilization since I am applying for a mortgage. The delay in updating my balance is also delaying my ability to apply for a new mortgage.

If I were 30-day late on any credit card payment, the 3 credit reporting agencies would've immediately update my credit report. I am requesting that the credit card balance on 5 credit cards be updated to reflect the lower amount which will increase my credit score.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX XXXX  debited my account twice therefore I disputed with my bank. The next day XXXX  refunded one of the payments. Chase also gave me a credit and reversed one of the payments and stated that the credit would be rescinded On XX/XX/XXXX a chase rep told me an error was made and my money was not going to be returned therefore they said they would do an investigation and refund my money on the XXXX. I called on the XXXX and was told the credit would be applied on the XXXX and to call back claims on that day. When I called back they behaved as if I was lying and tried to not give me my money back. I was hung up on and then ultimately told by a lady from the executive office I can't have my money back unless I let XXXX help me. I explained to her due to FCC regulations she can't hold my money XXXX unless I adhere to her terms. She stated she can because she works closely with the FCC. I explained to her I no longer want to speak to her due to her tone and her demeanor. I spoke to another supervisor who told me nothing will be done and no credit will be issued unless I spoke to these rude women in the executive office. So unless I allow these women to verbally chastise me Chase will not return my money. Please help,
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Also, they should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account also reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

Hello, i received a payday loan. I reached out to see if they abide by the military lending act or SCRA to decrease the interest rates of my loan. Advance America told me they do not abide by those laws, however its a federal law so they are obligated to if Im not mistaken.

I got on orders XX/XX/2023 and i would like every payment Ive made since i left on that date to now to be the correct reduced interest rate for the military lending act. Please let me know if you have any questions.
Consumer complaint received 2022-12-09
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX, XXXX, I mistakenly sent a payment in the amount of {$580.00} to American Express ; I hit the wrong vendor on my online banking bill pay at my Bank. I immediately attempted to stop payment, but payment was via XXXX and could not be reversed, even though the system sends physical checks to all other vendors. I reached out to AmEx customer service and explained, and they said I would be issued a refund check in 10 days. I then received a letter from American Express errantly describing the transaction as a fraudulent charge and request for a charge reversal of {$580.00}. It was neither a fraudulent charge reversal nor {$580.00}. It was an errant payment in the amount of {$580.00}. American Express allocated my payment internally as a credit on an account. There is no account, as it was closed in XXXX and I can not get them to refund my payment they are wrongfully converted to their own use.
Consumer complaint received 2022-12-09
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. (KY)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to XXXX.