davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On Saturday evening XX/XX/XXXX I received an email from Bank of America with the following subject line : Your Mortgage Correspondence is Available in Mobile and Online Banking XXXX Bank of America XXXX XXXX Sat, XX/XX/XXXX, XXXX ] After logging in to my Bank of America Mortgage account I got this message : " Online access ( including payments ) is not available for this account We apologize for any inconvenience. 
For account information, please refer to your paper statement, or call XXXX If we need to send you any mortgage account documents, we'll mail them to the address we have on file for you. '' Bank of America should not be allowed to freeze customers out of their Mortgage Accounts and should not be emailing them that their is Correspondence Available when in fact it is not accessible. 

XXXX XXXX Bank of America informed the CFPB that it answered a complaint that I made and that they sent that answer to me. How am I to access the Bank of America answer if I can not access my account. If Bank of America sent it to me in the mail or via XXXX or XXXX I have not received it. 

In addition to not allowing me to access my Mortgage account to check if the answer to my CFPB Complaint is there, and if there, to read it I also can not access information that is relevant to making a complaint ( s ) to the CFPB. 

Bank of America should not be allowed to block access to Mortgage accounts ( My mortgage is a Countrywide Mortgage that originated in XXXX ). As the borrower / mortgagor I should be allowed to access my account, which includes key documents and account history.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid 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: CITIBANK, N.A. (WA)

Citi Diamond Preferred credit card company isn't resolving my dispute on XXXX Unauthorized charges on my credit card, that were charged in XXXX, and were made without my knowledge. The first time I was aware of any " unauthorized charges '' on my Citi card was on XX/XX/XXXX, when a XXXX rep from Citi Fraud Dept called me. She said there was some suspicious activity on my account and did I authorize a charge from XXXX for {$3.00} on XXXX XXXX in XXXX, XXXX, or XXXX for {$50.00} on XX/XX/XXXX in XXXX, XXXX, or XXXX XXXX for {$59.00} on XX/XX/XXXX in XXXX, XXXX or XXXX XXXX for {$62.00} on XX/XX/XXXX in XXXX, XXXX? I replied, " Absolutely NOT!, I'm a XXXX citizen who barely leaves my home here in the XXXX XXXX! Why would I go to a XXXX in XXXX when I can go down the street to my local XXXX here! ''?? I did not authorize any charges from XXXX! What is really crazy about this conversation with the rep from Citi Fraud Dept on this day is that she only asked me about these four unauthorized charges and she could see ALL the purchases from XXXX! Yes, there were 26 more unauthorized charges from XXXX! Starting on XX/XX/XXXX there were 2 from XXXX, XXXX {$84.00} in unauthorized charges, 2 from XXXX, XXXX {$47.00}. On XX/XX/XXXX there were 4 more unauthorized charges from XXXX, XXXX {$92.00}. On XXXX there were 12 Yes! Twelve unauthorized charges from XXXX XXXX XXXX, XXXX {$350.00}! On XX/XX/XXXX there were 5 more unauthorized charges from XXXX XXXX XXXX, XXXX. I wouldn't be going thru this if this Fraud Rep asked me about ALL 30 unauthorized purchases on XX/XX/XXXX! I didn't see them until I got my statement in XXXX! The Security Investigation Dept at Citi tells me I've been Scammed and Citi does not credit scams they only credit Fraud! Now I ask you smart people out there, " if You are Frauded or Scammed aren't they ALL Unauthorized Charges on your Credit Card Right?? Citi Preferred Diamond Credit Card Company does Not want to Credit my Account!! On Citi Card website they state, " You are protected against unauthorized charges on your consumer credit card. At Citi, you will not be responsible for unauthorized Charges '' Really Citi Card? Can you Please Help me CFPB? I really need to get this resolved asap and I do not want to pay any interest charges or foreign transaction fee which they are already charging me! Help a XXXX out in the XXXX XXXX! I'm sleepless in XXXX because of this!
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX points was deducted on XX/XX/2023. According to XXXX, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (FL)

I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

A private ledgering instrument was sent to AMERICAN EXPRESS Card Services for the account number XXXX, they credited my account for {$10000.00} for payment sent in May and processed the XXXX of payment on XX/XX/XXXX which was the XXXX of payment of {$10000.00} has since been reversed on XX/XX/XXXX over 60 days saying it was declined, I've ask American Express to please return XXXX of payment and documentation of the decline XXXX of payment so that I may address the issue of payment, instead they have kept said XXXX of payment and have since securitized it and no longer possess the XXXX of payment. 
Please see the attached sample of all documents and the need to correct their billing error. I have also instructed AMERICAN EXPRESS Card Services to contact the IRS commissioner if they do not understand what to do with XXXX sent for this account # XXXX. Re : XXXX OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX XXXX XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the XXXX  of payment of {$10000.00}. I also sent an additional XXXX of payment of {$15000.00} and it was received however when I logged onto my online account I did see where they have the {$15000.00} in XXXX and that is also attached, Then I sent a payment by money order of {$15000.00} and that was never credited nor returned. Now American Express has over {$40000.00} in XXXX of payment credits not applied to my account. In XXXX of XXXX, another form of XXXX was sent in the amount of {$40000.00}, hereinafter XXXX, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service, and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said XXXX  of {$40000.00} and the XXXX of {$40000.00} accepted by the IRS to send credit to AMERICAN EXPRESS Card Services. Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has XXXX private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (MA)

XX/XX/ {$80.00} XXXX  {$200.00} XXXX  {$300.00} XX/XX/ {$300.00} Transactions that occured through cash app. It was a scam for a property that was said to be for rent. I had requested a refund through the cash app with no response yet to my concerns. I am concerned not just for myself but for the many lives who have been a victim of fraud.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (IL)

XXXX EQUiFAX XXXX has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries XXXX XXXX XXXX XXXXXXXX
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Made a large check deposit and a hold was placed on check. Check cleared and bank closed account. Asked for a review and provided all documentation of money source and was denied a review after receiving all proof and documents. Spoke with numbers agents who gave different wrong amounts to me as the balance. Said the check was altered from the Department of Treasury, lied and said they were returning the funds to IRS then lied and said waiting for IRS to request funds back and different versions to what was the delay. I asked to have check returned and was denied even after submitted IRS documentation. The IRS says checked cleared and the money is there but bank refuses to give funds to me and closed account without valid reason and did not return ending balance in account. Now Im in danger of losing my business after 3 months of going back and forth and being provided wrong info from each bank representative
Consumer complaint received 2023-10-02
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I used rewards points to obtain gift cards in XX/XX/. They were sent but lost by XXXX. They were reissued but I did not receive the entire order. Two XXXX $ card were missing. I have tried to get these sent on 5 different communications. Latest request was today XXXX XXXX they wanted to file another escalation/ I asked to talk to a specialist and they had me on hold for 30minutes before I gave up. 
Two month ago the said they would restore the points used on the missing cards but they were never restored.

Please stop this kind of incompetence
Consumer complaint received 2022-03-09
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. (AZ)

On XX/XX/2021 I made a payment of {$1000.00} to XXXX XXXX XXXXXXXX XXXX. to satisfy the full amount of what was owed to XXXX XXXX XXXX. I have a letter that I received to confirm the account paid and closed. I disputed this information with Transunion the two months later when it was still being reported as a collection.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I filed a complaint through this portal asking them the following : Equifax credit report pulled on XX/XX/XXXX XXXX XXXX  ACCOUNT : *shows closed and delinquent as of XXXX this is incorrect *shows delinquency first REPORTED is XX/XX/XXXX instead of DATE OF FIRST DELINQUENCY .other two credit reporting agencies have date of FIRST DELINQUENCY XXXX which is correct * Can not even see a removal date so removal date is past tense as evidenced by another page in the same report as COLLECTIONS= YOU CURRENTLY HAVE NO COLLECTIONS! 
EQUIFAX RESPONDED : they say they can not identify me by my full name, address, social security number. Right. 
So they send me a letter asking for all kinds of document copies to be sent through the us post office. I will be sending the identification documents both here and through the mail. I am a XXXX XXXX. Now do all XXXX XXXX have a printer? A photo copy machine, the ability to go to the post office to send a registered mail return receipt which costs more money? I think this is very unfortunate that they are asking for snail mail instead of a convenient upload on a computer. So I am uploading the documents and noting the inconvenience to XXXX XXXX. Thank you.
Consumer complaint received 2022-12-05
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. (MD)

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX Maryland XXXX XXXX : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Equifax Credit Bureau Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name : XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX XXXX
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: Experian Information Solutions Inc. (OH)

I reviewed my credit report and I noticed I had one late payment on an account that I was not late for. I have never been late in my payments for this account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide me proof with statements showing that I was late on my payment. If proof can not be provided I demand this late payment be updated to on time as they should be I was never late. Thank you
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

Many businesses in this age fall back on one clause which boils the blood for all consumers : the umbrella protection excuse. CashApp will restrict, suspend, cancel or even ignore your inquiries on a specific situation and have zero responsibility for explaining why?. This is no different than a parent commanding a child to go to their room, and offering no reason as to why theyre being punished. How are people supposed to learn from mistakes, and grow in their interactions with businesses? This line in the sand has created such anger within our society. It has with me. How frustrating it is to be told I no longer have the paper money deposit ability on my account because it may be that I violated a term of their policy, my account is too new, or my deposit history is. If Cashapp disclosed that after review of my account, the restriction was placed, then there is no reason not to give the purpose. I mean, cause and effect. Some action has caused the action of restriction. this world has an issue with taking responsibility. We plead not guilty when dealing with a XXXX  XXXX XXXX XXXX XXXX XXXX. We speed. We hire those to cheat on our taxes. Is this the direction you want our future to continue? Companies should not be able to instill XXXX restrictions, punishments, or any activity really without an honest reason. Their support should never disconnect from you when engaged in conversation. Its no different than being hung up on
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (NJ)

A year ago Nationwide Credit Inc, violated federal law under the FDCPA the company needs my direct consent to contact me directly regarding an alleged debt 15usc 1692c ( a ). Nationwide Credit Inc, said I owed a debt which is a violation of 15usc 1692b ( 2 ) which they can not! Nationwide Credit Inc, is in violation 15usc1692d. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Stating I owe a debt.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

ERC has reopened a {$75.00} debt collection for XXXX XXXX in XX/XX/XXXX that was previously paid/closed in XX/XX/XXXX. ERC never provided a notification of any ( no correspondence via, email, or phone ). 
Furthermore, the records show this was also closed in XXXX. My credit score has been negatively effected.