davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (SC)

I applied for American Express Gold card on XX/XX/2023. I got a letter indicating that I have been deined due to XXXX XXXX with a XXXX party agency. I was declined due to a credit report from a 3rd party agency information. I have equal opportunity to all opportunities. On XX/XX/2023 XXXX advised that I sent letter to claim rights, title, interest, and equity that were owned to principle at the initial consumer credit transaction, operating under the truth and lender statute and demand to reverse this denial. It is damaging my livelihood. The deinal is a violation of 15 U.S. Code 1691 " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. ". They responded on XX/XX/2023 indicating that the denial stands. On XX/XX/XXXX I sent another letter with the same verbiage as first letter incidating that I can not be deined based upon a XXXX party. i called and advised to reverse the denial and they advised that I would need to have a better XXXX XXXX to get approved which is telling me that applicants with a better XXXX XXXX would be able to get approved which is discrimintion.The I received another letter indicating that there are many factors including information about personal resources and credit bureau information that made them deny me and that the decision is based in part or in whole on information in the credit bureau report. The are in violation of 15 U.S. Code 1691 due to me exercising my rights to credit they have deined me which is discrimination. It is my right to be extended credit per 15 USC 1691a ( d )
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter to the 3 Credit Bureaus to fix 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/202
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX on XX/XX/2020 ( Reported Identity Theft )
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK (TN)

Cadence bank has been approving transactions when I have insufficient funds in my account which causes me to be in the negative and pay overdraft fee. Im not opt in for the overdraft protection so why is this keep happening. I have proof that a reoccurring charge was trying to go through and they declined that one but for 3 weeks now theyve been telling me if its a reoccurring charge that it will process through. I literally have to withdraw all my money in order for it to be safe that is very sad
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX MI XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (KS)

I have submitted numerous disputes to each credit bureau as well as Navy Federal Credit Union regarding a credit card balance. On XX/XX/2023, I sent another dispute with identity theft affidavit and proof to NFCU and each of the credit bureaus via certified mail return receipt. NFCU received the affidavit and letter and proof on XX/XX/2023 XXXX signed by an employee at collection at the post office. On XX/XX/2023, NFCU ignored the affidavit and refused the remove the identity theft related credit card from my credit report and instead only issued a statement that the account is under reinvestigation. 

Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to remove the identity theft related debt from the credit report permanently.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NJ)

Please see attached, I looked at my credit report & saw this account on my report that was inaccurate, I sent out numerous requests to the debt collector and credit bureau to reinvest this account with no success. Im in the process of buying a home for my family & this item on my credit report is hindering me.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account name : XXXX & XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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 2023-08-10
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: CITIBANK, N.A. (NC)

My mother opened a XXXX Credit card account. She wanted to purchase my son a PC and she was unsure if they had the one she wanted at the store where she lives, so she added me as an authorized user so if I needed to buy the PC from the store where I live. She asked me to help her manage the emails and bills so I told her she could use my email and address and I would be sure to help her by letting her know when her payments were due etc... .Next thing you know she is having some financial difficulty and it's my credit report showing past due. I have never gave anything like income a social sec number nothing. I tried to dispute through XXXX Twice and they keep saying I own the account and NO I do not. I just want this off my credit. She had 3 other cards from 3 other retailers and no issue at all because I have nothing to do with the payments or lack thereof, I was just helping her get something for her grandson and now I get to see my credit score drop drop in this economy it's awful. If they pull their contract they should see, she applied and provided her information alone. I wish I could get credit cards without providing my income employment social sec number etc, that would be lovely. This should be so simple and I guess they think because she is having issues paying her bills, they will ruin my credit.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Concern : Questionable business practices conducted by XXXX XXXXwhich facilitate cyber fraud, and require correction to protect all consumers with credit cards. 

Over the past 12 months XXXX XXXX cards that I closed were reopened. In one case the card was charged against, and in the other case it was not. My concern is about what seems to be a new loophole available to XXXX XXXX which permits this practice. 

Here is a brief summary of the details. Please contact me to continue this discussion. 
1. I closed my XXXX XXXX XXXX bank card in XX/XX/2022. This XXXX I renewed my expired XXXX membership and the account reopened. When I spoke to XXXX XXXX customer service today they informed me that in 2022 instead of closing the account the account was archived. They did not know how the account was reopened by my XXXX renewal. 

2. I closed a USAA Visa card due to fraud. This card was used for some monthly donations to non-profits. The non-profits continued to attempt to charge the card, and it was auto-declined for a few months, and then the charges by the non-profits went through. I called the non-profits, and they explained that they had enrolled in a XXXX program that XXXX have facilitated this. 

I am asking for a full investigation into this practice of re-opening closed accounts without the consumer 's permission.
Consumer complaint received 2023-03-09
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. (IL)

we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX  account is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS. 
THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS. 
HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION. 
IAM A VICTOM OF XXXX XXXX BREACH...
Consumer complaint received 2023-08-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (WA)

On XX/XX/2023, my wife made two ACH transfers ( $ XXXX and {$22000.00} ) from Marcus by Goldman Sachs to XXXX XXXX. I'm the secondary joint owner of Marcus saving account and the sole owner of XXXX checking account. XXXX suspects it's a fraud so that they closed the XXXX account forcefully. In order to get the money back, XXXX requires Marcus to send an Indemnification Agreement ( Hold Harmless Agreement XXXX XXXX XXXX ). However, Marcus said they don't have this process and can't do it. 

Now I'm in this deadlock and can't get my money back. I appreciate if you can help us negotiate with XXXX and Marcus and find a way out.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WI)

During the past XXXX months we have fallen behind paying our bills. We have been making double payments in an effort to get our monthly budget back on track. For the credit card company we are filing the complaint against the last time a payment was made was XX/XX/XXXX. The monthly due date is the eighth of the month. On XX/XX/XXXX, a large payment ( {$1500.00} ) was deducted from an alternate checking account without our consent ( Only XXXX of our XXXX checking accounts is used to pay all the bills ). The result was a negative balance and an insufficient funds fee of {$36.00}. We contacted the company and they agreed that it was an unauthorized payment made by phone ( we always pay online ) but it will take a few " cycles '' before the error can be corrected. The problem with this is that we have had a limited income, I have resumed working part-time after a period of inactivity due to circumstances beyond our control, and making payments to other credit card companies.
Consumer complaint received 2024-02-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Solar Mosaic LLC (CA)

My name is XXXX XXXX and i'm an XXXX member. unfortunately i was a victim of solar mosaic scam, they are in bed with construction companies. they gave my loan to XXXX XXXX the loan was for {$75000.00} and took {$46000.00} the took from me cash. this is not okay please have some oversight.
Consumer complaint received 2023-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (NC)

RMP services has sent a medical bill to XXXX before 6 months by the old law but definitely not following the new law passed XXXX XXXX, which states you have 365-days from when the collection agency ( RMP ) has received the original debt XXXX XXXX XXXX XXXX RMP received this debt on XXXX XXXX, the medical treatment was on XXXX. If that is my bill cause I didnt receive an itemized bill from them. RMP turned that medical debt into all three credit companies, XXXX, XXXX and XXXX, on XX/XX/2022 that is two months after they received the original debt. XXXX and XXXX are the only ones reporting this. Ive received out but getting no where. This is really affecting me cause Im in the process of buying a home. I just want my time that by law Im entitled to. Thanks
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have a lot of money in this Bank, doing business with them in excess of 20 years, My phone number has not changed in 15 years. The Bank has taken it upon themselves to deny me phone access and insists on sending access codes to my email account to which I have said NO. 


I talked to a Bank Supervisor and we received double talk, open ended solutions on when my phone would be connected to my account. The Supervisor named XXXX  ) ( phonetic for something like that name ) started yelling at my wife and refused to tell me when my phone would be connected. 

Ok, I am a 100 % XXXX XXXX  Veteran living in New Mexico, beside the handicap I have in just getting around, the Bank of America has made this a living nightmare consuming way too much time and presenting now obstacles to a XXXX Veteran. 

I complained to FTC earlier today about this so below here I have copied that part for your review. 
Please Help Us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New Mexico XXXX XXXX, XXXX XXXX FTC XXXX # XXXX : Bank of America managing my personal Savings and Checking Account has disconnected my phone monitoring service, will not restore it and has basically required me to connect my email account to my phone in order to receive alerts and access codes. I have a lot of money in the savings and checking account. I jave tried to access my account several times by computer and they keep sending access codes to the wrong place ( my e-mail ). I have tried to work this out by phone, my wife XXXXXXXX XXXX XXXX  being present and we escalated to a supervisor who told us flat out they can not tell me when my account will connected to my phone again. My phone number has not changed in over 10 years and i have been a BOA customer for decades. The Supervisor named XXXX ( phonetic, as I had to ask him for his name twice and he stated in the manner of the XXXX XXXX guy, like you can't see my license plate # either. ) began yelling at my wife for her behavior telling her its open ended as to when they will recognize my phone number again. That is unacceptable as I am a 100 % XXXX XXXX  Veteran and I need everyday access without difficulty to my accounts. This Bank has now ruined our weekend and our trust in the Institution. I need your help with this Institution to safeguard my funds and access to them. I am concerned the Bank is conducting a campaign RE : a " phone disconnect program '' because of inherent financial weakness and that I am feeling the beginnings of this. Thank you for your assistance.
Consumer complaint received 2023-08-10
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: Affirm Holdings, Inc (GA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

During the month of XX/XX/XXXX, I opened a Citi Diamond Preferred Account. Due to an introductory rate of XXXX XXXX for balance transfers that expires XX/XX/XXXX, I opted to pay off XXXX credit cards. A balance transfer request for XXXX XXXX XXXX was made on XX/XX/XXXX. I completed the balance transfer online and paid a balance transfer fee. I received an email on XX/XX/XXXX the balance transfer was successfully sent. I followed up with XXXX XXXX XXXX to confirm if funds were received and they confirmed no. When I contacted Citi during the month of XXXX, I was advised I entered the wrong account number and a claim would be open. I did request to complete a XXXX way call with XXXX XXXX, but I was informed additional research will need to be completed first. No follow up was received. I followed up with Citi during the month of XXXX and was told a request to XXXX XXXX regarding the balance transfer request. I continued to check my XXXX XXXX and it still showed a balance of XXXX. On XX/XX/XXXX I contacted Citi and requested to speak to a supervisor. The supervisor advised an internal team will work on my request and multiple attempts were made and XXXX did not respond. I inquired again about doing a XXXX way call with XXXX. I was once again told to call immediately after call to give them authorization to speak to Citi. On XX/XX/XXXX, I received notice via mail that my dispute is open and citi is processing my investigation. My purpose for writing the CFPB is a request to get this situation resolved.