davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have used bank of America since XX/XX/XXXXfor my financial needs so I'm writing you to explain my problem. 

In XX/XX/XXXX, I was physically and XXXX attacked by an intimate partner. He stole checks from me which he wrote to other people. He and the people he wrote these checks to are now in jail. 
This horrible attack led me to a XXXX diagnosis and an inability to work. 
I had a short term XXXX benefit from XXXX which ran out in XX/XX/XXXX. I have been unable to work although I am employed still using FMLA intermittent leave. This has pushed my income to near zero and I've used personal loans to get through it. 

Regardless What happened these last 2 weekends I could not plan for. a friend of mine using my car ended up being in an accident and he ended up getting arrested, this meant that money that I was supposed to deposit into this bank account had to be utilized for bailing my friend out and fixing my car. this meant that i did not have the time or the ability to contact each of these creditors who were about to pull money out of my bank account in order to stop the pulls from occurring. in 25 years I don't think I've had one bounced check NSF fee that wasn't related to fraud or dispute until now. I believe at this point there are 8 NSF fees in the last week all related to this particular event.I 'm hoping that you can remove more based on my situation especially said some of these {$35.00} fees are for charges of {$8.00} and {$20.00} which is it absurd fee to pay on charge that low. thank you for your consideration and concern.
Consumer complaint received 2022-10-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (WA)

I have mortgage with M & T Bank still with my name. 
actually i had divorce XX/XX/XXXX by court order. 
and gave to home to exwife by court order. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX but exwife didn't refinance and used loan with my name. 
also she made quick claim to XXXX XXXX XXXX on XX/XX/XXXX exwife name : XXXX XXXX she gambled and she sold XXXX XXXX to mrs XXXX XXXX XXXX on XX/XX/XXXX new buyer Mrs. XXXX never bring money on quick claim only. 
home value around XXXX quick claim selling amount {$190000.00} loan balance around XXXX same as quick claim amount mrs XXXX made fraud property transaction Mrs XXXX has experience non profit service. 
so she knows how can cheating and quick claim. 
Mrs XXXX still use M & T Bank Loan with my name. 
new loan # XXXX my old name is XXXX XXXX XXXX my new legal name is XXXX XXXX XXXX XXXX and i find out deed transfer to mrs XXXX and still use loan with my name. 
i did complain to m & t Bank. 
bank said can not remove my name on loan. 
i believe fraud transaction that quick claim deed with another person loan. 
please investigate this case. 
mrs XXXX  still owned social service for public. 
XXXX XXXX at XXXX wa
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (VA)

On XX/XX/2019 I sent a letter to Receivables Performance XXXX XXXX XXXX XXXX XXXX, WA, USA XXXX Requesting proof of debt and ownership. The company never responded yet continues to report the debt to the credit reporting agencies. I do not owe the debt and they are reporting erroneous information and refuse to delete it. In addition the company never sent me a letter notifying me of the debt.
Consumer complaint received 2023-05-24
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. (TX)

This charge off account from XXXX is not reporting correctly. I have disputed with all three bureaus and all three come back as verified-meets fcra requirements If they all get the same information from the same creditor then the information should report the same across all three bureaus. All three had failed to correctly verify the information I have asked in all of my previous letters.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (IN)

I do not owe any debt to Southwest Credit Systems , L.P . 

They are a third party debt collector and have damaged my credit under false pretenses. 
I have NEVER did any business with this company and do not have any contractual agreement to pay these people. I have NOT ever agreed to pay southwest credit systems. They do not have any contract with my signature upon agreement to pay them. they have damaged my credit and is in violation of 15 U.S.C. 1681b permissible purposes. I did not give them any permission to report anything on my credit report damaging and defaming my character.
Consumer complaint received 2021-06-03
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. (MI)

XXXX XXXX XXXX is inaccurately reporting my loan payments as 30 and 60 days late and they were not. The amount I paid was paid on time but was more than the monthly payment because my escrow amount changed. I contacted them as soon as I noted the error and each time they told me that it was being corrected. They put my money in unapplied and never credited my account. I continued to call and each time they told me that the account was being corrected. They never corrected the account and actually sent my payments back. I had to deposit the checks they sent to me in my account and then make my payments over the phone. I have documentation from my bank showing that the payments were made on time and also of all my conversations with the mortgage holder. I simply want the inaccurate late payment flags removed from my credit report.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

On XXXX or XXXX of 2018, I called the creditor to inquire on the expiration of the no interest promotion period as I was aware that the expiration was approaching. During that call I asked for an extension and the customer service representative told me that he would extend the no interest promotion for an additional 18 months. The conversation went on for about 5-10 minutes and when it ended I relied on the creditors indication that I didn't have to worry about paying the full balance, which was at that time no more that {$270.00}, in order to avoid a high amount of interest. All my payments since then have been timely taken from my account on auto pay. However, recently I noticed that the balance remains high although I pay {$76.00} per month. I've made one more purchase since then but not enough to keep my balance so high. Because of the shelter at home orders, I had time to call the creditor to inquire. I was told that the extension was never applied and the creditor added a significant amount of interest to my account since XX/XX/2018. The creditor told me that the call with the previous agent I spoke with in XXXX was recorded and they would listen to it to confirm what I was told. I was certain this would resolve because I was in fact told this by previous agent, but the creditor is denying that I was promised an extension. I relied on the promised extension, otherwise I would have paid off the then approximately {$270.00} to avoid the bulk of interest. I was deceived and am now paying unnecessary interest on this account.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, XXXX, and Trans Union several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2021 - I went through the prequalification process with American Express. The website is : https : //www.americanexpress.com/us/credit-cards/check-for-offers/ I received a response that I prequalified and was encouraged to apply. I have attached the response to this complaint. 

I applied and was denied credit. Response attached to this complaint. 

This is a bait and switch activity to get people to apply for the credit card. This is misleading advertising and my credit score took a hit. If I would have never been offered a prequalification, I would have never ever applied.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

During the Corona Virus Pandemic, I was unable to make my payments by phone, or store. Kept stating it was closed. When I finally got someone on the phone in XXXX, supervisor state she would fix everything and reinstate my credit card and credit report if I would fill out a government form stating I was affected by the Pandemic? So I did! 
I also made a payment of {$100.00}. 
Well after I did as they asked, they reported me to all three credit reports companies as 90 days Late, delinquent, and in collections!!! 
As of today, my credit report Dropped 320 puts.!!! My credit report shows XXXX!!! I am so embarrassed. 
Synchrony bank never fixed or corrected my credit report as promised. Never fixed my line of credit either! 
I feel I was discriminated against, taken advantage of, and given False Information so  the bank could collect money from the government due to the Pandemic!!! 
Please help me and stop them from frauding the government and my rights per Credit Reporting.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

One day out of the blue, Paypal limited my account and all they say is that my activity is somehow " suspicious '' without an explanation. Also they are putting a hold on my money for 180 days. At this time I have over {$90.00} in my account and I want my money immediately, not in six months. This is my money and I should have it immediately. To me {$90.00} is a lot of money and quite a hardship that they are keeping it, especially during this pandemic.
Consumer complaint received 2022-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

I've had over 4 loans with Affirm since XXXX. XXXX, Affirm had website issues and was done after they resume service I then started having issue receiving text code to email. They corrected that and I was able to login ect ... My final loan, I had small issue saying unable to verify identity, that was the 2nd time it happened the 1st time ticket was escalated and resolved. I received and email message from Affirm stating suspicious activity contact to confirm identity. I contacted Affirm and explain to customer service 3 separate times and they each escalated a ticket. I did have a current loan out and there was no other activity on my account but the one open. 

Then an hour later I get an email that my account was closed and I contacted Affirm spoke with a supervisor and she placed me on hold several times I guess trying to review the account not sure and she came back to advise me it was closed and she was unable to reopen it. Affirm closed the account for no valid reason. I have had over 4 loans with Affirm and paid all loans off before the final date. 

They had no valid reason to close it, they could not correct their wrong and so they pass the buck to the consumer.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I had several accounts with American Express back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform American Express of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with American Express and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true American Express fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of American Express, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, XXXX, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

It was a XXXX credit that was sold to portfolio recovery in 2019. I have been get harassing phone call everyday since they buy it from XXXX credit. Call everyday even twice a day or more while at work. Now call me under different numbers, I want them proof it was my debit. Because XXXX credit or even XXXX get hacked. But I try to settle the the debt for less. They refuse it 3 times in one day. I said they use their harassing phone call be a XXXX dollar a day, of course they did not hear that. The debt is XXXX dollars.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

I tried to access my Experian free annual credit report on XX/XX/2020 and XX/XX/2020. I am unable to receive my free annual credit report online. Both times, I received the following error message. 

" A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' This message is too vague and I do not have the option to work with Experian to research or resolve the " condition ''. There is no contact information such as a phone number, email address, or mailing address. 

I had no issues obtaining my credit report from the other two agencies.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (OH)

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX* MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Monarch Recovery Holdings, Inc. (NJ)

On XX/XX/2019 I reviewed my consumer credit report and seen various XXXX XXXX XXXX inquiries I called XXXX to report that I don't have any XXXX  XXXX credit cards open nor have I recently applied for a XXXX XXXX credit card. The customer service associate provided me with very little details about the account she did mention that the account I am questioning is a business credit card closed with an outstanding balance she referred me to a collection agency called Monarch Recovery Management , Inc to discuss my concern further. 
I reached out to Monarch which is a collection agency they was absolutely no help with the reason of me calling which is to discuss this XXXX XXXX XXXX Credit owned by XXXX XXXX.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (OH)

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel XXXX  and TRANSUNION did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe XXXX $ XXXX XXXX XXXX XXXX