davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

American Express allowed a hacker to access my savings account and change my password thereby locking me out. The hacker then changed my email to their own and I no longer received statements as AMEX then sent them to the hacker not me. I did not find out about this until XX/XX/2022 when I tried to access my account as I needed my money for upcoming bills. When I tried to access my account, I found that my password no longer worked, and I was locked out of my own account. I IMMEDIATELY called American Express and we determined that my account had been hacked as per above. The hacker opened an account in my name and then transferred all my money into this account and then subsequently into his own at account XXXX XXXX XXXX. AMEX promised they would have this all resolved within XXXX - 10 days and if not the money would be replaced into my account until they have so I could pay my bills in the meantime. Their own website states that account holders are only responsible for the first {$50.00} if unauthorized transactions are reported within XXXX business days after learning of the loss, which this clearly was ( as it was reported to the listed AMEX phone number within XXXX minute ). It has now been over XXXX XXXX weeks, and AMEX seemingly has still not made any progress or honored their commitment after numerous calls by me and numerous unanswered calls/voice mails..., leaving me with a list of bills to pay and no readily accessible funds to pay them with. When I do get through to someone, they tell me how small the AMEX fraud department is, and that they are just overwhelmed with fraud complaints and that they will eventually get to mine. I must say that their representatives have all been very kind and seemingly understanding on the phone.
Consumer complaint received 2023-06-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}.
Consumer complaint received 2021-12-09
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (KS)

Experian notified me that there was a credit inquiry made by someone that I didnt recognize. They claim to be the US sm SBA admin ODA and there was even an 800 number associated with it. ( See attached screen shot ) I called and could tell immediately it wasnt the real SBA. They answered the phone SBA and immediately asked for my social. They even transferred me to a so-called fraud department. The inquiry was made today, XX/XX/XXXX. I have notified all three credit agencies and put a freeze on my account. I am just reporting this so you know someone is posing as SBA And Using stolen Social Security numbers.
Consumer complaint received 2022-07-21
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. (TX)

I previously wrote to Equifax to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute the following public record Transunion has REINSERTED on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), when an item is disputed and removed, the Credit Reporting Agency has FIVE business days to notify me of the reinsertion in writing. These accounts were disputed directly with Transunion on XX/XX/XXXX deleted on XX/XX/XXXX and reinserted sometime XX/XX/XXXX- XX/XX/XXXX.

To date, I have not received correspondence in writing  from Transunion indicating that the below listed accounts were reinserted on my credit report. Therefore, I am requesting these items be permanently deleted. Enclosed are copies of my drivers license, social security card, credit report with the items circled. Please investigate this matter and delete the disputed A copy of this complaint has also been sent to Transunion via certified mail.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (MS)

I sent a debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (TX)

I had a account with Chime bank for years I had my XXXX direct deposit into the account they close the account and said they wasnt giving me the funds. Only way I could get the funds if the state requested it.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (SC)

I am filing this complaint against this company because they have been violating me as a consumer and original creditor. I have been sending this company mail with a cease and desist letter which means that they shall not communicate with me about a debt directly or indirectly and they are still reporting my information to reporting agencies. I have sent them the violations of them and they have never responded to me or have they given me my specified remedy but they always respond to the reporting agencies when I ask the reporting agencies for an investigation. I am filing this report and I am also going to the Federal Trade Commission to file a complaint as well. I am very frustrated the way they have purposely ignored my demands and are affecting my ability to obtain household goods. This is a new complaint and they may try to mark it as a duplicate and it is not. 

THIS iS NOT A DUPLICATE!!!!
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I was open a American express green credit card account on XXXX, however my credit card account was cancelled by AmEx fraud team by XXXX, they still charged my {$150.00} annual fee as I just use credit card for 11  days. I paid off all the money which i spent, and asked they refund the annual fee for me, because i just used for 11 days, that is not make any sense.
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NCB Management Services Inc. (KY)

Nbc management service for XXXX XXXX XXXX. XX/XX/16 {$6900.00}. I had taken a scam check to my bank XXXX XXXX. I was told it was a scam. Also i currently have a bank account with them currently. So thete is some type of mistake.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX 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
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (MN)

On XX/XX/XXXX, and XX/XX/XXXX, I initiated 2 disputes with US Bank for services with XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. The dispute of the rental car company charge was due to poor service, while the XXXX XXXX dispute was due to the airline 's failure to fulfill its advertised refund promise due to Covid. 

On both occasions, US Bank used up the full month processing time, only to choose not to pursue my disputes any further and instead send me correspondence stating that they choose to stay out of my dispute with the merchants named above. Given that I had already exhausted all attempts of connecting with these merchants, I thought the bank would fulfill its obligation to support me as a customer, but they had no interest in facilitating any discussions with the merchants on my behalf. 

On the other end, when US Bank had questions on a credit card payment I made ( money I paid the bank on my account ), they simply suspended my account without any notice whatsoever. I was left trying to use my card for several days, wondering why it kept getting declined. It took me multiple phone calls and hour long hold times to finally learn that the bank had suspended my credit card, simply because they could not verify the bank account I had used to pay my credit card bill. Yet, they had failed to call, or send a letter, text message, or email, to notify me about the suspension. 

I submitted my complaints to the bank, and have since closed all of my accounts, but I wanted to escalate my complaint by submitting it to the CFPB as well. 

Thank you, XXXX
Consumer complaint received 2019-03-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have contacted Navient numerous times to negotiate a lower payment. I just neeed a lower payment for a short amount of time and they did not care. I offered to pay {$600.00} of an originally $ XXXX/mo student loan payment and they would not budge. I called my other loan company ( XXXX ) and they lowered my payment by 75 % a month for a year to help me get back on my feet. Navient is nothing but a predatory loan company that does not care about their customers.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus XXXX dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

XX/XX/2018 I sent a certified letter signed receipt to XXXX XXXX  asking that they VALIDATE OR REMOVE a collection item from my credit report. I specifically asked for an original copy of a signed copy of the original contract binding me as owning the debt and not a bill. verification and validation is not the same all they sent me was a copy of a bill which doesn't validate
Consumer complaint received 2018-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (CO)

For the past year a debt collector has been calling me from numbers that change every 2 or 3 days. The name always shows up as " V '' followed by random numbers. They never leave a message. The one time that I answered the telephone the caller identified himself as a debt collector for a payday loan place. That loan occurred around XX/XX/2016. Attempts to block these calls fail because the name and number calling me changes every 2 or 3 days! The numbers calling me include : XXXX ; XXXX ; and XXXX.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (TX)

HERE IS EMAIL SENT TO SETERUS CEO XXXX ; XXXX XXXX -I have tried for the last six weeks to pay off my mortgage but keep having checks sent back to me and wrong amounts and a XXXX XXXX XXXX telling me to call whomever y=the XXXX I want to call? 

I have had a Equity Accelerator program and did not know that the last payment had to be made in certified funds as I am not XXXX and would appreciate a courtesy call before I take legal action and write about this in over twenty publications across the country? 

Your company has returned two checks from XXXX XXXX and have messed up my credit and charged late fees which I believe should not be charged as I have tried to resolve this for the past six weeks??? 

My cell is XXXX and would appreciate a courtesy call? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I am a target of predatory lending practices form my loan company, Freedom Mortgage. I have recurring bi-weekly payments through this company, and they are charging me an NSF fee for a payment that cleared their system on XX/XX/18. The payment shows it cleared my bank account on XX/XX/2018. I called and requested a review of the fee as the payment never bounced, and both their system and my bank account show the payment cleared as scheduled. After reviewing this fee they are now telling me I need to provide them additional documentation showing my bank account balance from the period of XX/XX/18 through XX/XX/2018. This fee is completely bogus, and they have even admitted that the payment shows it clears on their end. They are attempting to make me clear hurdles and jump through hoops to rid myself of this unnecessary fee. I am concerned that this predatory practice of tacking on bogus fee 's and then requiring the consumer to provide documentation to show otherwise is likely being perpetuated on other customers of this company. I fortunately keep good records, and will be going to the bank tomorrow to obtain the documentation they are forcing me to provide, however I'm certain there are other 's that may not have the same record keeping and may be forced to pay this fee to the company to avoid it snowballing or creating delinquencies. I would like the CFPB to investigate this practice from Freedom Mortgage, and ensure that this fee extortion comes to an end. Again the payment has not bounced, theres no indication in there records that shows the payment bounced. I am happy to provide both my banking statements as well as my mortgage payment history to verify this information.
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (MN)

BMO Harris will return my check and charge {$36.00} on first attempt and then in the second attempt they might pay it and charge another {$36.00}. This happens while balance is the same so they are intentionally siphoning {$36.00} two times. If they were going to pay it then they should have on the first attempt. Another strike against the worlds third biggest crooks after insurance companies and casinos ... BANKS! XXXX is taking the banking industry over, take a look at the lines at BMO Harris vs XXXX XXXX XXXX. 

Also, a BMO representative inform me that a third party actually pays the check! So BMO has the check paid and they still charge customers {$36.00}, {$72.00} and so on. They can do it because nobody governs them NOBODY! Banks are above the law and they know it. Consumer Financial Protecting Banks CFPB is more like it ...
Consumer complaint received 2018-10-11
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: SYNCHRONY FINANCIAL (CO)

Synchrony Bank ( JC PENNEY ) just called me and some foreign guy says that they have turned me over to the Credit bureaus for being 38 days past due. I AM NOT 38 days past due. I made my XXXX payment and my XXXX payment was not made due to a loss of income. I am only 14 days past due but this XXXX said that I have been turned over as 38 Days past due. I advised that he can not turn me over when i am not 30 days past due. This guy now has me concerned that JC Penney is trying to ruin my credit by reporting FALSE information to the credit bureaus. They can only report me for being 30 days past due from the date of 30 days past due from the due date of my payment. This company is a sham if they have done this.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (NY)

Account is as follow ; XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX Canceled debt income '' often referred to as canceled or forgiven debt is something anyone who has debts unpaid, but not gifted, should be concerned with. The IRS considers this income. Income Is not apart of the consumer report. In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights 1. 15 USC 1681 section 602 A states I have the right to privacy. ( a ) IN GENERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an NO OTHER : ( 2 ) in accordance with the writing instructions of the consumer to whom it relates. Did I give you written instruction to furnish this account on my credit report? 2. 15 USC 1681 602 A It also states a consumer reporting agency can not furnish a account with out my written instructions. 3. 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. After reviewing XXXX XXXX I got a notification that accounts have been removed a few days later I notice is still on my consumer report. I also attached an FTC report and XXXX Tracking receipt that was mailed on XX/XX/2022.