davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK (TX)

I opened a checking account in XXXX, XXXX using a promotional code that XXXX XXXX XXXX  emailed me ( XXXX ). The promotional email ( saved and available in my email ) offered a {$300.00} cash bonus after meeting the following terms and conditions : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX ... Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. If you meet all of the requirements and your eligible personal checking account remains open and active, we will deposit the earned bonus into your new personal checking account no later than XX/XX/XXXX. '' I completed all required tasks by XX/XX/XXXX. The email stated that the bonus would be paid by XX/XX/XXXX, which has long passed. I called the company at the end of XXXX and was met with a customer service agent who promised that the bonus would be paid in XXXX. That passed and I still received nothing, so I called the bank again. This time, I requested a manager and again was met with poor attitude and a general unwillingness to solve the problem. After a lengthy wait on the phone, the manager tried claiming that my {$300.00} bonus would not be paid to me in XXXX because of the clause in the terms : " Limit of one new consumer checking-account-related bonus per household per calendar year. '' I tried to be kind and calmly explain that she was in error, and encouraged her to evaluate the dates in question. My husband opened a XXXX XXXX checking account in XXXX of XXXX, met the terms of his bonus by XX/XX/XXXX, and was paid his bonus in XX/XX/XXXX. Clearly, that doesn't violate the terms, since I opened my account in the exact same sequential timing one year later. It appears obvious that the real issue is poor customer service.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an investor and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX Phone : XXXX XXXX  XXXX  Experian Account # XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: JPMORGAN CHASE & CO. (LA)

To whom it may concern, I need your help, as I tried to do this on my own by contacting the companies that have my name and account number, which I have never applied for.

I am an identity theft victim and have tried to file an FTC report as well regarding this matter.I even filed a police report.

I have no idea whoever applied to any service under my name. I never shared my information with anybody either.

Is it possible to grab the contract that they claimed I applied for? Because I never did that. 
Your help will be highly appreciated. 

XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (OR)

My loan was sold by United Wholesale Mortgage to XXXXXXXX XXXX XXXXXXXX XXXX. I was accepted and enrolled in the VA mortgage forbearance mortgage program. The loan number was XXXX with XXXX. I was awaiting documents which never came for me to sign and put the two allowed skipped payments at the backend of the mortgage. I made 12 attempts to contact UWM and left voice mails each time. I refinanced via the VA streamline loan program with XXXX XXXX on XX/XX/2021. Know one ever contacted me via the US Mail or telephone telling me that XXXX XXXX was now my loan holder. When XXXX assumed my new mortgage in XXXX of XXXX the program allowed me to differ the first payment to XXXX of XXXX. XXXX XXXX XXXX shows me late on national credit reporting for the months of XXXX XXXX and XXXX of XXXX when no loan was with them. UWM the parent organization will not correct that error and will not admit that the loan documents that they claim sent were ever sent by them. They accepted me into the forbearance program and the payments of the program were made to them and their own records reflect those payments. Therefore I want UWM to notify the credit reporting bureaus that no late payments of any type were incurred by them and I want the records corrected to show no late payments of any kind especially for the months of XXXX through XX/XX/2021.
Consumer complaint received 2018-03-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (NC)

Planet Home Lending continuing to give me a hard time about the mortgage. I called recently, and asked about how much it would be to do a PAYOFF. As I had a buyer interested in the property. They had already begun preforeclosure. 
I was told I simply had to fax them a letter stating I would like a PAYOFF quotation. That was on Friday. Today, I called to get the quote. They said it takes 3 to SEVEN business days to get a quotation. We go to court on the XXXX for the foreclosure hearing. 
Ever since I became the administrator of the estate, Planet Home Lending has tried to foreclose on the house. 
One time, they took money out of my account and put it back in the next day so they could later say I was behind on my payment. Also I got behind on payments, they said they would work with me. They sent me a form to fill out, but DOUBLED the monthly premium. saying I had to pay that amount BY LAW, to cover lawyer fees. I asked them to extend the payment out, but they said BY LAW they could not, I tried to pay the DOUBLED amount but could not. They began the foreclosure process.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2020, I received a letter from BB & T notifying me that my checking account will be closed and the remaining balance will be refunded to me via mail. I think it is good since I am going to a state that does not have a BB & T branch. 

In XXXX and XXXX, I received the statement of the checking that should be closed and found I was charged about {$10.00} every month for maintenance fee or low balance. 

I immediately called BB & T about this issue. However, all the representatives told that they are unable to do with this, and gave me the number of fraud department and branches. I tried to call those numbers and just went cycle between these three departments. Or the representatives required me to go to a branch. But I am in a state that does not have a BB & T branch. 

Really tired. I spent tons of hours on phone calls, every month when I received the terrible statements.
Consumer complaint received 2021-12-06
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. (PA)

Equifax failed to do a proper investigation once again with the XXXX account after I submitted a complaint. The account should not be reporting on my credit bureau. I did not authorize them to report it. They updated this account again incorrectly.
Consumer complaint received 2020-07-25
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TX)

I have informed XXXX XXXX to stop contacting me during hours after XXXX and beforeXXXX XXXX. I have received at lease 20 called even after I told them on the phone to stop contacting me.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?
Consumer complaint received 2018-08-01
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. (MD)

From XX/XX/2014 through XX/XX/2014, XXXX  is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.
Consumer complaint received 2018-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NM)

On XX/XX/2018 I was locked out of my Coinbase.com account. This happened for no reason and I have called the company multiple times with no resolution. Coinbase customer service themselves admitted that it was a " mistake '' and shouldn't have happened. However, 4 months later my account is still locked and they will not unlock it. I can't even speak to anyone other than a general customer service rep who states the same rehearsed lines. I have called them 5 times, emailed numerous times and can not get any form resolution to my problem. My {$3900.00} dollars has been locked up, or may be gone completely, they can't even confirm, for over 4 months with zero help from them.
Consumer complaint received 2021-12-06
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 THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion verified a collection account on my credit report as being accurate. I sent a letter requesting the method in which they verified the letter on XX/XX/2019. They sent a letter on how to read the re-investigation back on XX/XX/2019. This was not what I requested they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX , am writing to address significant concerns and harm being caused related to potential violations of the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S. Code 552a ). XXXX XXXX XXXX and the credit reporting agencies Experian, XXXX and XXXX are not adhering to these standards. Citing 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Citing 15 US Code 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) the term Consumer Report does not include any report containing information soley as to transactions.

Furthermore according to IRS law, a charge off is considered a certificate of indebtness and is considered income and therefore can not be reported.

If you decide to not update my account then I will be forced to enforce my rights under 12 CFR 1016.7 stating that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported a collection on all XXXX credit reporting services in XX/XX/XXXX from an alleged debt owed from a apartment complex that I moved from in XX/XX/XXXX. I disputed the account and XXXX was the only XXXX to remove. I then sent a debt validation letter to said company on XXXX XXXX and my XXXX day notice to vacate form from said apartment complex and after not receiving any answer, I sent another debt validation letter and the vacate form again on XX/XX/XXXX to which National Credit System refused to answer again. This company has single handedly dropped my credit score XXXX points which has caused a snow ball effect with some of my creditors either dropping my credit limit or closing my credit card accounts.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX is reporting old information to Experian that the other two bureaus have already removed for it being old information. I disputed with both XXXX XXXX XXXX and Experian but it still remains on my Experian account and is hurting my score by about 100 points.
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio America Asset Management, LLC (IN)

On XX/XX/XXXX they were sent a letter by certified mail asking for 2nd request of varication of debt to which they have not responded to as of yet. On XX/XX/XXXX they were sent a certified letter stating how to contact me and have ignored to date of this complaint.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My Bank of America debit card was used fraudulently on XX/XX/XXXX. I was alerted the day it was used as suspicious activity and quickly called the bank within a few hours of the transactions to let them know whomever was using the card was not me and did not have authorization. They opened a claim the # is XXXX it is for {$350.00} used at a XXXX in Kentucky. I currently reside in XXXX XXXX Missouri. They credited my account on XX/XX/XXXX. On XX/XX/XXXX they closed the claim as unable to pay. I have called to reopen the claim and follow up on it multiple times. They are now simply saying it will be reopened and assessed however they have not given me the funds, nor have they gave any indication that they would give the funds. To my knowledge I have not used any XXXX with any frequency in the history of my account with bank of America. I frankly don't even know if they exist in my home state.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (VA)

American Express never told me there was any sort of limit to their extended payment option. In reliance on that option, I made some large purchases. To my surprise and horror, I received a minimum payment bill for over {$9000.00}. As I am XXXX, my options for customer service are online chat, email, or fax. I do not use TTY or voice telephones. On American Express online chat, I was told I was at the limit for extended payment and there was nothing they would do for me about breaking up the huge payment unless I use a voice telephone. Upon further escalations, I was told they have TTY available and that's all, unless I provide my personal information to another person and allow them to contact on my behalf. That is a discriminatory and demeaning option which I rejected. I was informed the ONLY ability to contact anyone who could help me is telephone or TTY. Later, they told me I could write US Mail and gave me an address. 
As the payment is due XX/XX/XXXX and it is now XX/XX/XXXX, that option will not work. 

This is not the first time American Express has refused to offer alternative communication routes for XXXX customers. In XXXX, when I found my interest rate had been raised despite my payment being returned due to an identity theft incident which I had disclosed to American Express ( and for which I have police reports and other documentation ), they also refused to assist me except by voice telephone. 

As an aside, during the chat conversation, as you can see in the transcript, their first associate, " XXXX, '' provided me with another customer 's PII. Ironically, when I asked for an official transcript of the chat after I had escalated twice, the supervisor told me they could not provide me with a transcript for privacy reasons. When I waived privacy rights, they still refused to give me a copy. Luckily, I was able to capture the transcript from my browser and cut and paste it into a file. 

As you can see from the transcript, American Express discriminates against XXXX people in that they will only offer certain services to individuals who can use voice telephones.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clear Recovery, Inc. (NM)

On XX/XX/XXXX, I purchased furniture from XXXXXXXX XXXX XXXXXXXX online. They charged my Credit Card through XXXXXXXX XXXX  My furniture was delivered. Several strange transactions happened during the week of XX/XX/XXXX, the company would charge my account and then take the charge off. I was very confused about what was happening. However, since I had my furniture and was very busy with work I moved on. 

In XXXX of XXXX, I was contacted by XXXXXXXX XXXX XXXXXXXX. They said that during an audit they made a mistake and I was undercharged. I told them that was between them and my XXXX Credit Card Company. I contacted XXXX and was informed that XXXXXXXX XXXX XXXXXXXX had 120 days from the date of purchase to report any errors. I am in good standing with XXXX and the rest of my credit. 

XXXXXXXX XXXX XXXXXXXX sent their problem to a collections agency, Clear Recovery. Clear Recovery sent me a letter demanding the money. I told them no, that XXXXXXXX XXXX XXXXXXXX is responsible for the error and they use this as a learning tool. Clear Recovery requested a screenshot of my Credit Card transactions from XX/XX/XXXX. I told them no way and that if XXXXXXXX XXXX needs a screenshot of my Credit Card on the transactions that were completed on XX/XX/XXXX, they have an accounting problem. I did offer to give them the XXXX reference numbers of the transactions but neither XXXXXXXX XXXX nor Clear Recovery wanted those. I am sure that since the 120 maximum days to report errors to XXXX have expired that this would not matter. 

I do not use XXXXXXXX XXXX XXXXXXXX for credit accounts nor will use them to purchase furniture ever again. Please give me relief from XXXXXXXX XXXX  and Clear Recovery so can move on with my life.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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