davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Plus Inc (FL)

loan with XXXX XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent Annup # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even XXXX serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: International Computer Systems, Inc. (AR)

First Collection Services of XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX sent 2 or more notices in the mail during the year XXXX. It was addressed to me the consumer : XXXX XXXX XXXX. I did not see them until XXXX  XXXX. They provided the following FCS Account # on the form : XXXX. One bill was dated XX/XX/XXXX. Another had the date of XX/XX/XXXX. Both claimed I owed {$150.00} and that the creditor was XXXX  XXXX XXXX XXXX. 

First Collection Services has not provided evidence that they have authority to collect on this debt. They have repeatedly tried to coerce me out of {$150.00} when I never had an agreement with them. I also never gave them permission to communicate with me. What crimes! 

I've sent 3 letters in an attempt to understand what's going on. My letters were sent via certified mail and have the following dates on them : XX/XX/XXXX, Tuesday, XX/XX/XXXX, and XX/XX/XXXX. In their response to the letter dated XX/XX/XXXX, XXXX XXXX ( agent for First Collection Services ) threatened me and used profane language by saying they would ignore any future communications. It oppressed me for over a year. That's why I'm just responding via this CFPB complaint regarding the last letter they sent in XX/XX/XXXX.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

claim # XXXX I am unable to trust them with my financials, I have a {$20000.00} limit and they use deceptive practices to avoid handling a claim seriously, especially XXXX where fraud is being claimed. 

I went to XXXX store on XXXX and checked out on stand # XXXX ( not self checkout ) with an authorized amount of {$56.00}. 

I reviewed my online transactions on XXXX and noticed that there was a charge of {$370.00} at the same store, confirmed by the store # listed. 

I immediately contacted BofA and began the dispute of the fraudulent charge. 

On XXXX I filed an online police report with the city of XXXX ( location of store ), report # XXXX, I filed the police report because someone if possible should be held accountable for the theft/fraud, especially if it was XXXX employees or BofA. I definitely would not file a false police report and be subject to any legal repercussions. When I went to go update BofA of this report #, I saw that the claim was closed with absolutely no explanation nor a resolution. 

It was too late in the evening to contact that department so I had to wait until XXXX. All I received from BofA was an email saying the claim was closed. 
I tried calling BofA cc fraud department to get an explanation and was tossed around XXXX transfers that took XXXX minutes before getting to whom I thought was the supervisor I had been requesting, it was'nt, an hour later no resolution. The rep XXXX refused to give a managers name or contact info, no email available either. I asked for a XXXX to call me back to assure that this would be reviewed, I was advised that no guarantee of a phone call could be made. 

I am left with this almost {$400.00} bill on my XXXX for a purchase I did not authorize. I feel completely disrespected because the claim was closed down within XXXX with XXXX investigation, so do they think i filed a claim fraudulently? Even after the extensive phone call no resolution was reached, and now I have to pay that amount because my payment is due and I do not want a derogatory late payment mark of a balance going over cycle reported to my credit. claim # XXXX
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

There are several charges on my AMEX account totaling {$4300.00} from some company called XXXX. AMEX has confirmed that the merchant can not identify my name, email, company name, or mailing address. In fact, AMEX admits that the merchant only has a publicly listed po box . That hardly confirms that I ever gave my card number to the merchant. I have repeatedly asked AMEX to remove these charges. When I called AMEX to dispute the charge, AMEX discriminated against me. I have called XXXX XXXX, the General Counsel for AMEX and have not yet heard back from her. This has nothing to do with the improper charge on my AMEX account.
Consumer complaint received 2022-02-18
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (MD)

On XX/XX/XXXX, I mailed my mortgage payment to JG Wentworth in XXXX, NJ as I have done the last 4 years without any problems. Since I am less than 200 miles from XXXX, NJ, it only takes a couple of days for them to receive it. Last month, it took 21 days for them to post my payment. Although they waived the late fee, I still paid an additional 21 days worth of interest because they didn't post my payment timely. To stop any adverse action from happening, on XX/XX/XXXX, I mailed another payment. As of today, XX/XX/XXXX, that payment hasn't been posted. I repeatedly called them and checked online for the prior payment. They claim they couldn't find out. They were supposed to be doing a desk check for my payment. It wasn't until I called them on XX/XX/XXXX and threatened to call the United States Postal Service Investigating Unit and the Maryland State Attorney General 's Office on them that they miraculously find my payment. I know JG Wentworth is in bankruptcy ; however, I find their behavior to be unscrupulous.
Consumer complaint received 2020-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (TN)

On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX  and XXXX  that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that Ad Astra should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? 

Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. 

As of XX/XX/2020, I have yet to receive anything via email or mail from Ad Astra to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/XXXX I called to question late fees of {$38.00} from XXXX XXXX. I spoke with customer service. What was found is that since the due date on my account is the XX/XX/XXXX of the month and my payments came in at the end of the prior month the late fees are assessed because it is 2 different months. The bank refused to refund any of the late fees and told me they can't change the due date due to the account being closed. I want the account closed and am working to pay it off but am unable to because of all of the fees I am being charged because my due date just so happens to be at the beginning of the month. I have my payments scheduled for biweekly deductions and 2 to 3 payments are sent in a month. Her resolution was " is there any way you can get paid on the XX/XX/XXXX and just send the payment then ''. In the past year they have charged me {$500.00} or more in late fees due this. The customer service rep has verified that the way I make my payments does ensure that the payment is made and actually gives more payments then necessary however their system doesn't capture in the month it should because the due date is on the XX/XX/XXXX. If I send a payment on the XX/XX/XXXX it will go to that month and I will still be charged a late fee because the month is different.
Consumer complaint received 2022-07-22
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account 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
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Social Finance, Inc. (IA)

Fraud occurred on my account XX/XX/10. I became aware of it that same day when Sofi alerted me and asked if a transaction was made by me and I advised " No. '' Sofi advised they would open a Fraud investigation and it may resolve itself or I'd be contacted within 7 days if additional information was needed from me. 10 days went by and the charges remained on the card and I'd not heard back from Sofi. I contacted them again and was told the investigation was closed but they couldn't determine why. They said they'd reopen the investigation and the process would start over again but they would escalate it so it would be addressed within 1 day. Another 8 days went by and I hadn't heard back so I contacted them for a status update. The agent had no information and Fraud had not yet looked at my account. I'm upset that these charges remain on the card and Sofi has not taken action to investigate. In total I've made 4 calls to Sofi about this issue and received conflicting information each time. Each agent seemed more concerned about getting the call finished instead of resolving the issue.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (DE)

I am writing concerning my experience with XXXX XXXX that is both a grateful thank-you and a pressing request concerning a tradeline in my credit files that I would like to have revised. 

I received my XXXX XXXX credit card in XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX, XXXX and XXXX, I missed a couple payments that was a fault of my own. 

If you look at my history since XXXX I have made 95 % of my payments on time. I do have essential organizational and financial management skills. I desperately need my payment history to reflects that. I wish to thank you for your renewed confidence in me and for giving me positive relationship with XXXX XXXX XXXX that I am determined to keep untarnished. 

I'm about to begin the process of purchasing a new home. It has come to my attention that those few late payments may prevent me from taking full advantage of the best interest rates available. Since those late payments does not reflect my current status with your company, Im requesting that you please give me a second chance at a positive credit rating by revising those tradelines. I sincerely hope that there is redemption at XXXX XXXX, and I plead for such consideration. 

If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. 

I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX
Consumer complaint received 2022-02-18
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. (NY)

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company.They shouldnt have access and that's a violation under the HIPAA Act of 1996 which state, Generally your health information can not be used for purposes not directly related to your care without your permission.
Consumer complaint received 2020-07-28
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Because my information is embezzled, so many account I do not know when to open, I know have no regular bank checking account, any bank in the XXXX XXXX will not open a checking account, I want to ask why, because it is not my own, why do not give me, actually I am a XXXX?
Consumer complaint received 2022-02-18
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. (GA)

The credit card company sent my renewal card to wrong address. My existing card expired. I called the XXXX XXXX XXXX XXXX XXXX and they do not have the account closed. The new card has been reissued to correct addressand should have a a few weeks.
Consumer complaint received 2022-02-18
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. (NC)

I've been disputing these incorrect items on my account for a long time, and the XXXX credit bureaus and the creditor have yet to respond. On XX/XX/2022, I submitted a new dispute with the XXXX agencies regarding various wrong items. Still, I had received no response after a month, and they refused to delete the inaccuracies from my credit report. These faulty items are still trying to collect the following amounts from me : {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inexact manner.
Consumer complaint received 2020-07-28
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: SYNCHRONY FINANCIAL (CA)

XX/XX/2019 XX/XX/2019 I applied for credit with Synchrony and was not approved on the above dates. I was about to reapply and it actually says wont affect your credit score so why was I hit with two hard inquires??
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union is reporting XXXX XXXX XXXX, with an open date of XX/XX/2020 and a last active date of XX/XX/2020. A collection account can not have an open date and a last active date of the same date. I have requested they correct this information several times and still no response.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: North State Acceptance, LLC (NC)

Bought vehicle in 2014. Voluntarily returned vehicle less than a year later due to poor condition and the cost to repair compared to value of vehicle. The vehicle had been repossessed from the previous owner and had not disclosed activity. The company then sold vehicle at auction, then charged off the account. Years after charging off account they updated a new balance on account with a different balance. XXXX  has done nothing to fix this. The company keeps reporting every month that the debt is charged off but a balance remains?
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (MO)

I went in to the U.S. Bank location on XXXX XXXX XXXX XXXX. in XXXX, MO to consolidate two savings accounts. While I was there the banker was extremely concerned that I did not have overdraft protection on my account, and asked me why. I told him it was because I didn't need it, and have no interest in adding it. He kept pushing and asking if he could add it, so I finally said yes in order to get out of there. He said it would take 5 minutes, and I said I didn't want to wait and didn't need this protection. He told me it would actually take just a minute and he was almost done. He had me sign my name on a digital screen, telling me it was to consent to add overdraft protection to my account. Several days later I received an email from U.S. Bank congratulating me on opening my new personal line of credit. I was extremely concerned and initially believed that my account had been hacked. I logged into my account online and saw that I had a new personal line of credit called " overdraft protection ''. The banker never told me that I was opening a personal line of credit, and I never would have consented to opening such an account. At best this was extremely unethical and misleading, at worst it was illegal.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I over paid my Bank of America XXXX card to the tune of {$27000.00}. I have called Bank of America several times and asked for the over payment be returned to me They have made several promises to return my money to me, but have not done so.