davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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: CLGF Holdco 1, LLC (GA)

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agent can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-14
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. (NJ)

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Sent money to XXXX XXXX via XXXX for XXXX XXXX XXXX XXXX. they then sent we this tracking number XXXX to this site XXXX XXXX XXXX. they then demanded over {$500.00} more dollars to release from XXXX. All of it is fake
Consumer complaint received 2021-06-14
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: Bread Financial Holdings, Inc. (CT)

XX/XX/2020 {$38.00} Wrote the corp. informed them that As consumer, the natural person, and the original creditor Pursuant 15 USC 1602 ( g ) my SSN card is my credit pursuant 15usc 1602 ( l ) I understand my SSN is an open consumer credit plan the are violating my rights 15 USC 1666b ( a ) which they are reporting to the CRA a late payment which is a violation They are damaging my consumer report by reporting this false allegations and seems don't care about the law
Consumer complaint received 2019-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (NY)

I have been unable to access my Barclays online accounts despite entering in correct log-in information, including their one time PIN codes. I have tried to resolve the issue with Barclays but ended up on hold and no one picked up. I am not able to access my accounts or speak with them.
Consumer complaint received 2017-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  XXXX  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-12-15
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. (GA)

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

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

FOR THE TIME BEING, THE ONLY INCOME I AM GETTING IS UNEMPLOYMENT BENEFITS AND I HAVE SENT SELECT PORTFOLIO DOCUMENTS OF THE PAYMENTS I GET AND WILL GET UNTIL XX/XX/XXXX. THEY HAVE REFUSED TO ACCEPT THESE DOCUMENTS AND PROCEED WITH ASSISTANCE IN THIS HORRIBLE TIME INSISTING THAT THE ONLY DOCUMENT THEY WILL ACCEPT IS AN AWARD LETTER FROM ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY. I HAVE TRIED TO EXPLAIN TO THEM THAT IDES EITHER NEVER SENT SUCH A LETTER THIS YEAR OR SENT IT BUT PROBABLY TO THE ADDRESS OF WHERE I RESIDE RATHER THAN MY POB THAT I USED WHEN I FIRST FILED FOR UNEMPLOYMENT BENEFITS XX/XX/XXXX.
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today is XX/XX/2019. I went into the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX around XXXX. My friend and I waited in line until about XXXX. There was only one teller available. Another teller came out to help us. Her name is XXXX XXXX. I wanted to deposit my 2 checks into my friends account. She said they are not allowed to do it. She said I have to be on his account. I told her that's not what the Bank of America Policy states. I read the handbook. She said they're not allowed to cash 3rd party checks and that I can talk to her  supervisor. She rang a bell and went into the back and came out with another lady named XXXX XXXX ( The Supervisor ). She told me the same thing that they're not allowed to cash 3rd party checks. She looked into my friends account and said if we do it for you it's as a courtesy. I'm pretty sure she said that from reading a note from a previous problem I have with the other Bank of America branch in this city. That is the reason why I went to a different one because the last assistant manager at the first branch I went to said I'm not allowed to go back to their branch and cash my checks. She said they were going to notate my friends account that I wasn't allowed to cash my checks there. So the same thing happened here at this bank branch. They refused to deposit my checks into his account. The supervisor said I have to go somewhere else to do it and they're not allowed to, but only if they want to as a courtesy. What is going on here with all of this injustice at these branches??!! How is it that a company has legal guidelines to follow in their own policy handbook and does not follow them?! I don't understand this? Why am I being refused when the law states what we should be able to do without a problem. Who is in charge of these banks and what kind of businesses are they running? After they refused me I asked them for their names and that's how I stated them here. I have the paper they wrote their names on.
Consumer complaint received 2022-07-07
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 (NY)

I lost my wallet along with my card around XX/XX/XXXX and I informed my credit card that I had lost it, apparently the card was used to make multiple purchase of a total of : XXXX and I disputed those transactions as fraud. About a month later I receive a letter that I am responsible for the charges because the transactions are something about in accordance with my frequent purchases which makes absolute no sense because I had not even used that card for almost a year and the last thing I did was pay my balance. I made a purchase online of an XXXX which would not be related to anything that was fraudulently bought! I tried to contact Bank of America again and they did not provide me with any solution, I asked them to escalate and investiga properly because their reason so denying my dispute is not valid and I should not be help responsible for this. It seems as if they don't even do a proper investigation and just say none sense to get away from it. Noone provides a solution to this in Bank of America.
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Following a complaint, XXXX XXXX XXXX agreed, in writing, to remove a charge off notation on my credit report files ( letter attached. ) It has corrected with two of the agencies, but Experian has not removed the notation. 

I attempted to dispute online and was unable and have had no success with calling Experian.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the XXXX XXXX XXXX, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (GA)

I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. XXXX  XXXX BAL XXXX {$15000.00} and XXXX XXXX BAL : {$3300.00} On all 3 credit bureaus. 

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (MA)

A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 
2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 
4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (NJ)

contacted equifax that people were trying to apply for credit under my name It was impossible to get this done. 
So far about four credit cards were applied for under my name I haven't applied for any cards
Consumer complaint received 2022-12-15
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. (GA)

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

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 at also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am unaware of the debt with Portfolio Recovery Associates. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If, in fact, you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Portfolio Recovery Associates didn't provide me with any proof that I asked for above because they never sent me anything through certified mail, and they don't have my signature to prove that I received any proper notification from them. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher, but they have failed to investigate or correct the errors as required by law. If the furnisher can't provide the proof I asked for, they need to remove the negative account from the credit reporting agencies they report to. Anything less will result in legal action. Sincerely, XXXX XXXX
Consumer complaint received 2022-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

My wife and I have 2 savings accounts that were with XXXX. XXXX transferred our accounts over to Citizens Bank. 

We recently tried transferring {$25000.00} out of our savings account at Citizens Bank to our checking account at XXXX Bank and we were informed by Citizens Bank that we couldn't withdraw funds even though we had a nearly {$60000.00} balance. All of the funds are seasoned... They are payroll deposits that have built up over time- so there were no recent large deposits with holds, etc. 

When we tried transferring the funds using their online banking feature, we were informed that the cap was {$10000.00} per month. When we called in ( after being transferred over and over again and waiting over a half hour on hold ) we were told that the maximum we could transfer was {$15000.00}. I asked for a supervisor and they told me it would be another 20 minutes on hold. 

I then asked them to close my accounts and they told me that I needed to have a {$0.00} balance in order to close our accounts. I can't have a {$0.00} balance if I can't withdraw or transfer my funds. 

All my wife and I want is our money out of this horrible Bank ( that we didn't even choose to do business with in the first place ) and to close our accounts there.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I applied for a credit card offer from American Express. I confirmed that I was eligible to receive the advertised bonus by meeting the specified spending amount ( {$3000.00} ). I then met that spend amount with legitimate charges. When the bonus didn't post, I inquired and was told the offer had been rescinded " because we can do anything we want at any time ''. Paraphrasing, but darn close. Doesn't seem like a legal, healthy business stance to me. 

I wrote to AMEX via email ( 2 different addresses found online : XXXX and XXXX. I'm not sure which one worked ( one emailed bounced back ). This was on XX/XX/2019. The email did result in a phone call. The message was a firm statement that they can not change this decision. 

I did close a few of my AMEX accounts and may do one more. I thought perhaps I would get over it. However, 6 months later and I'm still disgusted that a company like American Express can get away with this kind of non-sense. I'm interested in seeing that they don't, and to let others know that they do this kind of silly thing. 

I will attach the original email I sent for your review. Much more detail is in there, and I'd be happy to answer any other questions. Thanks for your support.
Consumer complaint received 2023-06-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am apply for my first home loan all three credit reports are showing different account XXXX has Direct Student loans that were removed XXXX. XXXX has removed this. And all the letters I have sent the accounts XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX ) have not be updated to never late. 
XXXX is obligated by the XXXX to report accurate accounting consumer has advised. ALL injuries reported was fraud said company had 4 days according to the LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the injury was indeed authorized by the consumer XXXX has 15 days to provide me with wet ink signature consumer is NOT asking for an e-Oscar  report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company ( listed below ) will be liable under SEC to follow certain rules. XXXX XXXX file number XXXX P XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX I will be filing form XXXX treasury XXXX forms to audit consumers account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer File Not Consumer Report. 

Companies : Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX .... 
Account name USAA SAVINGS BANK Account number XXXX .... 
Account name USAA SAVINGS BANK Account number XXXX ....
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

My wife and I are apparently victims of id fraud resulting from the XXXX Equifax data breach. We have attempted to obtain data from Equifax regarding apparent discrepancies in our data. When we try to access data, they always ask us a ridiculous number of questions that have absolutely have nothing to do with us and then refuse to do nothing for us.Of the three credit agencies, Equifax is the only one that gives us trouble. We believe that possibly someone has given fraudulent personal information about us and Equifax has loaded that false information into their database. We are unable to give examples of the bad data because Equifax has repeatedly refused to provide us with our credit files because we answer their asinine questions wrong. Our credit rating with Equifax is very low, yet it is above XXXX with the other two agencies. My wife was recently turned down for an auto loan because of erroneous data in her Equifax file, yet Equifax was reporting her credit score to be XXXX. This was reported in a letter from XXXX XXXX XXXX on XX/XX/XXXX. A similar letter was received from XXXX XXXX of XXXX SC on XX/XX/XXXX. Ditto for XXXX XXXXXXXX XXXX on XX/XX/XXXX. Fraud alerts were filed with all 3 credit reporting agencies on XX/XX/XXXX, and an ID Theft report was filed with the TPC at the federal government today, XX/XX/XXXX.
Consumer complaint received 2022-07-07
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. (GA)

XXXXXXXX XXXX XXXX IS LISTED NUMEROUS TIMES ON ALL THREE CREDIT BUREAUS. MY CREDIT HAS A FRAUD ALERT AND NO CONTACT WAS MADE TO INTERSECT THE INQUIRES. HAND IN HAND, XXXX XXXX, XXXX XXXX XXXX INQUIRY WAS NOT AUTHORIZED. I AM REQUESTING IMMEDIATE REMOVAL AFTER SEVERAL ATTEMPTS.
Consumer complaint received 2022-07-07
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. (GA)

XXXXXXXX XXXX XXXX IS LISTED NUMEROUS TIMES ON ALL THREE CREDIT BUREAUS. MY CREDIT HAS A FRAUD ALERT AND NO CONTACT WAS MADE TO INTERSECT THE INQUIRES. HAND IN HAND, XXXX XXXX, XXXX XXXX XXXX INQUIRY WAS NOT AUTHORIZED. I AM REQUESTING IMMEDIATE REMOVAL AFTER SEVERAL ATTEMPTS.