davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX  90 days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 60 days past due as of XXXX XXXX  30 days past due as of XX/XX/XXXX, XX/XX/XXXX The company has not removed anything
Consumer complaint received 2022-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Card Number XXXX XXXX XXXX XXXX XXXX friend XXXX XXXX agreed to collect my mail during two back to backs trips out of the country. He is a friend of the family and agreed to do so. I collected my mail from him on XX/XX/XXXX and was surprised the card was not in my mail. I checked online banking and saw over {$5000.00} on a replacement card from Bank of America I had never received. 

After reviewing the charges, I had a pretty good idea that the culprit was XXXX. As many of the charges were made in person around his house. When I confronted him about this he at first denied it but then I showed him the charges and he admitted that he had been in the financial bind and use my card without my permission. It seems like he also used my phone to make purchases without my permission. 

XXXX didnt have the ability to pay me back and honestly I dont expect him to. I told him I had to file these charges is fraudulent and file police report. He was very upset by this and I havent been able to reach him since and he appears to have left of temporary housing in XXXX, Co. 

I reported all this information to the police and Bank of America. I was issued a provisional credit by Bank of America, but recently was rebelled for these charges as I lost the dispute. I called in to better understand why I lost, and the answer makes very little sense it says my card was used in person for many of these charges or someone that I know or myself used it. It seems ridiculous because Ive already told you someone that I know used it but he did not have my permission. I also asked them to wait to return the provisional credits until in the hopes that I can get a statement from XXXX. I am not satisfied with Bank of Americas reply its very clear what happened here and I think they didnt properly investigate. I have asked to be sent copies of the receipts that clearly will not pair my signature and have not received anything yet other than a letter of denial. This is not acceptable. This fraud and the perpetrator isnt anonymous. I am going into a no phones month long XXXX XXXX  and will not be able to respond until XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I opened an account with Ctiizens Bank with a promotion that promised to post a {$200.00} bonus credit to account within 90 days of an eligible direct deposit that posts to the account. Such an eligible transaction occurred on XX/XX/XXXX. However, the promotional bonus was not posted within 90 days, and instead was posted on XX/XX/XXXX. I was charged " overdraft '' fees three separate times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I never signed up for overdraft protection with this bank, and my account balance would not have gone below {$0.00} had the bank posted the promotional bonus as per the terms of the promotion.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

I filed a complaint last year with the CFPB regarding an erroneous account on my credit report. The CFPB never received a response from the company. This account is still reflecting on my credit report and it is a fraudulent listing. It is now affecting my mortgage qualifications. I am writing the CFPB to help with the violations on the FCRA against XXXX or to help with getting the fraudulent account delisted from my report.
Consumer complaint received 2022-04-12
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)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-12-21
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. (AZ)

My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.
Consumer complaint received 2018-12-21
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. (AZ)

My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/19 I paid {$29.00} to my credit monitoring account to review all three credit bureaus and became aware that there were significant fraudulent accounts on my credit reports. After reading my rights as a consumer in the Fair Credit Reporting Act, I typed and signed a dispute letter accompanied with an Identity Theft Affidavit by the XXXX XXXX XXXX  as well. I sent all three letters and their contents to all credit bureaus, XXXX, Equifax and XXXX XXXX onXX/XX/19and I confirmed all three bureaus received them on : XXXX   Tracking : XXXX DeliveredXX/XX/19 XXXX XXXX Tracking : XXXX Delivered XX/XX/19and Equifax tracking : XXXX XXXX  delivered. I know I have to give the credit bureaus legally 30 days to investigate and process, however it is nowXX/XX/19( 40 days since the credit bureaus received my packages ) and I paid another {$29.00} to my credit monitoring accounts only to discover that NONE of the disputed accounts have been removed from my credit. I am writing to the Consumer financial protection bureau to assist me on this issue and correct it as soon as possible.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (PA)

I paid my mortgage monthly by phone 4/3 years last year around XXXX the mortgage company did not collect my money from my bank as usual it did not contact my bank it did not apply any money to my account however they claimed that the money was sent back to the bank but the bank has no record of that happening I made the phone call as I was supposed to supposed to they did not request the money from my bank and they posted me as being late in my mortgage and held back money that should have been applied now they reported me to the credit bureau I have a XXXX credit score and it shouldn't be that low I did not do anything to deserve this XXXX XXXX is the company I'm talking about they service my property at XXXX XXXX XXXX XXXX XXXX Florida XXXX I've contacted the company and they have ignored my situation I have the records that prove my claim
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (FL)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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. (SC)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, and 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 2016-11-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I closed my Chase Checking Account over the phone almost 2 months ago and still have not received my account balance check in the mail. I want my account balance returned to me in branch. 

I closed my Chase checking account over the phone on XX/XX/2016. The number I called was XXXX. As of closing date, I had a remaining balance of {$2400.00}. I was assured over the phone that I would receive a check for that amount within 14 business days. 

I had still not received my check by XX/XX/2016, by which point 14 days had elapsed. I called in to inquire regarding my balance check. Chase assigned a research analyst named XXXX ( tel : XXXX ext XXXX ) to my case. XXXX called me on XX/XX/2016 and told me to go to a physical Chase branch branch to sign an " affidavit '' to have the check reissued. 

I go to my branch on XX/XX/2016 and spoke to an employee named XXXX XXXX ( tel : XXXX, email : XXXXXXXXXXXX ). He had no idea what affidavit I needed to sign. I called XXXX and she did not answer. After I sat in XXXX 's office for 3 hours while he called around, he gave me a National Account Closing Request form to sign. I sign and have it notarized and he faxes it in to XXXX on the same day. I have attached a copy of the form. 

After XXXX faxed the affidavit in, he told me he is unsure if he is allowed to reissue the check. After hearing nothing from Chase, I called Chase again at XXXX on XX/XX/2016 to inquire about the status of my check and spoke to a manager named XXXX XXXX in Ohio. She tells me the branch should mail me the check, but that she has no way of confirming if the affidavit was received and when it will be reprocessed. 

On XX/XX/2016, I went back to the branch and spoke to Branch Manager XXXX XXXX XXXX ( tel. XXXX, email : XXXXXXXXXXXX ) to attempt to get the situation resolved in branch or at least get some indication of when it would be resolved. She calls in to the Banker 's Support internal support line and spoke to " XXXX '' who assured us that my check was mailed out on XX/XX/2016. " XXXX '' was unable to provide a tracking number or check number for this replacement check. As of XX/XX/2016 I have still not received my check.
Consumer complaint received 2022-04-12
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. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gordon, Aylworth & Tami, P.C. (OR)

I was originally set up with a payment arrangement with the Attorneys office that sued me back in XXXX or XXXX. I was in an XXXX XXXX with a husband that also XXXX XXXX XXXX along with a XXXX that was XXXX. I do not remember being served by this company. Fast forward I received a garnishment from the Attorneys office. Fast forward to XXXX i get into an agreement with them to pay off the debt. They stated that they sent me multiple letter stating I was going into default. I never received any letters stating this until I received a letter on XX/XX/XXXX that they did not receive my XXXX payment and to contact them regarding the matter. The letter was written on XX/XX/XXXX and mailed on XX/XX/XXXX. XXXX days later. Call and try to make arrangements from them and they are stating that they all ready sent a writ of garnishment due to faulting on the debt. Now they are wanting me to pay more than what was originally agreed to and keep adding interest on to what I owe. I have been going through health issues due to possibly having a XXXX, needing to find a Dr due to possibly being XXXX  and XXXX XXXX XXXX. When I tried to speak to them that paying almost XXXX a month is going to cause me not to eat and barley survive they did not care. Mind you I was going through health issues at the time it happened. They also lied and said i was on multiple payment plans with them which I wasn't. Then tried to lie and say that they talked to me multiple times regarding this which I only spoke to them back in XX/XX/XXXX. They tried to say that they spoke to in XXXX of this year which is not the case. They lied and said they mailed out multiple letters to me which I have yet to Receive. The only one I got was written on XX/XX/XXXX and mailed out 7 days later not even giving me a chance to rectify it. Saying that they all ready sent the garnishment out yesterday to my place of work. The letter stated that I still owe XXXX of this debt because they added on theory attorney fees along with whatever else they added. Then today they said I still owe XXXX or little more because of the interest they add on. When I explained that I can not afford that much I was told well we will be getting more than that from your check since it is at 25 % in the state of XXXX Was told that when he kept trying to say that they sent multiple letter ls to the address on file and yet when I asked why is it I received a letter dated XX/XX/XXXX and yet was mailed out 7 days later? The gentleman had no answer for and just states well obviously we are just going in circles on this and getting no where. He couldn't explain as to why that was. So this tells me he lied and said that they mailed out the letters because I never received them.
Consumer complaint received 2019-07-10
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: Riverwalk Financial Corporation (KY)

Today, I saw something on my credit report called " Deville Asset Management. '' Upon calling, I was threatened that if I did not pay this debt off, interest would keep occurring. This is an abusive lie and tactic used to pressure people into making payments. The employee also said " there is a red flag on your account. Let me give you the number to contact. XXXX. '' I've never received any letters from this place or heard of them until today. I do not know if the debt is even valid but here I am getting threatened with interest and red flags.