davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I have a AMEX XXXX card which had a small balance of around {$4000.00}. 

During some software update pushed to me by AMEX all of my payment notifications were turned off. 

I have never turned any of my payment notifications off in prior 4-5 years, ever. 

I explained what happened to AMEX and at first they attempted to say it was I who turned off the notifications. I proved that I use biometrics to login so only I or they could have changed it. I also said that I believe one of their software updates, may have been the culprit but either way I was not responsible for any changes to my notifications and therefore should not be charged any fees or penalized. 

I believe being caught they then magically removed the late penalties. 

They then froze the rest of my accounts that are either XXXX or current out of vindictiveness. 

I spent 14 hours of text messaging with numerous folks and finally got a person who agreed to upon full Platinum card payment balance all my accounts would be restored to their original status. 

Amex agreed. 

Also to remove any current or future penalties, credit report issues ( which they threatened me via email. ) Amex agreed. 

Upon payment the other unrelated accounts were restored, the platinum account still had a late payment notice although a XXXX balance. 

I text to them please restore my account per our agreement last night it still has a late payment notice although it is $ {$0.00}. 

Then he asks a curious question, " what do your future spending plans for this? '' I said, '' I don't know and I don't want to deal with this now I just want the account restored to its original state per our agreement last night. '' The the amex messaging app died again ( you have to constantly refresh Amex 's messaging app or your will miss parts of your message stream ) The only part I initially saw was " Great everything has been fully restored, your message should go away in about 1-2 days '' The part I didn't see is where doing the messaging app refresh the guy arbitrarily sets my limit to XXXX although I told him no and that that wasn't part of our agreement. 

Luckily, a few minutes later I went back through the full messages where he changed it right after I told him no. 

I go back to the messaging app and tell them that that guy arbitrarily set an amount from his head even after I told him no and that that was not a part of our agreement. 

They've been paid in full and I want my credit restored to it's original form as per our agreement. 

Unbeknownst to them I have documented all of this, and can prove every point, including now that AMEX does make unilateral decisions about peoples credit and account without their permission or in this case when they are told no.
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consolidated Auto Sales, Inc. (AZ)

On XX/XX/XXXX, called XXXX XXXX XXXX XXXX department. Spoke with a male employee, asked if he could check to see what loan was sent to collections when all my loans are paid off. He stated a letter should been mailed out regarding this. Stated no letter was mailed to me. He then transferred me to another person, a female employee. The female employee checked in their system verified all the accounts/loans under me. Confirmed there was no open accounts and the last time they reported anything to the credit bureau was in XXXX. Was asked if a title was received and it was confirmed by me to be correct.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Regarding Claim # XXXX On XX/XX/2021 there was an Unauthorized Money Transfer of {$4200.00} out of My Bank of America Account ending in # XXXX to a Unknown Account without My Knowledge or Permission. 

I was notified Immediately of this from a Alert I chose to add just in case something like this might happen Regarding My Account. 

The Alert said Congratulations Your Money Transfer was Successful. 

I did Not Authorize this Transfer or the 5 Unauthorized Transfers that I had before that were Transfered without My Permission and all were Returned Successful when I filed a Claim Immediately upon notification of Unauthorized Electronic Transfers. 

When this happened on XX/XX/2021 I Immediately Reported it to Bank of America Claims Department like I have the previous 5 times. 

I did not Consent or give Permission at any time for My Funds to be Transferred out of My Account to some Unknown Account that I don't know where or whos Account it belongs too Now 6 months later I'm still without My {$4200.00} that was Unauthorized Electronically Transfered. 

Bank of America is Not Coraperating with Me regarding Return of My Unauthorized Money Transfer. 

I filed and Submitted a XXXX XXXX Police Report, just like Bank of America Suggested.

I only use My Phone when doing Business with Bank of America and If checked it will show My phone was never used to Transfer Money. 

Bank of America has had plenty of these same Unauthorized Electronic Money Transfers so why are they saying it was Approved so No Error Occurred. 

It was Not Authorized by Me and I filed a Claim the Moment I was Notified. 

Since it was end of XXXX and We know XXXX and XXXX are Big Holiday Months My Claim was not given Full Priority or given much into Investagateing this Crime. 

As of Today I'm still asking Bank of America to Correct this Error that only they could of Prevented. 
and Reimburse My Account back to the XXXX that was Criminally taken from Me on XX/XX/2021. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
Consumer complaint received 2021-11-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

My mortgage servicer does not cooperate with extending an additional six months of forebearance on my mortgage! already on covid 19 forebearance for 18mos. and still struggling to pay my mortgage.i am a XXXX person on social security.have tried many times to ask for additional extention and reps keep denying.under fha regulations people who still need an extention should be granted an additional extention beyond the 18 months if still struggling with mortgage payment! servicer does not want to comply.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have called to have information to be removed that is inaccurate. I have called to have information to be removed that is inaccurate on my report and XXXX XXXX XXXX said they couldn't even find the account. 

This particular one is 6 years old.The account is with XXXX  XXXX XXXX- and they have been reporting it to the credit bureau Equifax as if it were open. 

The account it closed - They are saying the account is passed due and this is incorrect as this account has been closed for 6 years. 

Equifax reported it on XX/XX/2021 as Pays Account as Agreed with 90 day past due. 

How can I still be 90 days past due when the account says pays as agreed?
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

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'm not swayed that Bureaus and the Creditor has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be removed. Stated below is the account that is in question : CAPITAL ONE XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2021-11-13
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. (PA)

Today, XX/XX/XXXX, I checked my credit score, and saw that a XXXX XXXX account had been opened in my name. My score took a gigantic hit. I did not open a XXXX XXXX account. I believe that my father opened an account in my name and used my information to commit fraud.
Consumer complaint received 2021-11-13
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. (NJ)

XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

XXXX XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.
Consumer complaint received 2022-05-19
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (FL)

I recently opened account with Chime ( online banking ) and my first direct deposit was made on XX/XX/2021. On XX/XX/2021 I started following Chime on XXXX and a Chime agent contacted me by DM on XXXX about some kind of money award so I thought because they offers {$100.00} per any referral costumer so I opened the link and looked like Chime log in so I put my info name, email, passcode, SS # to get in it didnt get it so I sent this person an DM as soon I did it my whole money was stolen. She wasnt a Chime agent and the link wasnt legit. So now my SS has been exposed
Consumer complaint received 2018-09-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

Navient is currently charging off multiple account on my credit for the one student loan I took out. The servicer constantly harass me by calling my phone everyday multiple times a day, even after my loan went into default and they started garnishing my wages. I informed them I did not appreciate the phone calls and I would sue if they continued. They continued to contact me and were extremely rude when I informed them I would sue them if they continued to harass me. One of the representatives even stated " Who are you going to sue? The Federal Government? ''
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (GA)

My debt to Eastern Account Systems was paid on XX/XX/2021. They later reported the account as a collection account to the Credit Bureaus on XX/XX/2021. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WV)

We are XXXX XXXX. We used the card to purchase items for a job performed in Colorado ( live in wv ) from XX/XX/XXXX to XX/XX/XXXX. When we got back home and got paid for the job we called call center and wanted a balance so we could pay off. They gave us a balance of XXXX. We paid that balance by ck. number XXXX. On or about XX/XX/XXXX we received another bill that was pass due with a whole different account number. We tried calling over the next few days to get info and finally got a hold of someone. They told us what the charge was and we agreed that it was a charge for items we had purchased. Although they couldn't tell us how the ACCOUNT GOT OPENED it was for an item we had purchased. We made arrangements to pay, close the account and the company agreed to drop the late fee because of the confusion. That check was mailed on XXXX and was ck # XXXX which brings us to this morning, XX/XX/XXXX. I received a call form citi bank collections stating that I needed to pay immediately. I told them the story and asked to speak to a supervisor. this is where my complaint comes in. There is no recourse for employees not leaving notes on accounts. There were no notes of when I called in XXXX or XXXX. They never started taking notes on the account until I started requesting employee id numbers. It is a web of transfers that will never get you to any result. If you start catching on your are hung up on. I got hung up on 4 times. After the fourth hang up I began to have an understanding of what was going on. If the collections team didn't like what you had to say they hung up on you. Customer service was no different, I got hung up on there too. I spent 4 hours trying to get to someone that would take my complaint. I have all the names and employee id 's of the people i spoke with.I have closed both my accounts with Citi Bank and would like someone to contact me to speak further on the matter from your organisation. At this point I'm not worried about the bill, I know it will be paid, but the process that business is being performed at the call center needs to change. I will no longer support citi bank but its because of the employees, not the services provided.
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (FL)

These accounts are being disputed because they are not mine and are in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management (NC)

this is weird. i had a loan with XXXX XXXX and i found out they sold it to plaza services LLC. however, XXXX XXXX XXXX XXXX XXXX informed me that they took over the loan. but w henever i call XXXX XXXX, they said it was plaza services LLC. So which is it? Plaza services will not answer the phone. XXXX XXXX XXXX XXXX XXXX on the other hand informed me they are the ones i need to pay. i feel like i am being lied to and scammed by someone. i would like for whoever is in charge of my debt now, to leave me alone and get this off of my credit report.
Consumer complaint received 2020-02-11
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. (MA)

XXXX XXXX agent XXXX telephone XXXX did a hard inquire on my credit and my wife 's credit without my approval.
Consumer complaint received 2019-11-21
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. (MD)

Tried to remove a charge off on my credit report from XXXX XXXX  for XXXX Experian wont remove it - it is not my account Thank you XXXX XXXX
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

XXXX and XXXX are marked as ineligible for XXXX monthly payment counts, despite these being months that were placed in administrative/processing forbearance. XXXX, my account was in administrative forbearance due to the issue with XXXX billing. XXXX my account was placed in administrative forbearance due to a delay in processing my IDR renewal. My account does not show they were in administrative forbearance, but are just marked as regular forbearance and this arent counting them. Ive been calling about the XXXX issue since XXXX, and it still has not been fixed. Now XXXX is showing up with the same issue. 

( Side note : my monthly billing statements are also not showing up correctly. Its now showing {$79.00} for XXXX and I have no idea where that amount came from. Each month is getting more and more messed up. It should be the full {$240.00}, assuming the refund from XXXX and XXXX payments were issued? )
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (CA)

They would call me repeatedly everyday for over a week asking for someone that is not me. I would tell them that it is not me and that they needed to take me off the call list. They kept calling. I asked to be taken off the call list again and they lied and told me they had no authority to do that. They wouldn't tell me their business name until I threatened to report them for fraud. They claimed to be calling from Ceders Business.
Consumer complaint received 2021-11-13
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 (FL)

Bank of America ruled against me in a credit card dispute. On XXXX I received a letter stating that Bank of America will report me to the credit rating agencies. As per the FTC they can only report me in case of refusal of payment. However, I already paid in full on XXXX. Bank of America appears to be in violation of federal law by reporting me. I am unable to reach Bank of America for resolution and/or explanation.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (AZ)

I opened an installment loan with American First Financial on XX/XX/XXXX in the amount of {$450.00}. This account was paid in full on XX/XX/XXXX. Currently it is still showing up on my XXXX  report as being open with a balance of {$450.00} and no record of each month the item was paid on time. Approximately XX/XX/XXXX I called American First Financial to make them aware of the mistakes and to seek resolution. I was told at that time that they use a 3rd party to report to the credit bureau. They would email them and make them aware. I called back to AFF the  next day or two to make sure the 3rd party had received the request. I was told at that time by AFF that they could not give me any more information because the 3rd party doesn't have a phone number. All they could do was email them and they've already done that. I would have to wait 30-45 days to see if it had been updated on my credit report. Approximately 7 days later I followed up to AFF with another phone call. I asked if they had received any sort of response from the 3rd party at which time I was told they had no information from the 3rd party and again they could not follow up with them because they couldn't call them because they don't have a telephone number and all they can do is email them which they've already done. On approximately XX/XX/XXXX I visited American First Financial 's website where they have a section you can email them to report issues with your credit report. I wrote them an email outlining everything I am in this email. As of XX/XX/XXXX I have heard nothing from AFF and the inaccuracies are still on my Transunion report. 

I'm trying to purchase a home and I can not afford to have any inaccuracies on my credit report. I also made this clear to AFF.
Consumer complaint received 2022-05-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). USAA is in violation of 15 USC 1692a ( 2 ) and 18 USC 894.

USAA knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ).

15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned. 

USAA does not have my permission in writing or verbally to report information on to my federally protected consumer report. 

I have informed the CEO several times of their fraud.