davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

In accordance with the Fair Credit Reporting Act 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 connot furnish an account without my written instruction.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America have missed transactions under my account as well as under investigate imy claims Bank of America has spent over the amount of days on a claim that should have had a decision on it already I am currently on the verge of eviction I am trying to negotiate with my landlord about the timing that Bank of America will fix my situation I feel this is very unfair I have had to investigate on my own to find out that transactions that I specifically requested to be disputes has not been disputed at all it has been two years of Bank of Americas mess I was also not informed that the claim for {$1300.00} was duplicated by a representative they also added someone elses card number to my claims at Bank of America I am currently still missing a nice amount for my account I have spotted a {$5000.00} transaction that should have been disputed just as well as a {$2000.00} transaction that should have been disputed already and resolved This is very unacceptable I am trying my best to work with Bank of America the back office is very incompetent it seems they are not taking my situation seriously at all my children are being affected by Bank of Americas incompetence as well this is not only unfair to me I am not the only one suffering behind the situation I have been waiting for these claims to be resolved I would like for my false negative balance to be fixed because it was never properly investigated for the {$1300.00} I am going to need them to do something because I have bills to pay in a household to take care of I can not continue to wait for Bank of America because they are not resolving the situation quickly enough
Consumer complaint received 2021-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (IN)

My Simple checking and savings account was transferred to BBVA USA upon Simple going out of business. The online enrollment did not work and my efforts to establish a login to access my account to were locked. The customer service number directs to an automated system that hangs up XXXX in my experience XXXX approximately 75 % of the time. When a customer service agent is connected, they have all pretended they could not hear me or anything I was saying. They lie, then hang up. I have no access to my accounts and no means to directly address the issue with XXXX.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

American express offered a promotion where I would receive XXXX bonus SPG points per cardmember that I referred. 

I referred at least 3 Cardmembers in XX/XX/XXXX and to date ( XX/XX/XXXX ) I have not received the promised bonus. 

I have reached out to American express about this multiple times and they haven't given me any answers, only telling me its under investigation
Consumer complaint received 2018-07-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OR)

My name is XXXX XXXX XXXX, I have a VA loan that is serviced by loanDepot, XXXX. XXXX XXXX, XXXX, New Jersey XXXX. Customer Service telephone number : XXXX. 

When I purchased my home my wife was not on the loan. I would like to add her to the loan. 

On three ( 3 ) separate occasions, over the last 5 months I have called my lender, loanDepot, and have requested documentation from them so that I can add my wife to the loan. 

All three times I have been assured that I will be receiving the documents in the mail and it will take 5 to 7 days. 

I have yet to receive the documents. If they are sending them via the mail, it most certainly isn't to the address on the loan. 

I have called and the Customer Service Representative looks into the computer data base regarding my loan and finds no mention of my request or of the documents being sent. I have requested to speak to a Supervisor but none are ever available. 

My next step after this is to contact the VA regarding loanDepot 's lack of support for Veterans. 

I am curious as to the motive of loanDepot for not providing me the capability of accomplishing putting my wife on the loan.
Consumer complaint received 2022-07-21
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

I authorize and give permission for the following company to move forward this complaint. I, XXXX XXXX, is submitting this complaint without the influence of this of third party agency. Please see my full complaint on how the following company, CMRE Financial Services Inc, has invaded my right to privacy and violated HIPPA by purchasing my medical information and created duplicate accounts See attached documents for the full complaint
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX I deposited {$500.00} into my TD bank account because I was going to begin using my bank account more. Two days later XX/XX/XXXX someone sent out two different transactions through XXXX XXXX of {$250.00} totaling in {$500.00} that I had just deposited. These were obviously unauthorize, I filed a claim and have yet to receive provisional credit or any type of refund like I was promised.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2018 TransUion, XXXX and XXXX despite my 3 previous written requests asking them to provide me with the name of the person in there company who verified that these accounts under XXXX XXXX XXXX are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file THEY ignored my rights and failed to show what was used to verify. Their actions clearly demonstrate willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and their responses to them. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BOEING EMPLOYEES CREDIT UNION (OR)

On XX/XX/2018, someone committed Fraud on my personal identity. They went into one or two Boeing Employee 's credit unions in or around XXXX XXXX, XXXX or XXXX XXXX near XXXX. I immediately notified all credit bureau 's that Fraud was being committed on my social security. Then I called Boeing Employees Credit Union to notify them of the fraud and after calling 4 times, no one will call me back and confirm the account has been closed. It is my understanding that it's a checking account and a line of credit. I've verified my identity with my local police department on XX/XX/2018, with the XXXX County Sherrif 's office in XXXX, XXXX where I live. I filed the report case # XXXX with Deputy XXXX XXXX XXXX / XXXX and he forwarded the report to XXXX XXXX. I've spoken with XXXX XXXX and the local XXXX XXXX police department and no one will confirm that this account has been closed nor will anyone from Boeing Employees Credit Union call me back. The police and the FBI won't do anything about it because Fraud was against my identity but the bank is the complainant and they are trying to require that I come to XXXX to the branch where the account was opened ( but they won't tell me where ) so I can verify my identity. I have been verified by my personal bank XXXX XXXX as well as the local police department. That should be enough to ensure that this account is closed. I have spent over 40 hours of my time cleaning up this mess and Boeing is a complete disgrace to modern society and consumer protection. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

On Saturday XX/XX/XXXX, BBVA attempted to transition my Simple Banking account into a BBVA mobile banking account. This had been announced for months and was assured through emails that all banking information would remain the same, I would just need to create a new login. Since the transition I have not been able to login to view any account information, nor use my debit card, or have any access to my funds. BBVA stated they would open up customer service on today, Sunday, XX/XX/XXXX to help deal with the transition. Every time I call in to the customer care line, the call is either disconnected or the customer care representative acts like they can not hear me and promptly hangs up.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent several disputes to all three consumer reporting companies, XXXX, Experian, and XXXX  for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have been trying to dispute the XXXX account off of my credit! Due to the fact that this company was pay off in advance! Which is one of the option that was given when I applied! So if I paid this off in a substantial amount of time why is it still reflecting in my credit report when its paid off already! Im not understanding why do experience keep things in your credit report to keep your credit low! When its be paid off already!
Consumer complaint received 2018-05-06
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: DISCOVER BANK (VA)

XXXX XXXX charged my credit card WITHOUT my knowledge or permission and charged double what I paid last year. This is clearly a SCAM and I should NOT be charged for the service. I have asked that the original charge as well as the interest and other fees be removed from my credit card but discover has refused. This is completely unacceptable.
Consumer complaint received 2021-02-12
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. (NY)

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TRANSUNION : XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

We had a XXXX XXXX. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.
Consumer complaint received 2022-03-01
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)

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MO)

I received a Netspend prepaid XXXX card as a XXXX  gift in XX/XX/XXXX. The purchase date is unknown. The person that gifted me the card did not include the cardholder agreement. Upon attempting to activate the card on the Netspend website on XX/XX/XXXX, I was given an error message and instructed to call the customer service line. Upon making contact with a customer service agent, I was informed the card expired on XX/XX/XXXX. The card states it is " GOOD THRU XX/XX/XXXX '', which I pointed out to the agent, who informed me the card has a 120 day expiration ( she did not explain what the expiration was or why it expired ) and the date on the card is the shelf life of the card. When I informed her the card was never activated and there was no indication of an expiration date on the card, I was told I could be issued a check but a {$4.00} fee would be deducted from the card. I requested the fee be removed as there was no indication on the card itself of any fees or expiration dates associated with the card. She told me there was no way to remove the fee, so I asked to speak with a supervisor. She informed me I could not speak with a supervisor as everyone was taking calls and the supervisor would not be able to assist with removing the fee. I asked her to put me on hold to wait for a supervisor and instead of being put on hold I was rerouted to enter my card number for activation. I entered my card number and received a message that my card was invalid and the call disconnected. After the call ended I searched the website for a cardholder agreement and was unable to determine which cardholder agreement was associated with my card, as there were many options but no indication of how to find the long form ID that would indicate which agreement to choose. There is nothing on the website to show there are expiration dates associated with card activation or that the date on the card is the shelf life. All I request is to receive the full {$50.00} amount I was gifted.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( Experian, XXXX, XXXX ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with Experian, XXXX, XXXX. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, XXXX, TransUnion ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, XXXX, TransUnion. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,