davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (WI)

On XX/XX/XXXX, I opened an account at the BMO Harris Branch in XXXX XXXX, WI. I had received a {$300.00} bonus offer from BMO Harris, and I opened my account and presented the bonus offer that I had received ( see attached bonus offer ). 

I completed all of the requirements of the bonus offer. My opening deposit was above the minimum of {$25.00}. I made 2 direct deposits of at least {$500.00} within 90 days of opening my account. I made at least 10 debit card purchases within 90 days of opening my account ( see attached statements ). 

On XX/XX/XXXX, I noticed that my account had been closed without my action. I received no notice that my account would be closed. I believe BMO did this to avoid paying me the account opening bonus. When I inquired about this in an online chat ( see attached chat transcript ), I was told that my account was closed because there was no activity for 45 days.

When I asked where it said that accounts would be closed after 45 days of inactivity, I was told that it was part of the deposit agreement. I responded that the deposit agreement ( see attached deposit agreement ) made no such statement.

I believe that BMO Harris closed my account solely to avoid the payment of the {$300.00} bonus offer. In all my years of banking, I've never had an account closed after having a {$0.00} balance for just 45 days, especially without warning. In fact, to the contrary, I've had to follow-up myself to close accounts that have had XXXX  balances for years.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections (ID)

I received a notice from magistrate court regarding a lawsuit that Bonneville Billing and Collections had filed. The document alleged that my wife and I both owed money for goods and services provided by XXXX XXXX XXXX. It further alleged that multiple attempts had been made by Bonneville to contact me. 
Nothing can be further from the truth. I have not received any correspondence or even one phone call regarding the alleged debt. They also included my wife on the lawsuit whom had never had any dealings with Bonneville or XXXX XXXX  XXXX. Bonneville claimed that they purchased the debt on XX/XX/2018 and were entitled to interest even though there had never been an agreement with myself or my wife that we would pay interest. Furthermore, the instance in question had been paid in full between my copay and my health insurance. According to the FDCPA, debt collectors are not allowed to contact family members regarding a debt. However, isnt that a violation when they add my wife to a bogus lawsuit? I believe that this was a carefully orchestrated scam perpetrated by Bonneville and their attorney of record, Bankruptcy Attorney XXXX XXXX, XXXX and XXXX of XXXX, Idaho. I believe that they have done this before and will continue doing this. It is illegal to lie in a complaint for a lawsuit, yet they did just that when they stated That due demand pursuant to Idaho Code 12-120 has been made upon defendant more than 10 days prior to filing of this action. And also That defendant refused or neglected to pay to Plaintiff the above mentioned sum despite demands made by Plaintiff. 

Bonneville Collections, who was the Plaintiff in this case, never once attempted to contact me, or my wife, the codefendant. 

This is a carefully orchestrated scam and they did not count on me disputing this. The lawsuit has been denied with the Judge entering a judgement for me, the defendant. 

Being as I have been completely honest about this case, I do believe that a business as well as their attorney representing them, should also be held to the same standard of honesty. Please see the attached documents supporting what I have said in this complaint. I have also included photos of the info from my health insurance website supporting my assertion that the doctors visit was paid in full with nothing being owed. My only hope is that they are not allowed to find vulnerable people and do this to them. 

Thanks for your time. 

XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

{$29.00} late fee charged, can't waive but never recd info. Told me I should check my Am exp. Account on line. Changed to mail copy. Don't want this on my credit report, feel should be waived.
Consumer complaint received 2022-03-03
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX  XXXX )
Consumer complaint received 2022-03-04
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: GOLDMAN SACHS BANK USA (CA)

On the evening of Friday XX/XX/XXXX fraudulent charges totaling {$7300.00} were made on my Apple Card issued by XXXX XXXX. This was part of a larger identity theft that impacted my XXXX card, a business XXXX XXXX card, two XXXX Bank credit cards and two XXXX Bank checking accounts plus stole all of my Apple Cash. 

All of these other accounts quickly and efficiently closed accounts, blocked fraudulent charges and were a pleasure to work with. 

Not so Apple Card. 

I contacted Apple Card customer service twice on Saturday XX/XX/XXXX. The customer service person said the XXXX XXXX XXXX department was already involved and that my account would be locked and closed. They promised someone would get back to me. 

After not hearing anything I called again on XX/XX/XXXX. I was told that a problem had occurred but this time they would mark the transactions as fraud and get back to me. 

Again there was no contact and another call was made on XX/XX/2022. The customer service person my wife and I talked to today was very helpful but we were surprised to find that apparently none of the charges were flagged as fraudulent despite having called into Apple Card support multiple times in XXXX. 

At this time I read the fine print on my statement and sent a certified letter contesting the charges as fraudulent and demanding the account be closed. I have tracking proof of delivery from US Postal Service that this letter was delivered on XX/XX/2022. 

Nothing happened. 

Also on XX/XX/2022 I mailed a separate letter with a check for {$420.00} which covered my legitimate charges for the month of XXXX. That check was promptly cashed. 

Apple Card is now trying to bill us for the {$7300.00} in fraudulent charges claiming they have no record of multiple phone calls and a certified letter. We have talked to them every day so far in XXXX with no change and every person we talk to says they see no record of us ever having called. 

In the attached statement every charge after the {$26.00} at XXXX XXXX XXXX is fraudulent and was not made by me or any other authorized user.
Consumer complaint received 2018-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

My tax refund was send to Navient and I request for hard ship and I got a hardship application and I filed out and mail it back to them with all the necessary support documents I was it will take 7 to 10 days for a decision so I called back after 2 weeks I was told my loan been transferred to a new sevrever but they have no information about who is the servicer or my hardship ..i am about to lose my house because I need this tax money to pay my mortgage to save my house now I am going to lose my house and no help insight ... please tell me what I need to do ...
Consumer complaint received 2022-07-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. 

***complaint numbers : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. *15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently Bank of America reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Bank of America. This account is not mine and I strongly believe is being reported in error.
Consumer complaint received 2022-06-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (GA)

Thank you for the opportunity to submit this complaint. Grain Technology extended a loan/line of credit to me in 2020. I have faithfully paid every month. I have even come close to paying it off and drew down on my money. The money has always been automatically taken from my checking account. 

Grain has no way for customers to reach customer service, ever. They NEVER respond to emails timely, if at all. It generally takes 2-3 months to respond to an inquiry, again, if they even respond at all. I few months ago, they sent an email about verifying your account, I went to verify and I was locked out of my account. I have no way of viewing my account number, my payment history, my balance, or pending transactions. 

I returned to my account weeks later and it required me to verify. It was a very tedious process, unlike any other credit card company I use. I do not use sub prime companies. I submitted my social security card, drivers license front and back as requested. It indicated it would take 5 business days. It has been minimally 15 business days now. I have emailed them at least three times since with absolutely no response. They, on their XXXX page are choosing who they respond to. They are lying explaining because they are short staffed it will take 10 business days, and that is not true. As well they are saying they are being required FEDERALLY to verify identities, but they are still taking money from UNVERIFIED ACCOUNTS! HOW IS THIS LEGAL AT ALL? 

I have no access at all to the line of credit WE entered into and I have a right to have access AND draw down from based on the credit terms. It is very CLEAR Grain Technology is DEFRAUDING people, and I am seeking legal counsel to see how I can not be responsible. If I stop the auto payment at my bank it adversely impacts my credit score, yet I have no idea what I owe, and can not access my account. THEY NEED TO BE INVESTIGATED.
Consumer complaint received 2022-03-04
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. (MA)

Date Last Active on XXXX XXXX XXXX XXXX account XXXX is being inconsistent reported on my credit report. 
XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. Experian how can you verify that this account is being reported accurately when the Date Last Active is still and continuing to report inconsistent. This information is coming from the same furnisher and should be the exact same for all three reporting agencies. Delete this account because of inconsistent reporting. Under section 15 USC 1681 S-2 you are prohibited by law the reporting of inconsistent and inaccurate information. This account is clearly being reported inconsistent. Delete account because of inconsistent reporting. Experian states that they cant view any support documentation that I provide. How can Experian conduct a proper investigation if they cant review the supporting documentation for my dispute. I am again attaching proof support documentation directly from the credit report showing the inconsistent reporting for CFPB review for my dispute. Also I am attaching a copy of my dispute letter I certified mailed to Experian. CFPB I ask that you hold Experian accountable for not uphold the law.
Consumer complaint received 2020-02-04
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: SYNCHRONY FINANCIAL (OK)

I received an alert that I had a hard inquiry on my credit report on XX/XX/XXXX by a company called XXXX XXXX XXXX/PayPal. They even used an old address on the inquiry. I contacted XXXX  and they told me Id have to contact the company and they gave me the number of the company from report. Called the number and it was to PayPal Synconcy. They transferred me to fraud dept supposedly and I spoke to a XXXX that said account would be closed and a fax sent to all 3 credit agencies to remove the hard inquiry. He gave a report number of XXXX. The next day I got another alert that the credit card was opened. XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX I keep getting alerts even as of today XX/XX/XXXX that the PayPal CC was opened in my name. Called XX/XX/XXXX PayPal Fraud at XXXX and spoke to a XXXX  that was very rude and told me that the CC was closed 6 days ago and said that nothing would be sent to the credit agencies until they did their investigation which could take up to 90 days to decide basically if Im lying or not!! I am so upset as I have an 800+ credit score which keeps going down due to this company! I did a search regarding this company on your site and they have done this before and there was even a judgment in XXXX!!!! Evidently they are doing this again!! PLEASE HELP ****** ******Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Upon review, we have determined your complaint is not against PayPal . Your issue is with Synchrony Bank, and therefore, we are unable to provide an adequate response to your complaint. Please be advised that PayPal Credit is a product offered by Synchrony Bank. As such, PayPal is unable to provide any further information on the PayPal Credit application. If you have any further questions regarding PayPal Credit, we suggest contacting PayPal Credit directly at XXXX or by mail at : Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX As you can see above I already contacted Synchony!!
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank continues to show retaliation towards me for making complaints. They are now allowing a company steal my money and not help me even with proof. XXXX is a company I found on XXXX to start my XXXX. These people are thieves and stole my money. I trusted them paid them in XX/XX/XXXXmy XXXX should have been up and running by XXXX XXXX.IT NEVER HAPPENED. I gave them another month NOTHING happened. Then another month nothing happened. They lead me own caused me to not have no income for over 3 months. NOT FAIR. I was told I can dispute with my bank I did and was denied with no contact or concern. That was my entire savings to start a XXXX and they destroyed that. Now my bank I supposed to trust are allowing them to steal my money and they didn't deliver their service. It should not matter that it was a ACH the services weren't RENDERED. That is a illegal charge. Chase is allowing with no care and causing life changes in my financial life due to this company not following through and now my bank not having my bank. Chase bank has an ad to give money back until they investigate not with me they decided and denied no questions asked. NOT FAIR. They stole my money. 

How can your complaint be satisfactorily addressed? 
I trusted this bank and now they are letting me down. This bank is allowing XXXX to steal money from me. I want my money back as I am well in my rights to do so and per Chase agreement. Chase is not following protocols to protect their clients and not fair ethics practice. I gave proof and no help at all without even contacting me through the process. RETALIATION is only happening because I filed complaints. Chase needs Refund the money they stole from me. Right is Right and Wrong is Wrong. Chase is suppose to put their customers first and treat them with respect. They are allowing a merchant steal from me.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I paid the balance $ XXXX.then I received a statement with late charge and other fees. ( money was withdrawn on XX/XX/18. I was told if I pay one time late fee they waive other charges which I did. Now they want to pay another late fee to waive other charges. I don't trust them anymore.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (WI)

A credit report agency XXXX report wrong information on my credit report, from my account bank account named Chime. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information CHIME-XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX