davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX NEGATIVE ACCOUNTS : COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XX/XX/XXXX {$760.00} EQUIFAX NEGATIVE ACCOUNTS : - XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} COLLECTIONS : - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$1400.00} - None provided - XXXX XX/XX/XXXX {$960.00} - None provided - XXXX XX/XX/XXXX {$110.00} - None provided - XXXX XX/XX/XXXX {$180.00} - None provided - XXXX XX/XX/XXXX {$350.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$150.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} - None provided - XXXX XX/XX/XXXX {$220.00} - None provided - XXXX XX/XX/XXXX {$280.00} INQUIRIES : - XXXX XXXX XX/XX/XXXX XXXX COLLECTIONS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX XX/XX/XXXX {$280.00} - XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$960.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} - XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

I have a mortgage with Bank of America. They had a mortgage system update in XXXX, and since that time I have had several issues. On XXXX, I had a balance of {$6500.00} on my mortgage I sent a {$2500.00} payment from my bank on XXXX which did not post. I sent a {$500.00} payment from my bank on XX/XX/XXXX which did not post to my account. I called BofA repeatably for the next two weeks,  experiencing hold times in excess of XXXX XXXX hour each time. They finally gave me an ETA of XX/XX/XXXX to locate and post my payments ( unacceptable ). 

Since I was very close to paying off this loan, I submitted a {$3500.00} payment on XX/XX/XXXX. That payment did post to my account, along with the {$2500.00} payment. The payment of {$500.00} is showing on the account as 'unallocated ' as I was close to paying off the account. I've called several times to get that amount allocated so that I could get an accurate payoff amount. Currently my account shows a {$590.00} principal balance. A representative told me that my payoff would be {$100.00} and that it had to be wired, or sent via certified check per our agreement. I never had an agreement with BofA as my mortgage was sold to them, but I spent the extra {$25.00} to have a payment wired. I wired {$110.00} to them on XXXX and that payment also has not posted. I called again on XX/XX/XXXX, and a supervisor was supposed to call me back on Friday, XX/XX/XXXX - which they did not. Today my balance still shows {$590.00}. They have had my {$500.00} for over a month, and my {$110.00} for a week. Nothing is happening. 

I'm currently on hold with BofA, for the 5th time.. I have over 12 hours of phone time with them to pay off a {$590.00} mortgage. It's unacceptable for a financial institution to treat customers in this matter.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I NOTICED OUT OF THE BLUE MY SECURED LOAN ACCOUNT WITH XXXX XXXX XXXX XXXX IS SHOWING OPEN AND 30 DAYS LATE WHEN IT WAS NEVER LATE AND IT IS CLOSED. IT WAS A 12 MONTH TERM SECURE LOAN THAT WAS OPENED ON XXXX. I WAS NEVER LATE AND THIS ACCOUNT SHOULD HAVE A XXXX BALANCE AND PAID AS AGREE. THE ACCOUNT NUMBER IS XXXX. WAS UPDATED XXXX XXXX ACCORDING TO THIS. ALSO THERE IS ALOT OF VARIATIONS TO MY NAME WHICH I WOULD LIKE REMOVED. I JUST WANT MY NAME AS IT APPEARS ON MY IDENITIFICATION. ALSO I NOTICED THAT THE OTHER DISPUTE THAT HAS THE LINK TO MY EMAIL IS DIFFERENT THAN THE ONLINE EXPERIAN.COM ONE. I CAN NOT ACCESS MY REPORT ON XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

There was a fraud alert sent to my email which I responded to immediately. I shut off my card then marked it stolen. Some of the charges were stopped but not all. I filed, the same day, a fraud claim for all of the unknown transactions. Unfortunately, {$130.00} fraudulent charges from XXXX 's XXXX in AR still posted to my account. I live in AZ not AR and I do not do business with this merchant. My claim was declined stating I used my pin. I made a transaction the same day in AZ so there is no way I was in AR. I escalated the situation again with still no resolution.
Consumer complaint received 2022-12-15
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 (CA)

In a separate complaint using CFPB portal vide complaint number : XXXX, American Express had provided a response, which is incorrect and false. Their reply was : " Your account received several merchant refunds as shown in your correspondence attachment which brought the spending threshold below the offer requirement. As a result, we reversed the {$300.00} statement credit to your account on XX/XX/2022 which will be reflected on your upcoming billing statement. We sent you the enclosed email the same day notifying you of this. The terms of the welcome offer state, if you cancel or return purchases you made to meet the Threshold Amount, we may take away the statement credit from your account. '' However, this information provided by them is totally incorrect and false. 
After the {$300.00} credit was applied to my account, there has been absolutely zero merchant refunds which have brought my spending threshold below the offer requirement. The {$300.00} was credited to my Credit card on XX/XX/2022. I challenge American Express to show me any merchant refunds after XX/XX/2022 which they claim has brought the spending threshold limit below the offer requirement. There is none, and I re-state, zero merchant credits after the credit of {$300.00} promotional bonus. American Express had carefully evaluated all my transactions prior to XX/XX/2022, and only after that they decided to aplly the promotional bonus of {$300.00}
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

TD BANK N.A. is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( TD BANK N.A. XXXX )
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account and accused me of fraudulent activity. They reported me to XXXX XXXX and XXXX XXXX. This is completely inaccurate and probably libelous. They need to remove it immediately.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

I believe I am a victim of identity theft. I disputed the fraudulent information on JPMCB CARD from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation (CA)

I would like to file a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a  ) " The false representation of - the character, amount, or legal status of any debt. '' The last written affirmation of this debt and attempt to collect payment was made on XX/XX/XXXX by representative XXXX XXXX via USPS mail. The company also attempted to contact via phone multiple times during all hours of the day, including calling my familys landline phone without mine or their consent, with the most recent verbal contact via voicemail on XX/XX/XXXX. In early XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding an outstanding debt with XXXX XXXX Credit Card Company that occurred in XX/XX/XXXX. Communication was written form, as well as verbal communication via phone at all hours of the day and night. I was repeatedly contacted and left threatening voicemails on my cell phone advising that I owed this debt and needed to make payment arrangements with Patenaude & Felix to pay the  balance of {$3200.00}. I was also threatened by one of their representatives via an anonymous number on my cell phone at XXXX PST on XX/XX/XXXX stating I needed to be at my residence within an hour so that they could serve me paperwork to which I needed to show two forms of ID and sign. If I was not present at the address, they would view it as being non compliant and seek law enforcement officials or go to my familys house or personal contacts on file in an attempt to locate me. However, upon consulting with a credit monitoring company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was charged off and taken off my credit report in XX/XX/XXXX. According to the California State Attorney General, the statute of limitations to collect upon a debt in the state of California ( to which I reside in ) is 4 years. Upon further review of this same credit report, Experian reports that Patenaude & Felix, A.P.C unlawfully accessed my XXXX credit report in XX/XX/XXXX and in XX/XX/XXXX without my consent, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as being charged off and taken off of my credit report after the 7 year limit. Patenaude & Felix is fraudulently misrepresenting the status of the debt, in an effort to obtain payment and collect further personal and financial information. In using the internet to research this company, I found many incidents of complaints, due to unethical collection tactics, fraudulent misrepresentation, and harassing customers. I have continually rejected all of their attempts at communications with me. I have provided evidence that they have violated my consumer rights and I will consider all further communications from them and further attempts to access my credit report a form of harassment.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I opened a credit card with Bank of America ( " B of A '' ) as part of a program offered to attorneys and or members of the XXXX XXXX XXXX. The credit card agreement specifies that rewards will be paid through a statement credit or check mailed to the card holder. B of A has refused to send me a check for the dollar amount of the rewards owed to me. I called B of A on XXXX XXXX, 2021 to get a check for the negative balance on my account in the amount of {$67.00}. I was told by a supervisor XXXX that I would have a check for that amount in 14 days. No check arrived. I called B of A again on XXXX XXXX, 2021. I spoke with XXXX who was extremely rude and dismissive and told me that my request would have to be " reviewed ' and the process would take another two billing cycles. I then spoke with her supervisor XXXX who called me " petty '' and eventually hung up on me. I wrote a letter to the CEO of B of A, XXXX XXXX, on XXXX XXXX, 2021 about this matter. He has not responded and I have not received my money. I called B of A again on XXXX XXXX, 2021 and spoke with XXXX ( ID XXXX ) who told me a check in the amount of {$56.00} was mailed to me on XXXX XXXX, 2021. No check has arrived.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However XXXX  and Experian will not allow me to reinvestigate or submit a dispute.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted them multiple errors on my reports and I continue to get something stating it has been verified as accurate.

As you can see I have come to you multiple times and I get ignored.

As

per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, I am now seeking compensation. I have now gotten the XXXX involved and Attorney General and will proceed to sue them if they don't act promptly.

False accused me and have defamed me.
Consumer complaint received 2020-07-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I'm getting numerous calls from national credit adjusters. I have never done business with them. They threatened me and I made a payment due to being scared. Now they are calling and calling and I've blocked them and they continue to call me. I called the company they state they are representing and let me tell ya they say there are several accounts and I'm like what?? But yes I called and the company said they have no clue who they are.
Consumer complaint received 2020-01-28
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 (AZ)

My Social Security Number was lost at a point in time around XXXX of XXXX. When I started receiving stamens in the mail for a QVC account that I have never once viewed nor purchased one single item ever. This has now affected my credit and I don't know who is purchasing items. 
Im currently XXXX and have only once ever tried to do anything to impact my credit. In XXXX i applied for a in store XXXX XXXX credit card. Was immediate approved. Now my credit is XXXX. Im so lost on how this can happen and my credit has fraud activity.I didnt even know what QVC was untill getting statement letters in the mail for items ive never purchased or received. please help.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card with Capital One, in the amount of {$6600.00}. I paid the full balance off the debt, with the last payment being made on XX/XX/2020. However, Capital One continued to report this account as a charge off.
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I checked my XXXX XXXX account online to check my latest charges. I was amazed to see a pending charge of {$89.00} from Experian which I never made. The only time I previously contacted them was in XX/XX/2017 to put a freeze on my account, which I paid {$5.00}. I tried calling them, and was told the wait time was greater than 1 hour. I checked some of the websites and seen that there are many others going through the same issue. Many of them complained about waiting as much as 2 hours just to have them hang up on the caller. It sounds like many people just give up trying to get the charge removed. This is just pure theft and the company should be prosecuted. I don't intend to let them get away with this. My next step is to contact the local TV XXXX for them to bring this to light. Please help.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I have tried on several occasions to reach Equifax, I have emailed, called, stayed on hold, no response. They say they will call back, again no response. They have charged me a fee of XXXX and I am not getting that service. When you go to their website all it gives you is an error, but I have been charged. The XXXX time I did get someone, while I was on the phone with them, I received an alert that says my Equifax email was updated to the existing email I already have. I have never changed my email. I questioned the agent, who is offshore, all he said was " so what do you want it to be ''. He then sends me some text alert. He never acknowledges my concern. I try and call back of course as usual, never receive any help.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute an unauthorized hard inquiry on my TransUnion credit report and to request an immediate investigation into this matter, as I believe it violates the Fair Credit Reporting Act ( FCRA ) regarding permissible purposes for credit inquiries. 

The specific inquiry in question was made by XXXX XXXX ( XXXX ) on XX/XX/year>. I did not authorize this inquiry nor did I initiate any credit application or transaction that would warrant a hard pull on my credit file by this institution or any other entity. 

Under the FCRA, section 604 [ 15 U.S.C. 1681b ], permissible purposes of consumer reports are clearly outlined, and any access to my credit information must align with these legally defined reasons. An unauthorized hard inquiry not only contravenes these regulations but also unjustly impacts my credit score. 

I respectfully request that the CFPB : Conduct a thorough investigation into the unauthorized inquiry by XXXX XXXX  ( Finance ) reported on XX/XX/year>. 
Ensure the removal of this inquiry from my TransUnion credit report if it is found to lack a permissible purpose under the FCRA. 
Provide me with a detailed account of the investigation 's findings and any actions taken to rectify this issue. 
I have attached a copy of the portion of my TransUnion credit report showing the unauthorized inquiry for your reference. 

Thank you for your attention to this important matter. I trust in the CFPB 's commitment to uphold the consumer rights and protections afforded by the FCRA and look forward to your prompt assistance. 

Sincerely, XXXX XXXX