davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (MN)

I have an Amex Gold card, of which a published benefit ( provided enrollment prior to XX/XX/XXXX ) was a complimentary XXXXXXXX XXXX XXXX membership ( since converted to XXXX XXXX. ) The membership began billing to my account automatically month on XX/XX/XXXX based on the card being enrolled in the XXXX app. The charge continued at the end of each month and I expect to see it post on XX/XX/XXXX as well. There has never been a corresponding credit. 

I contacted customer service on XX/XX/XXXX via phone. The representative agreed that I should be eligible for the credit and began to research the problem. He noticed that I have two authorized user cards in addition to the primary card ( what Amex calls the " basic '' card ) but they're all in my name. I explained that all of my Amex cards have the same last 4 digits which is very confusing when saving cards online so I requested additional cards to get unique numbers. He understood that but suggested that if I added one of the additional cards to XXXX that would be my problem, as the terms state the benefit applies only to the basic card. I confirmed that the basic card was the card that was enrolled in XXXX and he then told me he'd need to open a case. He gave me a case number. 

I did not hear back again from Amex regarding this matter. I followed up via online chat on XX/XX/XXXX and the rep " could not access that case number '' and asked me to explain the situation again. That rep informed me that the credit has posted on XX/XX/XXXX. I responded to the rep that a charge posted on XX/XX/XXXX but no corresponding credit and certainly no back credits from the earlier charges. The rep said I would see " the credit '' on my next billing statement but when I asked if this would include both the previous credits that never posted and would resolve the problem moving forward, he was uncertain. He then suggested that the credit was {$10.00} in XXXX Cash that I receive each month ; although this is a benefit of the card, it is IN ADDITION TO the free membership to XXXX XXXX and not instead of it. He was also unable or unwilling to have someone in a better position to help ( who could see the existing case number ) follow up with me. I determined the best way to get this issue in front of someone who could help to resolve it would be this CFPB complaint. 

Worth noting : I had an unrelated fraud issue on this account after submitting the original case. My card was replaced with a new card number. Therefore, the account information provided is the updated card information after the fraud reset.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

I had a checking account with Huntington Bank. My social security check was deposited on the XXXX of XXXX and the next day I called and found out that my account had been closed by Huntington. They would not tell me initially why they had closed the account but they allowed another deposit into the account. After a series of phone calls I was told that I had to show up at a brick and mortar with a piece of paper to verify the deposit along with me personally. I live an hour and a half away from Huntington Bank in XXXX Wisconsin. I am in a wheelchair at this present time. It takes time to set up rides which are not always guaranteed. I have explained this several times to Huntington Bank. They don't care. They have expressed that to me as well through other language that we're sorry but you'll have to go to a brick and mortar. I have called a brick and mortar. I was offering to email or fax the necessary paperwork that was needed so they could verify the deposit and send the money via cashier 's check through the mail to me. I have yet to receive a letter as to why they closed the account. I am being forced to go back to Huntington Bank just to show a piece of paper and to get my money. I am not happy with Huntington Bank and looking at all the other complaints that people have talked about I would give Huntington Bank a two-star review.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

Opened a credit card in XXXX is XXXX with Wells Fargo with a banker. They said the stated to call back to increase my credit limit. I then contacted Wells Fargo in XX/XX/XXXX, they said in order to increase my credit limit and intro offer, I needed to close my other credit cards to increase my credit line. I closed my other cards and for over a month couldnt use the card as intended with the advertised offer of 0 % for 18 months. I escalated to their executive team and have been given the run around and no clear understanding of why they allowed their bankers to give me misinformation.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (CA)

My name is XXXX XXXX. I have late 30 days late payment from American Honda financing on XX/XX/XXXX on XX/XX/XXXX. Do to covid -19 I ask for to delete this late payment on my credit bureau. I also send out good will letter to them and later i got the letter from them saying they can not delete this information. They are the one who told me if i use covid19 as reason they will consider this matter and delete this information. 

Account # XXXX Account Name : American Honda financial
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (VA)

I am a natural person and a living human being. I have the right to privacy, and Equifax has violated my rights by furnishing accounts to my credit report without my written permission. Therefore, I demand that the accounts listed below be removed from my credit report, in accordance with 15 USC 1681. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
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. (PA)

EQUIFAX XXXX  & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, EQUIFAX, XXXX has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXXT EQUIFAX INQUIRES / ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Someone is trying to open accounts under my name with m and T bank, I do not even have a bank of this branch locally to me. I keep on getting debit cards sent to me and when XXXX  call Im asked for my social security number over the phone. I dont know what to do
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have an auto loan with CHRYSLERCAP, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLERCAP and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLERCAP with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.
Consumer complaint received 2018-02-26
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: SYNCHRONY FINANCIAL (VA)

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

Servis One, Inc. d/b/a BSI Financial Services has issued a letter to me fraudulently claiming that my mortgage was transferred from XXXX XXXX XXXX  to XXXX XXXX on XX/XX/2021. I have confirmed with XXXX XXXX XXXX  that they currently hold my mortgage ( as of XX/XX/2021 ) and the servicer is XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. The loan has not been assigned to XXXX XXXX and the servicer is not BSI Financial Services. BSI Financial Services provided a contact address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX and requested that all payments be remitted to this address. The letter failed to reference my loan number or the amount to remit, and only included the information
Consumer complaint received 2021-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dovenmuehle Mortgage, Inc. (NY)

XXXX reported that I was 90 Days delinquent in Mortgage Payment. 
The loan for XXXX Granite Woods Loop was initially taken out w Dovenmuehle Loan # XXXX and my mailing address at the time was XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had automatic payment set-up for the mortgage payment from my bank acct. for Dovenmuehle. We moved away to our new address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX and the mortgage was sold from Dovenmuehle to XXXX ( Loan # XXXX ) last year XX/XX/2020. In the interim all notices went to my old address and was not aware of the mortgage transfer. By the time I became aware XXXX. payment lapsed. When I became aware, I paid off the balance in a Lump Sum amount and brought the XXXX Acct current. We request that the negative credit reporting from XXXX be expunged and retracted. We are available to further discuss this and may be contacted on my cell # XXXX. I would like to thank you for your favorable consideration of this request as our records prove that never before missed a payment on our previous payments and loan w Dovenmuehle.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX XXXX-Balance {$840.00} XXXX XXXX XXXXXXXXBalance {$1500.00} XXXX XXXXXXXXBalance {$760.00}
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MD)

I was in and out of hospital in XXXX XXXX due to XXXX XXXX XXXX. In that time my wells Fargo account, which I had set up for autopay in XXXX, something you can't can't unless your account is on track, and when they double dinged me for payment it messed up the autopay. The computer algorithm decided this fate for me, not a human. Then I ended up hospitalized with XXXX issues affecting my XXXX and XXXX. Emerging from this haze I'm working on getting everything back together and Wells Fargo is the only vendor who will not work with me. Everytime I call I'm told the supervisors are in a meeting and to leave a voice mail but I never get my call returned ...
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (PA)

EQUIFAX Experian & XXXX has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and XXXX, XXXX, Experian has violated my privacy experian inquires/ ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  launch servicing, ll XXXX  INQUIRES/ ACCOUNTS : launch servicing, ll ELECTRONIC MERCHANT SYST XXXX INQUIRES / ACCOUNTS : LAUNCH SERVICING, LL XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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. (TX)

I XXXX the natural person continue to be a victim of fraud upon the US DEPT. OF EDUCATIONXXXX, XXXX XXXX OK unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US DEPT XXXX OF EDUCATIONXXXX, XXXX XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX.US DEPT . OF EDUCATIONXXXX, XXXX XXXX XXXX continues to appear and reappear, This is by far a violation of my Constitutional Rights. US DEPT. OF EDUCATION/XXXX, XXXX XXXX XXXX Is an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

I received a letter on XX/XX/XXXX from a collection agency named TransWorld XXXX XXXX the letter stated I owe them {$240.00} for a medical bill and it listed the medical facility name. I did use that medical facility in mid XXXX for an emergency. I am a 100 % XXXX  XXXX military vet. I have XXXX different types of medical insurance that I provide every medical facility and all my bills are 100 % paid. So I was shocked to received this letter from this unknown collection agency. I have called and spoke to the medical facility billing department 4 times since receiving this letter trying to extort {$240.00} from me. The medical facility billing department and the doctor billing department does not have any balances owed in my name. They double and tripled checked their records on every call. I have no balance with anyone. I don't owe anyone. They even asked for the fraudulent collection agency name that is trying to extort {$240.00} out of me. They have never heard of this company. So why is this fraudulent collection agency sending me a letter for an account that doesn't exist and trying to extort {$240.00} from me? The original creditor listed on the letter.. has told me on 4 separate occasions I have a {$0.00} balance with them because my XXXX different medical insurances paid my bill in full, like they do for every medical bill I get. I want this fraudulent collection agency TransWorld Systems Inc to be held accountable for their fraud..
Consumer complaint received 2021-12-03
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: JPMORGAN CHASE & CO. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. JPMCB  CARD is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. PLEASE DELETE the accounts below : ( JPMCB CARD XXXX, JPMCB CARD  XXXX )
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AL)

Comenity Bank calls me every day about settling a debt that is less than {$5000.00}. The calls are after XXXX XXXX but they also have been calling on XXXX before XXXX XXXX in violation of the FDCPA. I wish to report them for this practice.
Consumer complaint received 2022-04-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$8000.00} / XX/XX/2022 XXXX XXXX/ {$0.00} /
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/XXXX.
Consumer complaint received 2022-04-27
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)

Hello Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

after this incident I no longer have peace there are many calls with offensive words that I am receiving daily I received many threats I am afraid to go out on the street because of these threats
Consumer complaint received 2021-03-30
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. (MI)

Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;