davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

I am a victim of identity theft I have two case numbers with XXXX XXXX police department in Georgia from my purse being stolen I am still suffering from things being opened in my name I am requesting that the company provides an ID as well as my signature to open this account if they do not provide me with a copy of my ID that I have since the report was made then I am demanding that be deleted off of my report this is not my account please remove from my account
Consumer complaint received 2022-09-10
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. (CA)

On XX/XX/2021 XXXX received by certified mail, an ftc report, police report and affidavit of truth advising them of instructions on what to report as well as remove from my credit report. They have failed to follow my written instructions. 
On XXXX XXXX, XXXX Experian disputed department received by certified mail my ftc report, police report as well as an affidavit of truth as well as a statement of violations. They were given written Instructions on what to report/remove from my consumer report. All 3 bureaus was sent all of the corresponding information. Everything that needed to be notarized was so.
Consumer complaint received 2021-10-05
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: Waypoint Resource Group, LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I purchased the Equifax credit monitoring product to monitor my credit score and to see what was in my credit file. OnXX/XX/XXXX my credit score was XXXX. On XX/XX/XXXX I purchased the Equifax complete premier plan to check my score and it had dropped down to XXXX. I clicked on the tab to see what Equifax said the reason was for my Equifax score dropping from a XXXX on XX/XX/XXXX to a XXXX on XX/XX/XXXX 
This is what Equifax said : Helping your score Your credit score is low enough that you do not have any significant factors that are helping your score. You should read the factors that are hurting your score closely, and make an effort to change any negative behaviors or habits that are hurting your credit score. 
Hurting your score You've opened credit cards recently. ( 1credit card which was on my report last month ) There is insufficient information about mortgage accounts. *The same information is in my Equifax report that has been there for almost 14 years in reference to my mortgage and this note was never in my file. * I feel that this Equifax product is not reporting accurate credit scores! I have had old negative items removed, balance decreases, and positive payment history and my score with this product is not increasing only dropping!!!. I have no collections or public records in my credit file. I believe this product that Equifax is selling to consumers is very deceptive to keep you buying their product especially if you're trying to improve your credit score and credit report.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Recovery Systems, Ltd (FL)

Called on XX/XX/21 and told me they have papers to serve me at my work or my home, gave me a case number and told me to call them back and place a " stop order. '' When I called they asked for my social security number to verify my identity which I refused to give, they then told me that they sent my case to litigation but could not provide what court it was in. Told me the case number was just an account number with them. I questioned how they could possibly serve me papers without a court case number. They hung up on me after I refused to give them any information.
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: GMA Investments, LLC (TN)

Got a call today on XX/XX/2018. Messgage as very vague but it stated someone representing me needed to return the call before a reccomendation was made. The name of the company was never mentioned. The called from.a local XXXX number even though the voicemail left the number XXXX which is XXXX XXXX in XXXX. They called previously and when I called they never stated the company till I asked then said I owed a debt I did not recognize so I asked for a debt verification letter. The lady said she could only email it because it was an electronic transaction.
Consumer complaint received 2017-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (GA)

I 've been struggling with spotloan making payments .I 've already paid the amount. They want 3 times the amount borrowed. Predatory lending is illegal in Ga. The balance is n't going down.I ca n't afford to pay 3 times the amount borrowed. It 's ridiculous.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On my Equifax cred report, it shows a previous address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I have never lived at this address. Can it be removed from my record?
Consumer complaint received 2017-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (AL)

LTD financial calls every day, repeatedly. We had ignored the calls because they are masking their number from caller ID. Today I picked up and they wanted to talk to a person who does not live here, and has never, ever lived here. I advised them that this is not that person 's number, and never has been. The represetative was very rude, and over talked me.
Consumer complaint received 2021-10-05
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: Bread Financial Holdings, Inc. (GA)

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

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Consumer complaint received 2024-03-14
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

My wallet was misplaced and someone took my card and used it. Fraud transaction on my Chase CC from XXXX for {$700.00}. I reported the transaction as fraud immediately and issued a new card. Chase is refusing to resolve the dispute.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

A check for {$16000.00} was deposited in XX/XX/2023, Chase put a hold on the check as well as restricted my account the following day. They sent me a virtual letter following a physical letter stating that I need to call them or they might close my account. I called the same day and was told they needed to call the maker of the check to verify it. After providing the makers phone number, I was told it isn't 'verified ' and that I have to wait 7 days for the check to clear to access the funds. As expected, the funds cleared within the 7 days, but the restriction wasn't lifted on my account. On XX/XX/XXXX, I went to my local branch to see why and they told me they still need to verify the check by phone, which they were unable to do because the maker out of US territory and the phone number was not a " verified '' number. I was informed that I could also wait for the account to close so that they could send the funds back to the origin ( maker ) so that they could wire it after reopening my account. I came back to the branch on the XXXX, and they told me they would release the funds and I have to call back within 3-5 business days to begin the process. I patiently waited, and I called them back on XX/XX/XXXX, and was told that the funds will not be released until they can speak to the maker, even after I provided phone numbers, etc. On XX/XX/XXXX, I went to a local branch with one of the makers of the check, we both provided our identification however we we're still denied! Was told the only option is to verify the check over the phone, and that Chase would hold on to the funds until they can verify by the phone. The manager also informed us that they use XXXX to verify phone numbers, so the maker promptly contacted their cell phone provider to confirm everything is up to date. I later reached out to Chase escalation department and was told the same runaround, that Chase needs to verify the check by phone, and the number has to be verified by XXXX. We tried to get the funds recalled, and we're unsuccessful since Chase removed the funds and are holding it. The maker had went to his branch too to see if this can be resolved from his end, with no avail. So, this is over 4 months with neither I or the maker that has access to over {$12000.00}! This is just ridiculous an honestly feels like a con or scam.
Consumer complaint received 2021-07-12
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened my account with Bank of America, the account was approved and I received the account number in the email. When I received the debit card in the mail and tried to activate my card with the company, they company then told me that my account was closed and refused to do business with me. They did not tell me the reason, and I have appealed this to the closure department, as well as to their social media team, but I did not get any answer. I have a great credit report and I think Bank of America is discriminating me. They even say that I would never be able to open an account with the company ever again without giving me a chance to resolve.
Consumer complaint received 2016-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (MD)

My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/XXXX.
Consumer complaint received 2021-10-05
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: Southwest Recovery Services, Inc. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

I am making a complaint against XXXX XXXX. A total of {$340.00} was taken from me without my consent or knowledge today XX/XX/2018. I called XXXX to dispute the transaction & was told that my dispute had to go to the escalations dept. The escalations dept from XXXX XXXX called me back within 2 hours with a Rep from the company XXXX XXXX on the phone. The XXXX XXXX rep explained to the bank rep that the account in question does not belong to me, it belong to a male whom they researched & found that hes used other cards to pay his account also. The XXXX XXXX rep told the bank rep to reverse the charge on their end before & posts & the dispute takes longer. Ive called XXXX XXXX 4 times to day, I keep hearing that it takes 6 hours to process the reversal. I placed my first call to the bank at XXXXXXXX XXXX, it is currently XXXX. I need my money back like yesterday. Please help!!!!
Consumer complaint received 2021-07-06
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. (MD)

I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, XXXX, Equifax, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.
Consumer complaint received 2018-06-08
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: RAS LaVrar, LLC (FL)

XXXX XXXX seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their XXXX. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in Florida ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (NJ)

I recently opened an account with M & T bank, and I was excited to join their family, but I recently called to get help with fraud transactions of almost {$500.00}. My debit card got stolen and my cell phone at work. They must of got my pin from when I took out cash at an atm and saw what I punched in on the keypad. Its sad when you ca n't even trust your co workers, and at that your bank to help you with this and get all this money back. They treated me nasty over the phone, and gave me no help M & T bank. Horrible customer service so far! Please help.
Consumer complaint received 2015-09-09
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

We sent money through MoneyGram. I was told that this was a secure way of transferring money because it required them to have a photo id along with the reference number. It says this on the website and this was confirmed at the store. However, this was not the case they picked it up without me ever sending a reference number. I called and spoke with MoneyGram and told there was nothing they could do. I asked to speak with a supervisor who basically said I was out my money and all he could do was file a report. He was then very rude saying that he would just sit there on the line until I either hung up or said yes to the report.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

Dear CFPB, I am a customer with TJX Reward card. Last month I pain my balance in full. In XXXX statement TJXReward card sent me a statement where they charged {$6.00} interest rate while my next billing due date is XX/XX/XXXX. 

In the statement TJX claimed that the subject to interest was {$260.00} which I do n't know how was calculated since my last statement purchased were only {$93.00}. 

I respectfully request TJX reward card remove this interest from my account. 

Worth to mention, this is not a first time when a credit card try to bill interest on fully paid balances, which I suggest you to investigate. 

As well as the legitimacy of TJX rewards card interest rate of 27.99 %. In Illinois usury rate is set at 9 % Thank you in advance XXXX XXXX
Consumer complaint received 2016-07-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In and about the month of XXXX 2016, Ditech sent notice that the amount of mortgages ( and I have XXXX accounts with them ) would be different. Since I have automatic bill pay set up for these accounts, it required an adjustment that apparently missed the timing in some way. Or at least that may be what happened. For XXXX account, Ditech REJECTED the payment due to a change in account numbers that they initiated and of which they did not ( or at least I have no record thereof ) notify me. Therefore, the payments for the month of XXXX were " late '' ( or " rejected '' and then late ). I called to appeal a late fee that was put on only XXXX of the accounts ( the other was not penalized ) and was told my appeal would be submitted. Then the late payment and AN ADDITIONAL late payment appeared again for XXXX, suggesting the corrected XXXX payment was late as well. When I called about that, I was told that the XXXX ( XXXX late fee ) had been dismissed but that XXXX payment was " late. '' I inquired into how that was possible considering that I changed only account numbers on my automatic payment and that submission dates were the same as they had been for years. It was suggested to me via XXXX XXXX and the DItech staff member that the address the payments were being sent to ( and had been for YEARS ) was suddenly no longer the correct XXXX. Again, this is without any notification of a problem with this from Ditech 's end. I appealed again. Oh, and Ditech 's staff person at the time said the first late fee had been removed. Now receiving Ditech 's current statement, XXXX late fees still appear. I pay ALL bills on time ; I have never paid a cent of interest on a credit card because I pay those off every month ( indeed, I have the option with those banks for them to take the billed amount out of account if I somehow missed setting up that bill pay ). Ditech has not communicated well regarding the changes to the account : amount, numbers, and payment address. I believe all is now fixed ( after all of MY effort ) but I seriously object to them charging me any late fees for problems initiated on their end. Please assist me in dealing with them. Thank you.