davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (UT)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (IL)

Citi Bank company purposefully dropped my credit limit under what I owe by almost {$1000.00}, without warning or time to bring my balance down under the limit. ( Previous limit : {$4500.00} ... .dropped to {$2300.00} ... .when I owe $ XXXX ) Following is what happened, XX/XX/XXXX, 2017 just before midnight, I made a payment of {$1000.00} to Citi. I realize in the morning payment was for the wrong card. I called and asked Citi stop the transaction. I was told they did not see it in their system. As a precaution, I called my bank and explained what happened and to stop this payment. XX/XX/XXXX 2017, they payment was removed from my account. I called and disputed it. My bank reversed the payment on XX/XX/XXXX, 2017. Now on XX/XX/XXXX, 2017, Citi drops my credit limit to {$2300.00}, which is almost {$1000.00} ( {$970.00} ) under my current balance. I in all good conscience, called and advised them of a mistake. I let them know I would pay a stop transaction fee if needed. But to change a persons limit, purposefully making the amount well, under their current balance, WITHOUT allowing me 60-90 days to pay down my balance to reach the new lower limit .... is just plain spitefulness. I do not care that they dropped my limit! I am concerned that by doing what they did, it is going to reflect negatively on my credit report/history. Which is what they wanted in the first place. I am ashamed that I ever accepted this card.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I 'm filing a XXXX complaint against Equifax today arising out of their refusal to remove a XXXX tax lien that was withdrawn by the IRS, which it is now falsely reporting as active. 

( My XXXX complaint is case # XXXX XXXX involves XXXX lien that the IRS withdrew. A copy of that withdrawal is attached for your reference ). 

The IRS withdrew a XXXX lien. ( See attached copy ). Per the attached notice from Identity Guard, received today, Eqiuifax is now falsely reporting that this lien is active. ( See attached ). 

Please help.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (LA)

I filed a dispute 3 months ago for a transaction double charged. They locked my account with a balance of XXXX now it is at XXXX. For 3 months I've called at least once a week most daily. Offline teams refuses to call and support refuses to give me the contact number for them or the president of the company so I could address it directly myself after 3 months of this hour fight daily with them. I've done and complied with every request they have had as of Wednesday I was hit and destroyed by a hurricane I was actually on the phone with service team and she listened as my home was being destroyed and the fear of us as we thought our lives were ending. I now have nothing left no home no vehicle nothing and I've talked to her since because all never forget that day or the sadness I felt she could listen to my world being ripped.from under me and that voice I'll never forget and still refuses do help me access my money to survive this tragedy. Its sickening to know this company can be so heartless and take from someone who had everything ripped away from them and still.do.nothing to.help.
Consumer complaint received 2017-07-19
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. (TX)

Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXXXXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
Consumer complaint received 2022-08-10
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. (UT)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Collections : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Credit Management entered a contractual agreement to remove this account from my credit report in exchange for payment which was cashed by Midland Credit Management on XX/XX/2016. Henceforth, I am attaching a copy of the check which was cashed under the condition that the account was removed in entirety from all the credit bureaus the company has reported this account to. In the event that this company continues to refuse to remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Twice I have disputed an account with XXXX that is showing on my credit report with a $ XXXX past due balance. I have not opened this account nor have I ordered from this site. They will not remove this from my credit report.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX  Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info- Address XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Finance Companies  XXXX non specific Contact info-Address XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Automobile Dealers, Used Contact info-Address XXXX XXXX XXXX XXXX XXXX NYXXXX Phone number- ( XXXX ) XXXX US SM BUS ADMIN ODA Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-National Credit Card Cos. 
XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Personal Loans Companies XXXX  Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXXXXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, VAXXXX Phone number- ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Important dates-Inquiry date-XXXX XXXX XXXX  Removal date-XXXX XXXX Business type-Finance, personal Contact info-Address XXXX XXXX XXXX XXXX, NYXXXX Phone number- ( XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX  Removal date-XXXX XXXX Business type-Banks and S & Ls Contact info-Address XXXX XXXX XXXX XXXXXXXX, XXXX Phone number- ( XXXX ) XXXXXXXX XXXX XXXX Important dates-Inquiry XXXX XXXX, XXXX Removal date-XXXX XXXX  Business type-Automotive Contact info-Address XXXX XXXX XXXX  XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXX
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a credit card with Bank of America more than XXXX years ; never late payment or any problem. I was offer the check I can cash and just paid a fee and 0 % interest for a year. I call and make sure just a fee once and nothing else. So I used it and only one month later they send me a amended term I have to paid {$12.00} a month for protection fee that I do n't default the payment. I was never default or late payment why should I have to paid a protection fee. They said if I not accepting to paid a monthly fee than they have to close the account. I was totally deceived by Bank of America once they get you into using their promote now you ca n't get out of than they want to squeeze more out of you. I can cancelled the account that 's what they offer and that will ruin my credit even I have XXXX credit scroot. This is a total trap to their customer.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX has sent constant voicemails filled with harassment including reaching out to my family members multiple times. The latest voicemail I received a couple of months ago, XXXX XXXX   told me things would get really bad for me if I didnt call them back that day. This has to be illegal.
Consumer complaint received 2015-03-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Forged signatures of my deceased father and step mother on XXXX note and deed. As well as loan application. By Countrywide Home LoansRefusal to take payment by Bank of America home loan servicing in XXXX XXXX, then defaulted the loan, then sold the the loan to XXXX. They never sent me notice of sale recorded with XXXX XXXX records office. And I received notice of transfer of loan to XXXX XXXX XXXX XXXX five months after transfer on XXXX XXXX XXXX. The document was dated XXXX XXXX. This was received only after calling them to report their sale being void and that I never received documents or any notice. 
Failure to allow me to assume deceased fathers loan. Required me to refinance in my name and credit. Recorded sale and transfer of XXXX forged deed and note being sold in XXXX has XXXX XXXX allegedly Vice President signature. No other signature. She has never been a vp for any company. And only a account executive. Last employed with Countrywide and Bank of America XXXX. She is listed as a Robo-signer online. Her profile online has her work history as proof. notary XXXX CA know for this kind of fraud. Request for recording made by B of A. Bank of America was not the lender only the servicer and can not default a loan in there name or transfer assignment or sale of deed or note. Only the original Lender which Countrywide went bankrupt XXXX. Also XXXX purchased and made deal with B Of A after knowing that their loans originated by Countrywide are fraudulently done by their own record of winning judgement XXXX of XXXX against Bank of America foe selling them these loans. Yet they still made the agreement. So XXXX is XXXX part knowing of fraud and still contracting and helping these defaults and foreclosures. So they are guilty willingly contracting. I feel like this shows back hand deals between companies to settle dispute. Why would either one deal with the other concerning these Countrywide loans??? 
Also cost of fees and charges go up and up. No reason for this increase in cost every year.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Syncapay, Inc (NY)

I received a {$10.00} promotional prepaid gift card from XXXX XXXX XXXX XXXX XXXX XXXX now owned by Syncapay , Inc. XXXX for completing an online rebate form after I purchased a graphics card from XXXX XXXX. 

The card expired in XX/XX/2021, and when I called XXXX 's customer service line on XX/XX/2021 to see about my options for retrieving my funds, they told me that the funds had expired along with the card, and there was no way for me to retrieve my funds. My money was essentially gone.
Consumer complaint received 2019-02-28
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: SYNCHRONY FINANCIAL (TX)

I took a trip to XXXX and booked an apartment through XXXX.. I paid {$560.00} dollars to stay in a poorly appointed, misrepresented property. I filed a complained to XXXX about the situation without any resolution. The XXXX had non working toilets that flooded, bugs, ran out of water - it was bad .... 

Next : I filed a complaint with PayPal : Dispute Case ID : XXXX. 
And they denied my claim ... I am not sure what else to do, I feel like I was cheated and my families trip was ruined. 

I should have taken pictures of the property, but it didnt cross my mind. All I have is a copy of the text msg between the property owner and I ...
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO Bank, N.A. (MN)

I Made An Online Purchase And Did n't Receive The Product. I Had Contacted The Merchant And They Sent me a Refund E mail Telling Me To Contact My Bank " BMO Harris '' in Order To Get A Refund. I Contacted BMO Harris and They Told Me That They Would Send Me A Claim Form To Fill Out And To Drop It off at Any BMO Branch. 
After A Week I Still Did n't Receive The Claim Fourm And Contacted BMO Harris Again And They Said They Would Send The Fourm Again. Instead Of The Claim Forum I Received A Letter Telling Me That My Dispute Is With The Merchant Over An Authorized Transaction And That They Will Not Continue The Claim And BMO Was Closing My Claim. 
( This Is The Refund E mail From The Merchant ) Important Order Info Inside ... 

Act immediately if you want a 100 % REFUND on your order. Your order will NOT ship! Please read below and follow the instructions very carefully. Failure to follow the instructions will mean you will not receive your refund. 

As was stated in a previous email, the money you paid for your order is being sequestered by XXXX and as much as we would like to refund you directly, we can not as we have been locked out of managing our XXXX Account. 

However, this does not mean that you can not receive the FULL REFUND that you are owed. Follow the following instructions in order to get your money back ASAP. 

1. If you paid for your order via XXXX, log into your XXXX account and effect a dispute on your payment to XXXX XXXX. If you paid for your order via Credit Card, please contact your bank or credit card issuer as soon as you are able. 

Again, we sincerely apologize for any inconvenience this has caused by XXXX. 

The Management XXXX This Is The Only Information The Merchant Is Providing Witch Gives Permission For My Bank To Reverse the Charges. 
I Do n't Know Why The Bank Will Not Reverse The Charges??
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX Business type-Bank Credit Cards Contact info XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEXXXX XXXXXXXX number- ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info- Address XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX ) XXXX XXXX  Important XXXX XXXX XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance Companies XXXX non specific Contact info-Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MNXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Automobile Dealers, Used Contact info-Address XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXX US SM BUS ADMIN ODA Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXXXXXX XXXX date-XXXX XXXX Business type-National Credit Card Cos. 
XXXX Important dates-Inquiry date-XXXX XXXX, XXXX Removal XXXX XXXX Business type-Personal Loans Companies XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal date-XXXX XXXX XXXX XXXX Important XXXX date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, XXXX Phone number- ( XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal XXXX XXXX Business type-Finance, personal Contact info-Address XXXX XXXX XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Banks and S & Ls XXXX XXXX XXXX  XXXX XXXX XXXX, DEXXXX Phone number- ( XXXX ) XXXX XXXX XXXX  Important dates-Inquiry XXXX XXXX, XXXX Removal date-XXXX XXXX Business type-Automotive Contact info-Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX Phone number- ( XXXX ) XXXX