davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MS)

I was NEVER contacted by this company about any owed debt. Now I have a major derogatory account on my credit report. If I had been notified about any debt, I would've paid said debt. But I have not been notified at all.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened several business checkings accounts with Bank of America for a new business I am starting. I expected to be able to receive a BofA business credit card on application number XXXX given the funds I have deposited into checkings and given my excellent personal credit history. BofA has denied my credit card request and has shut down the ability for customers to call in for appeal. Both customer service line numbers XXXX and XXXX do not allow you to speak to anyone. This effectively locks me into paying multiple fees to maintain a checkings account even though I should absolutely be allowed to use a BofA credit card that would allow fees to be waived. They have essentially erected walls around my ability to appeal their decision and have unfairly locked me into paying fees.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (MI)

XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like 90 going north. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie.

They should be fined and penalized by the CFPB.

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I checked my credit report and I noticed that there was an error on my credit report due to missing information, my phone number is not on my report. 

Please add my phone number XXXX to credit profile, I am having trouble identifying myself because of this missing information.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I overpaid my credit balance, combined with a charge refunded back to my card that totaled just over {$1100.00}. On XX/XX/2022 a balance refund was initiated by me, and a check was sent to my address. I informed them 2-3 days after requesting the refund I was moving and was assured it would arrive in time. By XX/XX/XXXX this check had not arrived and I was moving from my house and had to call yet again to cancel this check. I requested the money logically be refunded back to the card it was charged from - the card was very clearly linked to my account. 

They denied being able to find any such account in the system requiring me to provide them with my account information. My account information was restated back to me correctly, the first time. After requesting an estimated time frame for canceling the check and depositing the money into my account ( initially stated as 10 days ) the lady yet again repeated my account information back to me this time INCORRECTLY. 

By XX/XX/XXXX I have heard nothing back from them and no money has been deposited into my account. I called, yet again, to understand what was going on. The next lady assures me that I will be called within 48 hours because the money should most definitely be deposited into my account and she 'escalated " the issue ( read as did nothing because that is what happened ). Now XX/XX/XXXX ( around XXXX XXXX  ) I call YET AGAIN because I never received a call back within this mythical 48-hour time frame to inform me why my money has not been deposited or what in gods name is happening. 

I was then told, that it was not 10 days, no it is 14 days. I would have my money deposited no later than 14 days, and yet again, wait for the money to be deposited. XX/XX/XXXX, I am now filing my complaint as it has undoubtedly been far longer than the federal regulations allow for my money to be returned upon the initial request for a refund. In fact, it has almost been an entire month since this whole charade started, I still don't have my money, I now have a balance, and they are saying it will take ANOTHER 14 days to even return the money to my credit card. 

This is absolutely absurd. Not only will they not provide me any information I request such as at what point in their 'research ' process they are or have they even attempted to deposit the money back into my account but every time I call I am told the waiting periods for literally anything and everything will take 2 weeks. 

They have my money. They told me they have not tried to deposit it. Why am I waiting 2 weeks for them to put the money back onto the credit card? All I am told is they need this time to do " research '' ( whatever that is even supposed to mean ) to ensure the money wasn't deposited into an account they have not even tried to deposit the money into.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NV)

I have had nothing but issues since I opened my Ulta Commenity Store card. I have never physically received the actual card itself. I have for this first time received my first physical statement in the month of XX/XX/2024 since I opened this account. Because I have not received the previous statements and nor physically had the store card to set up online access, it's hindered my ability to abide by all payment requirements. In lieu of this, my consumer reports has been greatly affected by this single account. I have had trouble moving into a house along with many other things. 
In accordance with 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I am revoking oral & written permission to report these late payments on my consumer report due to the nature of me not being informed properly to make payments. 

Also as a violation 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal I am notifying of you these violations and choosing a peacefully resolution if granted.
Consumer complaint received 2021-10-11
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. (TN)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against XXXX, Experian, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, Experian shows XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?
Consumer complaint received 2023-03-02
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: ENCORE CAPITAL GROUP INC. (CA)

There was a credit card opened in my name and the last name is spelled wrong. I have used XXXX XXXX  to dispute {$3200.00} credit for the last 4 years. This is Fraud due to the fact that the purchase were made in XXXX XXXX and it is 80 miles from my home. I have been receiving letters from Midland Credit Group and phone calls. They even have in the notes that I have been disputing this and now it is back on my credit report and receiving letters from this company. 

XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/XXXX a call was made to me by a rep that fraud was attempted to be committed. I was told the account would be blocked. There were a total of 6 checks that was cashed with invalid name and address. They denied it saying app was logged in the day fraud was happening. I appealed it through email and through mail. I have called of 10 times to talk to security through supervisors. Phones always disconnect me while waiting I have not received any letters of decision or able to reach anyone about this matter that know what is going on. My daughter was in XXXX college at the time which is 4 hrs away from where these checks were cashed. I am now ready to seek a lawyer at this point due to no resolution m. The bank has take my money and my daughter money out the account.
Consumer complaint received 2020-12-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a very aggressive and threatening call stating that Ace Cash Express would take me to " Immediate proceedings Court '' or locate me at my home or place of employment, they gave me a case number and stated that they are planning to sue or take criminal action, I have XXXX XXXX and its triggered a XXXX XXXX
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In XX/XX/20 I refinanced my vehicle loan through my credit union. I was originally with XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX for my refinance, which was approved and XXXX XXXX XXXX XXXX paid off the loan through XXXX XXXX XXXX. On XX/XX/20 I called XXXX XXXX XXXX who confirmed payoff received. On XX/XX/20 I called XXXX XXXX XXXX and they confirmed payoff information was reported to the credit bureaus on XX/XX/20. Ive waited and tried to speak with XXXX XXXX and XXXX XXXX XXXX about my credit report showing both parties having an open loan for my vehicle finance and they advised me to reach out to Equifax. Ive tried calling and have been told to go online and dispute with Equifax to have the loan with XXXX XXXX XXXX removed, however, the online option for disputing is not available and has not been available on multiple occasions. It has been past 30 days since receipt of the original finance companys acknowledgment of payoff with no correction and it is effecting my ability to apply for a home mortgage
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with XXXX XXXX  on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX VIN : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to XXXX XXXX  was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to XXXX XXXX sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with XXXX XXXX. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MI)

I have reported that I did not open this account and that I dont even have the bank account that was making those payments. My entire bank account was compromised as well and I have an entire new bank. I had just checked my credit score to get my first apartment which is where I saw this on my credit report. They claim because payments were made that they were me but those payments were never even consistent when I looked into it. I am always consistent with payments which is what I tried explaining to them.
Consumer complaint received 2020-12-03
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. (TX)

This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with XXXX XXXX on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX VIN : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to XXXX XXXX was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to XXXX XXXX  sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with XXXX XXXX. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.
Consumer complaint received 2020-12-03
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: Upstart Holdings, Inc. (FL)

I checked my credit report on XX/XX/20, and discovered 3 credit inquiries that were fraudulently made in my name attempting to get funds from Upstart. The inquiry dates were on XX/XX/20, XX/XX/20, XX/XX/20. I immediately put a freeze on all three of my credit reports with the bureaus. I spoke with a customer service representative with Upstart who informed me that {$4000.00} was approved and close to {$4000.00} in funds were given to the person who fraudulently completed the loan application.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX and XXXX I sent {$5000.00} to someone to purchase a vehicle. Thats {$10000.00} that I sent total, the payment of {$5000.00} on the XXXX was sent through XXXX used through my chase bank app. The second payment of {$5000.00} was sent on XX/XX/XXXX through a wire transfer from my chase bank app to his XXXX bank account. We are in XXXX and he hasnt spoken to me since XXXX and I call and leave messages no response. I finally called chase fraud and put in a claim with them. They let me know the next day that I couldnt receive the funds back and it was nothing they could do. So now Im out of {$10000.00} and still no vehicle.
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Have an old account with XXXX  XXXX  that was sold to portfolio Services LLC. I received call as time of day from random numbers. They pretend to be calling from an attorneys office and when I do answer or tell them to stop calling they get rude threatening and continue to harass me
Consumer complaint received 2022-07-20
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx 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 # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-24
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. (NY)

I XXXX XXXX the CONSUMER and NATURAL PERSON sent a letter to Equifax on XX/XX/XXXX disputing 7 different accounts that are being reported negatively on my consumer credit report. I wrote the account in detail so there would be no confusion as to what accounts I am speaking about. I wrote to them concerned because I believe they're violation my right pursuant to 1681b ( 2 ) because I never gave them written permission to furnish these private consumer transactions. So I asked them to provide me proof that I did and gave them 30 days to provide that information to me to look over. I believe they're also in violation of 1681a ( 2 ) ( B ) by including an approval of an extension of credit. Please help me with the situation being that it has been very hard to get to my life after Corona Virus hit us all so hard this past year.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # 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, has violated my XXXX. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

In XXXX of 2019, Department Stores National Bank ( DSNB ) aka Macy 's Credit Card, closed my account without warning. I paid my account on time and was never late with DSNB. When they closed my account my Credit Utilization went up and my Credit history age went down, adversely impacting my credit and credit score. I contacted Macy 's AKA DNSB in late XXXX to ask them to re-open my account, since it was just closed 10 days earlier. They said that I had to re-apply for a card, which would also adversely affect my credit score, due to a new credit inquiry. After several calls with no resolution directly with DSNB, I filed a complaint with the XXXX XXXX XXXX. A lady named XXXX XXXX, from Macy 's executive office did care to resolve the issue. I advised her I needed a call back from a Senior Manager of DSNB to escalate my issue. She did not forward my request to a Senior Manager, and / or a Senior Manager from DSNB, failed to contact me about my escalated issue. I would like you to help me resolve my issue. I want it to be known publicly how DSNB aka Macy 's credit treats and punishes its loyal customers. 

Sincerely, XXXX XXXX