davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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 US DEPT ED Account # XXXX, XXXX/DOFED account # XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Re : Black Friday Appliance Sales Event. I applied for a credit line in order to purchase a full four piece appliance package. The credit line and the order went through without ANY published terms, notice of credit line or financing. I received several emails in sequence, none of which said what my credit limit was or detailed what ( if any ) financing options I had been granted. The next day I received an email stating that my order had been placed on hold. Upon calling into customer service, I was told the order was cancelled. Customer service then transferred me to CitiBank where my credit line was increased to {$4000.00}. I have good-excellent credit, so I was surprised that it was such a meager amount. I called the Home Depot customer service again and the service rep helped me reconstruct my initial order. The customer service representatives were all friendly, polite and knowledgeable. The bottom-line is : the {$4000.00} credit line was not enough to purchase the appliance package that I was trying to purchase and Home Depot does not allow consumers to split payment on appliance purchases. If I put in two orders, I lost the Black Friday savings - totally not acceptable. This is low life corporate scamming. This is corporate bait and switch. Essentially, the offers are set-up to entice consumers into opening a credit line, a small credit line is granted without giving the customer a chance to review the terms. Now I am stuck with a credit pull on a credit line that was useless to me to begin with. I will be reporting to the credit bureaus. Shame on Home Depot and Citibank for their endless greed and trickery with the American people.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I originally purchased an airline ticket through Chase XXXX rewards for a flight on XX/XX/XXXX. I used XXXX points, equivalent to {$470.00}. Because of covid, the flight was cancelled and a voucher was given. This voucher was used to purchase a flight for XX/XX/XXXX. XXXX XXXX cancelled the flight day of and put us on a flight for XX/XX/XXXX which was again cancelled day of. 

I contacted Chase XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I was assured that the XXXX points would be refunded and that I needed to wait a certain amount of time, from two billing cycles to 3 days. Each time the deadline passed I would call and be assured again that the points would be refunded. It has now been over 3 months and XXXX hours on the phone with Chase and I still have not been refunded the points. Today, XX/XX/XXXX, I was told again to wait XXXX hours because their refund system was down. This is the second time I have heard this excuse.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I used to have XXXX Internet service about XXXX year ago. I cancelled the bad service for a better one. I called and spoke to a representative in order to cancel, once we were done I asked what I should do with the modem to which the representative told me I could either throw it away or return it but the modem was outdated and they no longer needed it. I just put it aside but did not throw it away. I am now being contacted by a debt collector for {$75.00}.
Consumer complaint received 2022-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX It shows that this account was opened in 2015. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2021-12-03
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 (WI)

XXXX XXXX charged my credit card for XXXX in error. The quote I received was for {$480.00}. I called immediately and asked them to credit my credit card for XXXX because that was not our agreement. After a week or so they did send a refund of XXXX to Bank of America. In the mean time I called the credit card and asked them to stop payment for the charge of {$730.00}. They did that. Finally, I received the refund from XXXX they said they sent a second refund to Bank of America. And Bank of America did charge back to XXXX XXXX XXXX Bank for the {$730.00}. Bank of America said they sent the money back to XXXX XXXX XXXX. I have made numerous calls ( over XXXX ) to XXXX and Bank of America. The last person I talked to I talked to at Bank of America was XXXX, XXXX of claims at XXXX. I have also contacted XXXX in an attempt to clear this mistake up. I started talking to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX WI XXXX. When the XXXX XXXX XXXX would not help me I started talking to the XXXX XXXX office and they continued to claim I owe them money. I do not owe them money at all. In fact, they owe me money for the {$370.00} I paid for the policy XXXX. When I could not get XXXX to stop claiming I owe them money I cancelled the policy on XXXX XXXX 2021. The policy was only in effect for approximately XXXX weeks before I cancelled it. Please help me. I have been working this since early XXXX of this year. I have spent numerous hours on the phone with Bank of America and XXXX and they each claim it was the fault of the other company. I feel like I am stuck in the middle of this squabble between XXXX companies. I only signed papers for XXXX policy. That was XXXX and the cost was {$370.00}. I am due a partial refund of the {$370.00} I paid. XXXX started this mess when they charged the wrong amount. {$730.00} when they quoted a much cheaper price of {$480.00}. The policy and the {$480.00} was the only thing I agreed to and I should not be held responsible for their mistakes. I can be reached at XXXX. My name XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, WI 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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : XXXX, ID, Identity Theft report
Consumer complaint received 2022-08-02
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. (GA)

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 Employer : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX 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 XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX, GA XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 — Personal information incorrect
Company: EQUIFAX, INC. (SC)

XX/XX/XXXX, Equifax. I checked my Equifax consume credit report online.My name is incorretly spelled out. My XXXXersonal Information show that I lived in XXXX different address at the same time. Check the DATES. THE DATES ARE INACCURATE. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The former address is inaccurate. The former address needs to be deleted. The current address is inaccurate. The XXXX XXXX should not be added. The current addres need to be updated. I have added documents from the Equifax website and documents of my address were I have been living sents XXXX. I couldn't have lived at another address in XXXX. That's Impossible. This is a violation of 15 USC 1681.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX  has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (VA)

On XX/XX/XXXX, I pulled my credit report and after going over I found out multiple a collections on it that I did not have any idea where they came from, at that time, I did not do anything, recently, on XX/XX/XXXX, I pulled my updated credit report and found out the following collection accounts XXXX XXXX XXXX, allegedly collecting on behalf of XXXX XXXX XXXX XXXX, with two alleged account numbers XXXX and XXXX with an alleged balance of {XXXX} and {XXXX} ; both accounts definitely do not belong to me. I have no other reason but to believe that I am a victim of Identity Theft. In the other hand, just a few weeks ago I received a collection letter from XXXX XXXX XXXX attorneys, trying to bring a judgment on me with an alleged account # XXXX, and they are trying to collect an alleged amount of XXXX} and/or any other amount. Looking forward to remove those accounts on my credit report, since I don't have any idea about those accounts that XXXX and Transunion are reporting.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX  transunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (PA)

This is in reference to my Apple credit card. I asked Goldman Sachs to change either the statement closing date or the payment due date and they refused. They said '' that's just the way it is. '' The statements are printed on the first day of the month and the payments are due on the last day of the month. I do not recall being advised of this stringent policy when I applied for the card.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am currently outside of the country right now, which is why I am not able to go in person to the Bank of America branch to speak to them directly. However, on the phone they are no help. It seems like we get to a dead end each time. This is what happened. 

Back in XXXX, I was checking my email, when I saw my " sent '' outbox included an email to XXXX customer support. It said to change my phone number associated with that account. However, I never sent that email. Someone hacked into my email, and was able to gain access to my XXXX brokerage account and change my password and phone numbers associated with the accounts. From there, the hacker proceeded to withdraw {$16000.00} from my bank account, which was linked to my bank of america checkings account. This was done over the span of 4 months, starting in XXXX. I never noticed the funds being removed from my account, as they were done over time. I only caught it after I saw that email on XXXX XXXX, 2021. I have started a fraud claim with my bank, and have contacted XXXX  to shut down my brokerage account completley. My checkings account is also frozen, as I requested it after this incident. I have not authorized a transfer of funds to XXXX since XXXX of 2021. 

The bank refunded me a temporary credit. As it was fraud, I trusted in the bank 's abilities to handle it with the merchant, XXXX. However, XXXX was uncooperative and their " results '' yielded nothing. Months later, in XXXX, Bank of America wants me to return the money THAT WAS STOLEN FROM ME back to them. I am insured up to {$100000.00} in Bank of America 's debit card/account system. So they locked my accounts, set me to - $ XXXX and told me to pay up or else they would give my info to a debt collector. I tried to talk to them on the phone and explain that it was FRAUD and my money the money they credited me has already been used. Not only is this wrong. It will negatively affect my credit score, and I have a debt collector contacting me now. I also do not have any money to pay them back for the money that was stolen from me. It should not have been a disputed claim. It should have been directly FRAUD. I want the debts removed. They have already closed my account with them. I also field an Internet File complain center report, as the hacker 's IP, phone number, as well as the emails he or she had with XXXX to allow them to get access to my account are all in the file. XXXX has been usless. So the bank thinks i owe them now. I contacted XXXX. Inconclusive.