davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This time last year I was a victim of fraud or a scam through XXXX, Bank of America. I immediately called the fraud department and had them close my account but not before {$3500.00} was transferred to the individual and deposited in the bank in California. I called numerous times and spoke with at least 12 different people over the course of a couple of months period they finally told me there was nothing they could do because I authorise the transaction period I used my mobile phone and my laptop computer. I was trying to speak with who I thought was a representative of XXXX, who I later found out this was a scam Internet site. I stayed on the phone for quite a while speaking with this person but I still did not give out any personal information. I thought the person I was talking to was legitimate at the time. 
After many many attempts to get this resolved through Bank Of America I was finally informed by letter that there was nothing they could do because I used my cell phone. I have been a customer since XX/XX/XXXXand I was shocked at the response and indifference. Apparently they closed the case and I am without my funds.
Consumer complaint received 2020-09-09
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: BBVA FINANCIAL CORPORATION (NY)

I AM REQUESTING THAT BBVA WORK WITH XXXX XXXX TO RESOLVE THIS ISSUE WITH MY CREDIT CARD. THIS MATTER HAS BEEN GOING ON SINCE XX/XX/2020. AS STATED IN THE E-MAIL BELOW FROM MR. XXXX XXXX ( XXXX XXXX ) THEY WANT TO PROCESS A REFUND TO ME BUT MS. XXXX XXXX ( BBVA ) WILL NOT WORK WITH THE MERCHANT ( XXXX XXXX ) SO I CAN GET MY CREDIT CARD REFUND AND HAVE THIS ISSUE REMOVED FROM MY CREDIT REPORT AND RESTORE MY GOOD NAME. PLEASE HELP!!! 




XXXX XXXX XX/XX/2020 XXXX GMT-5 Hello XXXX, I understand your need to get this resolved but BBVA can not assist any further. The charge back was refused by the merchant and/or the merchant 's bank. BBVA has no further rights in this matter. You will need to work this out with the merchant, as we have exhausted our rights through VISA. 

XXXX XXXX XXXX XXXX XXXX - Client Care Analyst II Tel. XXXX XXXX Mailing Address - XXXX XXXX XXXX XXXX, AZ XXXX / AZ-PH-TE-ROA Before you print this message please consider if it is really necessary. Antes de imprimir este mensaje, por favor comprueba que es necesario hacerlo. 

To learn more about the personal information we collect and how we may use such information, please visit www.bbvausa.com/policy/ccpa. 


XXXX XXXX ( XXXX XXXX ) 2XX/XX/2020 XXXX GMT-5 Dear XXXX, Thank you very much for your response. 
I confirm that our system shows that the amount has not been released in our favor, so we can process the refund to Mr. XXXX. 
Could you please confirm if the amount will be released to us or an approximate date when this will happen. 
We remain very attentive to your response. 
Regards, ________________________________________ XXXX XXXX XXXX XXXX Dear Ms. XXXX ; I have been in constant contact via e-mail with Mr. XXXX from XXXX XXXX and they are willing to resolve this matter and clear my account as stated in the communication below he needs BBVA to release the credit and chargeback so this matter can be resolved. Could you kindly look into this so we can expedite and clear my credit account. 


Thank you ; Rev. XXXX XXXX
Consumer complaint received 2021-05-04
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: AmeriCollect (PA)

AMERICOLLECT is trying to collect a debt that does not belong to me. They have also violated HIIPA LAW. I want this debt investigated. I am a victim of having my social security number and drivers license information compromised. I filed a complaint with the FTC as well.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (PA)

On XX/XX/XXXX I received a letter from Carter-Young Inc of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX seeking to collect a debt of {$4800.00} When I contacted the agency on XX/XX/XXXX they told me I owed this money for dorm fees from XXXX to XX/XX/XXXX at the University of XXXX XXXX XXXX XXXX XXXX. Which I attended for 1 month in XX/XX/XXXX after which I returned home to XXXX. I paid for my dorm room and with drew from the university after 4 weeks but this company is now claiming I must pay for the room for 5 months total. This seems like they are trying to get extra money from me.
Consumer complaint received 2021-05-04
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. (GA)

XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX  Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-10-19
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. (TN)

On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/ I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

Date of transactions : XX/XX/2022 XXXX ET- Amount {$800.00} USD Date of transactions : XX/XX/2022 XXXX ET- Amount {$800.00} USD I received 2 emails which showed details of the transfer made via western union into the fraudsters account. I checked my western union account and found that 2 transactions were completed ( shown above ) and 3 more attempts were made to transfer amount into his account, which got canceled. To confirm the completed transactions I checked my bank and I noticed the 2 transfers being processed. 
I called western union XXXX to rush on blocking the transfers being made, since I noticed the amount is being processed but western union declined they can do anything on this stating that the transfer is complete. I mentioned that even in their website tracking was showing one transactions not delivered but western union refused they can help. 
Enclosing a screenshot of transactions shown in western union site with date, tracking and status. 

I strongly believe the flaw in the western union security system has allowed another person to log into my details and transfer money into their account. Please protect the consumer.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

Starting around XXXX XXXX best buy had a problem sending my my bill, providing it online, or providing promotion terms over the phone. Customer service phone lines had hour waits. 
The major of items I purchase at best buy is on XX/XX/24 month zero interest deferred offers. I try to keep track of them and for about a decade I paid them off on time. 
During this time I paid XXXX of dollars as payment toward offiers on the credit cardeven though I did not know where we were on the payments. 
Finally in XXXX I paid a large amount of best buy charges off. Best buy acknowledged they messed up with billing. They refunded me {$210.00} in interest charges and they were to remove a interest I was charged. They never fixed the interest charges. 

In addition other items I bought under promotional offers I would get a price adjustment or the product was returned. Best Buy then would change promotional termswhen they were not supposed to and I get billed for interest. 

Finally items I have purchased would vanish or order not be fufiiled but I got billed for the order.
Consumer complaint received 2020-09-09
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. (MN)

XXXX XXXX continues reporting my account as delinquent and does not reflect that I paid the account in full on XX/XX/2020. They agreed to delete in exchange for full payment but it has been 90 days and they continue reporting as charged off every time I dispute it. They refuse to provide proof of this status and I provide a letter acknowledging that I paid the account but they still refuse to update. Im attaching a copy of the letter showing my account was paid in XXXX, and screenshots showing the before and after dispute status showing they refuse to update my account. I have also reported this to the XXXX, and the MN AGs office. I have disputed directly 4 times with no success.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-20
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

NMAC reported a 30-Day late payment to the credit bureaus on XX/XX/2021. It is Nissans own fault that this payment is being reported late, and they refuse to take any responsibility for it. I was given a COVID-19 extension, and this negative reporting could have been avoided because Nissan could have received the signed extension form back before the payment due date ( XXXX XXXX ) if they had given me accurate information when I inquired about an extension in midXXXXXXXX XXXX. They told me that the extension form had to be mailed, and it could not be emailed or faxed to me. I never received the extension form from Nissan in the mail. So, I contacted Nissan again, and the representative emailed the form to me immediately. 

He told me the form could not be emailed back, it had to be faxed. But when I received the form in the email, it listed an email address for the form to be sent back to. I returned the signed form, and the extension was granted. Therefore, the payment that was extended should Not have been reported late. The extension was already in the works, and it was just tacked on to the end of the loan. When you look at the before and after extension screen-prints I have, you can see that the Past Due amount changed to ZERO after the extension was granted/applied. 

I have the Extension Form. and this is all the documentation that I have since I can not show the telephone conversation where your representative misled me and said he could not fax or email the extension form to me ( which would have saved a lot of time and avoided this problem ), but it had to be mailed. 

So you can see that this 30-Day late payment was not due to any fault of mine. If NISSAN would have just told me that with the extension, they were going to flagged it as a late payment, I would have borrowed the money and made the payment on time. I told this to one of your online chat representatives and he said he would note this on the account. 

So, I dont understand whats going on here, but something is not right. Im being treated unfairly, and it is NOT RIGHT.
Consumer complaint received 2024-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc. (CA)

Upon reaching out to XXXX XXXX XXXX XXXX after noticing a charged off account on my credit report, who is the original creditor, they informed me that the debt of account ending in XXXX was placed with National Enterprise Systems without notifying me. I have not received proper notification from such company and I'm unaware of this debt. If in fact they do believe that I am responsible for such debt, provide the certified receipt with my signature on it stating that I have received such notice.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

I filed a claim with XXXX XXXX about this collection on my credit report on XX/XX/2020 because the amount is wrong! It says {$110.00}. owed but it should be about {$64.00}. I got the results from XXXX XXXX today XX/XX/2020 and it says it was accurate? Then I call AWA Collections myself and they tell me the remaining balance is {$64.00}? So how is that accurate if it is not?! I would like them to fix this asap! How do you have someone paying it off but you can't simply apply it to the Credit Agency? This is my Credit we are talking about and they need to do their job to report and update the correct information. I dont know what kind of investigation that was when obviously it is wrong!
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (IA)

A gentleman from sequium assets continues to call me and harass me about a debt that I believe is not mine. I've asked for proof of debt and he said they mailed it but I never received it. I've asked multiple times for them to quit calling me.
Consumer complaint received 2021-05-04
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. (NY)

XXXX student loans reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to XXXX and the Credit Agency showing that i wa in a forbearance with my student loans. I contacted XXXX with copies of my application for the forbearance and the credit report. XXXX also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This is another complaint against Capital One Bank. I had a Capital One Visa card for years and sometimes put XXXX of dollars a month on it. The interest rate did not matter, for I always paid the entire statement at the end of the month. After two incidents with the XXXX XXXX XXXX division of Capital One, I closed the account with a XXXX balance. Nevertheless, Capital One allowed a charge after the closure. ( It took three notifications to close the account. ) I eventually paid the charge placed on my statement after I closed the account. My check arrived before the cutoff date. Nevertheless, I got still another statement from Capital One for {$4.00} for interest incurred during the mailing time. In other words, I am never to be clear of debt from Capital One. 

Ironically, during this time, I have received four or five notices from Capital One that I am pre-approved for a Visa card. No thanks! I would advise anyone seeking a credit card to look anywhere but with Capital One.
Consumer complaint received 2021-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have received a copy of my credit report and it shows company CAPITAL ONE account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-07-20
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. (NY)

This is XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I sent almost {$1900.00} via chasequickpay ( XXXX ) to a guy who " sold '' me a PC. He told me some of the parts were still coming and that he would get back to me. He had me meet outside a shop in XXXX  and claimed it was his. Even printed me an invoice and made me sign it. I called chase and they said because its not a debit card transaction it can not be reversed. I have filed a claim before with XXXX over {$500.00} with XXXX and they were able to get me my money back, im not sure why chase isnt able to.