davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 Chase credit card number unknown charged me {$26.00} for something. To the best of my knowledge do not own a Chase Credit Card! I received a statement from Chase charging me {$26.00} for an XXXX Order Number XXXX. I called their customer service # XXXX and explained that I had not purchased anything from XXXX. This charge had escalated to {$93.00}. A letter from Chase dated XX/XX/2020 stated this account was closed to aXX/XX/XXXX balance. I assumed the matter had been resolved. My husband and I are XXXX years old and have always prided ourselves with good credit ratings. I was shocked that our Credit Score dropped from over XXXX down to XXXX! 
Please advise disposition of this matter. 
I can be located at our vacation home where we have been since this COVID thing started. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Our home phone remains the same XXXX and is forwarded to our cabin.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (OK)

My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK XXXX. I have updated my address with BMO Harris Bank around XX/XX/XXXX. 
BMO Harris Bank XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX XXXX XXXX XXXX Initially they updated it to : XXXX XXXX XXXX XXXX XXXX  OK XXXX Then they updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX. This time the XXXX XXXX is missing. 

I am not receiving my monthly statements since XX/XX/XXXX. I also did not receive my 1099 for XXXX. 
I called so many times and spoke with XXXX, XXXX and XXXX but the problem is not fixed.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, XXXX, 2020 my bill did not go through BANK OF AMERICA - account with 2 missed payments. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IA)

I transferred money out of one credit card to another. The receiving bank, XXXX XXXX, posted the incoming transfer on XX/XX/XXXX. Citi never released the money from my account. Calls to both banks have not fixed this problem. I now owe money to both banks and Citi is charging interest they should not be.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I was a victim of a scam I immediately contacted my Bank and asked for help because the charges were pending they would stop or take action to protect my account/monies It took three days to post and by that time my money was gone XXXX I opened a dispute but they denied it saying it was my fault because I did what person calling told me to do When I got the letter from the bank denying I called again and ask to reopen they did that but denied again The other party involved in this scam is called XXXX XXXX I have filed a complaint against them as well I am a XXXX XXXX on a fixed income the compliant ID associated with this issue is XXXXBoth parties have denied my dispute each time I have tried to resolve they say it was fault because I followed the instruction I was giving by the person who called I am at a loss
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (OH)

Capital Link Management has been contacting my daughter and husband on their cell phones, one of which is a employer-provided mobile phone. They leave multiple voicemails stating they are collecting a debt for " my first and last name '' with a threatening tone, but probably being careful with the words they use. They have sent my daughter texts. When she replies " STOP '' to " opt-out '', seconds later she'll receive another text from a different number. It is always a male that leaves voice messages and one actually spoke with my husband. One of the voicemails states his name is XXXX. 

I DO NOT owe any past due debt. My credit is excellent ( score averages around 800 ) and any lines of credit I have are in excellent standing. 

My personal credentials have been in various breaches over the years, including XXXX, XXXX, etc. As a result, I have been a victim of identity theft. " Someone '' submitted a XXXX tax return with my SSN and personal data. Thankfully the IRS have security protocols in place. Unfortunately, I can never file my federal tax returns with my SSN. I must use a TAX ID with PIN. 

I would like Capital Link Management to cease all communication with my family members, as I do NOT owe or have any past due debts.
Consumer complaint received 2023-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

I refinanced my Federal Student Loan in XX/XX/2022. The original loan serviced was Edfinancial. In XXXX of 2022 I submitted a refund request for {$28000.00} and the person I spoke to said it would be processed and sent to XXXX. A few months later I received a call from Edfinancial saying my refund couldnt be submitted because it was paid by a third party. The person I originally spoke to said there was no approval process and that ALL payments made during Covid-19 are eligible for a refund.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (AZ)

Found collection account on my XXXX XXXX. I do not have any accounts that are past due. This collection company is listed as : WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 

This amount is for {$1700.00}. Under account xxxxx XXXX. The creditor is listed as XXXX XXXX. While I have an account with XXXX, it is not in collections as it is on autopay monthly.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX. Date of XXXX : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-08
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)

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2021-10-19
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: Eastern Account Systems of Connecticut, Inc. (NY)

This collection agency is attempting to collect a debt for XXXX, and reporting this debt to the three major credit reporting agencies. This debt originated in 2011 ( found out after contacting original creditor directly ) which is well past the statute of limitations for collection of a debt or reporting to credit reporting agencies. Fraud case opened as this is an identity theft case. Past collection agency XXXX and XXXX already deemed this debt unverifiable. After multiple disputes with CRA, somehow eastern account systems keeps reporting back a debt as verified even though it is 10 years old. Considering legal action against all parties if collection activity and reporting to CRAs does not stop immediately.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AR)

NCC Business Srvcs is attempting to collect a debt that I have no knowledge about the original creditor nor the collection agency will/have validated this debt with me which is a violation of FCDPA section 809. Secondly the statute of limitations in Arkansas which I reside has expired for the original creditor or collection agency to collect.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (MI)

Four Visa prepaid debit cards were purchased for my personal use at XXXX grocery store around XX/XX/2022. Each card was initially loaded with {$500.00}. Shortly after purchase I registered and activated the cards at XXXX At or around XX/XX/XXXX I tried to use the cards at XXXX and the cards did not work. At this time I called the number on the back of the card and spoke to a representative. The customer service representative said that the card was potentially compromised and a new card would be issued. I verified my personal information including address with the rep and she said a new card would be sent out and arrive within 1-2 weeks. I repeated this process for all 4 cards. 

The four replacement cards never arrived after 3-4 weeks, so I called in again. The rep said that the cards may have been lost in the mail and that new replacement cards would be sent again. Again I had to make this same call four separate times for each card. 

After another 3-4 weeks passed, I had yet to receive any of the cards so I called in again. The rep again said the cards might have been lost in the mail and that she would need to replace a second time. At this point I did not believe these cards were lost in the mail as the likelihood of this happening 8 times is extremely small. On all four separate calls with customer service support I asked to speak to a supervisor - and all four times I was told they were either on break or busy with another customer. The rep each time assured me this would not happen again and processed a replacement for me. I had to repeat this phone call 4 times ( they can't process more than one card at a time ) Amazingly, after another 3-4 weeks these cards again never arrived. At this point my frustration is through the roof and I called about 2 of the cards. The rep for each card said that it would be best to change my address on file to see if the cards will arrive at a new address. For these two cards I updated my address to a XXXX box I own. I received a change of address form in the mail but after 3-4 weeks the replacement cards still haven't shown up. 

Over 3 months have passed since the original purchase of the 4 {$500.00} cards and I've attempted to replace 2 of the cards 4 separate times and the other 2 cards 3 different times and nothing is working. I believe I have gone above and beyond to attempt to resolve this with the company and I would appreciate any help to resolve this matter. 

I can provide all card # 's when necessary. I still have they original 4 physical cards in my possession. Ultimately I would either like these cards activated so that I can use or 4 new cards to be actually sent to me.
Consumer complaint received 2023-03-21
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. (GA)

on XX/XX/2023 I dispute the amount of {$15000.00}, dates and status of account. I asked them to do a verification and they stated that everything was accurate. I then double checked and still found inaccuracies on the credit report. 

In accordance with the Credit Reporting Act XXXX  account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-04
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and condentality under 15 USC 1681. XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. 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. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (GA)

On XX/XX/XXXX, a " company '' named XXXX XXXX XXXX XXXX charged may card 3 transactions that were cleared by Robinhood. One for {$160.00}, another for {$85.00} and the last one for {$41.00}. The company continued to try to charge my card over and over again to see if they could get as much as they could from my account. The last 3 transactions they tried, which were declined due to me locking the card, under the name XXXX XXXX XXXX XXXX. These transactions were made in XXXX and I am in XXXX, Ga. I called into Robinhod the moment I realized, locked my car, transferred what left they had not took and disputed the transaction once it was cleared. Two days later Robinhood tries to say they can't find evidence this was not authorized, when it is obvious seeing in the screenshots I will provide they continued to charge my account different amounts to see what was available to take from me. I've called Robinhood twice with no help and told they will email the dispute team, with no response. I've emailed them twice, with no response. But they continue to send me emails saying they have not heard from me and have now closed my case.
Consumer complaint received 2023-05-18
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: Affirm Holdings, Inc (CA)

Someone in Arizona opened an account with Affirm in my name in 2019. They made a few payments to not damage my credit, as they were using my credit for other fraudulent accounts as well. Affirm is reporting this charge off to XXXX and has been for quite sometime. I've tried everything I can to talk with someone there about it including calling XXXX XXXX. When I finally spoke with XXXX XXXX he said he was having XXXX  treatment and I should not bother him again. The last response from the company was that they needed everything in the file in order to speak with my attorney XXXX XXXX. I've since provided everything they have requested and when I speak with their customer service they just say they are working on it and someone will respond to me in 3-5 days, but nobody ever responds.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX or XXXX, XXXX  I enrolled into a only interest program with XXXX XXXX. I was calling to see if there was any other options since it's been a tough time for me when it comes to money. They basically forced me into this program because there was no other option. I pay XXXX dollars for 6 months. I was told there would be no negative effect on my credit scorXXXX and the delinquent would not show up if I entered this program. I spoke to 3 different representatives and they all assured me it will not go on my credit score. Today I found out my credit score updated and im reported as a delinquent after they told me when I enroll into this program I won't be. I made my payments they requested which was XXXX dollars and my account will be in good standing with credit score. Not the case. It's on my credit report. I have proof I paid what they asked. I have my XXXX XXXX  account as proof and my XXXX  XXXX XXXX statements.
Consumer complaint received 2023-06-13
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. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Consumer complaint received 2023-06-13
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 daysXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXXXXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.