davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX. My husband died 2 months ago. I have been in financial and emotional distress. 
Last week when I went grocercy shopping my payment was declined.My daughter was with me and paid for my groceries. 
When I got home, there was an email from the bank saying that they did not pay a check because of insuficiant funds. In that same email they stated that I had a balance of {$2900.00}. 
Never did I receive any info that my account was a victim of fraud! 
I called and sat on hold for 25 minutes. My daughter thought that there was just a mistake and I hung up. We rethought and redialed and waited another 25 minutes only to find that my account was on hold ( frozen ) with no other explanation. We were to get a call back to speak with someone else. 
In speaking with someone else, we were told that my daughters name was never added to my account after we mailed in the papers they requested so she can not help me. 
The next day we called again and sat on the phone with someone for 35 minutes only to find that a XXXX XXXX XXXX had been added as a coowner on my account. I have no idea who this is or how they got in to my account. 
The banks fraud department is working on it but no one will acknowledge that they made a mistake. No on will tell us how this persone got on my account. In addition, I am jumping through hoops, my daughter is driving me all over town to confirm I am who I say I am. If they would have done this to begin with someone else would not be on my account! 
Thank you Bank Of America for making my life harder than it already is.
Consumer complaint received 2024-07-29
Product: Credit reporting 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)

I am writing to formally dispute the accuracy of certain information reported on my credit report. Under the authority of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my right to opt out of the sharing of my personal information and request that you correct the inaccuracies on my credit report. The specific account ( s ) and personal information in question are : XXXX. Account XXXX XXXX XXXX, XXXX XXXX, XXXX. Name XXXX XXXX XXXX, XXXX. Name XXXX XXXX XXXX, XXXX. Name XXXX XXXX XXXX. The information being reported is incorrect because the payment history on this account is absolutely inaccurate and you are reporting other names that are not associated with my identity. In accordance with 15 U.S.C. 6802, I am requesting that you : Verify the accuracy of the information being reported. If the information can not be verified, it must be promptly deleted from my credit report. Cease sharing my personal information with third parties without my explicit consent, as per the opt-out provisions of the GLBA. 
Provide me with a confirmation that these steps have been taken and that my credit report has been corrected accordingly. Enclosed with this letter are copies of relevant documents supporting my dispute. These documents should be used to substantiate my claim and facilitate a swift resolution to this matter.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I hav been harassed by this company trying to collect a debt that doesnt belong to me. 

I asked for information and the last name on collection is not even correct but they still put on my credit report. 

I believe this is a 3rd party agency. Who prey on consumers such as myself. I wish I had more information to help but unfortunately I just am not aware of this account.

It has drastically affected my credit as well
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (TX)

I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
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  Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be removed.
Consumer complaint received 2024-07-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (FL)

Thats not my signature nor did I fill out that form/// my name along with my information was forged. I will be taking further legal action against this company! I never heard of them until after I got my equipment. Because why would I agree to pay XXXX XXXX XXXX for the service aand pay another co separately for the equipment isnt that kinda of odd?
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (AZ)

Chase is now offering a Chase plan where you can put a plan to a large credit card charge that you do, and you can pay on a monthly basis and they charge a fee, however that is not my problem. 

My problem is that if you have more than one plan at the same time and you want to pay off one of the plans you need to pay both plans so it does not make sense that chase is not letting you pay off the plan when they said that you can, and now forcing you the pay both plans if you want to pay off one. This a UDAPP violation to the consumers, because they are forcing you the pay everything so if you can't they will still charging you the fee. If a customer one to pay off a plan we should be allow to.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Finance Company, Inc. (NC)

I have filed several complaints and have told them multiple times to stop calling me. They refuse to do so. My payments have never been 30 days past due. I have never missed a payment and today I am only 9 days behind and they are calling again. I have told them over and over to stop calling me. They are calling my cell and during my work hours. They know this but do not care. When they are not calling about payment they are trying to solicit! The name of this company is National Finance Company located in XXXX NC at XXXX XXXX XXXX XXXX XXXX XXXX zip code XXXX. Their phone number is XXXX. My name is XXXX XXXX and my account number with them is XXXX.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3500.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$3000.00} Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX : Account Number : XXXX : Balance : {$740.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$4200.00} 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

I have been a AMEX customer since 2013, and they provide cards for myself and both of my businesses and a line for credit for one of them. In all of this time I have never missed a single payment, paying off the full balance due each month. 

Out of the blue on XX/XX/XXXX AMEX sent me demanding I pay {$3600.00} that was not due to them for another month or else they would further reduce my credit limit. My account is on autopay and it draws on XX/XX/XXXX, wherein I paid the {$15000.00} full balance that was due, and assumed that the {$3600.00} was satisfied by this payment. 

Turns out I was wrong, and it was an attempt to extort money out of me before it came due. I guess AMEX found a way to get around the 25 day grace period and has been extorting customers like this for a while. 

As a result of not paying an extra {$3600.00} that would not be due until XX/XX/XXXX, AMEX lowered my credit limit to within a {$100.00} of my exact balance for this month, ensuring that my utilities, internet, etc accounts that are on auto-pay would be in excess of this and be declined, in hopes of forcing me to pay early. 

All this did is drive me into the hands of their competitor, XXXX XXXX, and I opened an account and began moving autopay accounts there. 

Because AMEX could see I was not going to comply with their demand for early payment, today on XX/XX/XXXX AMEX notified me that they were using the lowering of my personal credit card limit as justification to lower my business line of credit to further twist my arm. 

I calleXXXX AME to question this, and the person on the phone said it was due to my payment history ( keep in mind I have never carried a balance on any credit card, let alone an AMEX card, and have a perfect payment history for my mortgage etc. and have a XXXX credit score on XXXX as of XX/XX/XXXX. In fact, my score was higher but AMEX lowering my credit limit affected the score. ). I do not believe the person on the phone is lying, she was just reading what someone else wrote in their computer system, but someone in the chain was not telling the truth. 

In short, AMEX will attempt to extort early payment from customers, and when you do not comply, they will try to make your life difficult.
Consumer complaint received 2023-04-05
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. (TN)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 
XXXX XXXX XXXX XXXX {$1900.00} XX/XX/year> The credit bureaus have also violated the following laws : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under
paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Duvera Billing Services, LLC (CA)

I have been making payments to EasyPay since XX/XX/XXXX and my account and payments are not reflecting on my credit reports with XXXX, XXXX or XXXX. I have emailed and spoken to EasyPay many times and they have told me to contact the credit reporting agencies to handle this issue. I've submitted a formal letter with disputes to all three credit reporting agencies, and copied EasyPay. XXXX recently sent me a letter dated XX/XX/XXXX stating that the account is not reflecting on my most recent credit report. It would help to have this account reported to the three major credit reporting agencies.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PR)

Date of Incident : XX/XX/year> Application Reference Number ( if available ) : XXXX Company : JP Morgan Chase Product/Service : Chase Freedom Credit Card Description : I am submitting a formal complaint regarding the unfair treatment I received from JP Morgan Chase in the process of applying for a Chase Freedom Credit Card .

Timeline of Events : 1. On XX/XX/year>. I applied for the Chase Freedom Credit Card and received an email requesting that I must confirm my identity by submitting proof of current physical address and proof of date of birth. 
2. I submitted the required documents through their portal. A XXXX XXXX ( that is part of the XXXX ) drivers license, my Passport and my Social Security Card.

3. I called to verify receipt of the documents and they confirmed that the documents were received.

4. On XX/XX/year> I received a letter stating that my application was denied due to fraud. However, if the application is valid, please contact them. 
5. I called again and spoke with a representative who confirmed my identity by sending me a code through text message. The representative assured me that my application would be reviewed, with a resolution expected in one to two weeks.

6. After two weeks, I had not received any new notification about the status of my application. I called Chase again, and they were initially unable to locate my application, even with my Social Security number. When they eventually found my application, I was told again that it was denied due to fraud and that I should either reapply or visit a branch. 
This situation has caused significant inconvenience and stress. The repeated denials, lack of clear communication, and contradictory information from different representatives have been frustrating. Moreover, the credit inquiry has negatively impacted my credit score. 

As a resident of XXXX XXXX, the suggestion to visit a branch is impractical as there are no Chase branches available here. I was referred to Chase by other satisfied customers in XXXX XXXX, which makes this experience even more disappointing. 

Request for Resolution : I seek a reasonable and clear justification for the denial of my application because I was under the impression that I was fully verified by providing all the necessary documentation and confirmation trough the phone. 
If JP Morgan Chase can not provide a valid reason or authenticate my identity through alternative means, I request the removal of the credit inquiry from my credit report. 
I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Penfed has an iblnaccurate balance if {$2300.00}. My balance is {$1400.00}. The dispute is stating the balance is {$2300.00}.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Payfare International Inc. (NY)

I received a DasherDirect debit card through Payfare. Upon my first time trying to use this card, there was an error. Every time I have tried, it has been declined. I have the correct card information and have ample funds available. I have contacted support MANY times and have received XXXX help and XXXX answers, other than that my card has been suspended. Ive been told that it is unsuspended, but that was not true. I still can not access my funds or use my card.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (WA)

I recently got a notificaiton from XXXX that they have verified that this collection belongs to me. 

This collection does not belong to me and I don't know where it came from. 

Account # : XXXX Under the New Rule REGULATION F which took effect XX/XX/year>, CAINE & WEINER COMPANY INC have unlawfully reported an alleged debt to my consumer report. 

They also did not have my written permission to report on my file pursuant 15 USC 1681 B2, Permissible Purpose.

Please help me get this collection deleted.