davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I'm including text from a letter I sent to Bank of America about this problem : The charge of {$7.00} from XXXX XXXX is from a fraudulent merchant posing as a legitimate business. I have canceled multiple Bank of America VISA cards because this bogus charge keeps appearing on my statements. The issue has repeated itself for several months where I notice the charge, report it as fraud, my card is canceled, I receive a new card, and the charge reappears. 

I want to point out several arguments that support my conclusion that this is a fraudulent merchant perpetuating a scam. 
1. On the enclosed copy of the transaction from my account, I have highlighted the merchant information I believe is bogus. 
a. The string of text that appears at the top of the transaction is not a valid business entity or world wide web address. 
XXXX XXXX XXXX XXXX XXXX  There is a legitimate business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX b. The string of text that appears on the transaction after the heading Merchant Information is fictitious. 
iXXXX XXXX XXXX XXXX. The text that appears under the heading Merchant name is fictitious. 
XXXX XXXX XXXX XXXX The address that appears under the heading Merchant info is a physical location in the state of Texas XXXX but a search on XXXX XXXX reveals what appears to be a vacant office building. I have enclosed a print out of what XXXX showed in my search of that address. 
2. I have enclosed a copy of an email that appears to be a phishing attempt. The sender does have my email address and the last four digits of the latest credit card I received from Bank of America. This is after I canceled my prior credit card where I reported the exact same issue. But there are several problematic concerns. 
a. The name that appears at the top of the page is the subject from the printed email. It says that my XXXX, XXXX subscription will renew soon. 
i. I do not have any subscriptions from the legitimate organization named XXXX. 
ii. The text is yet another configuration of a fictitious imitation of the legitimate organization. 
b. The string of text that appears in the From : heading on the email is bogus. 
i. It shows : XXXX, XXXX ( XXXX ) c. In the body of the email there is additional phony information. 
i. The string of text suggesting how to reach the support site is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, rings to a destination where a person answers and their language mimics what you would expect to hear from a legitimate support center, but they offered no help and only asked me for additional personal information before I became suspicious and ended the call.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I never applied for these bank accounts or loans. These accounts were applied to fraudulently and I didnt give anyone permission to use my information. None of these accounts are mine. Inquirer : 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 and this goes for all the accounts under them. Inquirer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I was lead to believe XXXX had authentic branded luxury apparel similar to XXXX  but unfortunately it turns out the merchandise was all counterfeit. How upon noticing this I immediately contacted Wells Fargo and followed all steps in the 13.4 XXXX  counterfeit merchandise rules and guidelines even after sending in XXXX separate second opinion letters Wells Fargo is still denying to even file my dispute they even went as far as to remove the credit some now my account remain overdraft but I have every right to dispute counterfeit merchandise. I have made numerous attempts only to be stonewalled when I have sent all the documents that I could get in a reasonable time frame. I feel completely unprotected as a consumer.
Consumer complaint received 2024-02-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/2023 someone sign up for a Chase credit without my permission and Chase denied the application said my credit score was a XXXX. I called and reported it, someone told me to lock my account so I did that and I noticed today my credit score dropped down again I been trying to rebuild my credit score. I need to know if I lock my credit does that affect my credit score being hit again it was hit back in XXXX now again because of someone doing some hateful low down stuff. I havent had a credit card in 9 year. Please can you get back in touch with me asap and have a wonderful day. Address is XXXX XXXX XXXX. XXXX Ohio XXXX XXXX or XXXX
Consumer complaint received 2023-05-08
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. (LA)

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 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 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX, I saw my Amex app showed that I have a promotional offer to earn XXXX referral bonus points. So I referred 3 of my friends on XX/XX/XXXX and XXXX, but then only found to receive XXXX bonus points from Amex. After reaching out to their agent, I opened a case for their backend team to investigate on XX/XX/XXXX. Then on XX/XX/XXXX, i made a XXXX referral and record my screen as proof on the XXXX bonus points referral offer. However, I still only receive XXXX bonus for the XXXX referral. Amex agent told me my previous case was closed and based on their investigation, they refused to acknowledge the XXXX offer I saw. The promotion offer didnt have terms or specific requirements listed so I believe I should receive this XXXX bonus per referral. Amex didnt even ask for any evidence on the offer I saw and concluded they are not liable for the issue.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I was contacted by this company via postal letter They claim I owe money to XXXX. XXXX account XXXX for {$380.00}. I Contacted XXXX XXXX. And they have no evidence of that account. They can not produce evidence of a bill or that I owed XXXX XXXX money, my XXXX account is a different number and it is paid to date. When I called them, they argued that XXXX would not be able to see the debt and that I owed the money. This is a complete scam. They can not provide evidence of this account. Threatens to report it to the credit agencies. I've reviewed this company on the better business website. There is plenty of evidence from reviews that this company is running a scam.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (LA)

I have no knowledge of the debt owed to this company. I have never done any business with this company nor have I signed any documents. According to 15 USC 1692c ( c ), If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. Therefore, there should be no communication nor should there be any report on my credit report because I do not owe Credence Resource Management LLC.
Consumer complaint received 2023-06-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I loss my information about a year ago and just got everything back again, I been getting hard inquiries but I dont know what to do about them, and now its giving problems with my banking situation
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (AZ)

A bought a used vehicle in XX/XX/XXXX from the dealership Quality XXXX XXXX in XXXX, NM when my then current vehicle started to have mechanical problems. The loan was originally through XXXX XXXX and then was transferred to US Bank on the same date. I re-financed the vehicle through Auto Approve in XX/XX/XXXX and the new loan is now with XXXX XXXX XXXX. I received a check from US Bank for an overpayment on XX/XX/XXXX. The dealership sent two checks to US Bank, one for XXXX made out to US Bank and one made out to XXXX XXXX for XXXX to the same address. 
On XX/XX/XXXX the payoff for the vehicle was processed through US Bank and I received an additional refund check for XXXX XXXX and another check for Credit XXXX totaling XXXX. I have never received the other check for XXXX. I spoke with Auto Approve and the dealership and received copies of the two checks. I also called US Bank several times before and after I received the checks and they always state that they don't know anything about the other check. I called XXXX XXXX and was told that they are a division of US Bank. I was also told at this time that they could not speak with me because I am a customer/consumer and that someone from the bank or the dealership would have to call them. I also spoke with the dealership and was told that they are waiting on a response from the XXXX XXXX. I feel that I have been more than patient as I have been waiting since last year. I don't understand how no one seems to know anything about this check.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I FILED A COMPLAINT THAT SOMEONE STOLE MY IDENTITY AND CREATED A XXXX XXXX  ACCOUNT NUMBER XXXX  XXXX. THE ACCOUNT IS REPORTING TO MY EQUIFAX REPORT AND I WANT IT REMOVED. I FILED THIS SAME COMPLAINT BACK IN XXXX YET THEY CONTINUE TO REPORT THIS ACCOUNT ON MY CREDIT REPORT AND THEY CLAIM THIS ACCOUNT BELONGS TO ME AND IT DOESN'T! THIS IS MY LAST RESORT BEFORE I FILE A LAWSUIT AGAINST EQUIFAX FOR POORLY HANDLING THIS DISPUTE.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ROBINHOOD MARKETS INC. (NY)

The robin hood credit card closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXX XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on XXXX XXXX that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
Consumer complaint received 2024-01-28
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. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. US DEPARTMENT OF EDUCATION never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.
Consumer complaint received 2024-03-27
Product: Credit 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: GOLDMAN SACHS BANK USA (FL)

There are charges for {$14.00} that I disputed back in XX/XX/XXXX. On XX/XX/XXXX the company stated the following : Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : We reviewed available information which confirms that you authorized the purchase with the merchant. 

I asked for the available information that was reviewed and they refuse to provide the information.
Consumer complaint received 2024-01-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TN)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE TO PAID AS AGREED/NEVER LATE
Consumer complaint received 2024-01-28
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: EQUIFAX, INC. (FL)

15 U.S. Code 1692e 10- False or misleading representations Provide proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Falling that, the items must be deleted from the report as soon as possible.

15 U.S. Code 1681s-2 ( aN3 ) : You did not enter this notice of dispute ; you Edit Deleted! 
hadko dhvs from date you received my as disoute and occause XXXX XXXX XXXX XXXX to your company is in volation instruccon Provide proof of this alleged item, specifically the original application, Edit contract. note or other instrument bearing my signature. XXXX that the XX/XX/24 items muss be deleted from the record as soon as possibie
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ME)

Account closed in XXXX. Due to Maine statutes, this account should have been removed from my credit reports. This account keeps changing status. Account as closed per my request in XXXX XXXX, and due to medical hardship, I did not make any further payments. I have attached a letter crom XXXX XXXX XXXX XXXX XXXX XXXX for further reading. This is a blantant violation of Maine Statute .32 MRS 11013 ( 8 ).
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (PA)

I have made numerous attempts on investigations on this matter this company refuse to do there job blaming each other for inaccurate information on my credit file. I applied for A NEW credit card only to get denied into i verify my identity thought XXXX because XXXX have another person information on my credit file which is destroying my life. 
I attached all my documention I ask for my name correction they did a dispute i submitted then to reinsert it back on my credit file. Please hold these company accountable I submitted ALL the proof I need to fix this situation and it still not fix XXXX even went as far as not inserting my credit card thats in my name on my credit file and removing my score ALL TOGETHER FROM INFORMATION LEXISNEXIS IS PROVING.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I applied for a mortgage loan and lender ran my credit and stated I had late child support payments dated XX/XX/year> and XX/XX/year> XX/XX/year> and XX/XX/year> but I was not late on payments and my payment records shows I was on time and child support is taking out automatically on my check stubs. Having late payments on my. Credit report harnesses my chances to approved for a conventional loans. If I can have these issues fixed to show that I was not late that would he greatly appreciated