davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (TX)

In 2017, an account from was open in my name. I had no knowledge of this account until it was placed on my credit report. Since then I have been disputing this account I have asked the company for accurate information they have not provided all accurate information. Now it in collections on my credit report.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My credit union would not cash the travelers checks. Called XXXX XXXX who recommended a bank on their web site which was XXXXXXXX XXXX ( old XXXXXXXX XXXX ). Went to a local XXXXXXXX XXXX who said they could not help me. They did, however, recommend Bank of America down the street. My travelers check were issued by XXXXXXXX XXXX  that was bought out by XXXX XXXXXXXX XXXX which was bought out by Bank of America. My visit to Bank of America resulted in no help and no answers as to how I could cash the travelers checks. They recommended a US Post Office. I went to a major local post office with supervisors and managers, but they said they could not help me ; no do not cash travelers checks although the Internet says they do. 

Now I am stuck with travelers checks that " Never Expire '' that no one will take nor even tell me who or where the escrow funds are kept. It seems that the banks have absconded with the money. Question is, which one.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An amount of {$2700.00} was sent from my BoA checking account using XXXX service on XX/XX/2022. 
I was unwittingly tricked into transferring the money. This was a rental scam, and the person ( Scammer ) was impersonating as the property owner. The amount above was sent as a security deposit for the house rental. 

XXXX transfer was sent using this email address as the recipient : XXXX. 

Actions taken : Logged a complaint with XXXX and have not heard back from them. 

Logged a claim with BoA ( Claim for Digital Fraud : XX/XX/2022-XXXX ). 
BoA came back that they had completed their investigation and no error was found.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MO)

Barclays is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), which protects me from discrimination in any aspect of a credit transaction such as an increase in credit limit.

They refuse to grant credit in a substantial amount or on substantially the terms requested in my application or not even making a counteroffer to grant credit in a different amount. The application for credit and their refusal to extend the limit is an adverse action.

15 U.S. Code 1602, The term creditor refers only to a person who regularly extends consumer credit ( my social security number ). The term creditor refers only to a person, The term person means a natural person or an organization
Consumer complaint received 2018-12-18
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: DISCOVER BANK (OR)

I have contacted XXXX 4 different times regarding inaccuracy information on my credit report. There are numerous companies reporting inaccurate information to XXXX. Specifically, the inaccurate date of " last payment made. '' I contacted XXXX on XX/XX/2018, by filing a dispute online ( File # XXXX ) and by phone on XX/XX/2018. I again contacted XXXX by filing another dispute on XX/XX/2018 ( File # XXXX ), and sending a certified letter on the same day. All of the results have been the same. They completely ignored my request and corrected the situation by changing the date updated on my credit report for each of the companies I requested the information be corrected. I believe my request is a simple one. I can not believe the total disregard to my requests. The companies reporting this inaccurate information have the burden of proving what they are reporting which they did not do. All that I'm requesting is correct information on my credit report which I am working on improving.
Consumer complaint received 2024-01-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received an american express gift card. I have tried to use the balance at multiple locations online and in person, and every purchase is declined. I have a {$150.00} balance and can not make purchases for any amount, regardless how small. The customer service line is useless and not helpful. They tell me to try online merchants that request an expiration date confirmation, which I have done unsuccessfully.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have sent XXXX  severs letters asking for verification of the accounts. XXXX XXXX is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I made my monthly payment on the XXXX of XXXX which I always pay on the XXXX or XXXX. I had just spoken to someone at the company to say my payment is made and now I get a XXXX point decrease in my credit because they are claiming Im XXXX delinquent. I havent been delinquent on my car since XXXX or 2023. They done offer deferments or payment assistance. When I was delinquent they always harassed me but never helped me
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies (GA)

I purchased car from XXXX XXXX right after a XXXX  XXXX bankruptcy. I immediately had issues so I was put in a rental 1 week after purchase. 2 months in the transmission went out and was replaced with the help of XXXX XXXX and myself paying the cost. I paid majority of the time on time but the car amount was not going down. 5 years in XX/XX/2022 the car had similar issues to before but I was informed to replace the XXXX converter which cost me {$800.00}. I got the car back and on the same day the cars transmission went out. The car was sent to XXXX XXXX for repair but I was also speaking with Prestige to see if they could assist me with the cost since the transmission would cost me {$5000.00}. After that they did not help or try to help me through my hardship. I asked them to come get the car since it was a possibility that something else was wrong with the car. They came to get the car they sold the car for the smallest amount possible even though the car had a new XXXX converter and transmission in it and they still sent me a balance of {$13000.00} something dollars. I have set up a payment plan which the amount was about {$7000.00} with fees. Prestige has breached contract and sent statements for more than this amount and I have made all payments on time since this contract started which is about 6 months of payments but the balance is not going anywhere and my credit score is going down because they are still reporting non payments when I am making payments. This company is the worse and add fees that should not be there. My credit report does not match what we agreed on in the contract and they have decided to not assist me but instead email me, text me, and call me harassing me about payments even when the payment is not due yet.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, I was encountered an scam that is so called home-based job part time. XX/XX/XXXX I received a message from my phone name XXXX and introduced the XXXX XXXX  that offered homebased part time job. Then from there someone connected to me through XXXX  name XXXX from XXXX XXXX that XXXX introduce the platform called XXXX. XXXX explained that the parttime works if with commision and salary with a cryptocurrency. XXXX the one that was teaching me what to do from buying cryto and working on the XXXX  platform. To start the work need to put funds to start the the working day. Once I complete the 5 days working I will be paid of XXXX plus the commision. From my bank institution we transfer money to XXXX  and XXXX. From moonpay and XXXX  we transfer the crypto currency to the XXXX  platform to start the workday. They have called XXXX XXXX that will give you more commision but it gives you negative balance that you need to covered/add funds to make it positive. Every time you encountered combo task it makes you negative more bigger and bigger amount. I funds how many time to recovered the funds I barrow from mt friends and put all I have to the platform. But it turns more and more bigger negative ammount that I end up lost of all sources and I cant recovered it anymore. XXXX want me to put more and more money that I dont anymore. I called them the customer service, XXXX, and group memebers but no one wnated to show their faced or heard their voices. That I realized I was scam and Its is to much for me realized. So I file a claim to the XXXX, XXXX, wells fargo and XXXX. And I even reported it to FBI. XXXX XXXX XXXX credited the final amount XXXX to me but the wells fargo credited provisional the XXXX. Wells fargo told to me that they cant recovered the other amount that i used in XXXX  and the provisional credit that the wellsfargo issued to from XXXX  they said they will going to deduct again in time. THe XXXX  and XXXX  cant do anything either. 
The fflowing amount and date are the ff trnasaction through wellfargo going to the ff apps. 
XXXX  to XXXX  platform : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX platform : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX I really need your help to retrieve the money I just barrowed must that amount. PLease help me. I dont know ehere to go anymore to ask for help to retrive the money.
Consumer complaint received 2018-12-18
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: EQUIFAX, INC. (GA)

I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX and XXXX I was a victim of identity theft. A convicted felon had been released from prison during COVID, broke into our business offices and stole all my tax and personal information. XXXX of charges were made without my permission, accounts opened, attempts to open brokerage accounts and also infiltration of my bank accounts. Since then, I have worked with law enforcement and they have a warrant for his arrest. As to this date, I believe he has yet to be picked up. 

My insurance company, XXXX XXXX contracted a company called XXXX to assist with taking care of this. XXXX XXXX was assigned to me and assisted with many letters requesting institutions cooperate with the lawful removal of derogatory info and reinstate any lines of credit that were reduced or taken away due to credit review or usage based on inaccurate info at the time. 

All banks/companies complied, including XXXX XXXX XXXX XXXX XXXX and others- with the exception of Chase Bank . They took away the line of credit and left me with the balance to pay. 

I have tried to resolve at the branch many times, however they go through private client staff so frequently.
Consumer complaint received 2022-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously counted my qualifying payments for XXXX. I have been awarded a range of 94-95 qualifying payments on my consolidated loan. XX/XX/ is being counted for XXXX on one loan and not the other. The reason given is that it was not on an eligible repayment plan, however it is not possible one portion of the loan was on a plan ineligible for XXXX and not the other, as a consolidated loan is serviced as one loan though it is split into two portions. Additionally, all direct loans are required to be repaid under the same repayment plan if they are eligible. The months prior and following were eligible for XXXX. The payment count should be 95 on the full balance.
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (MI)

On XX/XX/XXXX I borrowed XXXX from Uprova I will admit I did not read the fine print and once they deposited my {$1000.00} loan I was hit with owing {$4000.00}. My finance charge is XXXX. My annual percentage is 676.77 %. With 15 bi-weekly payments of {$260.00}. When I saw this contract I immediately contacted them to give the money back and they refused saying the contract was already signed and they will proceed to take the funds bi-weekly starting XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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: Bread Financial Holdings, Inc. (VA)

I want this credit report off my account. All they did was given me a write off but I dont know what that if fixing because im not going to pay for a card that i am not using. I was XXXX just getting i to the XXXX when Victoria secret offered the card I thought it was just a store card. So they have been reporting dues to my credit when j havent even used the card since they had gave it to me i dont even know where that card is. I need this to get taken care of and off my account. It shouldnt have been on my account in the first place. Please help
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I went to Bank of America to deposit a check and they gave me documentation stating funds will be available XX/XX/2024 at XXXX. Its now the XXXX and I went to the bank to get the money and they told me their holding on to the check for their enjoyment it would seem.
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

In late of XXXX, I received the Court Order regarding to the debt of {$1100.00} that I did not pay. 
I went to court and explained to the Judge that I have never open the account with that company and I have never lived in the address listed on the Credit Card Statement. 
I want to dispute the debt amount because I did not owe that amount. 

The credit card company sent me the package asked me to file complain with FTC.GOV and send the evidence of this complain, they will reinvestigate their records before they can dispute that amount.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for XXXX XXXX account # XXXX. 

The LAST activity dates are showing TRANSUNION XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent XXXX letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX, I received a notification thru my email that my new account had been approved by Bank of America, which I had not applied for. As of XX/XX/XXXX XXXX, I have contacted the bank for the 4th time. the account has been active to that day. I was told each time the account would be/was closed. I was also told the issue would be investigated and correspondence would be sent to me regarding the situation. That has not happened and I received another Bank statement on XX/XX/XXXX. I called customer service this day and entered the required info and checked the balance which was approved, the account is still open. I then reported the fraud to the bank for the 4th time. As of XXXX, I reported fraud alerts to three credit bureaus. I have not had any other indications of suspicious activity otherwise. The actions of Bank of America are questionable due to the fact that no other activities have occurred and that I was a customer 13 years ago. This is unacceptable behavior and I am concerned about my information with Bank of America. I request confirmation of this complaint and subsequent findings. 
Sincerely
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. the INQUIRES listed below in the SECOND paragraph have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. 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 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The Following inquiries are unauthorized. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXXXXXX XXXX Reported Balance of {$76.00} Balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reported Balance {$450.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX Reporting Balance {$180.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Consumer complaint received 2023-08-02
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)

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
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