davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (ID)

I received two unauthorized XXXX transactions on my checking account. Both transactions occurred on XXXX XXXX, 2023. I called the bank on XX/XX/2023 and reported the pending XXXX transactions and informed them that the transactions were not authorized, and that I have never used XXXX before. The transactions were ; one for {$900.00}, and another for {$2000.00}. They were both addressed to XXXX XXXX. I do not know this person. They told me to wait XXXX business days for their investigation. At the end of the XXXX business days, the claim was denied stating that the reason for the denial of the refund was that the " transactions were both authorized from the same device ''. I asked for further clarification and they stated that the transactions happened from the same region and that there was no record of any IP address of the device where the transactions took place. I did not make these transactions.I was never asked to approve any XXXX transactions, and I have never used XXXX.
Consumer complaint received 2023-11-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Yamaha Motor Finance Corporation USA (CA)

Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : YAMAHA MOTOR FINANCE XXXX. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.
Consumer complaint received 2024-01-12
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 (CO)

Approximately, XXXX of 2018 I removed my name off of the lease from XXXX XXXX XXXX XXXX, the leasing agent at XXXX XXXX assured me that the lease was solely in my former roommate 's name and the cosigner. 
I have recently applied for a new apartment to lease and this debt showed up on my credit repost to my surprise. 
I contacted the debt collector and had XXXX success so I then contacted the apartments. I was told the apartments were sold to a new leasing agency and they have no records. 
I then contacted the previous leasing company ( original agency from when I lived there ) and the lady told me that she does not have any record and if she finds anything then she will email me. 
Unfortunately, I do not have time to wait nor do I feel it necessary to pay XXXX for something that should not be affecting my credit score. 
I greatly appreciate any help you can give me with this issue. 

Kindest Regards, XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/XXXX  I received an email from a company called XXXX, a collection agency which indicated that they were collecting a debt for LVNV Funding also a collection agency. The email stated that the original creditor was XXXX XXXX XXXX. The email also stated the debt was too old to collect upon or report to any credit bureau. The whole thing sounded suspicious one collection agency collecting for another. 
I have never knowingly done business with XXXX XXXX Bank. 
I sent a letter to XXXX stating that the entire collection attempt was invalid and disputed and I requested validation. 
I received a letter today from Resurgent Capital Services trying to collect on the same debt. Their letter acknowledged the XXXX contact inquiry and referenced the owner as LVNV funding with the originator XXXX XXXX XXXX. They did not provide validation of the debt. 
This letter also states the debt is beyond the age of collection and too old to send to a credit bureau. 
This whole thing appears to be one big scam with several collection agencies involved.
Consumer complaint received 2023-03-27
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. (FL)

So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (MA)

The collection company, on XX/XX/XXXX, requested payment of a debt via e-mail. The link provided requires a convenience fee to be paid if the payment is not via echeck. I called and spoke to XXXX on XX/XX/XXXX. XXXX stated this fee was legal in all 50 states. I asked for the original signed agreement, and XXXX said I would have to request it in writing. XXXX only agreed to send the emailed bill via the mail. 


The employees at crunch called multiple times to collect on this alleged debt. Even after I told them I would not be paying it at this time. I spoke with employees about canceling the membership multiple times, and they said they would help me with it only after I paid the debt. spoke with a man and woman with what I believed to be an XXXX accent. Throughout this process, I feel the attempt at collecting this debt has been unfair and the company stating they would only help with cancellation after payment of a debt is completely unfair and deceptive.
Consumer complaint received 2024-01-11
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 (MI)

I applied and was accepted for an American Express XXXX XXXX XXXX Credit Card on or around XX/XX/, with a welcome offer of XXXX bonus XXXX XXXX upon meeting a minimum spend ( " Threshold Amount '' ). Here are the terms of the bonus offer : " Card Members who apply through this offer and are approved for the XXXX XXXX XXXX XXXX can earn XXXX Bonus Miles after {$4000.00} or more in eligible purchases are made on the Card within 6 months of Card Membership. '' I met the Threshold Amount on XX/XX/2023. According to the terms of the welcome offer, " Bonus miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. '' It has been 19 weeks since I met the amount, and I have not received my miles. 

I contacted American Express and spoke to an agent at least seven times since XX/XX/2023 attempting to resolve this issue. According to American Express, this is a known technical issue within their company leading to a delay in processing the miles. I have been assured on the record by multiple American Express representatives that I would receive my XXXX miles ( a value of nearly {$1000.00} USD ) within a few weeks each time I reached out, and I still have not received my miles, which I am owed per the terms of their agreement.
Consumer complaint received 2024-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to report violations of my rights by Capital One. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (IN)

XXXX is reporting two late payments. I have never been late. I have disputed this with XXXX and they have done nothing!!! not been able to resolve it. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! 


Also I requested debt validation letters from XXXX XXXX XXXX and XXXX XXXX  They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with XXXX and all they do is say its validated however they dont provide the documentation that I have requested.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (VA)

BMO bank verified me over the phone for almost 3 hours. They then called me the next day and requested my bank information over the phone. They told that I had to deposit a certain amount in both accounts. After that verified me for almost 3 hours and took some of my money from my old account they locked my accounts and then said they could verify me. They then turned mean, and rude. With this account you get a bonus if you transfer a certain amount. I find that these banks including BMO try to get you to open a account for their investors then they make it difficult for you access your account. They then started complaining about people trying to steal their money. However, I have to put money in the account and keep it there for months before I would get a bonus. After they took my money they refused to allow me access to my money. They had verified for hours. Then I stayed on the phone for days trying to access my funds. They then became very mean and refused to help me access my money unless I got forms signed and notarized which I did. Then no one from BMO called nor apologized to me!!! The last person I spoke with in their customer service had some very strange sound in the background. It was so distrusting I had to ask him what the sound was. His reply was, " Does it sound like something rubbing against the phone. '' Yikes!!! I want that phone call pulled. I am requesting someone from your corporate office call me!!!
Consumer complaint received 2021-04-28
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: ONLINE Information Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-01-06
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: U.S. BANCORP (CO)

Someone was charging my account in a different state which is the story XXXX told me I didnt even realize I had an open account with them since I had canceled services with them years ago due to the horrible service at my address. 

My card was charged for a few devices ( Phones ) and close to 2 years monthly for services not rendered to me. At first, my credit card company with U.S. Bank was helping me and reversed the charges of over XXXX XXXX  which has caused me much grief and aggravation. 
I have enclosed a police statement and an email from XXXX stating that I was relieved from the charges. I also would like to get compensation for all the additional interest charges acquired. I thought credit card companies were supposed to help their customer with these types of matters. 

I also did not have a XXXX account opened at that time and had another cell phone carrier for my services and had proof of this but XXXX and U.S. Bank didnt care about this if they did they would have refunded me a long time ago instead I have a collection on my credit that I have to dispute as well.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

We r call this company not fully cooperation Hang up my phone And still fraudulent activity seen my several account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All transactions is fully name by cash app I need to fully investigate this company and stop in the market plus I request consumer fraud strictly notice this company me and my husband have a proof we r not authorized nor open this cash app account they used our names is take my money transfer
Consumer complaint received 2024-01-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received a {$350.00} American Express gift card from my employer to make home-office purchases. I have tried to use the card to buy a laptop stand at XXXX or at XXXX and a mouse at XXXX ; however, my card continues to be rejected. 

The first time I called American Express, they told me that " for my convenience, '' my card can not be used online at any website that saves card data. When I pointed out that that is almost every online retailer, they agreed and said that it would be best to just use my card online. I explained to them that many of my co-workers have used the card to make online purchases without any problems and they had no answer as to why my card doesn't work. 

The second time I called, the agent recommended that I add the card to my mobile phone wallet and try to use XXXX to make a purchase. This strategy worked on XXXX but not on any other website. American Express has not offered me any other suggestions other than using the card in person at brick-and-mortar stores. 

I am attaching the current list of transactions that I've attempted to make with this card. Each time a transaction fails, American Express deducts XXXX from my card. The transaction list also includes the single successful transaction for {$68.00} at XXXX 

Unfortunately, the items that I need to buy for my home office are not sold in brick-and-mortar stores near me. I am at a loss for how to use the money that my company already spent to buy this gift card. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX BANK XXXX XXXX
Consumer complaint received 2024-04-17
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1100.00}
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened an business checking account with Bank of America on XX/XX/XXXX with the promotion of {$1000.00} bonus for depositing {$30000.00} within 30 days and keep above {$30000.00} until XXXX day after account opening. The promotion is within my Bank of America personal account online banking offers page. I clicked on the promotion link to open the business checking account and meet the terms and condition for the promotion as of XX/XX/XXXX. The bonus has not been posted as XX/XX/XXXX. I contacted Bank of America XXXX XXXX Customer Service at XXXX on XX/XX/XXXX and was told that the offer was not found on my business checking account.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello, I am a former XXXX customer who opened a high-rate savings account many years ago. CapitalOne purchased my account and several years later lowered the interest rate without telling me. I only found out this year when beginning to do my taxes. They call my account a " XXXX XXXX Account '' - deceptively close to their " XXXX XXXX XXXX Account '' which receives a much higher interest rate. I attempted to both call and chat with support to determine when this happened and what could be done about it, but I only get trapped in loops and dead-ends, unable to reach a human being to discuss.
Consumer complaint received 2024-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WI)

I am not liable for this debt with XXXX XXXX. I do not have a contract with National Credit Adjusters. They did not provide me with the original contract as I requested therefore violating my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-01-10
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 was a victim of identity theft and this company is still reporting this fraudulent account on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Consumer complaint received 2021-04-23
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. (TX)

I have been sending out letters out since XX/XX/XXXX. The last letter was sent out on XX/XX/XXXX. I have either not had a response or they tell me they have investigated my issue with the company and then states that it meets FCRA regulations. In my letters I state that a company was reporting inaccurate information on my credit report. It reports different account numbers, date last active, date opened, and also reports past due on accounts that it should not. From my understanding if one company is reporting to the bureaus it should have the sent the same information on all three bureaus. The only thing that was changed was a re aged or update on my account and I was ignored. This situation is hurting my credit score.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.