davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: 2288984 Ontario Inc. (NJ)

This is a new complaint against the same company, Money Key that was just recently filed on XX/XX/XXXX. In that complaint, this company ran my personal credit report on a soft pull ( 6 ) times on one day, XX/XX/XXXX ( see attached credit report ). This company is known as XXXXXXXX but has different address on soft credit pulll, see attached but the phone number is identical to if called, comes back to Money Key. ( See attached information from XXXX search with same phone number ) After calling this company on XX/XX/XXXX @ XXXXXXXX XXXX Est as in prior, and presently under investigation report with you, case # XXXX. I informed there so-called supervisor of my concerns of pulling my credit report in a soft pull SIX ( 6 ) times in one day, XX/XX/XXXX I also reiterated to this manager of Money Key to remove all information of me from there servers, do not run a soft inquiry again of my credit report and do not contact me again in any way including but not limited to email, written or electronic communication. I then filed the said report with your agency on XX/XX/XXXX against this company, Money Key. Today, on three separate occasions, one at XXXX XXXX EST, another @ XXXX XXXX EST and again @ XXXXXXXX XXXX  for the 3rd time EST. ( see attached call records from my cell phone that this company called at extreme late evening hours of the morning of XX/XX/XXXX. This happened after I just called this company the day before to cease and desist then filed the complaint with the your department which the case # I provided is still pending. This is now harassment, intimidation and abuse of my phone and of me. As a retired law enforcement official, both state and federal, this harassment is taken seriously and this continued harassment of 1st running my credit report on a soft pull 6 six times in one day, then calling and speaking with a manager of this company, Money Key to verbally communicate my desire to stop contacting, running my credit and to have no further contact with me to just ignore my request thats documented in prior complaint pending with pics of call log and credit pulls, now daringly calls my personal cell phone at late hours of the night is completely unacceptable, harassing and violating my rights to privacy. Im also registered on the national do not call list since XX/XX/XXXX and I advise this manager of Money Key of such during my call on XX/XX/XXXX but apparently, decided to ignore my request. This complaint is the 2nd complaint in two days in a row of this company
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, I received information that XXXX XXXX, a Director at Bank of America located XXXX XXXX XXXX XXXX, XXXX, NC XXXX had accepted monies in exchange for debiting the exact amount of my payroll check from my account using my debit card number. The person ( s ) she colluded with had also sent her copies of my debit card and driver 's license. To avoid this illegal debit, I contacted Bank of America customer service the same day and froze my account number XXXX to avoid any debits and informed them that I would go to the branch to open a new account. 

On XX/XX/2023 I opened a new account but was not able to transfer the funds to the new account until XX/XX/2023. As a result, my mortgage was paid late. Because XXXX is a Director with Bank of America, she has access to all of my banking information. Therefore, my efforts to protect my account are futile at best. 

On XX/XX/2023, a complaint regarding this matter was submitted to the Federal Trade Commission, report number XXXX. 

I've recently received communication that she has made a duplicate copy of a pay stub and as to what the plans are for it, I am unsure. 

As a consumer, I should be able to trust the personnel working at the bank. Please open an investigation into XXXX XXXX and her handling of funds especially in regard to my account. Thank you.
Consumer complaint received 2024-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kaiter Enterprises Inc. (CA)

Ive received a bill from XXXX XXXXXXXX dated XX/XX/XXXX regarding a day clinic treatment at XXXX XXXX XXXX XXXX XXXX during XXXX on XX/XX/XXXX. At the time I was covered by a medical insurance. Although that I told the doctor in the clinic that I dont have much money and Im not in a position to financially afford a large bill, he run all the possible test to make as much money possible out of me. The cost of treatment for the visit mounted up to {$2700.00}, and after adjustments {$920.00}. When I provided the hospital with my insurance the bill went down to just above {$300.00} of which I paid XXXX installments of {$30.00}. However, after a while I received a letter from debt collectors because I stopped paying. I made the outstanding balance. This was over a year ago. Over a week ago I received the bill with original amount of {$920.00}. So, the hospital is asking to pay the same bill twice. The Hospital visit Account # XXXX.
Consumer complaint received 2024-03-10
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: Chime Financial Inc (NY)

I am writing to formally address ongoing issues regarding my dispute with Chime Bank. Despite several attempts to resolve these matters with both XXXX and Chime Bank, I have encountered significant challenges in obtaining a satisfactory resolution. On XX/XX/XXXX, I requested a full refund of {$840.00} On XX/XX/XXXX, I disputed an XXXX charge with Chime Bank, stating that I did not receive services as advertised. I provided extensive evidence, including pictures, videos, chat transcripts with the host, policies of services promised but not received, and receipts of additional purchases I had to make as a result of the accommodation 's shortcomings. However, on XX/XX/XXXX, Chime Bank ultimately decided in favor of the merchant. Chime used the merchant 's policy with my pictures as the merchant evidence. The rest of my documentation was eliminated from the process. 

Despite my efforts to seek resolution through the bank, the chargeback process has not resulted in a refund. Furthermore, my communication with XXXX XXXX has not yielded a satisfactory outcome, as complications with the chargeback process have prevented any potential refund. 

Additionally, I received communication from XXXX on XX/XX/XXXX, informing me that, as per the XXXX XXXX policy, I would be eligible for a refund of {$140.00}, representing 30 % of the nightly price for the impacted nights. Despite XXXXXXXX XXXX efforts, the host denied any refund, and the refund was not processed. Chime Bank failed to properly investigate and correct their error in dismissing my evidence. 

On XX/XX/XXXX, I made a second dispute with Chime Bank but they determine no error occurred. I request on XXXX XXXX XXXX XXXX XXXX XXXX XXXX a copy Chimes evidence in making their determination but never received a response.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written XXXX and Transunion multiple times in requesting removal of erroneous collection accounts, old addresses, old phone numbers, old employers be removed credit report ( s ). XXXX recently removed all the requested information and updated my credit profile. 

I have submitted to each credit bureau copies of my identification, and social security number as per each request. I have made numerous phones calls the merchant that reported the error on file to the collection agency XXXX XXXX to no avail. They refused to return phones calls. There is no address or email address on their website to write to them. 

I have asked all three credit bureaus to provide in writing proof of contract with my signature from these collection agencies within a reasonable amount of time. Transunion did not respond at all to my last correspondence and XXXX is asking again for proof of identification and social security card again. 

I am NOT re-sending any anymore identification information. I've attached the correspondence letters to between myself and both XXXX and Transunion. The first letter from these credit bureau 's claimed that I reported identity theft. I did NOT report any such thing. Then, they each sent me copies of my credit report containing the same errors. 

This has been going since XX/XX/2023 with letters back and forth. I was denied an apartment therefore currently residing with relatives. This is a temporary arrangement. But I implore the assistance of the CFPB to please step in to get this issue resolved by investigating or enforcing removal of these collection accounts from my credit report.
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (ME)

Received a notice in the mail from XXXX XXXX collect a debt owned by LWVD funding. Resurgent is the company handling the accounts owned by the debt collector. They gave my PII leading to invasion of privacy without my consent to a third party servicer ( XXXX XXXX ) when asked about this practice and more legal info I was told by XXXX to contact resurgent. When I contacted resurgent I was told I could submit a request in writing. I also had some dispute issues to address per state law and asked for a supervisor for an email to send supporting documentation for the issue. My request for transfer was denied. To get the debt addressed per my rights under the law these policies and practices seem unfair.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I filed a dispute against a charge on my Chase credit card. The charge in question was in the amount of {$480.00} dated XX/XX/XXXX. They delay for the dispute was me giving the merchant the benefit of the doubt to make it right before calling Chase. The merchant was not willing to rectify the situation after over a month so I moved on to disputing the charge with Chase. At no point between the date I filed the dispute and today has Chase requested any additional information besides a letter from a 3rd party which has now been submitted but as i was speaking with them on the phone, they informed me the they closed this dispute the same day they requested information. This means that they never intended to review the information being requested as it is physically impossible for them to review any documentation because they closed the dispute before asking for it. There has been no communication from Chase regarding this to me and I was informed today that the dispute has been closed due to a lack of information received by me. I have submitted this information to Chase but they have told me it is too late and they will not reverse the charge even though I have now supplied the documentation requested by Chase specifically ( Per their request ). I do not believe Chase made any meaningful attempt to investigate this matter and instead are hoping I will let this go. This is a valid dispute and the merchant is being paid for services that were not rendered or received, and Chase is not willing to actually investigate the dispute. I am being charged for a service that was not provided and for material that was not provided, I have multiple pieces of documentation outlining this but was told they do not want the information i have. I have submitted it to them anyways but have now been told it doesn't matter. I have also requested to speak to a member of their management team and have been told by 2 supervisor that manager do not take calls and there is none else I can speak to. I am coming here in hopes that someone from Chase will reach out and rectify this matter as I have been a card holder for over 15 years and have never filed a credit card dispute in my life until this one. Chase is passing the buck because they dont want to do their part in investigation disputes effectively. they have made a decision with absolutely no information and closed the dispute before even asking for any documentation what so ever.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On Friday XX/XX/XXXX I attempted to withdraw {$500.00} from my checking account with Bank of America at an ATM. The transaction was declined at the ATM and my wife and I both received emails indicating " Suspicious debit card activity detected ''. The transaction appeared on my activity log in the bank mobile app but then it was reversed. The email indicated we needed to call the bank 's fraud department or restrictions would be placed on the account. Due to the length of time we were on hold to speak with a representative, I had to arrange to transfer funds to another bank acct and withdraw the funds using a different ATM card, as I needed the cash immediately, before the shop owner we planned to purchase an item from closed for the day. When we finally reached a representative, they seemed unsure why the transaction was declined but thought that " Maybe '' it was because I hadn't used the debit card for some time. I checked my records and I had used the card last on XX/XX/XXXX ( about 6 months earlier ). My complaint is that either there was no legitimate reason to suspend access to my own funds or if it was for the perceived inactivity of the ATM card, I was never notified or warned that a suspension was pending.
Consumer complaint received 2024-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CA)

My husband I called repeatedly between XXXX and XXXX of XXXX to understand why we were being charged for incomplete monthly payments when we paid New Rez twice a month - the full payment being made before the XXXX of the month. 

New Rez sited each time that they did not have a set process for twice monthly payments but would make adjustments to the accounting of our payments to recognize full payments by the XXXX of each month. 

This worked for a few months and then stoped in XXXX of XXXX with a Principal Adjustment fee of {$280.00} and they started charging late fees in XX/XX/XXXX in the amount of {$160.00} for the year XXXX and {$54.00} so far this year, XXXX.
Consumer complaint received 2024-07-07
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. (NY)

The amount XXXX was an unauthorized charge on my chase checking account on XX/XX/year> for guerlain.com. I file dispute with chase bank and chase ask me to contact merchant. Merchant provide information shows shipping address and billing address both are not match my bank account. But the transaction is still go through. And chase told me they wont able to assist me with this fraud transction. Billing address is wrong the transaction supposed to be denied. Isnt it?
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$37000.00} XXXX XXXX  XXXX XXXX XXXX : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MS)

Yes XXXX XXXX XXXX, is attempting to get me to pay an account that was sold to them by Citi bank unlawfully and I did not consent, which is against my rights and privacy. And also makes the debt a certificate of indebtness. Yet this is still in my credit report and they are still harasss me by mail. The account is CHARGEDOFF Which is certificate of indebtedness- which is a payment so why is my account still negative. [ 15 USC 6803 ] [ 15 USC 1681b ] 15 FCRA
Consumer complaint received 2024-05-04
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. (CA)

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 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 has violated my rights. 

15 U.S.C 1681 Section 602A States, I have the right to privacy.

15 U.S.C1681 Section 604A Section 2 States a consumer reporting agency can not furnish an 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 or any other adverse items 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 2023-12-11
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: REGIONS FINANCIAL CORPORATION (FL)

At the Regions Bank at XXXX XXXX XXXX Florida XXXX XXXX XX/XX/XXXX, I made a deposit of {$1500.00}, it is a secured card to make credit, said card was requested that day by the agent XXXX XXXX XXXX the card has never It arrived by mail and on multiple occasions I called the bank to tell them that it had not arrived yet, this agent told me that she would cancel it and she never did, I later returned to the bank to ask why it had not arrived and there they gave me the information that they made multiple transactions that I never made because I did not have the card, the first was at the same Regions bank in XXXX on XX/XX/ for a total of {$450.00}, XXXX # XXXX on XX/XX/ for {$230.00}, in XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/ for {$270.00} and {$2.00}, on XX/XX/ in XXXX # XXXX for {$47.00}, and in XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2.00}, for a total of XXXX, they tell me that I am responsible for something that I did not do because I never had that card, but they hide information since they carried out the first fraud in their own bank and there are cameras there, even though I promptly alert them that they never I received the card, they did not cancel it and they did not pay attention to me, accusing me of this responsibility that I did not commit, I need your help to resolve my case since it has affected me a lot.
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (MO)

Closed this complaint saying they can't fix th problem because the complaint is no specific to the problem, REALLY LET ME BE SPECIFIC EXPERIAN TOOK OFF ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND WONT PUT THEM BACK, YOU DROPED MY SCORE BECAUSE OF THIS PUT THEM BACK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (LA)

I paid off my {$600.00} credit card with XXXX  XXXX about a year ago, around the same time that I paid off my {$800.00} credit card with them as well. Once paid off, I never received confirmation of it, then less than a month later, they charged off the card that was already paid off. I had already requested that they close it once paid. A year later I have a balance of {$1800.00} something dollars on this card on my transunion and XXXX, however my XXXX  says that the balance is {$0.00}. I already contacted the company about it, and they did nothing. They claimed that ALL of my payments didnt go through. I did try to pay it off using my XXXX debit card twice, however mg bank wouldnt let it go through. So I then used my other debit card and paid the remaining {$300.00} something balance on it, bringing the account to {$0.00}. 
I want this off my credit now.