davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Dear Sir and Madam, I moved to a new place in XXXX and lost my credit cards. I did set up future mails forwarded to my new address but I never received the statements or an email from the Bank of America showing that I was behind on payments. there's no one ever called me to inform me that I still owed {$5.00} which was a purchase of a CART in the airport back on XX/XX/2022. 
I called Bank of America to request the new cards so I could log on to my online banking accounts to check my account and they said they will fix my credit score so it will not affect my credit score, since it already lowered my credit score by over XXXX points. My score was normally over XXXX points in the last few years. 
I called on XX/XX/2022 to make the payment of {$5.00} for what I owed with a Bank of America representative over the phone. I also set up a minimal auto payment monthly to prevent this to happen again in the future. 

So far, my credit score has not been recovered yet. 

Thank you so much for your support!
Consumer complaint received 2022-12-10
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. (NY)

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 2022-11-25
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of Accounts below has Violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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 2021-01-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Support on XXXX has been EXTREMELY unprofessional. Providing contradictory information as well as having multiple specialists provide incorrect information regarding emergency stimulus relief. Something must be done to hold this company accountable. Ill be switching banks.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

We responded to an offer of an AAdvantage credit card with a {$200.00} statement credit for XXXX XXXX purchases during the first 6 months and XXXX bonus miles after {$2000.00} in purchases during the first 3 months ( attached ). We received XXXX bonus miles but no statement credit, despite having charged over {$6000.00} in airfare on the card immediately. 

When I contacted Citi AAdvantage about this, I was told to send a copy of the ad to which we responded. Instead of being issued the credit, we received the attached letter stating that, " A {$200.00} statement credit is not a part of the XXXX bonus mile offer. ''
Consumer complaint received 2022-09-22
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (OH)

I contacted Nordstrom card through their secured messaging to let them know I needed help after a XXXX XXXX my child had and its going to affect us financially. They wanted me to call instead of communicating over messaging. I am XXXX XXXX and have a very hard time XXXX and XXXX over the phone. When I brought this up Nordstrom card kept saying to call. And I repeated again that it wont work for me because Im XXXX XXXX. No one seemed to care and refused to comply to XXXX methods when it came to my XXXX Instead of working with me Nordstrom Card reported me as 30 days late when I needed help. I feel like Ive been discriminated. I am a XXXX veteran along with that. 
I also asked them to stop calling my phone but they continue to do so. Speaking louder or yelling or whatever they had planned doesnt do anything for me.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX XXXX its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX  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 XXXX, 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 XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXX XXXXXXXX XXXX, or such other government agency deemed appropriate by the XXXX ; 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. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$5500.00} and XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date of receipt.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00}.
Consumer complaint received 2023-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

Fox Collection sent me a bill in the mail inwhich I return it asking them to validate that I had an agreement with them and if they could not prove I had a debt with them to cease and desist all collection action. They have since reported this debt on my credit report. Fox Collection has yet to prove they are a holder in due course with the right to enforce according to XXXX XXXX XXXX 

Since I have no contract with Fox Collection, they have obtained my unpublished personal information and reported it on my credit report by means of fraudulant and deceptive methods according to the privacy of consumer reported in 12 CFR 1016, the right of the consumer to opt out of reporting nonpublic private information, 15 USC 6802, Regulation Z 12 CFR 1026 which states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Fox Collection has not provided any notice of reporting information on my credit report, nor should they have my information since we have no contract giving them the rights of a holder in due course.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

The accordance with Fair Credit Reporting act this accounts has violated my rights. XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XXXX I traded in a car to get a XXXX XXXX ( XXXX ) for XXXX. I later found out that they had me in a deal for XXXX. They later repossessed the vehicle and state I owed them XXXX and now has on my credit report claiming they are owed XXXX.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did not authorize XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX GA XXXX to run an inquiry on my credit report.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (NE)

I requested XXXX XXXX 2015 via certified letter that I am disputing the debt and requested original documentation of the debt because they are reporting this negatively on my credit reports. They did n't respond to my letter. I also filed a complain with the XXXX. This is the response from the XXXX : After numerous attempts via telephone and certified mail trying to reach Pinnacle Credit Services LLC, they have chosen not to respond to our requests. We understand this does not resolve your complaint against the company and empathize with your frustration over this issue. We will be closing the case as " unanswered ''. Your complaint will remain in the company 's XXXX XXXX XXXX for 36 months, our standard reporting period. That review is made available to the consuming public, the news media and various regulatory agencies. Your complaint will reflect the lack of response by Pinnacle Credit Services LLC. Your complaint may spare another consumer from having the same experience that you had. If the company contacts you and a resolution is reached, please let us know so our records are current. Thank you for using the XXXX 's services. I have also filed a complaint with the Attorney General of XXXX and XXXX. I am at a loss on what to do next. They should not be able to conduct business in this way when they are consistently not following the FDCPA. This company has an extensive amount of complaints against them and needs to be held liable for their poor practicing tactics.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I have chime and have set my T up to receive my social security XXXX payments I have received a couple and them received a back payment lump sum XXXX and then they suspended my account this has been since around XX/XX/XXXX I keep speaking to reps who are no help as of XX/XX/XXXX they sent my direct deposit back but will not let me close or open up or even send my funds back I cant get any information on my account all the asked for was a copy of my Id and mail with my address myself and children are in a very bad way we are not able to have any funds please help
Consumer complaint received 2023-06-19
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. (NY)

I have reported identity theft to each credit reporting agency to support disputes for fraudulent accounts on my credit report. I have submitted FTC reprots, Identification and utility bills to verify my identity. The companies then submit disputes to the creditors involved and are supposed to send the FTC report and ID. When I speak to the creditors, I am told they received Id but no FTC report or they received the FTC report but no ID. 

This has happened with : XXXX Trans Union XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KLS Financial Services, Inc (TX)

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

15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (WA)

I just sent them a billing error notice and remittance to deposited and credit to my account again I hear nothing they sent me a letter saying this XXXX. What's showing in my account t they sent a letter stating balance now as positive they sent printed statement not authenticated no seal or navy federal employees who issued it didn't sign it I caught something today as to the credit I know I was approved for I seen their system glitch obviously their looking at me in dishonor I've shared with the malware code.second how could this balanced be over drawn XXXX they denied me overdraft.can you ask why they have credited my account from notes they received and why hasn't the manger at XXXX branch sent my note back like stated three weeks ago they have my account still frozen they said they investigated my claim from account XXXX and if I wanted results get a supena.so I forward all 34 recorded conversation saved chats all receipts everything the XXXX in remittance that I pledge accepted for value and they haven't credit my account .and I asked for statements sent they got me blocked in app I can't download them when they reset my log in I stated I wanted delivered not electronic so my aunt who works for ncua signed a power of attorney and will be assisting there is not one thing they fixed or worked as they replied so now since you sending them tuff and their playing both sides my aunt after reviewing everything even the certified tracking number for everything sent she will handle this because they are violation and causing harm and setting my account and doing things to benefit them.they said they don't have anyy shares or assets my aunt was appalled and disappointed to here reps say this conversation is not productive .when I send response and they can't read it.my aunt see what's going on and is meeting with board of directors .and gon na bring investigation and claim for me they are wrong keeping my credits. But didn't know who my mom 's sister is at the ncua it's sad my aunt see everything you allowed them to just lie and cause harm she be reaching out to you guys to one what you really did submit and what steps you took instead of just closing things .yeah I have family in government not my place disclose but just cause you you don't know who people are and take advantage .sometime that comes back to bite.last thing the last discriminating convos with repsy aunt was on the phone as well taking notes. She didn't believee at first but navy federal gon na pay for this for sure
Consumer complaint received 2023-04-12
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is older than 7 years from the XXXX delinquent date. However, another date is given as the original delinquent date.
Consumer complaint received 2023-04-12
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. (KY)

The account in question is with XXXX XXXX XXXX, and the account number is XXXX. I did not open this account, and the charges made on it are not mine. I suspect that the account was opened fraudulently by someone else who obtained my personal information without my knowledge or consent. I have taken steps to address this issue with all XXXX credit bureaus. XXXX removed this account after XXXX XXXX XXXX couldn't verify the debt, but XXXX and Equifax still has this account reporting on my credit report. I contacted both XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX about 2 months ago to dispute the debt and report it as fraud. Since then I have not got a response and have made a few follow up calls but haven't got any help. I am requesting that the account be removed from my credit report as it is not mine and was opened without my consent. I have included copies of the police report and any other relevant documentation to support my claim. Please investigate this matter and take appropriate action to remove the account from my credit report. I appreciate your attention to this matter and your prompt response.
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (MD)

I have yet to receive proof of the debt being owed. FMS has yet to provide with a notice of delinquency or any chance of amounts. 

This was not a joint lease, I wasnt a lease holder. I was a guest and I was on my friends lease, to gain access with a key card, but I NEVER signed a contract and/or lease.