davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, I have received a letter from XXXX XXXX addressed XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to ask me for the inquiry regarding its dispute case ID XXXX regarding my Bank of American account # ending XXXX. It asked me whether I have any more rebuttal statement. At this moment, I would like to comment that you will give me further explanation on the banking documents originally sent by above-mentioned company, XXXX XXXX. This company asked me to make the correspondence with one of the Bank of American branches addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX ( XXXX ). Upon searching internet, I am not sure the legality of the information of this branch ; therefore, I have decided to share this information for security of privacy. 
Sincerely,
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAmerican Express XXXX XXXX XXXXAmerican Express XXXX XXXX XXXXAmerican Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I was in XXXX FROM XXXX XXXX XXXX UNTIL XXXX XXXX XXXXXX/XX/XXXX SO I DID NOT OPEN NO ACCOUNT FROM ANY CREDIT Companies FROM THESE CREDITOR.
Consumer complaint received 2022-11-30
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I pulled my credit report XX/XX/2022 I sent XXXX, XXXX, Experian Investigation Request letters to make sure it was 100 percent accurate information via 15 U.S.C. Sec. 1681i ( a ) If not I asked it to be deleted. In the letter it was 30 days giving to investigate and respond with a updated report to be sent back to me after the investigation. I never got a reply from neither of the Credit Bureaus mentioned above. I also sent them the violations on the credit report highlighted where it was not 100 % accurate. They disregarded my letters for the investigation and did exactly what they wanted to do. Now after all of that they tried to update everything to make it look as if it was accurate. Knowing it is XXXX dollar fine for every violation or they must delete the account. They choose to act if the account was 100 percent accurate by changing everything around. I have proof it was inaccurate before they updated the credit reports. The updated credit report will also be in the attachments.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inaccurate Information XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Consumer complaint received 2017-07-19
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: EQUIFAX, INC. (NJ)

I was a victim of   XXXX   XXXX   inquiry issue '' . i called them XXXX / XXXX /2017 to   make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
 XXXX  had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports.   XXXX   failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.
Consumer complaint received 2022-11-30
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. (IL)

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. XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXXXXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached XXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX Not mine inaccurate information XXXX XXXX XXXX XXXXXXXX XXXX Not mine inaccurate information XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate Information XXXX XXXX XXXX XXXX Never had an account with this company show me original contract with wet signature on it along with their name attached 15 U.S.C 1681 section 6028 that states I have the right to privacy. 15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (MI)

Company Name : Protect My ID for XXXX members managed by Experian On XXXX XXXX, XXXX I received a email stating that my account with Protect My ID would automatically renew on XXXX XXXX, XXXX and my credit card would be charged {$89.00}. XXXX There is no way to remove your credit card information on the web site XXXX. 
After reviewing the cancellation policy on their web page I tried to contact their XXXX customer service telephone line to cancel my account. I gave up after waiting for XXXX hour and XXXX minutes. 
On XXXX XXXX, XXXX I again called the customer phone line an again gave up after waiting XXXX hour and XXXX minutes. 
As stated in their terms and conditions I then sent an email to their customer support email address. The following day they responded, against they 're stated policy in their terms and conditions, that they could not handle my request via email and I would have to call the customer service phone number. I waited until XXXX XXXX, XXXX and tried to call again. This time I was on hold for XXXX hours and XXXX minutes before I gave up. 
I have followed their terms and conditions and now have sent a certified mail letter that has been notarized to the address provided. 
This company is a scam. There is no customer service provided. I have received nothing at all from them during my year of membership. If I wanted a credit report or my XXXX score, I had to pay extra, above my yearly membership, for them. No notice of credit card, loan, or bank account activity has been received through the year either. 
If they go ahead and charge my credit card I will dispute the charge through my bank. 
From they 're web page : Cancellation : You may cancel at any time during your membership. To cancel your membership please contact us and ( i ) provide your first name and last name, XXXX ii XXXX the email address associated with the account you would like to cancel ; and XXXX iii XXXX the customer number associated with the account you would like to cancel. You may contact us in the following ways : Phone : XXXX Mail : ProtectMyID, Attn : Customer Care, XXXX. Box XXXX, XXXX, CA XXXX Email : support @ protectmyid.com This address provided is different XXXX they 're customer service address with is : MAIL : ProtectMyID.com XXXX : Customer Care XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-04-26
Product: Credit 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: AMERICAN EXPRESS COMPANY (NV)

XX/XX/XXXX, XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my account balance. Response XX/XX/XXXX By XXXX XXXX, matter was closed. As of XXXX, XXXX  a XXXX  was accepted by the IRS for the amount of {$500000.00}. Copy B  was received from American Express that they have accepted the approved Copy B from the IRS. Credit card limit has not reflected the approved amount. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the amount due on the credit card account.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have disputed these debts with XXXX, XXXX and XXXX 9 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following collection : Portfolio Recovery Assoc {$620.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (IN)

This account was charged off on XXXX Since than, the account has repeatedly been updated as a charge off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : westlake portfolio m XXXX : westlake portfolio m XXXX : westlake portfolio m 15 USC 1666B
Consumer complaint received 2023-06-07
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. (IL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-04-26
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: Westlake Services, LLC (OH)

XXXX  i filed bankruptcy and West Lake service was part of my bankruptcy discharge. however, around XXXX - XXXX of XXXX West Lake service showed up on my credit report with inaccurate information listed the account as a charge off and with incorrect balance due on all three credit reports that impacted my credit profile.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citibank closed my account on Thursday XXXX XXXX  XX/XX/2024. With absolutely no adequate explanation why. 
Citibank security team says I violated their terms and theyll no longer do business with me. And then in total disregard will hang up when I ask for more information I honestly have no idea what happened and Citibank plans to send me a check in 30 - 60 days, In abject disregard and disservice. I need funds including rent money as the closure was abrupt.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

This is actually connected to my prior complaint XXXX with XXXX XXXX XXXX XXXX XXXX with the originating company being XXXX XXXX XXXXXXXX XXXX The outcome was found that they had no record of the debt belonging to me and they were able to correct my credit score and report. However, a new debt collection company negatively impacted my credit report and score and they go by Phoenix Financial Services with the same originator being XXXX XXXX XXXX this time with the amount being {$860.00}. I am not sure how or why they would get another debt collection agency to say I owe funds to them when my previous complaint went through and it was found that it didnt belong to me or was paid in full.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc. (CA)

I opened a self account XXXX XXXX  and I was paying {$35.00} a month and I always pay them on time and never been late on my payments and never miss any payments too, so my XXXX XXXX went up to XXXX and now after I finished all my payments on time and I closed my account my XXXX XXXX went down to XXXX. I paid for it and it should not go down to XXXX it should stay at XXXX.
Consumer complaint received 2024-04-26
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 was gifting these two Amex gift cards to my siblings for XXXX XXXX but they can not use them anywhere. I constantly contacted customer support. The first few times I was placed on hold then disconnected. When I finally got in contact with someone all they told me is that their accepted everywhere and for security and verification reasons that's why the cards aren't accepted. One card is for {$25.00} and one for $ XXXX chalked it up to lost money however I was recommended to put in a request with consumer finance
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

During the pandemic, we requested a forbearance plan. In the meantime, we continued to make payments but two of them were not properly accredited to the account in XXXX and XXXX. I have been calling them since then, and the representatives I spoke to kept saying that their system had not catching up with payments and requested to give them time to do so and disregard future notices of delinquency since they were just automatically generated for the system not recognizing the payments. 
We continued to accumulate late fees, penalties, recovery fees that now go above {$1200.00} and still show two payments behind, besides being reported to credit agencies as delinquent and having a negative impact on our scores. 
Every attempt to speak to XXXX XXXX XXXX, VP of consumer banking for XXXX Citizens financial group in Rhode Island has been blocked and employees say they do not have knowledge of him or XXXX phone #. I sent copies of bank statements demonstrating payments, and we are yet to receive any response.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (WI)

XX/XX/XXXX : Received a billing statement for an account with Comenity Bank that I was unaware was still active. I previously opened this account to buy something on XXXX month special financing terms which ended in XX/XX/XXXX. The current billing statement showed 22 individual {$.00} charges which I did not recognize. Based on previous experiences with other creditors, this is a typical activity of fraudsters. This particular card issuer apparently lacks safe gaurds to identify this type of activity. Any other banks I have worked with would have called me to notify me of such illegal activity. The card was unused for years and then randomly has numerous small charges in a row. Seem 's like a red flag but I am no expert. 

XX/XX/XXXX : Went to the card issuer 's website from my home computer which had a login and password saved on it for their website. I called the number on the website to report a fraud claim. Spent XXXX hours hold over the phone and was unable to report to their fraud department. The only person I was able to communicate with was through a 3rd party call center. I sent messages on XXXX and their online portal to call me and cancel the card. I was contacted via XXXX support then and was told someone would call me the following business day. 

XX/XX/XXXX : I received a phone call today and was immediately put back into a phone queue with seemingly endless hold time. I've waited hours on hold for the past 2 days. I can not manage my workflow and keep waiting on hold so I have yet to report the illegal activity. It is not reasonable to wait on hold all day to report fraud. I have a job and a family to care for. This company should have the proper staff to accept fraud reports in a reasonable amount of time. I still have not reported this to their fraud department and can not wait on hold for hours to do so.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I have had a chime acct for 10 years with direct deposit in excess of XXXX dollars monthly and I have both a chime checking debit card and credit card which I use at least XXXX times monthly. They have a spot me option for all customers. They have been advertising for months now that if you open an acct you will get a spot me if XXXX dollars. They require you to have XXXX in direct deposit monthly and to use chime card. I have never in XXXX years been allowed more than XXXX dollars and I've asked them over a dozen times why am I not given the same XXXX they offer everyone. There only excuse is to say that it's computer generated and they have no control who gets it. This is plain deceitful marketing practices. I am enclosing a chat with them that went on for XXXX days XXXX emails and they still refuse to acknowledge there promise