davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

During a trip through XXXX airport on XX/XX/XXXX I stopped at the United Club to get information about accessing that benefit and were provided with a brochure that indicated {$0.00} annual fee for the first year on this card. The United Club representatives at XXXX provided me with an agent code for that offer ( XXXX ) and indicated that the offer expired XX/XX/XXXX. I submitted my application on XX/XX/XXXX, received instant approval, and have since received and verified my card. I was charged the {$520.00} annual fee on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX, spoke to a manager, and was advised to file an escalation through via Secure Messages online. 

The response I received was that the cardmember bonus attached to the card is XXXX miles after spending {$3000.00} by XX/XX/XXXX - not the offer extended on the brochure and not an offer that I would have considered applying for. 

On XX/XX/XXXX I submitted a a question to see how I can change to a no annual fee card, knowing that simply canceling the card would damage my credit score. The subsequent response indicated that the card is not eligible for a " product change '' until XX/XX/XXXX. 

I have not used the card, the only charge is the annual fee. 

The pertinent pages of the offer brochure are attached ( front & back, pages 2-3 with the agent code, fine print pages ). The other pages just highlight other card benefits.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD card was stolen in XX/XX/2020 and they were using it while I was waiting to receive it and were able to withdraw {$6100.00}. I called to receive a new card and file a fraud claim ( I also filed a police report on the stolen money ) and they sent me a new card so I started withdrawing the rest of the money on the card but on XX/XX/2020 my card was put on hold when I tried to withdraw more money. I called Bank of America the next day and they said because I filed a fraud claim my account was frozen and they would put in a form for my account to be reviewed and unfrozen. I then proceeded to call twice a week and they just kept telling me to keep checking to see if my account reopens. I also reached out to EDD and they said everything on their end was fine so they didnt know why Bank of America still has my account frozen. My account has been closed for three months and they keep telling me they will file a new form and to keep checking if my account reopens. Since my account being frozen in XXXX I have only received one notice in XXXX telling me my account was frozen. I also was told I cant reopen or check on the status of the claim that I filed in XXXX when the money was stolen because my account is on hold right now, they said I would receive a letter in the mail and I didnt receive anything. I still have money left in the account that Im not able to withdraw.
Consumer complaint received 2023-02-07
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: ALLY FINANCIAL INC. (TN)

I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by ALLY FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Consumer complaint received 2020-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MN)

I am a victim of identity theft. Someone opened a fraudulent account with Western Union using my name and identity. I have never applied for or had any account with Western Union. I am not able to open an account with Western Union because of fraudulent accounts with Western Union.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

Upon checking my credit report and paying down over {$7000.00} in debt, my credit score keeps dropping lower and lower. I recently found out that a close friend of mine is using my information which shows on my credit report. For what in do not know. But his name appears on the XXXX website and I have prodd of this. My ssn is off by XXXX number or my last name being changed by XXXX letter. Theres also a XXXX Credit card in my name which I did not open. I asked for these to be removed and they still show up. Plus I had a XXXX XXXX card cancelled because of a low credit score and I paid the min payment weekly. Not monthly.
Consumer complaint received 2023-05-19
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. (NJ)

After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union file number XXXX, XXXX XXXX  needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in XX/XX/2017 XXXX XXXX XXXX  reported a late payment with a o, XXXX, amount due. 
the previous month i had paid more then amount due which gave me a XXXX amount due for the month of XXXX. they reported me 30 days past due because i made no payment on XXXX on the XXXX balance. i haqve talked with XXXX XXXX and they have agreed to remove the past due report but have not do so yet. please remove this past due of XXXX report from my credit report so my credit report will improve and i am not penalized for paying this account ahead of time and not paying on a XXXX amount due.
Consumer complaint received 2023-02-20
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: Fidelity National Information Services, Inc. (FNIS) (VA)

I had two XXXX XXXX bank cards open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. XXXX  wont remove anything from account even when I showed them that both XXXX and XXXX took it off. Then Chex systems have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AR)

I contacted this bank on behalf of my mother with her consent on XX/XX/2021 @ XXXX this was the conversation My is a my mother is customer of Regions Bank. We contacted you XX/XX/2021 @ XXXX when I discovered what I believe is scam. In less than 2 days she has depleted all retirement/checking account income and with no one questioning her about the transaction which would be abnormal for her account activity. {$9000.00} - XXXX gone withdrawn less than 48 hrs. Allegedly calling from XXXX XXXX saying they are supervisor of the DEA a federal agent would arrest her take everything she owned. Threats made about her kids if she said anything her kids being taken to jail if she give didn't them money. 
I'm so confused. We called the bank trying to explain but the women wasn't helpful. I've contacted the police left emails calls more calls contacted the stores where the crime took place. Contacted an Attorney. Less than 48 hours these criminals continue to contacted and harassed my mother after taken everything. Wow. Thanks Regions, purchased 19 gifts cards each worth {$500.00} at XXXX 's. I tried the the same action today XX/XX/2021 and needed ID and to sign the gift card book to complete the purchase ( store policy ). I guess only on XX/XX/2021 and XX/XX/2021 you don't need ID. It takes a village to protect the criminals. They neither place offered no support nor compassion.
Consumer complaint received 2021-05-10
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. (TX)

Discover NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE DISCOVER. 

REQUEST= MAKE XXXX XXXX TRANSUNION AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Consumer complaint received 2021-03-22
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: Lending Club Corp (NY)

This company violated the law Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar credit device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, Congress said ANY card. The credit card is used is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under Title 15 Chapter 41
Consumer complaint received 2023-02-20
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. (VA)

I had two XXXX XXXXXXXX bank cards open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. XXXX wont remove anything from account even when I showed them that both XXXX and equifax took it off. Then XXXX XXXX have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Recovery Solutions, LLC (TX)

My identity was stolen on XXXX. One of the resulting charges was for a XXXX XXXX not even in my state. I filed, contacted each company and worked all this out. Now XX/XX/XXXX XXXX is calling telling me I owe this debit and they've been hired to collect it. They, a woman named XXXX, said I owed {$2400.00} to XXXX XXXX from XXXX. I explained to her exactly what happened and she said " these people have your name, DOB, and social. " I will email the form needed to file fraud charges. '' They have continued to call via recording left on my voice mail that they are trying to collect a debit. I have contacted the company XXXX, XXXX XXXX, who says I've never had an account with them and I'm not in their system, and the XXXX XXXX Sheriff 's department to file again. I have called XXXX multiple times never returned my calls or sent me an email or letter in the mail. This makes me feel that certain someone is using my identification fraudulently but has started again since recently my bank acct was recently hacked and this is all connected to XXXX XXXX XXXX. I asked for a cease and disisst for calling me and informed of XXXX Complaint, contacting you, put me on your do not call list, and I've filled the police report I believe these are connected and pray for relief. 
XXXX XXXX
Consumer complaint received 2018-10-05
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: Experian Information Solutions Inc. (CA)

I disputed with experian on collection account XXXX XXXX XXXX twice. both time experian failed to verified this account is a judgement in XXXXand this debt is too old to place on my credit report.The collection agency place a misled informations on my credit report that the account was new but it was in fact the judgement is 12 years old and it should not be on my credit file.. Talked to experian they sound like they do not care or want to verify accurate information with this collection agency and have requested to certify the collection agency update informations like how this debt became and what type of debt. As I pointed out with experian that original creditor is personal name XXXX XXXX and it must be a judgement but experian failled verify under frca rule 611.
Consumer complaint received 2022-11-07
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accounts Receivable Services (MN)

Accounts Receivables LLC dba Reliance Recoveries violated the Fair Debt Collection Practices Act by failing to provide written disclosure of debt. The company engaged in deceptive collection tactics by misrepresenting debt owed, demanding excessive fees, illegal interest, and other expenses and taking legal action. 

After receiving a statement of claim and summons in the mail for {$1800.00}, plus disbursements for an unverified medical debt, I sent a debt validation request letter via certified mail. Accounts Receivable Services LLC dba Reliance Recoveries failed to provide written validation of debt.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit 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. (AZ)

My XXXX 's credit card was paid in full from XXXX to XXXX. i logged into my mobile app early XXXX to do some shopping and noticed that there were 2 charges on my credit card that i did NOT complete/authorize. There was 1 for {$400.00} something and another for {$16.00}. I reviewed the transactions and it said it was being delivered to someone i do not know in Virginia ( I believe that was the state ). These were FRAUD charges. I contacted Comenity to dispute these in XXXX, and i spoke to a representative that stated that he resolved the issue, and that the charges would be removed from my account. He instructed me to update my passwords which i did, and i also removed my credit card number from my mobile app. At this time in XXXX, i assumed everything was taken care of, however that was not the case. The representative took care of the {$400.00} charge, but with the {$16.00} charge, decide to only credit {$11.00}, leaving a {$5.00} balance on my account! Why?? Comenity has been contacting me daily and i have explained multiple times, that this is an error on their part, and that those charges were fraud. They have been harrassing me with multiple calls daily, and when i do answer and talk to a representative they argue with me that it was not fraud and that i need to pay it. They are refusing to help me.They are now charging me late fees and interest, so this balance is now at {$50.00} something dollars. Every time i talk to a representative i don't get anywhere! And there have been multiple times i ask for a supervisor and they " transfer '' me only to then disconnect the call. I need this to get resolved because it is affecting my credit.
Consumer complaint received 2021-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On multiple dates regarding the weeks of XXXX, XXXX, and XXXX, Transunion LLC was notified and made aware in accordance to 15 USC 1681s-2, sections ( a ) ( B ) and ( a ) ( A ), that there are and still are unauthorized and unverified credit inquiries with no accounts attached to them are still reporting and negatively affecting my credit score. Taking into account 15 USC 1681s-2 section ( b ) ( E ) and 15 USC 1602 sections ( e ), ( i ), and ( g ), state and make clear that I am the original creditor and I have said and told this to the employees at Transunion LLC and they refused to remove the following credit inquiries : XXXX [ Inquiry date : XX/XX/2020 ], XXXX [ Inquiry date : XX/XX/2020 ], and XXXX XXXX XXXX [ Inquiry Date : XX/XX/2020 ]. I have made Tranunion LLC aware multiple times of these inaccurate and unverified items due to the FCRA and Transunion LLC has refused to remove them so I reach out to you Consumer Financial Bureau for your assistance with this matter. Thank you.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I have made several attempts to lower my payments for my auto loan through my financier, Santander Consumer USA. I have been unemployed for nearly 8 months due to COVID and have made them well aware of this. They repeatedly denied these requests. At the time of financing, this company was well aware that I would more than likely default. With no more options, I have formally surrendered the vehicle and the repossession company is coming to collect it tomorrow. I am anticipating that the company will file suit to collect the deficiency balance from me. I have read about the 33 state settlement that took place last year in 2020 and would like to know if I qualify to be forgiven for this deficiency. They are a predatory lender and are ruining peoples financial well being.
Consumer complaint received 2023-04-16
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. (PA)

I will need to work on improving my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's important to have a good credit history in order to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I was unable to do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character in accordance with the 15 U.S.C. 1681 statute.