davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Sir ( Bank of America credit Card ) I have visa & Master with you My problem I received from you credit balance refund ( refund check XXXX ) XXXX I called and I have case number with Bank of America XXXX and another case XXXX Accounting ending XXXX my address XXXX XXXX XXXX XXXX XXXX New Jersey I received letter from you say the check is cashed by XXXX XXXX I went and they give me letter say not cashed it is return to Bank of America Them number or reference XXXX ( XXXX XXXX  Reference ) Please I lost between you and XXXX XXXX -I have letter from u and letter from them and no money How I can you and them contact how I can you and them communication together Now I, m lost between you and XXXX XXXX  Please see what I enclosed ( them letter -urs letter copy from the check ) Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX-New Jersey
Consumer complaint received 2022-10-20
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. (GA)

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 XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX 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 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 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 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 2023-06-04
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. (OH)

the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXX XXXX  XXXX XXXX Closed XX/XX/2XXXX XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I recently checked my credit report and noticed XXXX XXXX XXXX is attempting and trying to get me to pay {$1200.00} to them. 

I dont know this company or never did business with this company.This company doesnt have any proof or no signature of mine to validate this debt saying I owe them.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

I received what I thought was an interest free credit offer from Apple using their Goldman Sachs credit card arrangement and purchased XXXX XXXX  My auto pay checking kept paying Goldman its monthly charge while I accelerated my payments to close out this small debt. I finally realized I had overpaid on my account by more than {$2000.00} but continued to be billed monthly by Goldman as if I still had a balance. 

XXXX lengthly phone calls with them produced nothing. the last call was with a " supervisor '' name XXXX who agreed that Goldman owed me money but could do nothing but refer it up their chain. Never received confirmation- via email or text - of my hourlong conversation nor was the billing stopped. 

My first call to Goldman was in early XXXX when I asked for - but never received - an accounting of my account with them. Their resolution was just to continue to bill me which they are still doing as well as charging me interest on this phantom debt.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (TN)

I have asked this company to investigate these accounts and send me all documents /invoices originals so that I can see what I need to do next. Of course, they did the opposite
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I deposited three checks. I was informed by my bank Chase Bank of Texas that two of the checks were Nonsufficient funds. Each check that was NSF totaled {$53.00} each from the same check writer for a total amount of {$100.00}. I contacted my branch and spoke with the Manager XXXX at Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX I spoke with the check writer who told me to resubmit both NSF checks again on XX/XX/2018 I asked my bank Chase to return to me the two NSF checks so I can either resubmit the checks or go to the issuer 's bank and present the checks. My bank Chase bank is refusing to provide me the NSF checks. The manager XXXX promised to correct and call me back. 4 days have past and XXXX refuses to take my calls or return my calls. I have reported this to the main Chase Bank and still no action. Today I spoke with another person at my bank who told me they will not provide me with either of the two checks. 
I am XXXX on a very small limited budget and {$100.00} is a lot of money for me. The check writer is over 100 miles away and I am unable to go get a replacement check.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After going through all my credit card statements on all of my credit cards I identified several fraudulent charges over and over from the same merchants and some a few different merchants but all related to the same person or persons that were able to steal my credit card information and fraudulently use it. I have paid Capital One for these charges and have paid interest on them as well. I immediately notified capital one on all the charges that were fraudulent and felt confident that these charges would be automatically credited back to my account as they are obviously 100 % fraudulent and have been charged to my other cards as well. The other cc companies did their investigations and did conclude these were fraudulent. Capital One on the other hand treated me like a criminal and flat out Denied even opening an investigation into this. I asked to talk to a supervisor by the name of XXXX  XXXX XXXX  XXXX ( Fraud & Dispute Manager ), he was extremely rude and told me why I waited so long to report these I said between Covid and everything there was to to much going on at that time. I asked him to reach out to the companies that charged my card through XXXX and ask why the charges were made and to ask for a receipt it and kind of product or service they allege I bought. He wouldnt do anything he told me Im not going to do any of that and basically told me to bad. I did not make these charges nor did I do any business with these companies these are not a disputed item or product these are full fledged Fraudulent.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens Access Bank just closed my account today with an email and no information about the closure. {$20000.00} in funds are in my account. They have provided me with a check or invoice. They sent a document in my notices saying there was {$14000.00} available. The following business day Citizens blocked access to the account without giving me information on the account restriction either. I had my call escalated to a supervisor named XXXX and she disconnected the call as she gave me told me she had no idea why the account was closed. This service is outrageous and terrible.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-07-21
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF EDXXXX XXXX Balance Owed : {$48000.00}.
Consumer complaint received 2023-09-28
Product: Credit reporting 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. (WA)

I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the XXXX XXXX XXXXXXXX I know a thing or two about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on my credit report
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

Mailed letters on XX/XX/scrub>XXXX  to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with ComenityBank/XXXX. This debt is not mine. 

Someone unknown obtained my name, old address ( from 23 years ago ), and Social Security Number and opened a credit card in my name at Comentybank/XXXX XXXX XXXX on XX/XX/XXXX. They did a one time charge of {$850.00} on that date and never made any charges or payments since that date. This is presumed to be a result of the United States Government Office of Personnel Managements data breach of XX/XX/XXXX. I was notified by another retailers fraud unit ( XXXX XXXX ) in XX/XX/XXXX that this individual attempted to open another account with my information in Florida and they were able to determine the difference of address and stop it. I have notified the 3 major credit bureaus, filed a police report with the XXXX County Police Department. In addition, I have reported the case to the Federal Trade Commission. I also put a freeze on all 3 credit bureaus. 

I have tried working with Comenitybank and they keep telling me they " sold '' the loan to a Dept Collector ( Whom I have successfully had the dept collector removed from my 3 credit reports ). Comentitybank continuously says they do not send information to the credit bureaus after a loan is " sold '' yet the Comentitybank defaulted credit card debts continue to be on my 3 credit reports. When I contacted the 3 credit bureaus and ask why, they ALL say they contacted Comenitybank and Comenitybank is verifying the debt is " accurate ''. I asked the 3 bureaus where are they getting this, they tell me from Comenitybank. The bureaus will not disclose who they are receiving this from Comenitybank. When I call Comenitybank and tell them the 3 bureaus say that your company confirmed the information was " accurate '', they continue to say they they " do not report to the credit bureaus on the loan that was " sold '' to the collection agency ''. 

I have sent a certified letter to Comenitybank asking them to send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I have included the letter from XXXX XXXX where their fraud department picked up the fraud and absolved and removed all charges that were placed on a XXXX XXXX account as proof there is an individual out there using my name, SSN, and old address still actively trying to get credit cards in my name. 

To date, I have not received any correspondence, emails, or telephone calls regarding my request.
Consumer complaint received 2023-06-04
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. (TN)

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, XXXXXXXX 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  XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2023-07-21
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 am submitting this CFPB complaint to formally request an investigation and deletion of the accounts that appear to be misleading and inaccurate on my credit file, as per the provisions of the Fair Credit Reporting Act. The Following accounts shold be investigated and corrected by eahc of the Credit Bureaus respectively : For the Account XXXX XXXX, XXXX. XXXX XXXX : {$0.00} I have always had a stellar payment with this account as Experian and XXXX XXXX see. I do not know how this account suddenly reported as late! There is a clear negligent of duty here, as Experian and XXXX are clearly reporting unverified and misleading information. I understand the importance of maintaining a positive credit history. However, this late payment does not reflect my overall creditworthiness. I have a strong track record of making timely payments, and the late payment Experian and XXXX report on this account has caused me damage. I do not know where Experian and XXXX got this information, but I need Experian and XXXX to have this account removed for reporting erroneous and damaging data. 
And the Following accounts : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} and XXXX XXXX XXXXXXXX Balance : {$0.00} I need to bring these issue to XXXXXXXX XXXX XXXX as this inaccurate reporting of information has caused me severe damage. THIS ACCOUNT IS ONLY REPORTING ON XXXX CREDIT BUREAU. The information XXXX is reporting on this account is already outdated and misleading. I do not know how and where XXXX was able to maintain this outdated information, but XXXX 's continued report of such information is unacceptable. If only XXXX 's Record Keeping had been accurate and if XXXX actually kept tabs, this account should have never been reported at all. Under the protection of the Fair Credit Reporting Act, I request an immediate deletion of this account completely from my Credit File as soon as possible.
Consumer complaint received 2018-12-07
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. (HI)

My loan payments were always sent on time. I keep explaining this to XXXX and Experian but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}.