davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, On XX/XX/XXXX Bank of America send a wire transfer on my behalf to XXXX XXXX XXXX   under a company name XXXX XXXX XXXX. The Company could also be known as XXXX XXXX. The money was send for me to purchase an investment product called XXXX XXXX. I never received the product. Later I figured that the whole thing was a scam. On numerous occasions, I asked Bank Of America to retrieve the money from XXXX XXXX. They reported that the account owner closed the account with XXXX XXXX. The case # at Bank of America is XXXX. Please retrieve the money from XXXX XXXX. It is a scam. 

Thank You
Consumer complaint received 2023-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NJ)

On XXXX  XXXX XXXX I attempted to withdraw funds in Credit Karma Save Account. When I went through the process the last XXXX digits shown on the linked bank account did not match any account I have. I proceeded to try to change the linked account through their system that connects to XXXX. It would NOT work, no matter what I tried. It just returned to the same screen. I went on the help menu : the chat bot didn't help, I called the phone number... interesting enough the SECOND I described the problem the person on the phone immediately said they needed to move the complaint up. It was obvious that they have a required company response to this and who knows how many people are effected. 

On XXXX  XX/XX/XXXX I received an email from customer support with nothing more than the steps to the same process that they obviously know doesn't work. Nevertheless, I tried again, tried every way and it is not possible on their website. 

I have no idea what the account is that is linked and if I hadn't noticed, just went through and clicked confirm, which I'm sure many, many people have, who knows where my funds would be. I have once again taken the time to reply to their email but when I searched and saw the exact same issue reported by others I realized reporting this might very well be the only way to remedy the problem and get my money.
Consumer complaint received 2023-01-25
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Illinois, XXXX ( XXXX ) XXXX XX/XX/2023 Dear TransUnion, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX Amount : {$9900.00} Account # : XXXX Party Owed : XXXX XXXX Amount : {$960.00} Account # : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OK)

in 2022 I signed up for a tanning memebership ( I cant remember the name of the place ) month to month. Essentially a week after they sold the company to XXXX XXXX. I tanned their for 6 months and then called to cancel my membership. I checked my statement the next month ( XX/XX/2022 ) and I was still being charged. I called CHASE and explained I canceled this service and I was charged by mistake. CHASE refuned my money and I didnt think about it again. I got a notice last week that chase lowered the CREDIT LIMIT.. which is their perogative but it got me curious about the charges ( i dont use it for much ) and I noticed ive been charged {$77.00} every month from XXXX XXXX XX/XX/XXXX '. I cancelled with the company! I let chase know i cancellede with company and I followed up the next month!!!!. THEY OWE ME $ XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Hello, My name is XXXX XXXX, and I am submitting these complaints in hopes of getting a late payment reversed. I have never been late on this account. I am not sure if my payment didn't go through or if it was an oversight. 

As a courtesy, I am asking if this payment can be reversed to good standing or current. 

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: McNeil & Meyers Asset Management Group, LLC (OK)

I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX  XXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Collection Services, Inc. (OK, TX) (OK)

I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for $ XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a XXXX XXXX XXXXXXXX as well that they will not let me take off even though it is not mine due to their policy of XXXX. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you
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: Experian Information Solutions Inc. (TX)

I filed a cfpb compliant, XXXX on XX/XX/2023 and sent a letter informing that the account was listed incorrectly with many errors. The account was never updated with the correct information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-11-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (AL)

ProCollect has created a new collection account for an account that was paid in full. 

The facts are as follows : 1. ProCollect collected money from me, {$70.00} [ {$63.00} plus a {$7.00} collection fee ) ( see attached ), for a debt that had been paid ( proof of payment attached ). 
2. On XX/XX/2023 ProCollect apologized for any " misunderstanding '' and issued a promise to delete the letter ( see attached ). 
3. On XX/XX/2023 ProCollect reported that I owed {$500.00} to a company named XXXX. ProCollect never sent any correspondence attempting to collect a debt from this creditor. The first knowledge I had of the debt was an alert that I had a new collection on my credit report. 
4. XXXX ( aka XXXX XXXX XXXX XXXX ) is a security deposit alternative in which property management companies enroll their tenants. 
5. I have never done business directly with any company named XXXX XXXX. 
6. I paid all balances upon moving out of XXXX XXXX ( the apartment community ). 
7. ProCollect had two accounts : one for {$63.00} ( XXXX XXXX as the original creditor ) and the other for {$500.00} ( XXXX as the original creditor ). 
8. I reiterate : I paid XXXX XXXX {$560.00} at move-out. 

Questions : I am not understanding why I would owe XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) when I paid all of the charges to XXXX XXXX ( the apartment community ). Why is XXXX charging me {$500.00} when I paid XXXX XXXX an extra {$500.00}? What is the {$500.00} for? Did XXXX pay XXXX XXXX {$500.00} on my behalf? If so, did XXXX XXXX ever send the {$500.00} payment I remitted to them to XXXX ( XXXX XXXX, XXXX )? Did XXXX XXXX get paid twice for the same charge? 

It appears as if XXXX may have paid XXXX XXXX {$500.00} and then tried to get the money back from me when in fact, XXXX XXXX had already been paid in full thus no reason for XXXX ( XXXX XXXX XXXX XXXX ) to have paid anything to XXXX XXXX on my behalf as a tenant. 

Lastly, notice the date toward the right of the close-out report. This account was satisfied in a reasonable length of time before it was handed over to collections in XXXX of 2023, as learned from the last CFPB complaint I made a few weeks back.
Consumer complaint received 2023-04-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has come to my attention that numerous inaccurate names, account numbers, addresses, social security numbers and telephone numbers are listed without my consent or authorization on my credit reports. Attached is a letter stating the inaccuracies with a demand that they be corrected Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports section ( 2 ) and in accordance with 15 U.S. Code 1681c2 I demand that they Block all information resulting from identity theft, document attached.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (NC)

My name is 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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, Capital One, XXXX XXXX, XXXX XXXX, have violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc. (OH)

After XX/XX/2023, I was repeatedly called by Financial Recovery Service , Inc., and requested a cerified copy of the the actual debt. However, they have denied that request. They have sent what looks like a bill a few times. Last time they called was XXXX XXXX XXXX. They claim I owe {$750.00}. I have not called them back, I have visited their website, to see if it was real, as well as XXXX search on it. I am going to see about posting their number to a few websites so that their phone number becomes unavailable, anymore.
Consumer complaint received 2023-07-18
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: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency 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 then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. 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 These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (GA)

I had a debt around {$1100.00} in XX/XX/2022. I called pay off debt in full. I paid the full fee over two cards. Synchrony Bank stated they did not charge the second card and continues to charge interest after 3 disputes. The payment has ballooned an additional {$1000.00} and continued to charge interest during the dispute process. 

They were harassing me by calling multiple times a day during the early morning and late into the night. I asked them to stop harassing me and they continued to send letters and call. 

This has destroyed my credit by over XXXX points and has not allowed me to refinance my home to save me and my family money. I have spoken to them upwards of XXXX times with no help. 

They have locked my account and I can not even pay online even if I wanted to. They continue to charge interest.
Consumer complaint received 2023-11-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (CA)

On XX/XX/23, One Main withdrew an amount of {$260.00} from my account using XXXX XXXX three days after XX/XX/23, where they confirmed online that the entire loan was paid off. Thus the XXXX XXXX should not have been initiated on their end. 

The online account states that the electronic payment taken from my account was reversed but I havent ever received the money back. It is now almost a month since they took the money, and far past XX/XX/23, the date for which 15 business days had passed since they wrongfully took the money but their claim was that I would receive it by then. 

I did not receive the money by XX/XX/23. Indeed, on XX/XX/23 and on XX/XX/23, I called the branch where I signed the loan documents and discussed the matter both times with a spokesperson named XXXX, who both times was dismissive and unhelpful when I stated that I would like a check and not an electronic payment. The first time he confirmed that {$260.00} had been taken out of my account but claimed that One Main couldnt stop the electronic payment despite my voicing doubts the process would go smoothly and directly asking for a manual check then and there. 

The second time I called, XXXX still refused to write me a manual check for the correct amount of {$260.00} or get his manager on the phone after XXXX told me that One Main would only send me an overage check of {$26.00} and I shared my disbelief because the amount was so low. Indeed, the 2nd time I called, XXXX outright denied that One Main took {$260.00} from my account because he couldnt find the proof on his side. 

When I said I could call the CFPB but truly preferred to resolve the matter then and there, XXXX claimed that he wasnt actually qualified to help me, which left me wondering why he had tried to handle my complaint in the first place, both times I called. 

Finally, XXXX asked for my number to leave it with a manager who stepped out for lunch but the manager never called back to verify that the payment reversal had indeed been halted electronically nor did One Main ever call to verify that they could write me a manual check for {$260.00}.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OK)

I have paid off all my creditors but there are 3 items that are inaccurately on my report that needs to be taken off. I have never had a Title Loan and I have asked repeatedly to show me the Original Loan Agreement with my signature and they could not. They told me they would take it off and still have not. There is a Doctor visit bill for XXXX XXXX I know nothing about either. I have asked for the Original Bill with signature and still showing inaccurate information effecting my credit score. There is a Citi Bank Freud as well that they will not let me take off even though it is not mine due to their policy of Freud. I have asked for Original Bill with my signature and they do not respond. My Credit Report needs to be corrected. Thank you