davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a Bank of America credit card. Last XX/XX/XXXX I took advantage of 0 % APR balance transfer offer that they had that offered a balance transfer at 0 % APR until XX/XX/2018 for a one-time transfer fee. I have transferred balances to this credit card earlier without any issues so I was not expecting any problems this time. However, when I happened to check my credit card balance this month, I noticed that I was being charged a 1.99 % APR. I have tried calling Bank of America several times and even spoke to one of their supervisors but could not get anyone to help with fixing this. The Customer Service manager transferred me to Sales and Sales says that they only deal with new credit card applications, not existing cards. I have spent over two hours on the phone with different people at Bank of America and no seems to know how to fix their error and get me my promised 0 % APR offer. I took advantage of this offer online but checking back, I do not see any email confirmation from them. I do n't have any documentation to prove my claim but since it was done online, there should be a record of this transaction with Bank of America. Their XX/XX/XXXX statement onwards shows the wrong offer ( 1.99 % APR instead of 0 % APR ) on the statement.
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bryant, Hodge & Associates LLC (FL)

In XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
In XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2022 upon checking my online banking account with chase bank I realized there was a pending transaction for {$9000.00} and {$10000.00}. I immediately went to the bank and asked them to cancel these transactions, because I did not make them. The bank informed me that they were not able to put a stop payment on these transactions so I had to file a dispute. I filed a dispute that day. After this Chase informed me they were not going to return the {$9000.00} because they decided it was a legitimate transaction. They gave me a provisional credit For the {$10000.00} transaction while they investigated. Over the next 45 days I checked in with the bank multiple times to explain to them that the {$9000.00} transaction was not legitimate and I needed my money returned. XX/XX/2022 I realized Chase took the provisional {$10000.00} credit back out of my account causing my account to be - {$10000.00}. I called the bank and I spoke to about XXXX representatives the last person I spoke with said that she was going to put a stop payment on this {$10000.00} and also put a stop payment on the {$9000.00} Check that was cashed already. I didnt understand how she could do this and why this wasnt done in XXXX. She said the money should be back in my account within XXXX to XXXX hours. I thanked her endlessly and I told her I appreciated her and she really saved my entire business only to find out that she indeed did not put a stop payment on anything instead Chase took the remaining {$4400.00} I had in the new bank account that I had made with them whenever my first account was compromised they took that money and put it in the account that was - {$10000.00} and left me with no money now my business is closed. I have no money I am in debt, and theres nothing I could do. These charges were not made by me and Chase just let me be robbed! I even gave them a police report to verify I reported the theft to the police. I dont know what else they wanted for me to prove that I did not make these transactions. 

Claim number XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AL)

Company RC/RESURGENT RECEIVABL Account number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Telephone number ( XXXX ) XXXX Dear sir/madam I am writing to dispute the presence of charge off of {$910.00} on my credit report as reported by your agency. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate, verifiable, and timely. Upon reviewing my credit report, I have identified inaccuracies in the reporting of the charge offs, which I demand to be rectified immediately. The FCRA, under 611 ( a ) ( 1 ), mandates that credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is evident that the reported charge offs do not meet this standard of accuracy, as they are either erroneous or inadequately substantiated. Furthermore, 623 ( a ) ( 2 ) of the FCRA stipulates that credit reporting agencies must conduct a reasonable reinvestigation of disputed items, free of charge, and must promptly delete inaccurate or unverifiable information. Therefore, I request that you conduct a thorough investigation into the validity of these charge offs and provide evidence supporting their accuracy. Moreover, as per 623 ( a ) ( 5 ) of the FCRA, I am entitled to receive a written explanation of the results of the investigation within 30 days of receipt of my dispute. Additionally, if the investigation results in the modification or removal of the disputed information, I request that you provide an updated copy of my credit report reflecting these changes. Failure to comply with the FCRA 's provisions may result in legal action against your agency for non-compliance. Pursuant to 616 of the FCRA, individuals are entitled to seek damages for willful non-compliance, including actual damages, statutory damages, and attorney 's fees. In light of the foregoing, I urge you to take immediate action to rectify the inaccuracies in my credit report by removing the disputed charge offs. Please provide written confirmation once the investigation has been completed and the necessary corrections have been made. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN, COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : dispute Item and explanation. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these below mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX we have taken steps to freeze credit reports at all 4 know agencies : Equifax, XXXX, XXXX, and XXXX. This is in response to the significant security breach and theft of personal information from Equifax in XX/XX/XXXX. 

XXXX and XXXX have charged {$10.00} each form myself and my wife, for a total expense of {$40.00}. ( Equifax and XXXX have no charge for this service. ) However, we believe that Equifax 's official response to the breach inadequately protects our identity. Credit reporting alone is insufficient. We feel that the company should reimburse us for the time and expense of freezing or credit reports. We should also be allowed to temporarily lift credit freeze at no additional charge with all of the credit bureaus as required for normal financial matters.
Consumer complaint received 2023-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.
Consumer complaint received 2024-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CAPITAL ONE BANK USA XXXX Capital One XXXXXXXX XXXX, VA XXXX Dear : CAPITAL ONE BANK USA Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXX 2023
Consumer complaint received 2022-05-23
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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: Open Dealer Exchange, LLC (CA)

Per USC title 15 1681 [ N ] any reporting of my personal credit without expressed consent is a violation of the law cease and decist all reporting and inquiries without expressed written consent from me the consumer.
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (VA)

I have received over 10 calls/messages from United Consumers for a debt belonging to XXXX XXXX XXXX. When I called to inform United Consumers to report that this debt is not mine, I was told that the phone number is linked to the original account. That is impossible since I never received calls for the original account, and the other individual would not have provided my home telephone number. I suspect that Universal Consumers is trying to call people in the phone book to collect this debt without any good faith basis that the debt actually belongs to the individual called.
Consumer complaint received 2024-05-03
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I disputed a late payment with the for-profit Consumer Reporting XXXX EXPERIAN and XXXX for their inaccurate reporting and violation of my consumer rights for the trade lines XXXX XXXX XXXXXXXX XXXX XXXX for the amount of XXXX highest balance [ XXXX monthly ] and XXXX XXXX XXXX highest balance [ XXXX monthly ] I also disputed the alleged debt and asked for Validation of the debt from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX has thus far refused to send me proof by written correspondence of validation but instead ignored my request all together and XXXX XXXX has not responded at all in over a month. 
EXPERIAN and XXXX I believe are willfully refusing to follow the law for late payments Per 15 USC 1666b-timing of payments, 15 USC 1681i , and 15 USC 1681e as the trade lines in question was acquired with a credit card per 15 USC 1602 ( l ). This violation of my consumer rights is injurious to me and in conflict with 15 USC 1681. I believe this is proof of willful negligence per 15 USC 1681n. Furthermore, I decided to opt out of EXPERIAN and XXXX reporting information on my consumer report without my written consent per 15 USC 1681b Permissible Purpose due to them violating my rights and injuring my credit worthiness with inaccurate reporting. After continued violation of my consumer rights by EXPERIAN and XXXX and seeing how the inaccurate reporting injured my credit worthiness on my consumer credit report to I felt forced to make a decision to opt out of EXPERIAN and XXXX reporting any information at all on the trade lines mentioned above per 16 CFR 313.7 ( f ) Continuing right to opt out, in hopes of resolving the issue in whole. EXPERIAN and XXXX willfully ignored my requests and still continued to violate my consumer rights and operate Ultra Vires. 
I also included this correspondence below in my dispute. 
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written non written, verbal and nonverbal per 15 usc 6802. Per 15 USC 1681n I am entitled to {$1000.00} per violation. 
These for profit Reporting Agencies EXPERIAN and XXXX have trespassed on the provisions of the FCRA and I the consumer am injured by their willful negligence. Per 15 USC 1681s-2 these consumer reporting agencies failed to in good faith investigate my dispute fairly and impartially due to their profitable interest. This inaccurate reporting is also a violation of my privacy per the Privacy Act of 1974. I never gave my written consent and if I unknowingly did I revoked it as stated above. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged debt in fact exists refer to 18 USC 8.
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MA)

I have been making by-weekly payments to my mortgage company, BSI Financial Services , for a while now, maybe like a year, but recently noticed on my monthly statement that they do not apply my first payment amount at all until they receive the second payment. I called them today, XX/XX/2023, and they confirmed that they " hold '' my first by-weekly payment until my second payment is received, which I don't think it's right. I was hoping to save on interest of my loan amount by reducing it making more frequent payments.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I made several attempts to get access to my Transunion Credit report via : annualcreditreport.com however I continue to get a message stating : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 

Please request your report using one of the other options below. 

When I accessed the options below : " Request by Mail To request your free Annual credit report by mail download the request form Download Form opens in a new tab Request by Phone To request your free Annual credit report by phone, please call ( XXXX ) XXXX Call ( XXXX ) XXXX I still dont receive my Transunion Report. Ive called and sent a letter & still have not gained access to my report. When I called I was told it was in the mail. That was 3 months ago. 

Ive attached ID verification which includes my bank statement and a redacted social security card.
Consumer complaint received 2023-06-16
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. (TX)

Sent TRANSUNION 3 letters trying to resolve this incorrect information on my credit report from XXXX XXXX Acct # XXXX on XXXX XXXX XXXX XXXX XXXX XXXX I requested proof of the debt and proof that the information is accurate because it is not accurate and does not have accurate consistent information such as Open date, last activity date etc. TRANSUNION replies with debt is accurate with no proof in addition to the information remains incorrect which inhibits me from receiving credit and when I do credit its extended its at a higher rate. 

I have included a recent 3 bureau Credit report to show proof of inaccuracies and it also illustrate this discrepancies in information between all three Bureaus which none of the 3 bureaus have been able to show proof and especially show information with accurate open dates and last activity dates. I have also included the three letters I have sent them. And also the generic letter they sent me without furnish proof on the accuracies.
Consumer complaint received 2023-04-12
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. (LA)

Attached you find a Validity of Debt Letter that questions just how this account is even being reported to my account not to mention the discrepancies and inaccurate reporting. Who verifed this account? I'll answer no one verified the account as it states on my attached consumer report!! I demand this account XXXX XXXX XXXX  XXXX be removed from my consumer report!
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.