davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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: DISCOVER BANK (CO)

Charged for a hotel room that was canceled within the refund policy of booking site, XX/XX/XXXX. 

XX/XX/XXXX, charged for room. {$200.00} Shortly after, dispute charge. 

XX/XX/XXXX- ruled in my favor. 

XX/XX/XXXX - vendor sends documentation supporting that i owed a refund. Discover says the opposite. 

I clarified the dates and times with discover but they are aiding the hotel vendor in defrauding me.
Consumer complaint received 2023-09-04
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. (UT)

In accordance with the fair credit reporting act XXXX  account of XXXX XXXX XXXXXXXX on my reporting credit 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. 

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.
Consumer complaint received 2022-12-08
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-30
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I applied to a job during the month of XXXX. I got an email from a woman from XXXX about a job opening for a graphic design position. She offered me an interview over XXXX on XX/XX/18. We did have that interview and I was offered the job the next day. So I signed some papers and was told the role Id work on remotely. 

After that I was told that I need to cash a check they sent to buy equipment for the job. The check was for XXXX dollars. This was a dream job so I trusted the person. The website seemed real and XXXX had a XXXX that seemed real. So I cashed the check. However later I was getting weird request like use the money to transfer it to Vendors. It eventually went to buy debit gift cards and stuff like that. After that I ended communications and tried to warn my bank. However I hoped that the bank would just cancel the check and everything would be fine.

Unfortunately Bank Of America saw this activity and canceled my whole account. I didnt do this maliciously. I had a good reputation before this situation.
Consumer complaint received 2023-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

I want to let you know what happened with the XXXX XXXX XXXX in the city of XXXX Florida, in the month of XXXX of the year XXXX a person present herself with some outdated data from my information and this institution provided her with services doctors endorsing me the charges incurred by it this person basically presented herself with my name and an address corresponding to my address of 6 years ago ( address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX ) without social number, without insurance card and without physical identification where the institution could corroborate her identity and she was treated as if it were me, Immediately afterwards, this hospital charged me a debt of XXXX dollars, which were sent to the address reported by this person and when I did not respond because it was not my current address it was passed to a collection company that alleges until the date that I still owe that money. I already made the respective report with that medical institution and the police department of the city of XXXX with the report number XXXX XXXX, this situation has led to a mortgage loan application if it is denied to me, therefore I need your company to make the respective correction and investigation of this situation that occurred in my credit to be able to delete it from my history since I was not the person who opened this fraudulent account with this medical center.
Consumer complaint received 2022-11-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2023-05-14
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: Army and Air Force Exchange Service (VA)

Please see My attached With Prejudice as a XXXX for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Consumer complaint received 2023-08-09
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-25
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. (CA)

I submitted a letter to the 3 Credit Bureau on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX XXXX .... Balance : {$30000.00} XXXX XXXX XXXXXXXX XXXX Balance : -
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MA)

On XX/XX/2023 I received a text message from an unknown number claiming to be my boss, XXXX XXXX. My boss travels a lot and I would not find it uncommon if she had a different number. I was asked to do a favor which involved purchasing XXXX gift cards, and then taking a picture of the gift card and sending it via text to the phone number. The number is XXXX. I first went to the XXXX located in XXXX Massachusetts where I purchased XXXX XXXX gift cards worth {$250.00}. I used my debit card for the purchase. I was asked to send a picture of the card via text and was told that these gift cards were being used for clients. I was told to save the receipts and that I would be reimbursed. I was then asked to purchase XXXX more XXXX gift cards worth {$250.00}. At this time the person on the text told me when they got off the conference call they had great news for me. I was then sent to XXXX to purchase more gift cards. I once again purchased two more XXXX Gift Cards that were worth {$250.00} each. When I went to purchase two more the associate at XXXX proceeded to ask me if I knew who these were going to. I answered that it was my boss that was texting me and that is when she asked if I recognized the number as there have been lots of people getting scammed lately. At this time I realized that could be happening to me. I texted the number back to say that my card was denied. ( which it was not. ) the person on the other line, then asked if I could go to an ATM and get cash. I asked for the person to call me and they stated they could not because they were on a conference call. I then asked for them to text me from the cell phone number that I knew was my boss XXXX XXXX. At this time the person stated they did not have the phone with them. They proceeded to keep asking me if I got more money and that the clients were waiting on me. I blocked the phone number and went to the police station to report the incident. I then called M and T bank to report what happened. My debit card was canceled that night .on Monday XX/XX/2023 my husband dropped off the police report to our local M and T branch in XXXX Massachusetts XXXX We asked for it to be faxed to the investigating team. I called on Tuesday the XXXX XXXX to confirm it had been faxed, which they stated it was. When I checked with the bank on Friday via email, I was told that they denied my dispute and never received the police report. I called the bank to request an appeal on Saturday, XX/XX/XXXX. I also reported the scam to XXXX and gave them the gift card numbers on Monday, XX/XX/2023 but they stated that the gift cards had already been redeemed.
Consumer complaint received 2023-09-30
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. (GA)

Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because XXXX, Experian, and XXXX did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 XXXXXXXX
Consumer complaint received 2023-09-30
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: EQUIFAX, INC. (GA)

Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because XXXX, XXXX, and Equifax did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXXXXXX XXXX Credit Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX ) XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX XXXX XXXXXXXX XXXX  Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Phone : ( XXXX ) XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-09-30
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. (FL)

On XX/XX/11 someone used my information to try and obtain a credit card from XXXX XXXX. I reached out to XXXX and the only information that they provided was someone try to get the card but couldnt verify the information matching my credit report so they were unable to open the account. However, the hard inquiry is still on my report affecting my credit score.
Consumer complaint received 2023-09-30
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. (AR)

I did not received legible documentation and chase has said they communicated to us and our attorney about the fraud, but they havent. Chase XXXX is lying through documents they have provided about communicating to us.
Consumer complaint received 2023-09-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TX)

Tried activating the Prepaid XXXX gift card by phone and was texted a link to finish it online. Went to the online link and was given a phone number to call to finish activation. Called the new number and was texted a link to complete activation. Guess what I got a number to call to finish. It was an endless loupe. This was XXXX in XXXX my son wanted to use it for a present. I tried activating it again and this time after several loupes got a real person. This person was trying to get more information from me to sign me up for a credit card. Since I would not provide this information, I could not activate the gift card. Now in XXXX a year later my wife tried one more time and finally got through to someone who said we need to activate card. We tried the a few minutes before calling them and it did not work. Now that we called and activated card we are told it is active and has a negative balance. According to them in XXXX it was activated and because I wouldn't give them more info ( to send me a credit card ) the prepaid card was set to a XXXX monthly fee. This is a scam it is nearly imposable to activate card and they are harvesting your info for a credit card you can't afford.
Consumer complaint received 2023-11-12
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. (PA)

This is NOT a duplicate report and this not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1.The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3.The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2023-09-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

I paid my entire card off in XX/XX/2023 and the company was supposed to close the account. Old navy did not close the account until XXXX and charged me interest and late fees even though the cars was paid off. I was instructed that since I paid the card off before the statement was done that the entire amount was not accurate and they are not charging late fees and interest on the interest they claimed I never paid but in reality I paid the amount in full and requested to have it closed.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Remitly, Inc. (CA)

I have filed several legitimate disputes about issues with purchases but XXXX has not always properly investigated them or says that they have done so but actually have not. I have asked for information on how they came about these decisions but they have not provided information. I believe XXXX is violating my XXXX XXXX rights to dispute transactions for some reason and this isn in violation of both federal law and state laws for California.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am following up on complaint XXXX ( when I log into the portal, I do not see a " closed complaint '' option and do not want to miss the XX/XX/XXXX deadline to respond. 

I never received the company 's response to my complaint. CFPB said that I would receive a letter, but I received no letter in the mail. I got an email from BoA suggesting there was a message in my portal, but the login I used to apply for the card no longer exists. When I tried to log in to see the letter, I got a message saying, " no account with that information exists. '' ( If it were simply a wrong username or password, I would have gotten a " change password '' screen or something, right? ) I do NOT want to drop this inquiry. Whether deliberately or unintentionally, this is another instance of Bank of America avoiding accountability for their unethical and predatory lending practices by putting up barriers for consumers to advocate for their rights. They open cards without your consent before disclosing all of the information that they're legally required to, and then they make it impossible for you to follow up on the complaint. I would like to hold them accountable for what their predatory business practices have done to my financial prospects. Please refer to complaint XXXX for additional details.