davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute information reported inaccurately on my credit report. According to my latest credit report from Experian, this agency has reported some discrepancies, including my payment history, which I believe violate my rights under 15 U.S. Code 1611 regarding the willful and knowing reporting of false information. 
Upon reviewing my credit report, I noticed the following errors : Payment History : I PAY all my bills on time ( I have bank statements to prove you wrong in court ) Creditor Name : XXXX XXXX  Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 
Creditor Name : XXXX XXXX Nature of Discrepancy : Discharged Account being reported as past due Creditor Name : XXXX Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 

Creditor Name : XXXXXXXX XXXX XXXXXXXX Nature of Discrepancy : This account is unverified. It doesnt belong to me. 

Creditor Name : XXXX XXXX XXXX Nature of Discrepancy : Unverified account. This is not my account. 

Almost everything they have reported about me is a LIE, and this has caused me to lose money. I have proof that I have always paid on time and receipts for the account they are reporting negatively. I have also noticed that they are reporting collecting from 10 years ago.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America falsely advertised a cashback deal and failed to award me cash back for a purchase that should have been eligible. In XX/XX/XXXX, my Bank of America XXXX XXXX XXXX XXXX XXXX advertised 10 % cash back on purchases made at XXXX. I activated/opted into the deal in their app before making an eligible purchase in the amount of {$570.00} at my local XXXX on XX/XX/XXXX. I read the terms and conditions in my Bank of America app ( see accompanying photo ), saw that my purchase would be eligible, and decided to make the purchase at XXXX vs. my regular mechanic based on the deal being offered. After the purchase was made, the deal was not registered in my rewards and I didn't receive 10 % cash back on the purchase. I contacted Bank of America on multiple occasions by phone and via their chat system between XXXX XXXX and XXXX XXXX to try to resolve the issue. I was given multiple different explanations that were inconsistent ( that specific location wasn't eligible, despite that not being mentioned in the terms and conditions and another representative telling me the location was eligible ; they aren't sure what happened but would try to resolve it ; it's because the merchant name on the charge is " XXXX XXXX, '' even though it's the same company as XXXX and I made the purchase at an XXXX location - see attached image ). I was told to reach out to XXXX, and I called them. XXXX from XXXX offered to send me a letter explaining that XXXX XXXX and XXXX are the same company and should be eligible for the deal, but I never received the letter. The last communication I had with Bank of America was on XXXX XXXX, and I was told to wait 14 days to see if the cash back appeared in my account ; as of XX/XX/XXXX it has not. I am filing a complaint because this is an issue that likely impacted anyone who tried to use this deal and made a purchase at an XXXX location that uses XXXX XXXX XXXX  '' as its merchant name in credit card processing ( there is no way for the consumer to know this before making the purchase and no language in the terms and conditions indicating certain XXXX locations aren't eligible ).
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX allowed a fraudulent ACH debit to be made on our checking acct - {$390.00} on XXXX - TD has been ineffective in recovering it or providing information on who submitted it - our XXXX fraud dispute filed on XXXX
Consumer complaint received 2021-03-17
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

HI, Attached is a file I sent to the better business bureau. All information is included in download. IF YOU NEED MORE SEND ME AN EMAIL. 
Also Filed with Attorney General office, they advise to notify you as well. 
My Name : XXXX XXXX. 
XXXX XXXX Thank You, XXXX XXXX
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (FL)

Due to Covid 19 was laid off job and did not receive unemployment. Mortgage Co gave me 3 months defferal and told me it would be placed on the back of the loan. I was to pay only the payments due after the 3 maths. Now they are demanding all payments. I sent them 3 months payments and they returned it
Consumer complaint received 2020-03-13
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)

I receive Report number : XXXX for XX/XX/20 but the problem I saw too many account opened in my name : XXXX  XXXX XXXX Account ( 2 ) and - XXXX XXXX  ( 2 ) XXXX  XXXX XXXX ( 4 ) XXXX/ XXXX XXXX XXXX  ( 2 ) wrong social security year of birth wrong phone number wrong honestly disaster my concern I want to clean my record and fix all issues
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 someone messaged me about buying furniture I had purchased for sale online. I was selling everything for {$500.00}. He sent me a check for {$1300.00} and asked me if I minded paying the movers for him but only when the check cleared with my bank ( Chase ). Once the check cleared and all of the money was in my account, I then payed the movers over XXXX. Everything seemed very legit since the check cleared and i had access to the funds. A week later I get a notification on my bank app that the check was being returned. Apparently " no one, including chase employees, can guarantee to you that a check will not be returned and it is possible that the check will be returned months after you and you've withdrawn them ''. The person helping me at chase went on to tell me that I was " XXXX  '' and proceeded to tell me that this wasn't an emergency. I now know just like everyone else scammed through XXXX that they are not liable. I filed a police report and was assigned an investigator and im sure we all know that will go no where. I have read my rights under the Electronic Funds Transfer Act and also terms and conditions of chase. Chase is compliant with Regulation E of the EFT and i could possibly have a case. Need to investigate and read up on both documents.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AR)

Back on XX/XX/2008, I took a cash advance  on my Shell credit card in the amount of {$1400.00} for car repairs. Wondering why I was still paying on a transaction made over 13 years ago, I called Shell for an explanation. They told me that none of the payments I've made since then ever went towards this cash advance  but instead went for current transactions. That means I've been racking up interest on the XXXXash advance as well as having my available credit affected for over 13 years! I was told that I couldn't designate that part of my payment go towards this cash advance so they'll continue applying interest and the only way to stop it is to pay the full amount ( plus interest of course ) of the cash advance. I wasn't aware of these terms when I made the cash advance and never knew about this policy until I recently called them. It seems to me a very underhanded way for Shell to make more money through interest and am wondering if this is even legal!
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2020 I took my nephew to Bank of America ( XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX ) to cash a check from ( insurance check ) a Bank of America account holder in the amount of {$7400.00}. 1st : he was told he need 2 forms of I'd ( he had his id ). He told the teller he had a birth certificate and his ss card. The teller tells him the 2nd form of id needed had to be a passport, credit card, or debit card. He didnt have none of the 3. 
2nd : I went inside the bank to see what was going on. When I gave the teller the debit card with his name on it and his Id she still refused to cash his check. 
3rd : I spoke with the manager on duty and asked her about cashing the check and she refused as well. 
4th : I ask if he sign the check and I sign the check could they cash it then ( I am an account holder ). The teller said they dont cash 3rd party checks. 
5th : the teller said she scanned his check but it wasn't signed. 
6th : the teller said it was over the limited to cash for a non account holder. 
7th : they even refused to call the insurance company to verify the check.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Consumer complaint received 2022-12-31
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. (OH)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... .Requesting that these accounts be removed. 

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Consumer complaint received 2022-12-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

Good Morning, I have been a victim of identity theft. A XXXX XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because I noticed an insurance collection on my account. I was unaware of this collection and asked them to validate this debt. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this collection agency but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this collection agency is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase committed fraud then claimed they didnt own the house now bought the house for {$500.00} which is well below market value. Their representative told me on the phone when he called from their " Executive Office '' SO WHAT IF CHASE BOUGHT IT FOR {$500.00} THAT IS NOT AGAINST THE LAW. Then they answer the complaint claiming JP MORGAN CHASE DID NOT PURCHASE THE HOME ... ... Please find attached the REFEREE DEED STATING THAT THE PARTY OF THE SECOND PART ( JP MORGAN CHASE ) paid {$500.00} FOR THE RESIDENCE. THIS IS A PERFECT EXAMPLE OF THE CONTINUOUS LIES THAT JP MORGAN CHASE PERPETRATES. THEN THEY CLAIM THEY HAVE ALREADY ANSWERED THE COMPLAINT. THE ONLY ANSWERS THEY HAVE GIVEN ARE INACCURATE FALSE AND COMPLETE FRAUD
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (WA)

XXXX XXXX incorrectly billed me for a homeowners insurance policy. I was unaware this policy was active as I had insurance through a different provider at the time. This policy was cancelled for non-payment in XX/XX/XXXX. The account was then sent to a separate collection agency ( Credit Collection Services ) in XX/XX/XXXX in the amount of {$100.00}. This amount was paid to Credit Collection Services on XX/XX/XXXX as I did not want to risk my credit getting ruined over {$100.00} despite me not agreeing to the actual charge. 

In XX/XX/XXXX I became aware that this account was placed on my credit report as a " paid collection. '' Since then I have spent countless hours attempting to get this removed from my credit, sent multiple supporting documents to both XXXX and Credit Collection Services. Today I received the attached letter from XXXX stating " this bill was sent in error and requested have been made to remove the bill and any ill effects it has caused from your credit report. '' I called Credit Collection Services on XX/XX/XXXX and spoke with XXXX at Credit Collection Services who stated " It is company policy that we do NOT remove any collection accounts from the credit report. '' He further stated that " The best we can do is state the collection account is paid in full. '' I asked him to confirm that he understood the original creditor ( XXXX ) has stated the account was sent to their office in error and he confirmed he understood. He checked with a " supervisor '' and came back on the phone stating the company policy is to NOT remove collection accounts under any circumstances.
Consumer complaint received 2022-12-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Automated Collection Services, Inc. (GA)

Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by AUTOMATED COLLECTION SVC. on behalf of XXXX XXXX and XXXX XXXX XXXX account number XXXX. I need to have this debt deleted from my credit reports.
Consumer complaint received 2022-12-31
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. (PA)

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 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 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have been trying to get copies of all checks written from XXXX since XX/XX/XXXX with this bank. Have they lost them? Why are they hiding the fact they lost them? I have gotten every item except what I have asked for. I was told I would be sent the information via email on XX/XX/XXXX from XXXX XXXX in XXXX XXXX. I have left him various messages and no response from him or the bank. I just got 5 large envelopes with statements from various accounts from various dates in no such order and no type of response from the bank. Where are copies of my checks from XXXX for account XXXX! I have now asked several times and filed several complaints with several regulators why is no-one holding BoA accountable for the files they lost. They are not XXXX years old and I should have access to them.
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

Date : XX/XX/2020. XXXX XXXX fake account opened by " XXXX XXXX  '' sold a fake dog collar for {$380.00} paid through paypal. When brought to XXXX 's attention, they refuse to look into the fraudulent activity. They also refuse to honor the buyer protection policy. 

Date : XX/XX/XXXX PayPal was notified about the fraudulent transaction and refused to look into the claim. PayPal drafted the {$380.00} out of the XXXX XXXX  account. XXXX XXXX put a stop payment on the transaction. PayPal then on XX/XX/XXXX drafted the {$380.00} out of my XXXX card even though they were notified this was a fraudulent transaction. This transaction should never have gotten that far once a fraud claim was made. PayPal is  also not honoring their buyer protection policy. 

XXXX and PayPal refused to honor their buyer protection policies and refused to look into Fraudulent activity.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$290.00}
Consumer complaint received 2022-12-31
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. (CA)

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.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 I made a CERTIFIED check at Chase in the amount of {$13000.00} made payable to XXXX exchange llc to payoff a vehicle. I also use XXXX overnight to mail the check out tracking # XXXX. After a week I call XXXX XXXX XXXX and they stated they never got a check and that is when I notice it is check is gone and at once we go to Chase and file a claim # XXXX. Long story short, Chase told us that someone make a fake certified check and change the payable person to XXXX XXXX XXXX and cash the check in XXXX XXXX XXXX. Also chase make me file a police report as well ( see attach )