davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Interstate Credit Control (MN)

On XX/XX/2017, I moved out of my apartment ( @ XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX owned and operated by XXXX XXXX ) after giving my 60 day notice to move out. Along with the original " Move-In/ Move-Out Inspection Form, '' my caretaker of my building went though a walk-through of my apartment. He, XXXX XXXX, signed the Move-Out comments section stating " All good in apartment/ normal wear & tear of carpet with NO issues found. 
I was then told by him, and XXXX ( who works in the office dept. for Innovative Properties ) that I would receive my {$400.00} Damage Deposit within 30 days to my new address I left them. 
I NEVER received my Damage Deposit Refund! Instead, I got a letter shortly thereafter dated XX/XX/2017 ) from XXXX XXXX saying I owe {$830.00}. Said charges stated " We are not refunding your deposit from your apartment due to : Rent, late fees, and damages far exceed your original " security Deposit and accured interest. '' Then it shows a list of {$400.00} Orig. security deposit, trivial charges including charging me a late charge on a full months rent with is not correct, AND Less cost to replace carpet ( damage to carpet beyond normal wear and tear ; pro-rated based on life of carpet ). If the amount is not received in our office BEFORE XX/XX/2017 we will forward your debt to " Negotium '' for collections. This WILL affect your credit score and rental history. 
They did turn it over to XXXX, who when once notified me, I replied back with a written APPEAL LETTER. I stated why I didn't owe any money, that I had written & verbal and 2 recorded telephone conversations as proof. 
They " XXXX '' never responded to me again. This is, and has been, on and affecting my credit ever since. I am owed my money back w/ interest, PLUS " XXXX '' actions ( and failure to respond ) has/is affecting my credit and EVERYTHING in my life for the past 2 years! 
I NEED this resolved and actions taken to remove this charge from my credit report ( all 3 ) immediately! 
I have more supporting evidence that I am unable to attach to this complaint at this time. I can and will provide copies of such if needed in another attached form as well as I and can play and provide 2 verbal conversations as stated herein. 

I
Consumer complaint received 2022-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was granted forbearance for a loan at the early days of Covid. The bank suggested that the amount owed during the Forbearance period would be placed at the end of the loan. Instead, at the end of that period Bank Of America insisted on the full amount owed during the forbearance period. I could not pay it in full and contacted the bank. I was instructed to start paying the normal monthly payment and I did to this date. The bank sent me a loan modification form and I filled it out but they wanted more info and I dropped the ball at that time. I have since paid the full amount owed during the forbearance period {$9800.00} but now see on my credit report that they reported me late for 3 months. I paid {$900.00} every month, on time. I had great credit. By the way, I had two other mortgages that placed the forbearance amount at the end of the loan. What's up with BOA?
Consumer complaint received 2023-10-17
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TX)

Hello. I have an Avant XXXX that was completely paid off. From the dates of XXXX, {$630.00} was charged to my Avant XXXX to XXXX without my consent. These are all fraudulent charges. There are several issues I have with this. 
1. ) Why was I not alerted to suspicious activity? I only found out when my statement arrived in the mail.

2. ) I immediately called Avant XXXX when I received the statement to shut my old card down and dispute charges. I was told that day that it would take 14-21 days before a representative could call me back to discuss charges. Then, it would take 1-3 months after my dispute to receive resolution. 
3. ) I was also told by the company that I needed to pay the minimum balance until this dispute was resolved, or Avant would report my card as 30 days overdue.
Consumer complaint received 2018-09-29
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. (TN)

On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.
Consumer complaint received 2024-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (VI)

I've contacted National Recovery Agency multiple times since XX/XX/year> in regards to a medical bill that's being wrongfully reported on my credit report from XXXX XXXX XXXX XXXX in XXXX, XXXX. They'e reporting an amount of {$570.00} which is false. Along with multiple phone calls, I also sent an email with a bill from the hospital reflecting a XXXX balance ; they still refuse to remove this collection account from my credit report. It's over a year since I've made contact with this company and there has been no resolution.
Consumer complaint received 2022-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/XXXX : I placed an online order for supplements with XXXX XXXX XXXX XXXX XXXX for {$130.00}, using my CapitalOne Quicksilver Card. 

XX/XX/XXXX : I received an incomplete order, with two items missing and marked " backorder '' on the invoice, for {$33.00}. I corresponded with XXXX twice by email asking them to cancel these two items for a refund, and never got a response or a refund. 

Two of the items were defective - a XXXX supplement with a two-month expiration date, and XXXX rancid-smelling tubs of body cream. I emailed the vendor about these, supplied photos of all requested expiration and other product markings, and never received a reply or replacement. Twice I asked by email if they wanted them back ( at their expense since they sent me defective merchandise ), also receiving no reply. The total amount for these defective items is {$42.00}. 

I opened a dispute with Capital One in late XXXX, and they temporarily reversed the entire {$130.00}. 

XX/XX/XXXX : CapitalOne shortly forwarded me a package of paper copies of the vendor 's documentation and reply, stating that I am due a refund of {$33.00}. Capital One has never refunded this amount. 

CapitalOne 's cover letter states that : " ... the merchant provided the following information to support the transaction - confirmation showing no return per policy was received. '' I called again and was again given a temporary credit of {$100.00} ( why this lesser amount I have no idea ). Back and forth phone calls from me, and numerous letters from them asking for more and more information. 

Each of the numerous phone calls recounting the facts was clearly not enough for them. The supervisor I spoke with on XX/XX/XXXX claimed that the dispute was incorrectly opened in the first place (!!! ) I have spent hours on the phone with many representatives, supervisors, and managers, recounting AGAIN the facts of the case, as though for the first time. 

On XX/XX/XXXX I wrote up a detailed XXXX narrative with many supporting screen captures, in response to their latest request for information. 

This was not enough for them, they have ultimately denied my claim on XX/XX/XXXX, due to my failure to provide : " A second opinion on company letterhead from another merchant int he same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. '' They are putting the onus on XXXX to find an online supplement vendor to donate their time, which is XXXX of the more preposterous requirements I have ever run across. 



Ultimately
Consumer complaint received 2022-06-21
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. (FL)

In accordance with the Fair Credit Reporting Act 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
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In Accordance with the fair credit reporting act XXXX Accounts # Creditor Names 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.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

XX/XX/XXXX XXXX XXXX unauthorized transaction {$8.00} XX/XX/XXXX XXXX -XXXX  XX/XX/XXXX unauthorized transaction {$66.00} I have been with chime for 2 years. I am so sick of telling this story but I am filing wherever I can because this bank is treating me like my business is worthless. 
I keep my life savings at this bank and it was fine until last saturday someone stole my debit card and used it at XXXX gas stations in another city. I immediately recieved a notification and called chime. I wanted to stop the pending transaction obviously because I didn't authorize it and I cancelled my card. Chime told me they had to let my payment post before they could issue a credit. I should have seen this as the scam that it was and asked for a supervisor immediately but I was trying to do what I thought I should do. Now here we are on Monday I called I filed a very detailed dispute and they refused to refund the money from these illegal charges even after me reporting them. So basically they aided in the theft of my money I am guessing to protect the merchant instead of helping me as a consumer that banks with them. 

I have asked them several times in several ways to give me my money back but they wont help me. I am a mother of XXXX boys I go to school and work full time and my rent increased I need that money back I have never reported anything before I am not being dishonest but they don't care. I really think this bank is a scam. I tried to dispute the charges before they posted and it wouldn't let me then I called and asked for a XXXX and they sent me to someone in another country with kids screaming in the background who told me that she couldn't re-open my dispute. Then we I emailed support they basically told me I have to find these random XX/XX/XXXX stores and beg the merchant to return my funds... I feel like this isn't even legal and I feel like im being robbed by my own bank. I went ahead and created another account with XXXX hoping that I can invest in a better institution but I know this situation is some kind of a scam and I am not going to stop reporting what happened to me. I just want my money back for the transactions I didn't initiate. If that had happened I wouldn't even be considering another bank. I just think I have been scammed by this bank. Please help me.
Consumer complaint received 2022-05-31
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. (GA)

In accordance with the Fair Credit Reporting Act my consumer rights have been violated.

The companies are violating my consumer right to privacy Pursuant

to 15 U.S.C 1681 section 602 A. States I have the right to privacy. The companies are violating my consumer right Pursuant to 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. Pursuant to 18 USC 8, I owe no debt. The following accounts are violating my consumer rights. Please immediately remove the accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CT)

My son, XXXX XXXX XXXX, received notice that American Express sent him to XXXX XXXX XXXX XXXX to collect {$900.00}. This was his former employer, XXXX 's American Express XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and American Express says they can't access the info because it went to XXXX and XXXX hangs up on you siting an " error '' while on hold. Please help.
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2019-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC (TN)

My husband and I are being harassed by this company by phone calls to our phone, our jobs and certified mail. The loan is being handled by a debt settlement company. We are being told 2-3 times a  week that someone from this company is calling. My personnel manager stated they have also threatened to garnishment my check. I understand that they can contact us through phone calls and letters but not calling my job. I am unable to receive personal phone calls at my job.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX State : Florida Zip Code : XXXX Country : USA What happened I was introduced to XXXX XXXX XXXX from my text mesages on phone. She shared her XXXX information and told me about XXXX through coin base wallet defi apps. I deposit small amount into successfull-vip mining pool and saw returns for 1 month. I then deposit {$6500.00} through wire transfer from my bank which is called XXXX XXXX XXXX XXXX. My funds were stolen from my wallet and neither COINBASE OR XXXX XXXX XXXX XXXX are not doing anything to resolve issue. Please call me XXXX : XXXX, XXXX at XXXX XXXX XXXX if i can assist you more. XXXX also my email
Consumer complaint received 2022-06-21
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-09-29
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: AMERICAN EXPRESS COMPANY (CA)

I was very happy to apply American Express XXXX XXXX card because I have been a XXXX Diamond member for years and I think I can fully utilize the benefit. I applied this card on the end of XXXX and tried to get the welcome bonus at the very beginning. However, I did have two product return because I was not satisfied with the product I purchased and it was also applied with the merchant 's terms and conditions without using any Amex benefit. 

Nevertheless, I got an email on XX/XX/XXXX that was one month by the deadline of getting my welcome bonus. The email shown that I violated or abused this reward program and I may forfeit some or all points. I made a call to inquire Amex customer agent and she said that she just can't see my bonus code which means that someone from reward program department removed it. 

I think that is quite unfair. I can accept that Amex forfeited some or all my points if I failed to meet the standard of spending {$4000.00} by XXXX. However, a loyal cardholder with nine-year membership who returned his products twice should not be treated that way. If the Amex terms and conditions show that product return is or may not be allowed during the welcome bonus period, that would be okay but they are not.
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Hi, on XX/XX/17 I went to my bank JP Morgan Chase to withdraw cash, after I insert my debit card and enter my pin I was asked to provide ID, well I handed it to the teller, just after that she called her manager and they started asking me too many questions like my SSN where I live etc..I asked to get my ID back and they refused saying that I look suspicious to them, well I started getting nervous because they were speaking too loud that all customers looking at me as a Scammer ... after more than 10 years I was treated like a Thief..i never experience this kind of behavior in my entire life and hoping that your Involvement with make it the last for this Bank. Thank you for your collaboration. Sincerely. XXXX
Consumer complaint received 2015-09-13
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (CA)

I had ordered an item online and the vendor did not deliver the merchandise. I contacted my credit card issuer and while initially, they credited back my account, two months later, they re-instated the charge, without checking with me. The vendor had never delivered any merchandise and appears to have gone out of business. I provided a written statement, email exchange and screen shot from vendor 's website showing that the order was still " pending '' 2 months later and I had advised Vendor to cancel my order 2 months earlier. Credit card issuer states that they will " look to re-open the case '', but have taken no action and received no communications in over a month.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 


Account XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-05-31
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today XXXX reported me 30 days late. This is not fair credit reporting to a good paying customer.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today Hyundai reported me 30 days late. This is not fair credit reporting to a good paying customer.