davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

I XXXX XXXX XXXX, online disputed under XXXX website to Amsher Collection Services XXXX for 4 months debt balance in the amount of {$870.00}. Because XXXX XXXX closed my account due to nonpayment on my end that I chosed to inform XXXX to close my account because I saw fit their services was too expensive for me to afford on my income size and I do not have the sufficient funds to make payments just for the reasons of my unemployed low income lifestyle accumulating less than {$1000.00} lower class salary a year under social security. So XXXX last year back in XX/XX/XXXX after XXXX kept increased my bill XX/XX/XXXX more than original amount of {$130.00} for 9 months straight by {$150.00} plus dollars without my consent with XXXX XXXX contract related biased term & conditions technical reasons why to closed the account my personal information without my knowledge set the {$870.00} under collections unfairly added ran under my credit sometime in XX/XX/XXXX for the credit bureaus to negatively impact my credit scores from XXXX to a lower fair average credit score of XXXX XXXX, XXXX XXXX & poor credit score XXXX XXXX affecting my chance of creating a positive credit score history with no open credit card account ( s ). I only used debit cards for savings account and it is necessary for myself that truthfully honest lengthy reasonable logically informal serious explained that Amsher Collection Services XXXX is still have been unfairly charging me {$870.00} for a closed account that no longer have services to and or using for the time being that already received cellular phone service under XXXX XXXX XXXX XXXX XXXX XXXX under my Supplemental Social Security Income Service I have been receiving since XXXX at age of XXXX XXXX XXXX when I used to live with my family over 20 years ago to present to this very day according to my negativity affected credit scores by Amsher Collection Services XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Dispute for XXXX and XXXX took month and a half with no changes to file, no information was used that they received, and they did not update files to reflect correct amount. They just say are " experts '' have verified. They do not assist at all with inputting correct information
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX-discharged Date Filed : XX/XX/XXXX Case # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (MO)

They text me about every week wanting me to contact them about " a matter for XXXX  ''. Whatever that is. They always use a different phone number so I can not successfully block their calls. They want me to call but I'm inclined not to do that as it is clearly a scam. I don't owe anyone any money and have a credit rating of XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXXXXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXXXXXX was not able to prove I was a XXXX XXXX because I was not a XXXX XXXX This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both Experian and XXXX are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.
Consumer complaint received 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STOCKTON MORTGAGE (FL)

I had listed my home for sale in XXXX FL. It was under contract early XXXX by XXXX and XXXX XXXX. They had a prequal letter from Stockton Mortgage with Loan Originator XXXX XXXX XXXX XXXX. There was no contingencies in the contract. The buyers were also selling their house. The people buying their house backed out at the last minute due to finances. They ask me for an extension for 60 days until they sold. I said no and we were going to close. First they said they did not want to make two mortgages and then they said they could not qualify for the loan if they had their house bc they needed the money from their house to buy mine. My realtor spoke with their loan officer and she said that they could not qualify for the loan with the other loan. I spoke with the loan officer a few days later and she told me the same thing. But i questioned her because they were closing on my house a day before theirs and they would of had to have cash available to close. I ask the loan officer if she verified availability of funds, which she would of had too bc my house was closing first. she said that she looked at the equity of the buyers house they were selling to qualify them, I think she is be deceptive and misleading because they would of had to have the money to close. i believe they were trying to force me to extend, and now it has cost me thousands of dollars, due to deceptive actions by the loan officer,
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/2023, I signed onto Chase website. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX  Screen Shot for online access ) entitled Accept Disclosures and Agreement. I did NOT accept the agreements. I decide to telephone Chases Customer Service. 
On XX/XX/2023 I telephoned Chase Customer Service at XXXX. I spoke with two agents, XXXX and XXXX. XXXX stated that he was an Account Supervisor. I had a lengthy conversation with XXXX regarding how one could opt out of arbitration without sending an opt out letter through the U.S. Post Office. XXXX, an Account Supervisor, stated that I could send the opt out letter through Chase Secure Message Service. 
I completed another opt out of arbitration letter dated XX/XX/2023 ( see Scanned Graces 2nd Arbitration Letter ). I sent in the opt out letter through Chases Secure Message Service as directed by XXXX. I received two e-mails from Chase regarding the my opt out letter ( see Graces Chase E-mails XX/XX/2023 and Graces Chase E-mails XX/XX/2023 ). So, in spite of receiving my opt out of arbitration letter, Chase is refusing to accept my written response even though Chase initiated the requirement to accept their disclosures and agreements electronically and so directed by XXXX, the Account Supervisor. Chase will accept facsimile and secure message communications regarding accounts but WILL NOT accept an account holders request to opt out of arbitration. There is ONLY one reason why a business forces individuals to opt out of arbitration the business is hoping that individuals will tire of the effort to do so. Thus, the business will avoid possible higher financial penalties to illegal actions against individuals caused or perpetrated by the business. Chase has had previous class action suits against it. 
On XX/XX/2023 I mailed my second opt out of arbitration letter to Chase. 
I recommend that Chase be required to accept the opt out of arbitration in the same manner by which the company/business informed the individual. Thus, Chase MUST give the account holder an electronic option for opting out of arbitration similar to the online options that it gives individuals to receive or not receive their statements or notices via U.S. mail or electronically. 
Please respond to my complaints.
Consumer complaint received 2022-12-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Name Address : XXXX XXXX XXXX  XXXX, NY XXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.
Consumer complaint received 2023-04-17
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. (NJ)

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2022-12-22
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I answered the previous questions as close as possible to get to this page. 

On XX/XX/2023, Capital One ran a Hard Inquiry on my credit at all three credit bureaus. I did not make this request for any credit or a credit card from Capital One. I called Capital One and was eventually referred Capital One Canada as Capital One USA says that is where the Inquiry had come from. Capital One Canada said they had no record of a Inquiry being made.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

{$490.00} was taken out of my account on XXXX I didn't notice until XXXX which I filed a claim to chime support they said that would look into and they investigation would take 45 days my claim was denied this is my 7th rebuttal chime investigation team said I would I have documentation on XXXX now they saying I would receive it by XX/XX/2023 now they saying I would receive a decision by XX/XX/XXXX I have all the emails stating they would handle this matter but miserably failed to time after time nothing getting resolved
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/2021 XXXX- XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 This inquiries do not belong to me.
Consumer complaint received 2022-12-22
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. (NC)

This is my 8TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/year> I received a check from a lawsuit and XXXX XXXX I gave him my check for XXXX he ran it the the device and had me sign the screen to acknowledge the amount was correct and then told me he couldnt cash the check because of the policy of the bank I ask him to show me the policy because I never heard of that before and I also told XXXX XXXXa that Im a XXXX XXXX XXXX and he went on XXXX and couldnt find it.He stated that he cant cash a check thats over XXXX I was a little confused and upset really felt embarrassed in front of my peers that was inside the bank please help me with this serious matter thank you Complaint to CFPB Regarding Bank of America 's Discriminatory Check Cashing Policy I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the discriminatory and disappointing treatment I recently received from Bank of America. On XX/XX/year> I visited the Bank of America branch located at XXXX XXXX XXXX XXXX pa XXXX to cash a check. I was informed by XXXX XXXX that Bank of America does not cash checks above {$3900.00}. I would like to bring to your attention that this is a false statement made by XXXX XXXX, as there is no such policy mentioned on the Bank of America website or in any official documents. I strongly believe that I was discriminated against based on this arbitrary policy, and I am deeply disappointed by the lack of professionalism and customer service exhibited by Bank of America. I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that Bank of America rectifies its discriminatory practices and provides fair and equal treatment to all customers. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MA)

Hi, I want to do a 2nd complain, because after 1st one noting happened ... they didn't refund my money ( {$400.00} ), they just sent me an email and tell me to put my bank account into their application, I did that and I sent them back an email to let them know that, like they say... until know nothing happened .... 
After 2 weeks and so, I sent them an email and tell them, what happened with my refund, they never answer to me! 
Thanks.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I submitted a fraud complaint with US Bank Reliacard Services who is the service/card provider for unemployment benefits in Texas. This complaint was submitted along with supporting documents and I received a letter on XX/XX/XXXX from the Prepaid Dispute Resolution department stating they got my dispute and documents and have started their investigation, but the merchant has 120 days to respond. I waited until XX/XX/XXXX to call giving them an extra month. I called at XXXX and sat on hold roughly 70 min. To be told someone would be notified and call back Monday. Called back Monday, on hold 53 min, was told it was being escalated and supervisor assured me would be resolved. This same event occurred XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on. Now we're in XXXX, over a year later, XX/XX/XXXX to be exact. On the phone with 2 employees 87 minutes. Found out it was in my favor back in XX/XX/XXXX, but no one knows where the money is, so back to square XXXX. I was told it was being escalated and someone would contact me w/in XXXX hours and no one did, so I reached back out XX/XX/XXXX, on hold XXXX hours and XXXX minutes!, XX/XX/XXXX, and the last time was XX/XX/XXXX on which date the supervisor said that honestly, nothing ever gets resolved, so this is my best bet. It's {$450.00}. That's a lot to me. Nothing was ever done and no one cared. I remained calm and respectful and was literally on hold for what? It's in my favor, nothing was put back on my card- we looked at all of the statements many times. I've read other 's complaints pretty similar. Please help me get my money back. Thank you for your time and please let me know what I can offer in the ways of help to get this resolved! ( No one could or would provide me employee names or badge numbers? )
Consumer complaint received 2022-05-18
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)

FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type
Consumer complaint received 2022-12-22
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)

The unverified account listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX {$95.00}.