davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, Hope you are doing well. I wish to file a complain against Bank of America credit card. I am really disappointed and sad to say customers are being duped by saying please use promotional offer to lower you interest rate. They offer a promo code saying use it and pay it in fixed time period to benefit your self. Now when I see my account I never got any benefit. In fact they charged me for 3 % transaction fee and standard interest rate than usual. When tried to contact them they are not ready to help me with the issue and claiming some random rule which benefits them to charge me more interest rate. This can't go on as normal individual may not understand how they are being fooled. I wish this to be stopped for everyone and want to get refund for overcharged interest rates. 

I talked with 4 customer services representatives and they mentioned totally different answers. One said I had selected the offer of 1.99 % but because I didn't paid of everything in 6 months they charged me for standard rate from day 1. The other associate said I never enrolled in the offer. I have proof that I received email for the offer and then I went on to select the offer. Now they are not helping me and charging me with standard rate. Please help me with the issue and let me know what needs to be done to further process the claim. They went ahead and questioned me why it took so much time. I mean the moment I realized I reach out to them. This is wrong and need to be corrected ASAP. Why I have pay for their faulty system. How can I check what is being written on their servers behind what I see? They are not providing enough information. Hope to get some help as soon as possible.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-05
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. (FL)

I HAVE A FRAUDULENT ACCOUNT REPORTING ON MY CREDIT REPORT FROM XXXX XXXX XXXX. I DON'T RECOGNIZE THIS COMPANY AND I HAVEN'T DONE NAY BUSINESS WITH THEM.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received a statement from Capital One that was a month old. I had already paid my bill online, but called to find out where it had been for a month. I called the number on the back of my card and got a recording of an exuberant girl 's voice offering me a deal with Capital One ( {$100.00} gift card I had been chosen to get from WalMart ) Not interested, I hit XXXX and got a guy in XXXX who said his name was XXXX XXXX, He had a thick, foreign accent. He told me he could not transfer me to customer service until I listened to his read statement. I told him repeatedly to transfer me on ; I was not interested in a {$100.00} gift card for a a {$1.00} a month charge on my credit card. He just talked over me and began on his statement again. When I asked to speak to his supervisor, he told me he did not have one ; he could do what he wanted. He told me I could just hang up. Finally, I hung up, telling him I was filling an FTC report. I called again, and got someone in America named XXXX. He told me the bills had gone out the first week of XXXX and blamed the post office for my month late bill. He never heard of this WalMart gift card offer and put me through to their fraud alert division. This time I go t some one in XXXX who had a pretty good command of English. He claimed his name was XXXX. He never heard of the WalMart offer and seemed not at all concerned about some hacker trying to harvest credit card numbers and addresses. Is my account safe with Capital One? Who are all of these foreigners trying to get me to give them my information so I can get a {$100.00} gift card to WalMart? Why isn't Capital One concerned? I was on the phone to 3 different numbers from XXXX ; XXXX until XXXX ; XXXX Central Time.
Consumer complaint received 2023-05-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NY)

Transmitted XXXX by wire transfer to be remitted XXXX. 
Transfer not completed. Requested update by several emails. No response to any of the multiple queries. Called, asked to wait for 10 business days. 
Called again. Asked to try again in 1-2 days. 
Unable to trace money. 
Account : XXXX ACH Routing number XXXX Account number XXXX Account type Checking Amount to send XXXX USD Our bank address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wise address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX , XXXX. and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

I reviewed my consumer reports and noticed that i had two late payments on two accounts ( JCMB, GS Bank USA ) that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

XX/XX/2020 I was placed in collections by Paramount Recovery Services for {$920.00}. I do not recognize this amount owed nor the companies claiming this debt. My XXXX XXXX report sates that XXXX XXXX XXXX is the original debtor which hired Paramount to collect the unidentifiable charge. I have never received any notifications via mail, email or phone call. Based on XXXX it appears that many false claims have been made by Paramount Recovery Services. it seems to be a scam.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Around the date of XX/XX/2022 I applied and got approved for a XXXX XXXX back XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused XXXX to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (VA)

I had a chime online bank account. I had an issue with a merchant not refunding my money. I filed a dispute with chime about the merchant and closed my account. After several weeks the dispute was found in my favor and I was told I would receive a refund. The problem is I closed my account so chime bank can't credit my account. I tried a multitude of times to email customer service about my account and never heard back from anyone. I figured chime would just send me a check. I then called chime support two different times and after being on hold for over an hour to speak to a live agent I was able to speakb to a customer service agent with chime bank. I was told it could take up to 3 months to refund my money since my account was closed. When I questioned the agent about the time frame they hung up on me. I just want my money back.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NY)

Hello dear gentlemen and ladies, I wanted to register an account with Wise Bank, so I sent them {$23.00} and a payment order that they accepted without any issues. However, when I called the XXXX XXXX, they told me that they had received my money but rejected it for some unknown reason. The money was not refunded to my bank account either. I demand that they open an account for me at Wise Bank as soon as possible, since they have not given me back my money or pointed out any mistakes on my part. Here is the complaint I wrote to them : case id is # XXXX. 
On XX/XX/XXXX, I made a payment of {$23.00} through my banking account to Wise Bank. However, my funds have not been credited to my account. On XX/XX/year>, I contacted your customer service at XXXX, and I was informed that the money had indeed arrived but was rejected for an unknown reason. 
Since XX/XX/XXXX, I have submitted numerous requests to your support center, only to receive misleading information. Your representatives claimed that my bank did not transfer the funds and advised me to contact my bank directly. This situation has caused significant inconvenience and frustration. 
I kindly request that you promptly investigate the matter, locate my funds, and take appropriate action against those responsible. I have attached the payment order and the responses I received from your Support Center for your reference.

Thank you for your attention to this urgent matter. I look forward to a swift resolution. 
I am also sending you an extract from my email so you can see how long this correspondence with your support center lasted.
Consumer complaint received 2020-12-30
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IN)

I've made several attempts to reach out to XXXX XXXX, there indenture trustee Bank Of New York Mellon, and XXXX XXXX Chief Financial Officer XXXX XXXX XXXX regarding my request for a refund of all securities due to securities fraud. I've discovered evidence indicating that XXXX XXXX has engaged in activities that violated federal securities regulations resulting in substantial financial losses to me. As a result I am requesting a refund of all past present and future debts. The evidence that I've gathered suggests that these activities were carried out intentionally. I am prepared to provide detailed documentation and evidence supporting these allegations upon your request. The Securities Exchange Commission ( SEC ) enforces strict regulations to protect investors from fraudulent activities and ensure the integrity of the financial market. With Bank Of New York Mellon being the indentured trustee your company has a fiduciary duty to act in the best interest of the bond holder and to comply with all relevant securities laws and regulations.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have mailed TransUnion four letters disputing a collection account displaying on my credit report. I have not received any information pertaining to the account and requested TransUnion to verify the account and send me the steps they took to verify the account, the documents used to verify the account and provide me with a copy of my credit report. To date, TransUnion has not supplied me with the requested documentation so that I as a consumer can ensure the account has been properly verified. I mailed four letters along with a copy of my ID between XX/XX/2020 and XX/XX/2020. My last letter was sent certified mail and was delivered on XX/XX/2020. Today counts 196 days since I began the dispute process with TransUnion. I now feel that my rights as a consumer have been violated and TransUnion is ignoring my rights that are supposed to be protected under the FCRA. Despite my four attempts, TransUnion is ignoring my request.
Consumer complaint received 2021-01-05
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. (CA)

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

Fair Collections and Out is attempting to collect XXXX from me from XXXX XXXX XXXX, a place I have never lived. I have disputed this to no avail, asking what method of verification was used to identify my original signature and a signed lease in my name. No written notification or bill was sent to the address in which I live before placing said debt against my credit.
Consumer complaint received 2021-01-05
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. (LA)

I was so stress since Ive sent disputes last XXXX regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.
Consumer complaint received 2022-09-28
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-01-05
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. (FL)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-01-05
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. (FL)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I refinanced my house with this company. Once the process was complete I started getting daily phone calls and certified letters from the mortgage company saying I am late on my payment. Apparently the paperwork I signed was missing a signature line so they were unable to close out my old loan, but somehow managed to open a new one and now have 2 mortgages due on my house. I have been paying the new one, and apparently just need to resign the papers so the loan company can close the old one. I don't think it's even legal to have 2 loans on the same property, but either way, mortgage company and title company keep referring me back to the processor at community loan servicing, who handled the paperwork for my loan. I can not get the lady to respond, she responded once and said she would send someone out to sign new paperwork but nobody ever came and she stopped responding again.