davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
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. (TX)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The XXXX.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B :  XX/XX/1970
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (GA)

All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Quality Recovery Services, Inc. (GA)

All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

case # XXXX / Bayview loan forclosed without hearing/sold my property without hearing and today changed the locks, I can not get anything to include my vehicles they did it WITHOUT HEARING thanks to corrupt layers and judges XXXX county XXXX XXXX of a way to treat a XXXX vet but then again you do n't give a XXXXCASE # XXXX
Consumer complaint received 2022-04-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I, XXXX XXXX entered a card holder agreement with BANK OF AMERICA on XX/XX/XXXX. BANK OF AMERICA is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a letter on XX/XX/XXXX via certified mail demanding they update the alleged late payments pursuant to 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they have completed their investigation and have confirmed the information is accurate and they didnt identify any payment record errors related to the account. I sent another letter via certified mail on XX/XX/XXXX demanding a description of the procedure used to determine the accuracy and completeness of the alleged late payments and any items that are found to be inaccurate or incomplete or can not be verified must be deleted from the file of the consumer or modified as appropriate based on the results of the reinvestigation pursuant to 15 USC 1681i ( 5 ) ( a ) ( i ). BANK OF AMERICA responded on XX/XX/XXXX stating that they reviewed their records and confirmed the account information they reported to the consumer reporting agencies is correct and the account details they reported are accurate and they wont be adjusting their reporting like I requested and consider my dispute resolved.
Consumer complaint received 2018-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I applied for an installment loan of {$2600.00} in XX/XX/XXXX to assist with moving expenses. I had used this company several years ago and while going through a divorce and ch XXXX BK. I received an approval email on XX/XX/XXXX that stated the loan would fun on XX/XX/XXXX. As I read the email, I noticed the checking account and debit card information listed for me was incorrect. The email showed an account with XXXX XXXX bank that I closed in XXXX. I immediately logged into my Cashnet account to update my banking information but their site does not allow customers to update their banking information online, you have to contact customer service. I followed the instructions and emailed a voided check to customer service. On XX/XX/XXXX I received an email confirmation that my loan funded into the XXXX XXXX account. I called customer service and the associate told me it usually takes 2-3 business days for the funds to bounce back and then they would update my banking information and resend. I continued to call and email customer service and they continued to say the funds were not returned by XXXX XXXX. I contacted XXXX XXXX Fraud and Collections, They confirmed that I have not been a customer in over 5 years and that my BK filing is on record and that it prohibits them from holding any funds for a past due debt if one existed. I received nitification that my XXXX payment was returned unpaid and that they would start collections process if i dont pay. Again, I never received the funds!! This is significant and demonstrates how their system is not reliable and dysfunctional. I have received thank you emails confirming receipt of my monthly installment payments since XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT AND THE XXXX XXXX ACCOUNT DOES NOT EXIST! So where is the payment coming from? They have no idea because its not coming from me or any account used by me. This is prime for fraud and other financial crimes. Their system is used to facilitate ACH payments from checking accounts and the information is incorrect. I will attach a very rough document showing some of the email correspondence. I copied them as is and placed them on a word doc for review.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I made a wrong balance transfer to Bank of America credit card and to correct that they issued a cashier check. But that check was never received by me or the institution ( XXXX XXXX ) which did the balance transfer in first place. 
Now bank of America is quoting ( Funds have been withdrawn ). I havent received the funds and neither has my institution ( First tech ). 
Bank of America is not filing a claims case / is not helping me locate the funds and issue a new cheque. 

They are not sharing the image of cheque/ account number where money was sent / address where it was sent. 
I have called them 20 times and every time they end up disconnecting without any resolution. 

My funds are stuck/ lost for no lost of mine.
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter asking all Credit Reporting Agencies to send method of verification of debt which all fail to do so. Which they had 15 days to respond From the second dispute receipt of the letter. I have not received anything from no credit reporting agency. Please see attached documents that were submitted to all credit reporting agencies.
Consumer complaint received 2022-04-10
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. (FL)

I sent in a dispute on XX/XX/XXXX and XX/XX/XXXX and I received a correspondence back from XXXX that my information was not acceptable. Well, I sent in a copy of my drivers license, social security card and my cable bill which is proof of residence. This is a stall tactic to buy more time and this is past the 45 days which was from my first dispute.
Consumer complaint received 2021-06-12
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. (NY)

My consumer rights were violated under 15 USC 1681b ( a ) ( 2 ). I filed a complaint to have these accounts removed with Transunion and they didnt respond
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (NY)

Bank : TD Credit card : TD CASH, VISA My interest Rate is at 25.24 % and I've been paying my bill on time for the past 6 months. I called in and was unable to get it lowered. Judging by my credit cart payments my creditworthiness should not fit into that third bracket of 25.24 % When I called customer support at XXXX XXXX XXXX XXXX. I was told that rate is based off of my creditworthiness, but my creditworthiness is good based off of my payments. They never told me what the Prime Rates for the card is so I was left with little help.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (PA)

WORLD REMIT usually transfer my money to XXXX in hours, but my last Transfer # XXXX ( case # XXXX ) from XXXX XXXX for {$400.00} is not paid to recipient until today XXXX XXXX. 
Else, they not answer my cuestion : where is this money or when will pay it? 
I called 5 times by fone but diferent people every time, said, sorry they will pay in 2 days ... and nothing happend.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (OH)

LVNV Funding apparently took over some supposed debt. They have hired XXXX XXXX XXXX to pursue it. After repeated attempts OVER THREE YEARS to get them to prove to me taht I owe this debt, they have utterly failed to do so. i have even sent such letters to the courts, and the judge himself told me to handle this directly with them. They continue to contact me.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 XXXXXXXX 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 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 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 2017-08-29
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 (AL)

I have filled out a complaint with American Express for a charge made that I never received. I submitted the dispute on XX/XX/XXXX and the customer service agent from Amex said that contacted the merchant the day I made the dispute. It has been over 20 days and absolutley no progress has been made. I have submitted the documents they asked for and everything. Amex says on their own website that the merchant has 20 days to respond. It has been over 24 days and STILL they have not issued a chargeback. 

I have complained to Amex customer service, managers on the phone and NONE of them have even looked at anything I sent. The last person I spoke to said she was just now seeing the documents and the dispute itself. Then when I brought up the issue of it being over 20 days with no response from the merchant ... .she claimed they just contacted the merchant a day earlier ... .THREE WEEKS AFTER I MADE THE DISPUTE. This is contrary to what every other customer service agent stated. 

I also received a letter from Amex that said I had until XX/XX/XXXX to write a letter explaining my dispute. The letter was datedXX/XX/XXXX but only arrived at my house onXX/XX/XXXX ... .three weeks after it was supposedley mailed. I see no reason to have to mail anything when I have been on the phone for the better part of two weeks explaining and repeating myself to whoever I speak to from Amex. I have provided the documentation, XXXX is not responding to anyone, and I have to have close to {$10000.00} sitting idle for two months? This is extremely unprofessional.
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TN)

I have been paying on my debt every 2 weeks of XXXX $ or XXXX $ month until paid in full. The debt is XXXX $ total. I spoke to them last week if they showed receiving my payments and they confirmed. They are very rude, hung up on me and call 3-4 times EVERY DAY.
Consumer complaint received 2023-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 I booked 4 rooms with VIP benefits for 3 nights at a XXXX all inclusive resort ( 8 passengers ) and paid {$3300.00} upfront. VIP benefits were key in booking the hotel, as it makes all the difference at that location. 

Once in the hotel, we were prevented from using half of the VIP facilities ( including a private pool ), as the hotel claimed it was not covered in my reservation ( very humiliating ). The reservation was made directly at the hotel website, where it did not mention at all the existence of two tiers of VIP services. There is only one, called LEVEL. 

I made the complaint while at the hotel, to no success. Upon arriving in USA, I made a dispute of part of the total charge, with no success either. 

Although the case is a no-brainer, Bank of America sided with the merchant only because I did stay at the resort. The bank did not take any consideration at all about not receiving services paid for and did not giving me any opportunity to further prove my case. It actually made de decision and just informed me.

I escalated with supervisors at the Bank, who not only treated me with disrespect, but cared less about my case. In fact, one of the supervisors told me " you are free to move your business to another bank '' ( although I am a XXXX customer, have lots of money at the bank, use their credit cards a lot and almost never make a dispute ). 

Banks are supposed to protect us from misleading purchases. In fact, this is part of the contract with credit cards.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

In XXXX, I received two checks that were both issued to me as a scamXXXX XXXX XXXX XXXX XXXX XXXX and I accepted the first check ( ~ {$1200.00} ) for my services and when it bounced, I was given another check ( {$980.00} ) to cover the cost and it never went though. My accounts were both closed. Then my IRS check for {$6900.00} came through and Citibank deducted {$1200.00} and {$980.00} from that check and sent me the difference. The problem is that I never spent the {$980.00} because it never went through. I have been trying to get my money for this second check for 2 months. This is money from my own tax refund that belongs to me and Citibank will not give me an answer as to when I will get it or why it is taking so long. I was told up to 45 days, and it has exceeded that time frame.
Consumer complaint received 2022-04-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-08-29
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. (CA)

XXXX XXXX XXXX has listed debt as deliquent and charged off. The same debt appears on my credit report under another company, XXXX XXXX. These duplicative entries on my credit report are illegal and should be removed. The debt has also been re-aged as another date than XXXX XXXX XXXX. See attached screenshots my credit report from Experian.
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Biehl & Biehl, Inc (WA)

I'm the controller at XXXX XXXX XXXX. My employee was contacted on XX/XX/24 regarding a debt. He was given an invoice number and original amount etc. I called XXXX at Biehl & Biehl- and told him, we are happy to pay it but need a copy of the invoice to ensure we were the correct company billed ( as there are mistakes made ) and proof of what was shipped, to whom and when. These are all standard things noted on the invoice. We do current business with UPS every day here and have kept our account current so finding this out made no sense. He stated on XX/XX/24 that he would get a copy of the invoice. I told him once I validated the charges I'd send him a check or let him know who the bill actually belongs to. 

I heard nothing until today. XXXX called me back and lied - by saying he only spoke to my XXXX  person and never heard back from anyone - which indicates an unwillingness to pay. I corrected him because I spoke to him. He quickly remembered and when I told him - that he promised to get me a copy of the invoice and since he has not produced that, he hasn't completed his part of the agreement. He got upset and started yelling at me. At which point I said to him - what would you do if you were contacted by someone out of the blue saying you owed them money but they couldn't tell you what it was for. 

He proceeded to tell me it wasn't his fault and that sometimes the companies make it hard for them to get the information. I told him - that's his problem not mine. If I'm doing business with UPS DAILY - then HOW could they say they were unable to collect from us? 

He then said he'd request it again - and then " we'll call and have this conversation again in 2 months ''. And then promptly hung up. 

How on earth can anyone expect to be paid for something when they can't show why they should be paid and for what?
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TN)

I filed a claim for my dryer that broke as I am seeking the additional 1 year warranty coverage my credit card provides. I filed the claim on XX/XX/year>. I included a receipt, credit card statement, and video of the dryer showing it was broken. I was then contacted and informed I needed a different receipt and a repair invoice. I obtained a different receipt and contacted XXXX XXXX XXXX  who acts as an agent of Chase to request they send out a representative to inspect the dryer as I don't think it's fair to require me to pay out of pocket for an inspection. They accepted the receipt. They refused to send someone out in person and recommended I use XXXX XXXX repair for the inspection. I contacted XXXX and scheduled an inspection in which I paid {$110.00}. I submitted the receipt and diagnosis report and was informed the report needed the dryers model and serial number. I had already sent in a video of the dryer with that information, but resubmitted a new report that included that too. I was then informed that, they will require a more detailed report as the prior report isn't enough.