davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (MO)

This is a follow up to Complaint XXXX that you closed after referring to FDIC. 

The credit card company, Aspire, that is part of the prior complaint. They have responded to me by email and asked for a copy of XXXX XXXX XXXX 's death certificate. As I previously commented to them, I am not a member of XXXX XXXX XXXX 's family and do not have access to her death certificate. And I reminded them that my request is for them to stop sending mail marketing to my home address that is addressed to XXXX XXXX XXXX because XXXX has not lived here since XX/XX/2022. 

The issue continues with this company and they apparently are not cooperative with simply removing my address from their marketing database. I have made multiple requests for them to stop sending marketing material, addressed to XXXX XXXX XXXX, to my address. And reminded them I do not want any marketing material sent to my address. 

Requesting your assistance with this complaint against Aspire for them to stop mailing marketing material to my address. Their company information is below- Aspire | XXXX XXXX XXXX| XXXX , GA XXXX | XXXX | www.aspire.com
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good Day Please be advised that Bank of America is not complying with reversing legitimate fraud charges. 
In my case though they acknowledge the charges arent valid they refused to credit it back because it was reoccurring for XXXX XXXX 
( These charges are from XX/XX/XXXX - XX/XX/XXXX ) Im certain they have made this exception in other similar circumstances and I believe class and perhaps race prevents them from honoring my proven claim. 

In addition to this, there service is horrendous in that you cant even get a email response from what is supposed to be their escalations team. 

Ive sent numerous emails and was eventually told Bank of America does not send external emails ( thus no response ) They have turned back the hands of time and request customers fax in there information. 

I actually went to my local branch to have my supporting documents faxed only to wait to be unseen by the XXXX XXXXXXXX. I was eventually given her business card only to discover the voicemail name for the corresponding number did not match. 
I nevertheless left a message and have not received a returned phone call. 
Im certain if I were a prominent figure this would not be happening which leads me to XXXX Bank of America ethics.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Went to apply for a job and was informed I owed XXXX for an account that was opened with Bank of America. I don't understand why I would owe when I am part of a class action lawsuit against bank of America I tried reaching out to the bank and which they informed me they couldn't locate the account. This balance were fee accesses
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (CA)

The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus XXXX EXPERIAN XXXX have failed to verify these accounts after disputing this issue with them directly.
Consumer complaint received 2020-11-08
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: EQUIFAX, INC. (CT)

they are accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion  put a credit lock and 3 year long fraud alert in my credit report and SSN. I had member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. Today XXXX XXXX2020, exactly 2 months later Transunion inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Transunion put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. 
On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Attached is proof they refused to allow me to report this from XXXX different devices
Consumer complaint received 2020-11-10
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: CITIBANK, N.A. (TX)

I have been the victim of fraud. Citibank, over 3 months, have finally decided they agree with me, but have stated it has been too long to reverse the charges. I submit that their lack of timely communication, and lack of communication at all, have contributed to the fact the dispute has taken 3 months to resolve, and that I should get my charges reversed. I have dozens of documents that show my story with timeline of events.
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BREACH OF CONTRACT and DECEPTIVE BUSINESS PRACTICES BY BANK OF AMERICA. When I opened a Small Business Checking account with BA, I was advised that as long as I make commercial purchases with my ATM VISA card, there would be NO monthly charges applied to my Business Checking account. Basicaly I was promissed a total FREE SMALL BUSINESS CHECKING. Subsequently, I noticed on my statements that despite the above promiss of a FREE CHECKING ACCOUNT, the Bank began to charge me a {$16.00} monthly service charge despite the fact that I was using my VISA Business Debit Card to make purchases. When I bought this matter to the attention of the XXXX XXXX Branch manager, she apologized and refunded all the $ XXXX-charges. Despite the corective action taken by the branch manager, a few months later Bank of America again started to reinstate the $ XXXX-monthly charges, in violation of the Agreement and they have been illegally ading the $ XXXX-monthly service charge for the past 5-months. In fact they did the same deceptive practice with my personal checking by charging me {$3.00} monthly fee for Check Image service, despite the fact that I have signed up for paperless account service. When I complained to customer service, again they apologized and refunded the illegal service charges. The actions I just described above is a CONSISTENT PATERN OF FRAUDULENT AND DECEPTIVE BUSINESS PRACTICES and BREACH OF CONTRACT by WILLFULL MISCONDUCT by BANK OF AMERICAN INC.
Consumer complaint received 2020-11-08
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. (DC)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Consumer complaint received 2020-11-10
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  XXXX XXXX  # XXXX****the dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX  # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX XXXX XXXX XXXX I have never done any type of business with this company please delete this account at once!
Consumer complaint received 2023-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

keep getting charge when i make an schled payment thy charge an extra XXXX bucks to pay on line when they say its free to make a payment with rep its XXXX bucke by auto system XXXX buckes these fees are not explaind to the customer when you get the loan pluse thy will not tell you how much of the payment goes to prinsable or intreast on the loan i asked but got told it alreADY FIGURED IN THE LOAN hidden fees not explaind
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (IL)

I was in contact with Oportun in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. Oportun has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.
Consumer complaint received 2020-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2020 Amount of {$750.00} was sent as a deposit payment for a pet that was provided with extensive pictures and videos through a message, with two-way communication. However after sending the initial payment, I was received with an email from a non-registered domain asking for an additional {$2500.00} to " comply '' with a covid-19 related shipping charges. This was unprecedented and completely fraudulent and the attempt to cancel the payment via Online portal was not available due to the method used XXXX XXXX XXXX. The other recipient ( or seller ) stopped responding to my messages. The seller is changing their recipient addresses around, with the latest one asking me to send the additional funds to XXXX XXXX
Consumer complaint received 2018-11-02
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)

Ally pulled credit reportXX/XX/18 through Equifax and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with Equifax there was no fraud alert.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I asked for the information used to verify a public record thats displaying inaccurate information under my name. I understand that any information thats attached to my social security number or that is being reported, Im entitled to copies of documentation by law. Experian have refused serval times to send me the documentation I have asked for. The company claimed they verified information based on information that previously appeared on my credit report. I asked for documentation of how they verified the inaccurate information listed in a public record and they refused my request stating they dont have to provide that information which make me think they have falsely investigated my request.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

First incident : XXXX account was reported twice for the overdue balance/closed account. Once in XXXX and recently. 

Discover closed my account ( XX/XX/XXXX ) while having me on a payment plan to pay off the account and never notified me of the closure. They claimed they sent mail to my home but I have opted out of paper mail, and never received an email or app alert telling me it was closing, just that I had monthly payments due.
Consumer complaint received 2020-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

In 2015 I was informed by the staff at XXXX XXXX  that they offered a program that would build credit for people like myself with bad credit. In order to get this service I would make monthly payments into a Certificate of Deposit that they would report every month. I was told that this was a loan from XXXX XXXX  and not a savings account. To access these features I had to open a checking account with XXXX XXXX  to transfer payments. 

So I opened the account as directed by XXXX XXXX. After months of making payments into this account I discovered that no loan had actually been given to me by XXXX XXXX. The money that I was giving the bank went into no minimum Certificate of Deposit and the company was reporting the balance of my personal savings account. Which is a major violation of my right to privacy. Banks are not allowed to report the daily balance of a persons personal savings. Loans yes, but they did not give me a loan they only opened a Certificate of Deposit. I immediately asked XXXX XXXX  to close this account and all accounts associated with it. 

XXXX XXXX  then closed the Certificate of Deposit but Continued to report to all Credit Bureaus that a loan was given. No such loan was ever given. I have made several attempts to report this lie to all the major credit agencies. Each time I have reported this to them it is ignored by XXXX XXXX  which is now First Citizens Trust. 

In addition to reporting a loan that was never given XXXX XXXX, they never closed the Checking account that was linked to the Certificate of Deposit. Because they never closed the account. They continued to charge me monthly fees and overdraft. I have tried several times to rectify this with them and each time they have ignored me and violated my rights. Not only did they lie to me about giving me a loan they have also sold a false debt to multiple creditors. 

Since XXXX XXXX  has closed 5 separate collection agencies have contacted me stating that they own a debt from XXXX XXXX. When I try to explain what happened each time they ignore me and each time they all claim ownership of this false debt.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On, or about, XX/XX/2019, I took a taxi from XXXX to XXXX PA. Because I didn't have the funds in cash on me and the driver wanted cash, he held my card till we got to a rest stop on the NJTPK. Once there, the driver accompanied me to the ATM, where I withdrew XXXX $ for his services. He had apparently skimmed the card and afterwards charged me {$540.00}. I filed a complaint with Citizens Bank and they asked for more information to support my claim. The information would be the video from the ATM withdrawal, where the driver is seen accepting the cash. I can't get that video. The bank, without notice deducted the funds it had already re credited to my account. If the funds are refunded I will close the account and pursue other legal options.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

This is my formal written complaint. I am denying all calms by. CONVERGENT OUTSOURCI I have never done any business nor received any goods/services from CONVERGENT OUTSOURCI In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between CONVERGENT OUTSOURCI and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on my consumer report
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Seattle Service Bureau, Inc (FL)

There 's a collection agency called National Service Bureau , Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wa XXXX which is claiming {$20000.00} for a car accident that I had 3 years ago. The insurance company claiming the money is XXXX XXXX, XXXX # XXXX. Until this moment, I 've never received a letter or anything from this people claiming this money. The are saying they will suspend my driver license or/and vechicle tag if I do n't pay. Of course, I do n't have this kind of money. A year ago, my insurance paid for this accident already. My insurance company is XXXX.
Consumer complaint received 2023-03-31
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: William D. Meeker Enterprises, Inc. (FL)

I have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. 
For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC Mortgage Credit 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 CIC CREDIT 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 2022-12-14
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: Retail Merchants Associates (LA)

I did not give consent to send my personal information to this creditor. This is a violation of the HIPPA law as well as my privacy. What was the method of verification? And there is no proof of how the debt was validated.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

3 different collections I settled with XXXX XXXX to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. Walmart XXXX XXXX sent to collections with XXXX should be deleted than 2 capital one bank cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a Kohl 's settles for less
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I got my statement for XX/XX/XXXX, reflecting I didn't make a payment, with a late fee, for the month of XX/XX/XXXX. I called that they didn't get my check. Gave my check # and amount. The representative stated no check was received. So I made a phone payment by phone. I stated if they get the check, to bill it as another payment. I made a payment # XXXX {$130.00} on XX/XX/XXXX, by mail at post office. On XX/XX/XXXX got a text message, to community bank. Another text appeared they tried to contact me via, XX/XX/XXXX, it appeared on XX/XX/XXXX! I called the XXXX. Gave my info, representative said no payment had been received. He stated, he can take a voice payment, gave my info. payment made confirmation # XXXX I stated I had made a payment to a company, that I canceled, and if I got a billing of a refund on a different card, a credit card I lost! No info regarding that, there was a cancelation fee. He passed me on to a customer service representative, I gave all the info for my account explained, the transaction of lost card, no info for that, as of yet. I then asked there is a problem with my mail payments. The representative stated ; I am sorry, since XXXX, was bought from another company ; all payments will be forwarded to XXXX, ILL, from the XXXX XXXX XXXX XXXX XXXX TX XXXX. No address was given for XXXX, ILL, or phone call. I asked will a mailer go out regarding that. He didn't reply to my inquiry. Billing statement for XX/XX/XXXX, is XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out
Consumer complaint received 2020-11-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I challenge the reporting practices of Equifax. Ive sent them letters disputing four companies. Equifax failed to mark these items disputed and failed to respond to 3 of 4 within 30 days with information that was requested by me. The main reason I feel they didnt follow the law is because I reached out to those four companies first and none of them reached out to Equifax or the other two major reporting agencies to mark these items disputed or provide information of proof to me. 

I sent out a letter providing my side to CFPB which included what I believe to be evidence that Equifax and these companies did not follow protocol. I never received a complaint number, but did receive a email from CFPB to call regarding this issue. I reached out two times by phone but none of the agents were aware of this particular situation.