davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX, I cashed a backpack check Social Security for my XXXX daughter at the XXXX XXXX Bank of America.The XXXX cashed it. I'm her payee.Then few days, my card was declined due to overdraft from the check. I been with BOA since XXXX, never had an overdraft. Being a XXXX, I went to mgr who cashed check. He referred me to the Escalation dept. I called them, XXXX XXXX, also spoke to XXXX supervisor on XXXX XXXX. She denied installment, payments, and also emailed XXXX XXXX XXXX of BOA. It was a legitimate SSD check, but overdue timely, due to me going to hospital for XXXX. They took my VA widows pension and Social Security. No funds. My name is XXXX XXXX phone XXXX. Need funds to pay my rent and bills. Thank you
Consumer complaint received 2020-07-30
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)

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$4900.00} my account. The amount is inaccurate because of billing errors. I was told to electronically transfer my balance within the allotted time ( XX/XX/XXXX ). Later I was told by another customer service representative that an electronic payment is not acceptable. As a result, I mailed a hard copy check that was sent overnight ( XX/XX/XXXX ). Subsequently, I was charged the promotional interest fee, even though I mailed a letter informing XXXX that I was giving inaccurate payment options. The letter also stated that a hard check was sent overnight 2 days prior to the expiration date. This letter was sent via certified mail, it was received and acknowledged by XXXX XXXX. In addition, on a recorded line I was told by a XXXX  representative that a banking billing error occurred and that the promotional interest rate would not be charged. I have asked on several occasions both in writing and over the recorded line for XXXX to verify the conversation and to conduct a comprehensive investigation into the phone calls between myself and the senior manager. Unfortunately, every time I call, I am treated unfairly. XXXX representatives raise their voice with me, put me on hold for hours at a time, and disrespectfully refuse to investigate this case. This is fraudulent activity on behalf of the bank for providing false information and posting an inaccurate charge on my credit without my consent. I have made numerous attempts to reconcile this error. XXXX XXXX  has declined to investigate this case after I requested several times to review the recorded phones calls that were made dating back to early XX/XX/XXXX.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in possession of a verification letter from Transunion regarding the following account. 
XXXX XXXX XXXX With my last two correspondence, I specifically demanded VALIDATION OF DEBT from the furnisher of the debt. Not verification.

Furthermore, the account was reinstated on my account without the proper notification within five business days requested by the FCRA. Another violation of my consumer rights.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have had enough of the games with this consumer reporting agency and demand that this invalid account be immediately and permanently removed from my credit file.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have an account that does not belong to me from XXXX XXXX. I have tried to dispute and settle this even though it does not belong to me. They have sent me a letter ( XXXX XXXX ) telling me to prove to them that it is not mine or they will sue. This account should have fallen off of my account in XXXX of this year. Under Alabama law it can not stay on my credit over 6 years. They failed to that and now they are refusing to accept my disputes. This account is not mine in the first place but I was also willing to let it go if they removed it since my 6 years were up. {$680.00}
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (TX)

Popular Bank of Puerto Rico charged me an annual fee. When I close the account and requested to waive that fee because I will not use the credit card anymore, they told me I have to paid that annual fee, no matter what. 
I wrote to the Bank CEO, Mr. XXXX XXXX, explaining to him the issue and asking him for help. No answer.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (NJ)

THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2020-12-15
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. (LA)

This is my formal complaint against XXXX & Experian. They both have continued to report an account on my credit report that has not been verified. I have sent a certified letter to XXXX  requesting debt validation per my right under the Federal Debt Collection Act ( see attached document ). As of today, I have yet to receive any documents or information from this debt collector. Due to the inability to verify this account with the debt collector, XXXX, I invoked my right under the Federal Credit Reporting Act and disputed this account to Experian. Experian has continued to report this account although, XXXX, did not follow the law. If this debt is valid, why is it that I can not get it verified as I should? XXXX  and XXXX  have stopped reporting this account, yet for some strange reason, Experian has continued to report it. The LAW is clear and straightforward, and I feel as if Experian & XXXX is using this pandemic as a means to break it and violate my rights. Additionally, I went to the Experian website on XX/XX/2020 to determine if " a description stating the account was in dispute '' had been updated/added to the account, because I have continued to dispute it, as of today it's still showing with not dispute comments and/or marks ( see attached document ). As you may know, small business owners are suffering during this time and it's imperative that my credit reports are reporting accurately so I can obtain the business funding needed to sustain myself during these hard times.
Consumer complaint received 2023-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXXXXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I Checked My Credit Report and notice some fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 2020
Consumer complaint received 2022-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NM)

FedLoans has been giving me the brush off for 3 years now. I have submitted 3 XXXX employment verification forms and have received 3 letters from them telling me they are in the process of transferring my loans to FedLoans and once they are transferred, they will calculate my eligibility for XXXX and the number of qualifying payments I have made. Problem is that my loans never transfer and they and the Department of Education just send me in never ending circles telling me it's in process. I've filed complaints with DOE and they contact FedLoans, and FedLoans tells them the transfer is in process, and then DOE close the complaint without verify that the loans transferred. After 3 years I deserve to have my progress documented, so many are getting screwed out of their forgiveness because of their shady actions. I should have about 3 years of qualifying payments, and I have no documentation or confirmation from DOE. The DOE website shows that I have 0 months of qualifying payments because Fedloans will not transfer and calculate it. FedLoans constantly lies to me about the status and about being in process. I've sent multiple email correspondence and they dont respond.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (DE)

I have sent numerous written request for Tomo credit to cease and desist from debiting my account. They no longer have my authority and theyre taking {$10.00} every single week. I have tried to remove my account from the Tomo site, but its impossible. Ive called a phone number that no one ever answers and sent numerous emails and web requests with no responses. I also emailed the CEO XXXX XXXX on XXXX, but of course got no response, I want my account closed my bank account removed from access by Tomo as well as a refund of the {$400.00} that has been taken from me.
Consumer complaint received 2022-11-02
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. (TX)

Multiple hard inquiries with several online credit companies made recently. I was contacted by several companies at which I discovered my identity was stolen and froze my credit with the XXXX major credit bureaus. This has cost me a great deal of heartache as I was unable to get a line of credit needed for business due to my XXXX XXXX. XXXX of my credit cards have accumulated small balances of less than {$1000.00} after it seems the person went on a shopping spree.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Someone is useing our XXXX credit card to purchase XXXX and XXXX music on XXXX. XXXX is willing to credit back the purchase amount when we noticed this was happening. XXXX has the information on this person and is unwilling to tell us who it is or cancle their XXXX subscription associated with our credit card. We want to know who and how this happened before we go through the chore of canceling the credit card and reestablishing all the businesses we use this card with. I'm guessing it was a nistake on XXXX part that this happened. This person is using our name and credit card, but a different email address and street address. 
The purchase dates for the XXXX subscription were XX/XX/2022 and XXXX XXXX, XXXX. 
They were willing to cancel the amazon music subscription but not the XXXX subscription. 
It can't be legal that XXXX has the right to let someone else use our credit card and not let us cancel their account, or tell us how this happened.
Consumer complaint received 2022-03-02
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-02
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. (NV)

I reached out to Equifax Via telephone, and Mail about some fraudulent accounts appearing on my credit report. They refused to delete or investigate the fraudulent accounts. I never gave anyone, or any business permission to use my information, nor have I done business with these companies. Equifax here has failed me and has placed my identity and personal information at harm. I have sustained damages anxiety, and XXXX because my credit is affected and my identity is at Extreme risk, because Equifax has failed me. Equifax has no proof that was me and was not there when the transaction took place. Pursuant to 15 USC 1641 ( a ) ( 4 ) You were unfair and reporting this erroneous information without first consulting me the consumer. Delete UNAUTHORIZED HARD INQUIRES ( XXXX XXXX XXXX, XXXX )
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was sent an inactivated Bank of America debit card with no money on it on XX/XX/2022 and I have reason to believe that after the theft of my wallet a month ago, I have either been the victim of identify theft or Bank of America has made an account without my consent.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

ON XX/XX/XXXX I summited factual dispute to the three credit bureaus about inaccuracies with the following accounts and pointed out the violations on my credit report. 

XXXX XXXX # XXXX account is being reported as charge off from XX/XX/XXXX until XX/XX/XXXX. Reporting charge off even after account was paid and closed. 

XXXX  # XXXX this account is reporting on my credit report beyond the statue of Limitations. 

XXXX XXXX  XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (CA)

I was forced to expend the XXXX dollar credit given by AOL chase card in XXXX  because of a US CBP criminal XXXX XXXX harassing me at XXXX XXXX  and forcing me to sign I-407. This has happened because of fraudulent sun.com accountants did not want to pay me my capital or retirement or employ me when i complained in XXXX
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

On Tuesday, XX/XX/2022. Went intoXXXX XXXX XXXX to send a MoneyGram. Th transaction was sent but I intend to cancel the request. A miscommunication between myself and the staff there to cancel the transaction, in which placed a all t the XXXX number on the document I was unable to reach anyone because the messenger was in XXXX. I never spoke with a human. I then called the store to stop the transaction but by that time the transfer was picked up. When I bspoke again with the staff I was told that nothing could be done. It was hours later, The amount is XXXX and tried to recover it. At this time nothing has been done. I needed the money refunded to me so I can secure it for who it was to go to, please. The scammer out a whole to the reference number and picked up the transfer.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2018-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2018 I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/2018 The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/2018 I wrote to all three credit bureaus informing them of the letter I received from the Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/2018 XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that Equifax had removed the Bankruptcy from my credit file between XX/XX/2018 and XX/XX/2018. And then Equifax added the bankruptcy back to my credit file between XX/XX/2018 and XX/XX/2018. In  accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for Equifax. XXXX have yet to respond to my letter I sent certified mail on XX/XX/2018 in which certified mail states they received my letter XX/XX/2018. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-03-02
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park a debt on my credit report in the amount of {$1600.00}. The credit reporting deadline expired XX/XX/XXXX, therefore XXXX XXXX and XXXX deleted the account in early XX/XX/XXXX. 

On XX/XX/XXXX, Portfolio Recovery added the same debt for {$1600.00} back to my XXXX  credit report by falsifying the Date of First Delinquency. I asked XXXX to investigate, but XXXX  closed the investigation without revealing their method of investigation and only updated my report to read Consumer disputes after resolution. Portfolio Recovery Associates in collusion with XXXX violated the Fair Debt Collections Act and the Fair Credit Reporting Act by falsifying my credit history and knowingly re-aging this account with the intent to cause further damage to my credit and make the delinquency appear more recent than it is. 

Due to their fraudulent act, the account deletion date has been illegally moved from XX/XX/XXXX to XX/XX/XXXX.