davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I received an email notification from Bank Of America that read that unusual credit card activity was noticed on my account. By clicking on the email, I was able to flag fraudulent charges directly on the site. On XX/XX/XXXX, a replacement credit card was mailed. Upon reviewing my recent activity, I noticed that there were several additional fraudulent transactions on my account that the Bank of America software did not catch or allow me to flag online. Upon this discovery, I called Bank of America to add these additional charges to my case. On XX/XX/XXXX, Bank of America issued a credit of XXXX for the charges flagged online and on XXXX, a credit of XXXX for the charges I reported with an agent over the phone. On XX/XX/XXXX, Bank Of America sent me a letter indicating that they were unable to approve my fraud claim. Upon reading this, I called Bank of America to challenge this decision as a total 12 fraudulent charges were charges made in a town I dont live in, hundreds of miles miles away, at establishments I did not set a foot in The charges were not made by me. The agent I spoke with was unable to provide a specific reason for the denial and proceeded to re-open the case, adding notes stating that the charges incurred in a different town and that I did not receive any product or service from the merchants listed. On XX/XX/XXXX, Bank of America once again sent a letter indicating that they were unable to approve the claim due to what they deemed to be consistent with previous charges with the merchant. Merchants included XXXX XXXX, XXXX XXXX, XXXX and others. I have never set a foot or done business with these merchants and Bank Of America has failed to deliver proof justifying their decision. I appreciate your help advocating for me as Bank Of America is holding me liable for charges of {$2100.00} that I did not make.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have a few inquires on my reports that I didn't authorize. 
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 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

TransUnion Dispute Collections Account is closed and has been decreased to ( 0 ) Zero. TransUnion continues to report {$2900.00} as derogitory information. Have disputed twice. Complete discharge of debt completed. Creditor has acknowledged accord and satisfaction.
Consumer complaint received 2021-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (FL)

In 2019 I was going to XXXX XXXX with XXXX in XXXX, CT. At some point my insurance changed and I provided the receptionist with my XXXX XXXX  XXXX XXXX XXXX insurance card. Months later I received a bill from XXXXXXXX XXXX ( XXXX ) and I contacted them multiple times explaining that I had provided my insurance information and do not owe a bill. After multiple calls and disturbing conversations with the supervisor over the billing department I contacted XXXX XXXX. XXXX  conducted an investigation and determined that the provider XXXX XXXX/ XXXX failed to submit the claim timely and that the patient ( myself ) was not responsible. I also contacted American Adjustment Bureau ( creditor ) once I saw that this situation was not rectified and now on my credit report and they stated that the amounts on the file show that the hospital charged it at a discount amount of a cash paying patient. I explained the situation to the creditor American Adjustment Bureau and they refused to remove it. I then put in a claim to XXXX  and XXXX  and their investigation report is stating that I am responsible despite the proof I provided from XXXX. I am not responsible for this bill and need it removed from my credit report.
Consumer complaint received 2022-12-03
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ... XXXX Balance : {$0.00} ; XXXX  XXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

I paid off the balance of my Sam 's club Synchrony card XX/XX/XXXX and therefore had a zero balance. On XX/XX/XXXX Synchrony processed a payment for {$270.00} resulting in a overpayment of - {$270.00}. 
XX/XX/XXXX I called customer service and was not made aware of any payment hold on the {$270.00}. The representative told me she would be submitting approval for an expedited check for the overpayment. She also said I'd be receiving a call back in 2 days from a representative. I never received a call XX/XX/XXXX I called again and was not made aware of any payment hold by the Supervisor. When asked about my previous call the XXXXupervisor had no records of the representative requesting my expedited check or call back. The Supervisor said to submit bank proof the payment was taken via Sams Club Synchrony XXXX. Proof was submitted same day. I asked her to verify she received it, but was told she was unable to check while on the call. She let me know the check would go out the following day since it was pass the cut off time for the day. 
XX/XX/XXXX I called again and was put on hold for XXXX with no response. Hung up and Called again and spoke to Supervisor XXXX. He didn't make me aware of such hold until I asked about it. He also had no record of my request of overpayment from my XX/XX/XXXX phone call. He let me know the check had still not been issued. He put in a request to have the check issued and let me know it wouldn't be sent till Monday because of cut off time. 

I should not have to call 4 times to resolve an issue with this company. I should have my request done the first time I ask and not be lied to. Synchrony should have never processed the payment with a zero balance on the account. I should not be deceived by their call representatives just to get me off the phone. These are deceptive and unlawful practices to prevent me from receiving overpayment funds.
Consumer complaint received 2022-10-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

fraudulent accounts were identified and disputed with the proper documents and they didn't remover the accounts per the law ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX XXXX took an application to modify HELOC from balloon payment to term loan. They indicated process would take ( 6 ) weeks and agreed to ( 4 ) months forbearance in the interim. They took ( 6 ) months to complete, although all doc submittal requests were honored. I began paying on new loan, however they did not inform me that old loan was still pending unpaid status improperly. They reported me late to credit bureaus on old loan without notification to me prior, while I was unwittingly paying them based on new terms of new loan at their request. They have critically impaired my credit with incorrect late reporting which they refuse to remove, stalling my ability to earn income in my profession as a XXXX XXXX XXXX.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CO)

I have made all my payments on time but was surprised to see that GS Bank who issued my Apple Card reported my account 30 days late for XXXX 2022. I'm in the process of purchasing a house and if the late report is not removed, My loan is going to be denied. I contacted the customer service number and was told the late report was going to be removed but nothing has been done so far.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

This Problem Goes back to a credit card with Chase Bank dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card.

Chase has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim Chase collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. Chase loves to sell the insurance polices back in the day and if you really do some home work Chase Bank has really hurt many people financially with these insurance policy. Chase sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to  insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, Chase was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn Chase and myself. The agreement would state that once received the money for the judgement frim J. P Morgan Chase Bank. that all the trade Lines ( credit lines ( XXXX, XXXX, & XXXX ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against Chase Bank.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from Chase Bank and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that Chase. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with Chase Bank discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. Chase Bank just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your correct keep moving forward.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (CA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-30
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. (GA)

On XX/XX/XXXX I recieved an email from XXXX a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my XXXX card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that XXXX has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to XXXX, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?
Consumer complaint received 2022-02-07
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. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-12-03
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} ; XXXX XXXX XXXX  XXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$45000.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

I have asked for my credit report for all 3 credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XXXX since XX/XX/year>, but they tell me that I can't report him as XXXX and I'm not sure as to why because I'm his ex wife and he has been XXXX since XX/XX/year>.
Consumer complaint received 2021-10-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MN)

On XXXX I paid off my current mortgage with Freedom Mortgage because it was required per my XXXX XXXX. The payoff was almost {$3000.00} too much because I was told they couldn't subtract the Escrow amount and I would get a refund for that. On XXXX I called Freedom because I had not seen that check and I realized that my Ex had put his out of town address on statements that he was getting mailed to him. I told the Freedom rep that if he gets the check he will forge my name and cash it. I was assured that he was not mailed the check and that it went to me at the property address. On XXXX I called again because the check had still not arrived and I was told it was in the mail and the USPS was to blame because they are slow. I again insisted they confirm that the check was in fact mailed to my address, and once again I was assured it was mailed to me at my property address. Wednesday XXXX I was not feeling good about this whole thing, so once again I called Freedom and I was told a totally different story. The check did go to the Ex 's address and I would have to wait 30 days from the date the check was issued ( XXXX ) to stop pay and have another check issued to me. No one can tell me if the check has been cashed, until that 30 days. So my Ex gets my money once again. The lack of customer service, the different story each time I call and the fact that there is no regard to my money getting returned to me in a timely manner is unacceptable. The bank charges me daily interest, where is my daily interest on my refund?
Consumer complaint received 2019-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion for over a year I have protested this alleged account and not once has it been verified in writing to me. I have not received confirmation on how you have verified the alleged account attached in exhibit C for over a year The CFPB has all records of this case, and therfore request that you consider this a final notice to your office s. past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting .there should not be a wait and see response it is factual statement to CFPB to remove alleged account. there is no need for a 60 wait with the documents enclosed I'll give you 5 business day as of XX/XX/2019 to remove this alleged account burden of proof is on my side and violations on yours I have not received conformation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it to reporting accurately.Therefore, you are to present to me with certification in testimony that the alleged account presented in Exhibite C are in fact in compliant and not subterfuge?
Consumer complaint received 2022-10-10
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. (AZ)

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 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 

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 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.