davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I have been a loyal customer since XXXX with XXXX. I have taken out XXXX personal loans with XXXX. I paid XXXX off completely and have XXXX remaining. In XX/XX/XXXX, I contacted XXXX XXXX company to help me stay current and not fall behind on my loan payments. XXXX contacted XXXX on XX/XX/XXXX with a proposal and first payment. The terms of the proposal were to not contact the credit agencies during the first 30 days as they establish my account, to waive late fees and other terms. The proposal stated that if they do not hear from XXXX, XXXX assumed the terms were agreeable. XXXX did not hear form XXXX  in said time, nor at this time declining the proposal. XXXX has cashed all the payments given to them by XXXX and never sent a decline notice. XXXX has not put delinquency on my credit with all three credit bureaus and it has taken my credit score from XXXX to under XXXX in one day. On the response from the company the lied and perjured themselves in the paperwork.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

I just recently opened up this checking account with Citibank and now my account is under review. I dont know why its under review and can't nobody tell me why its under review. I have {$600.00} in my account and i don ; t have access to my funds. The number i provided so they can validate isnt working per their request but when i called my cellphone company my number is listed as me. All this happened on XX/XX/XXXX. No actions and i cant get no help. I just want my money. The company just giving me the run around and I provided every information they needed to unlock my account.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CO)

I have filed 3 different complaints. I still have no resolution. I have written letters and gotten no reply, called and can not get through on any phone number given and now have submitted 3 different complaints with no direct answer. This company uses stalling tactics. They now are stating that they will only contact me via mail. To date since early this year I have not received anything in the mail from the company stating they will or will not accept the offer I sent prior months ago. When will an offer be sent from XXXX XXXX? XXXX XXXX pays pennies on the dollar from the 2 creditors, XXXX XXXX and XXXX XXXX. An answer is needed if an offer will be sent and when or if no an offer will not be sent and the debt will not be reduced. I just want a simple answer, I am unsure as to why this is so difficult. I am trying to pay this but at a reduced amount or a payment plan.
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was under the impression that I was sending deposits for an apartment to someone in the XXXX housing department. I was instructed to send exactly {$4800.00} via XXXX. On XX/XX/2019 I was instructed to show up for a viewing when I was arrived there was no one there. I sent messages and called to no avail so at this moment the scam was unveiled and I discovered there was no apartment. I called XXXX who then instructed me to call my bank to receive my funds back. After getting off the phone with XXXX I called Bank of America who told me they would take anywhere from 10-45 days to make a decision and on XX/XX/2019 they sent me a letter in the mail to tell me I authorized the payments and therefore they would not refund my money. What I do not understand is why I spoke to someone from XXXX who told me I could receive my funds back but since XXXX and Bank of America are separate entities my bank needed to request a refund on my behalf so I want to know why Bank of America will not refund me.
Consumer complaint received 2021-06-11
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. (NJ)

This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMERCE BANK (MO)

commerce bank credit card, was original creditor was XXXX a day on my credit card in or around XX/XX/2017. to XXXX XXXX XXXX which i never had an acct. with. i disputed an they said i let someone use my card my wife said which i am not married an it was my girlfriend an she was trying to help m with canceling my credit card after i had suspected bogus charges on several mths before an i worked long hours.contacted local sheriff dept. an they said they never or eldom catch cause internet crime is so hard to trac. so i never reported the crime as i was so busy.know XXXX XXXX  XXXX   XXXX have taken over an it never was my debt '. an i had always paid my card in full til this debt an know is gon na be on credit an my credit is bad.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

XXXX XX/XX/XXXX I called XXXX bank to report fraud. XXXX XXXX about XXXX in the amt of {$110.00}, plus late charges, and XXXX charges. Was told my Credit Bureaus would update and receive a new card in the mail XXXX to XXXX  days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX XXXX XXXX transferred to XXXX in XXXX XXXX XXXX XXXX was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. I s/w XXXX then XXXX to XXXX in XXXX XXXX XXXX XXXX they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXX XXXX waived XXXX late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would happen.XXXX XXXX for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, ME XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ME XXXX. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that XXXX sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, ME XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and XXXX stated that it would be another XXXX to 45 days. 

I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my Credit Report as well. I had been XXXX XXXX XXXX XXXXXXXX. They took off my late charges and I made double my payment on XXXX card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid. 

My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for. 

I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved. 

Please reach out to me for more information if needed. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

Since XXXX, 2023, I have attempted to receive the 2 % cash back on my purchases per Wells Fargo 's Cash Rewards on purchases.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS 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 has 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, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-02-21
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. (NY)

XXXX  XXXX bank credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of XXXX XXXX In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holdeXXXX XXXX XXXXXXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (MI)

I don't owe anything to NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2022-02-21
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. (MO)

Case # : XXXX On XX/XX/2021, I sent a dispute via email to Experian business regarding an incorrect balance of {$100.00} that has been reporting to my business credit report since XXXX. I've contacted every vendor reporting to my Experian account and everyone stated I do not owe a balance. I've attempted to contact Experian Business multiple times with no solution. I do not believe my complaint has been investigated.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I was a secondary card holder on my mother 's AARP Rewards Chase credit card. My mother died on XX/XX/2021 and Chase cancelled the account. After her death many returns were made to merchants. There is XXXX return where XXXX credited the Chase account, and Chase has never made a refund to me as the next-of-kin who is settling her affairs. I have received other refunds from Chase. I have called the Chase Estate Department multiple times at XXXX and have been consistently told that XXXX did not make a refund to Chase. That is not true. XXXX refunded {$44.00} to Chase on XX/XX/2021 at XXXX XXXX I have provided Chase with the refund transaction code. Chase 's wrongful retention of the {$44.00} is theft. I have asked Chase in writing to refund the monies, plus interest since XX/XX/2021.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I experienced a hardship during a natural disaster ( hurricane ). I spoke to a representative at Capital One and was advised of a deferred payment due to this hardship. As a result of this i suspended my automatic payments for this account. I realized about a month later that this non-payment in XXXX is now being reported late. I spoke to customer service and was advised this would be corrected. Two months into the investigation i received a letter for capital One stating nothing could be done. I think this is unfair and should have been handled differently by the representative ; i think giving out false information at the time of my hardship and saying i had one less thing to worry about was horrible and showed how uninformed the customer service rep was at the time.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Dealing with this, Bank has been a major problem. They continue to ignore me and disregard my attempts to give them information regarding my status as a victim of XXXX XXXX They have been very cold-blooded in their nature when I called contact them, but in addition, they are flat out, ignoring anything that has to do with me not paying them. However, I have explained to them on multiple occasions that discharges werent even made by me although I did apply for the account I was Doing so in distress and ultimately had the account hijacked away from me by my perpetrators.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Transaction Alerts : Charges placed on your XXXX {$2100.00} on XXXX customer care to cancel XXXX ignore if you acknowledge thank you. 

The above message was sent as a text message from ( XXXX ) XXXX. I could tell by the XXXX  of the message that it was NOT from Bank of America as it suggests. 

I called the XXXX number just to mess with them, as I do not have a Bank of America account. I asked where the call center was and XXXX said XXXX XXXX. The text message has an XXXX  area code. 

These people are phishing and need to be stopped
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2021-06-11
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. (GA)

XXXX XXXX is in violation of my consumer rights. XXXX XXXX has taken information from the PACER system and sold that information to other reporting agencies. 
XXXX XXXX is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter. 
XXXX XXXX is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character. 
I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law. 

XXXX XXXX is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave XXXX XXXX any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws. 
Lastly, XXXX XXXX has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I am writing to address the urgent matter of fraudulent accounts on my credit report. Upon reviewing my report, I discovered unauthorized accounts under my name, opened without my consent or knowledge. This breach of my financial security demands immediate action XXXX XXXXXXXX.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (TN)

I contacted this company Contract Callers Inc of Georgia about an entry on my credit report. I sent this company several letters which they received. I disputed the entry and asked Contract Callers inc to validate the debt by sending me proof that i owe them this debt and that they owe the debt they were trying to collect on. Contract callers inc never responded. In fact contract callers Inc marked my debt as paid. I never had a contract with this company, I never paid a dime to this company. This company has violated my right on many levels. Failure to provide validation of debt, illegal entry on credit report.