davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

I am getting calls for apparently debt collectors without knowing what it is for. 
The numbers calling:XXXX XXXX XXXX I would like this to stop since I do not even know if perhaps the person that owned my number is the one that they are trying to contact.
Consumer complaint received 2018-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have an issue with Bank of America and there " Keep the Change, '' promotion. I was told to keep a savings account open to keep the change from my checking account. I was told that as long as I had {$300.00} jointly between all accounts I wouldn't be charged fees since all my accounts were bill linked. After looking at my account on XX/XX/2018 I noticed a negative balance with $ 5 monthly maintenance charges going back to XX/XX/2016. 
I would have just as easily closed the account but was told by a Bank of America customer service rep at a branch that it wouldn't cost me anything to keep it open. 
I spoke to customer service XX/XX/2018 to close the account due to deceitful banking practices. I was told one thing but treated another. The customer service rep credited me {$5.00} and than was told to close the account. 
I have been a Bank of America consumer for over 20 years. It pains me that an organization could put 100 % of the blame on the customer. I do hold myself somewhat accountable for not monitoring my account 100 % of the time and putting 100 % trust into Bank of America. Bank of America is liable for the initial conversion and answers to my introductory questions to the account. If I had been told originally of the underling problems that would have persisted, I would have closed the account back in XX/XX/2016.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

A company by the name of XXXX XXXX is fraudulently reporting that I opened an acct on XX/XX/2018! Its reporting a balance of {$4600.00}! I want this deleted from the Experian report immediately!
Consumer complaint received 2018-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VT)

This complaint is being filed regarding a {$170.00} charge from XXXX, originally {$270.00} - but I received a refund from XXXX in XX/XX/2018, so the total amount still being disputed {$170.00}. I have disputed this charge four times with American Express due to the fact my sister and I were kicked out of our hotel room at the XXXX XXXX on XX/XX/18 at XXXX after I had a XXXX XXXX. We did not cancel the reservation, we were kicked out of the hotel by their staff. 

I have explained verbally via phone and provided detailed documentation ( including a XXXX and Texas Attorney General complaints ) of exactly what occurred at the hotel that evening to American Express four separate times in filing disputes. To respond to my dispute, XXXX has provided the cancellation/non-refund policy of the hotel, and stated lies that include I assaulted a security person with my room key - which I did not. See XXXX   pdf for messages from American Express as a result of the 2nd and 3rd disputes and pdf 's ending in -XXXX and -XXXX ; these pdfs being the same document that was sent to me as part of the response for the 2nd and 3rd disputer. It is very frustrating to me that the 3rd disputer was closed after I went into a very great detail when filing my 3rd dispute and was told by the American Express customer service agent that the response from the company should not have been accepted as this was not a cancellation attempt by me the customer so the cancellation policy has nothing to do with the dispute. 

My complaint today is that American Express is not protecting me - the customer - against XXXX non-responsive responses to the disputes filed. I fully understand the no cancellation/refund policy of XXXX/the hotel. However, I did not cancel the reservation - the hotel kicked us out in the middle of the night. American Express is accepting the same irrelevant and nonsense response regarding cancellation policies from XXXX each time as an answer to the dispute I filed, but their response is not responsive to the reason for the complaint. I have called and talked to American Express customer service when filing these disputes and have been told that the response from the hotel is not responsive and a new dispute will be filed, twice now. I'm worried that this 4th dispute, filed today, is going to result in the same non-sense, non-responsive response from XXXX and American Express is going to accept that response again and close my dispute, leaving me on the hook to pay {$170.00} for a hotel I was erroneously and illegally kicked out of.
Consumer complaint received 2022-04-09
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

I noticed that a credit card provider ( Citi.com ) had significantly reduced my credit limit and increased my interest rate. 

It occurs to me that they had also increased my credit limit without request or permission the year before. It would seem that since credit card companies can arbitrarily reduce your credit limit that they can then use the justification that your are now using a higher percentage of available credit to raise your interest rates. 

The email notifications are easily overlooked in a flurry of advertisements they send out promoting themselves as well as notices of bill payments, which most people wouldn't open since they are fully aware that they had just paid their bills. 

It seems inherently unfair that a company can not only negatively impact your credit rating by unilaterally reducing your credit limit, but then raise your interest rate due to the impact they initiated, granting other credit providers justification to do the same, thereby creating a credit trap akin to payday loan lenders. 

Please look into this behavior which seems to me to border on fraud and if you agree that, please inform Congress. Just because you notify someone in small print that you have the right to financially XXXX them and will do so repeatedly given the slightest chance, that doesn't make it right. Currently lawful, but awful. 

It boggles the mind when you multiply this injustice by millions of consumers, not only at risk, but currently subject to these unscrupulous practices.
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

This account was reported over a year ago as a result of ID theft. Resurgent Acquisitions LLC is now in violation of the FDCPA for purchasing a debt that was previously disputed as a result of ID theft. Resurgent is trying to collect a debit that has been reported disputed. This account is issued from XXXX XXXX for a XXXX store card. Account ending in XXXX and a reported balance of {$160.00}.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and XXXX XXXX is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Equifax I wrote 3 times in 2 years time and called to get hung up on or told they are updating site and receive nothing. Absolutely nothing but a continue freeze on my report. I cant get cable from XXXX XXXX  or credit cards or mortgage or new car or insurance or anything because this corporation is a fraud and lying to federal government. They need to be shut down by congress.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account on my credit report, CAPITAL ONE XXXX ( opened on XX/XX/2017 ) reporting on both XXXX and XXXX that has not been removed yet. This account has been paid off and not been removed yet. I have tried to dispute this account numerous of times but I have not seen any changes. please remove this account, it is impacting my opportunity to get a home and move forward with my life.
Consumer complaint received 2024-01-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies (NJ)

I was sent a rebuttal of payment owed but still not verification of a debt I owe I was told I was XXXX  days behind but was also told I didnt have the payment arrangements time of recovery my last payment date was XXXX last payment made was XXXX start contract XX/XX/XXXX only missed XX/XX/XXXX payment of XXXX and tried pay {$800.00} XX/XX/XXXX and was denied payments and was sent no written notice how or were to Retrieve my vehicle NJ state law No written verification or chance to pay in full of time of repo I have an assigned without recourse contract the buyer is XXXX XXXX the seller is XXXX XXXX XXXX has a contract with XXXX XXXX for finance charges not wit me Im not responsible I payment wit credit transaction
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX. XXXX XX/XX/XXXX case was closed with XXXX balance. XXXX XXXX. XXXX XXXX, XXXX for XX/XX/XXXX from the insurance payment balance XXXX settled for XXXX. From XX/XX/XXXX to present the account is considered late and open. 
In accordance with Federal credit reporting Act this creditor credit acceptance has violated my rights under 15USC 1681 Section 602 states that I have a right to privacy. 15USC 1681 Section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment under a open consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. 

The companies are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Capital One- this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. 

I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the Capital One card canceled and all information removed about it from my credit report. 

I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX reported a bankruptcy upon consumer 's credit report without consent of consumer and should be removed immediately without delay. 
The United States Bankruptcy Court does not report any information to the credit bureaus and responsible for verifying or validating information from consumer 's credit files.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Since XX/XX/2021 I have been contacting XXXX, XXXX and Experian in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to XXXX, XXXX and Experian. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )
Consumer complaint received 2022-01-25
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. (OH)

Since XX/XX/2021 I have been contacting XXXX, Equifax and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to XXXX, Equifax and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

There is not an option for my specific scenario. My account wasn't closed however, the bank cancelled my debit card with out advising me first. I have a large amount of money in this account and upon attempting to get gas, found that my card was declined. I immediately called into my banking center and was told that my card had been cancelled ( supposedly BY ME, yet I NEVER called in with such a request ). 

I advised that I HAD never called in to cancel ANYTHING and needed access to my money ASAP. I was told there was nothing they could do because, A ) the department I need to speak with was closed and B ) they could 'reactivate ' my card and instead I'd have to be snail mailed another one. I was LIVID as that is the only card I have and use every day for everything from food to bills to gas. I was on the phone with the customer service agent for over an hour ( she kept putting me on hold ) and STILL she had no explanation as to WHY I wasn't given PROPER contact prior to my card being cancelled ( via someone from the bank ACTAULLY SPEAKING TO ME ) to advise that my card was going to be cancelled. Had they ACTUALLY SPOKEN TO SOMEONE I could have explained that it was a mistake on their end because I had NEVER called in and reported ANY fraud. After all the time on the phone she never gave me any resolution. Since my card was cancelled, I couldn't get gas for my car and was FURIOUS. She said she'd call me back first thing the next day with a solution. 

She NEVER called so I called the bank AGAIN and was told they could replace the card but it would 5-7 BUSINESS days. Mind you, this 'error ' happened on a Thursday meaning I was to have NO ACCESS TO MY MONEY for possibly 9 days since weekends are not 'business days '. I advised that I needed my card ASAP and was told they could expedite it to the address on file and someone would have to be there to sign for it. I then told them that I work full time and not home during the day therefore would not be there to sigh for it. I requested they send it to my work so I'd have access ASAP and they refused saying, it HAD to be the " address on file ''. They are essentially blocking me from my OWN MONEY. I have never had overdrafts on my account, I am a long time customer AND I have NEVER been in the red with my account, EVER. How is this possible that they are able to CANCEL my card WITHOUT MY AUTHORIZATION????? I have ZERO access to my money, the banking center is located in XXXX California and I now reside in XXXX California and they are doing NOTHING to assist me in getting access to MY MONEY ASAP. HOW is this legal??????????
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-05-13
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: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I disputed late payments with the creditor chase through the following companies XXXX, XXXX  and XXXX  for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time immediately.
Consumer complaint received 2021-05-13
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)

Over the course of the last week, my credit score dropped XXXX points on XXXX The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at XXXX. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX