davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
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: JPMORGAN CHASE & CO. (MI)

I ordered a device from XXXX XXXX but later asked for a refund. XXXX never shipped the item and therefore, was never received. I waited over 10 business days for a refund after receiving confirmation that the refund had been sent. Nothing has appeared on my account. 
I contacted Chase, which the refund should have went to my Chase account. They told me it was too old to dispute and to contact the merchant. The merchant is unresponsive and I have not received my {$420.00} from a charge on XX/XX/2021. I never received the order or a delivery confirmation. 
I informed chase I will be filing a complaint with CFPB.
Consumer complaint received 2022-10-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXXXXXX XXXX  # XXXX & XXXX  # XXXX, has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-06-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (AL)

I opened the margate with AMERINAT and every payment that they reported was reported as a late payment in error. This has never been corrected and it is adversely impacting my credit score. I have reached out and contacted Customer Service and they still have not gone through to correct this error. This is a closed paid account and I would like fortis to be corrected immediately.
Consumer complaint received 2020-02-10
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. (GA)

I continuously receive bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know that these accounts do not belong to me. 

XXXX XXXX {$23000.00} XXXX   XXXX {$23000.00} XXXX/XXXX   XXXX {$46000.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I'm seeking your assistance to address identity theft-related issues on my credit report. Despite reporting the problem to authorities and resolving it with other creditors, the XXXX XXXX account is still listed on your bureau, negatively impacting my credit score. I appreciate your help in investigating and removing this account, and I look forward to receiving written confirmation of the resolution. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (TN)

In XX/XX/2019, I close my account with regions secure credit card. They took my secured deposit of XXXX which my balance was approximately {$1100.00}. I was being charged fees after fees for using my credit card on daily purchases. around that time they missed credited XXXX dollars and i was not given an explanation of the funds. My account should have been resolved and paid around that time. I left the country because of a family emergency. recently came back to find various corresponds of fees added to my account. I have tried to resolve the account over the phone. Either I get disconnected or transferred to the incorrect department. I have invested hours. I am willing to pay the balance without the fees. I should not be punished for the lack of training regions customer service employees lack. as a consumer, I should be able to trust an employee of regions in their adequate expertise. I am sure that I'm, not the only one being charges an excess amount of fees.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS   XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX   XXXX  XXXX {$170.00}
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: N.A.R., Inc. (VA)

I filed a dispute regarding a charge off credit card and the card XXXX bank sent back information stating it was valid. I called to try to settle it on XXXX and they sent me to NAR collections stating they had it and to call them. I emailed NAR and they stated it wasn't with them anymore XXXX had it and that they were removing it from my credit. I am submitting the email and want to make sure it is removed and XXXX doesn't try to mess with me again as this is affecting some matters in my life and I tried to make it right.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Direct Recovery Services, LLC (UT)

XXXX am XXXX & XXXX XXXX XXXX XXXX XXXX left me a message. First of all I have been identity theft, and have reported this to the federal government, and have told all my accounts and they all were closed. I have as I write this a company helping me resolve this. As the accounts report to the credit bureau and I am informed that they are MY debts I have paid them off. Every single one. " XXXX '' and XXXXXXXX XXXX are NOT on my credit report. " XXXX '' left a message saying " My office has spent enough time and resources trying to reach you already. It is definitely in your best interest to return this call immediately to resolve this matter voluntarily. This is my final attempt to try to help resolve this matter voluntarily. Good luck to you and pay online. I have not spoken to this person one time. He didnt know who he was calling or leaving a message for, or even if It is MY debt. I feel threatened. Its not that serious. And you can report me to the credit bureau. That hasn't been done. So why leave me threatening messages. These people are dangerous and need to be held accountable.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

Someone has opened up an account in my name with Nordstrom. I have continuously disputed this account and have spoken with several reps at Nordstrom. I was told by the Nordstrom reps to dispute the account with the collection bureaus, I have done everything asked of me, however they have done nothing to resolve this issue. I have sent in a Police Report and an FTC report and still nothing has changed.
Consumer complaint received 2020-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX   ARKANSAS XXXX {$170.00}
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CA)

I have previously reported this company Pinnacle XXXX XXXX for their repeated phone calls and abusive language. Previously it was XXXX XXXX who called me, now they have XXXX XXXX calling. She called my phone twice on XX/XX/21, and left one message. I attempted to return the phone call that same day but the phone only rang with no answer. She also called a friend of mine twice on XX/XX/21. XXXX called again on XX/XX/21 and called my friend twice and texted him on this same day. I called XXXX back and once I realized she was with the same company as XXXX XXXX I told her I already disputed this with him and he told me I didn't need to do anything else. Then I told her she needed to stop calling and harassing me, and my friend with her endless phone calls and text messages. She began raising her voice, and telling me that " there's a process ''. I said I'm not giving you any of my information, so stop calling. She continued to yell and scream at me and eventually hung up.
Consumer complaint received 2020-02-10
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. (NC)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (MI)

I asked this debt collector to send me the information on my debt so I could take care of it. They responded by telling me they ca n't find my account or information for it. It is still on my credit report and I 've heard nothing but bad things from this company and being dishonest. ENHANCED RECOVERY COMPANY is the company in question and XXXX is the original creditor.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

XX/XX/2024 {$400.00} and XX/XX/2024 {$300.00} both amounts were withdrawn from ATMs while I was in a XXXX XXXX I was waiting on the debit card from Chime bank to come in the mail to where I was living temporarily. I never received the card. I reported the card stolen the day I got out of the XXXX XXXX after seeing the two withdraws. I had made a dispute and a Rebuttal 5 times and they keep telling me that I will get my money back, but I continue to get denied by their so called investigation team that they can't call or talk to. I have spoken to a supervisor as well, they also guaranteed my money would be given back to me. I also sent them police documentation 3 times. Showing fraud/ embezzlement.
Consumer complaint received 2020-02-10
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. (NC)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my payment on the due date of XX/XX/2020 & received a confirmation for it being received on the due date Then was charged a past due fee of {$26.00} on the same day & they wont remove it I originally had paid this thru my Bill pay with my banking institution & there was a glitch in their system so when it didnt go thru paid it directly with the card companys site
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX thru Bank of America I tried to make a payment to XXXX.It was returned for NSF. Another attempt was made XX/XX/XXXX but XXXX said it was not received. With the '' help '' of the branch managers & online services a dispute was filed. At first a credit was made to my account but then this was muddled and my account was debited. Another attempt was made and once again the account was credited, this time " permanently '' about XX/XX/XXXX. both in letter and e mail messages. Biut not only was this rescinded but money waa taken from XXXX. Everyone at BOA that I have contacted has been completely both inept and indifferent to any real customer service. Although this affects my account this is BOA 's problem and they must fix it. Fortunately this revolves around a {$120.00} payment but BOA 's response is the bigger issue.
Consumer complaint received 2022-10-15
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 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 XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX  XXXX Balance - ; XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc. (CA)

In XX/XX/2019, I received a letter from Account Control Technology saying they were trying to collect on a debt. I wrote and sent them a written request ( via certified mail ) to validate the debt. I have not heard back from them until this morning. A representative called me " in an attempt to collect the debt ''. I asked why they are calling me when they haven't responded to my written request for debt validation sent back in XXXX. I was not able to receive a straight response from the rep. She said she could add me to the " Do the call '' list. Not good enough, I want the matter resolved and I want to know why my request was ignored and why I am being contacted again without ACT having validated my request. I asked to speak to a manager or supervisor, he also beat around the bush and would not answer why they have ignored my request for validation. I became frustrated and decided to pursue this matter with other authorities and to file complaints against ACT. My rights under the Fair Credit Reporting Act are being violated by ACT.
Consumer complaint received 2020-02-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (SC)

Leased a vehicle through GM. My company paid the lease in full ahead of time and no money was owed. Lease turned back in to dealer in excellent condition. I have an amount owed showing up on my credit report being late over 180 days late for {$310.00}. Last statement received in XXXX with a XXXX   amount owed, as I turned the lease in that month. No statements at all in regards to this amount that is showing up owing. I continue to have access to my online account for this lease and there is still XXXX  owed online.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On the XXXX of XXXX I submitted a dispute about a transaction from a week prior and how XXXX provides a 100 % money back guarantee but because I submitted a dispute with my bank the option was up to them. Bank of America told me they are waiting for the merchants bank to refund the item and regulation E mandates any and all banks to provide a provisional credit. I have received nothing and this is day 12. I've lost a job due to lack of funds and I am about to start paying for lawyer fees to sue the bank. This is the 2nd time they have been in violation of regulation E, and now my dispute says claim not paid which confuses me even more. I want to sue this bank and get my money back from them ASAP...
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (PA)

There were three fraudulent quick-pay transactions via XXXX in my Chase checking account on XX/XX/XXXX. Two {$500.00} and one {$1000.00} unauthorized payments were made. We didn't receive the email or phone verification. We notified the bank right away after we identified those three unauthorized transactions. They froze my account and asked me to go to local branch in XXXX, DE which is the only one branch in the entire state. We were told that they should transfer my money from the hacked account to new account and give back {$2000.00} temporary credit to my account. But when we visited the branch, they only opened a new account but couldn't transfer the money. They said the old account had been frozen and they couldn't do anything. We were told that we have to wait to get the cashier check. We came back and waited for five days and called back. After transferring our call among different people for multiple rounds on the phone about one hour, we were directed to the local branch again. They told us the local branch should call the back office when we were there so that they can release the money and transfer to the new account. In addition, we didn't see the committed {$2000.00} temporary credit back to our account. This account had more than {$40000.00} deposit and was frozen for more than a week. Since I lost my online account access and even couldn't enroll a new user ID before they can complete the investigation, all my direct payment bills can't be made. I couldn't pay my mortgage either. I am afraid that I will be put on the late pay/30 days past due blacklist and thereby affect my credit scores not even mention the interests lost in my account. I am with the back more than 10 years and felt very frustrated for their fraud monitoring capability, slow problem solving, and crew 's lack of knowledge to solve the issue for their customers. P.S., I am very surprised how the U.S. biggest bank can't identify such fraud activities which had been noticed in 2018 and published on XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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: Orions Management Group, LLC (TX)

XXXX  is allowing Orions Management to report expired information to my credit report. The debt with the original creditor XXXX XXXX has already been written as a profit loss in 2016, the are still trying to collect a debt that they have already been compensated for. I initiated a dispute of the information being reported and XXXX not only did not do their due diligence, they are still reporting the expired information as accurate and updated. This has negatively impacted my credit profile and maimed my credit score.