davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (LA)

This is my 3rd dispute against Diversified Consultant Inc ( DCI ) account number XXXX in the amount of {$460.00}. I contacted you the CFPB to get them to take this fraudalent account off my XXXX and XXXX credit reports! Well they will take it off one and put it back on another! They have not sent me any information regarding this account and my right to dispute or provided any verification of the debt belongs to me! As I stated in my previous complaints, I 've never authorized anyone to use my identity and I have lived at my current address 2 years! It says on my report that the debt was open XXXX XXXX, 2017. If it was open or closed that day, it 's not my debt to pay! 
They are playing this game that they will take it off my report and then report it again after I 've disputed it with you and the credit bureaus! They 've just recently placed it on my XXXX report after my dispute! I am willing to take farther legal actions against them and the credit bureaus because this debt is not my debt! I do n't think this is a game and it burns me up to know they are taking this as a joke!
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

I am unhappy and seldom a user of Chase 's credit card. 3 years ago, they left me on my own and allowed a dentist to take {$4500.00} of my money without fulfilling their responsibility and fixing what they charged me for. After that time I stopped using Chase card altogether but I was told if I close the account it would impact my credit score negatively so I held on to the card. 

Last XXXX, I made a reservation for a group of friends for a XXXX XXXX trip that due to large bill size I had to split the cost into two credit cards ; one was a Chase bank credit card. Due to recent Covid events in XXXX that impacted almost all of the people in my party we decided to cancel the trip. The portion of refund in my Chase credit card was {$12000.00}. I contacted the credit card 's customer support on the XXXX of XX/XX/XXXX and was told the request was noted and I would get an email within 24 hours. After 48 hours I did not get any emails. 

When I called to check on the XXXX of XX/XX/XXXX, the agent told me that the request is in process and I would get a response with 24 hours. Again no email was received after 4 days. I called back and tried to talk to a supervisor on the XXXX of XX/XX/XXXX and all I found out my request is dated the XXXX of XXXX and not the XXXX. Also, the only help I was given was a mailing address and a Fax number. in XXXX where everything is instantaneous and electronic I was given options more suitable to XXXX. 

Over and beyond, I was told that they would send my money by check which usually takes 7 to 10 business days and naturally another 3 business days to be cashed into my checking account.

This is a daylight robbery from thousands of people like me who have a negative balance where Chase is profiting illegally. On their own website, they publish the rate they are charging others for my money is ( https : //www.chase.comXXXX ) is 0.0308 % /day which adds up to {$3.00} a day or {$110.00} a month.
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (FL)

This company is calling my parents, my children, my brother & past residences searching for me. I have no idea what this company wants with me. I 've tried to contact them, with out any success. If they would leave a clear vociemail, I would call them back.
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan C. Frank & Associates, LLC (TX)

I have received several calls back to back from the same company saying they are going to send me to court for debt. The calls started on XXXX XXXX, 2016. They left a threatening voicemail to send me to court. The next day, the same lady that was on the voicemail called me 4 times back to back and I answered and asked that she please leave a voicemail and stop calling me. She says " I 'm gon na keep calling you until you pay this debt! So hang up so I can continue calling. '' The only reason why I have n't received any more calls is because I blocked the number on my phone. I then called to speak to the supervisor and he was rude saying " Well if you answered and paid your debt, she would n't keep calling you. '' I then told him that harassment is against the law and his associate was harassing me. He said " Well since you wan na report me, I 'm gon na go ahead and send you to court. We do n't care about a harassment charge. You should just pay us. '' I then hung up and proceeded to report them.
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an account without my written instructions.
Consumer complaint received 2022-01-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I'M HAVING A DIFFICULT TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT ON MY CREDIT REPORT.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

On XXXX, Home Depot advertised a discount for opening one of their consumer credit cards based on total purchase price. The consumer card is issued by Citibank. To get that discount, they provided a code to use at checkout to obtain the discount, after you signed up for the credit card. I placed an online order for a toolkit which also came with a " free '' tool. During checkout, I entered the discount and the discount appeared, lowering the total by {$50.00} as expected. I checked out using the credit card I was just approved for. Immediately after submitting the purchase, the final receipt that was displayed had the discount removed and the full amount was charged to the credit card. I immediately called the phone number provided for the account center and was told, the discount will appear as a statement credit on the credit card. 

When the first statement did not include the credit, I contacted them via the credit card secure message system on XXXX. I received a boiler plate response which did not address my specific issue. I immediately responded that it did not address the issue. The next response said the credit may take up to 2 billing cycles, if it does show up after that, contact customer service. The next statement did not show the credit and I contacted them via the secure message system on XXXX. They responded my request has been received and forwarded for review and I should feel free to check back in a few days. 

On XXXX, I still had not heard back. I sent another message but instead of waiting for the response which was likely to blow off the matter again, I called. The representative contacted some other department and finally explained, the purchase had another discount which voided the offer. I explained, again, how the discount showed at checkout, then was removed when I submitted the order. I called, was told it will show up as a statement credit. Two months after the purchase, I am told the discount I was given for opening the credit is no good because the item I purchased had a free item included which appears as a discount on the order. In that case, the checkout system should not have accepted the discount code. When I called with my concern about the order, I should not have been told it would show up as a statement credit.
Consumer complaint received 2023-09-13
Product: Credit reporting 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)

XXXX 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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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.
Consumer complaint received 2021-05-17
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: The Best Service Co.,Inc (CA)

This is not mine. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX BEST SERVICE COMPAN Account Number : Please remove it from my credit report.
Consumer complaint received 2023-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (NJ)

I have {$11.00} balance in my XXXX  account ( XXXX  account email XXXX ). XXXX permanently limited my account so I can not withdraw this {$11.00} to my bank account, nor can I request a check. I contacted XXXX and was told my account has been permanently limited so nothing I can do to get the {$11.00} in mu account.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

Community Loan Servicing my mortgate provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative that on XX/XX/XXXX Community loan servicing sent letters to XXXX credit bearou to remove incorrect information.I talked to XXXX representaive on XX/XX/XXXX and he could not confirm that any disputes were associated by lender. 
I attached copy of the forbiddance plan.
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. has violated my rights. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXXl Account # XXXX Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX-XXXX Account name : XXXX XXXX XXXX Account # 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.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (WA)

On XX/XX/XXXX I purchased an engagement ring from XXXX XXXX for {$5000.00}. My debit card was declined, so I called Ally Bank. Ally advised me that they removed the block and to go ahead and retry the card. The card declined again and Ally advised me to retry it again for {$4900.00}. This repeated several times until a transaction eventually went through for {$4900.00}.

On May 17th I noticed that 6 duplicate transactions went through for this purchase. 1 was the last one that went through, 1 was automatically reversed by the merchant, and 4 were uncorrected duplicates. Of the 4 uncorrected duplicates, 2 were for {$4900.00} and 2 were for {$5000.00}. These totaled {$19000.00} in uncorrected duplicate charges, overdrafting my account.

I called Ally to have this corrected and they advised me that the dispute process would take 10 days after which I " may '' be awarded provisional credits. I advised them that I could not afford to be short {$19000.00} for two weeks, but they said they couldn't help me. They advised that the merchant couldn't help me either since this was a bank error, not a merchant error. Why can they not grant me a provisional credit when they know it's their error?
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am here to write this letter to inform you about a fraud that has happened to me. Firstly, the people called me about how my XXXX account was hacked and was red flagged. They told me that they were from the XXXX support team. Due to the fact that my bank information was connected to my XXXX account ( aka XXXX XXXX ) I began to raise concern for this issue. Then, they told me to download the team support quick share app so that they can see my screen and help me solve the problem. After that they made me go into my phone setting where they saw all my information like IP address and my phone serial numbers. When my screen was shared with them, they had me go into the Bank of America app to do multiple XXXX transactions and Im pretty sure they froze my screen since they asked me to hold a long pause while I was in the app. I also noticed that the money in my bank account did not make sense as money was going from my savings into my checkings and checkings back into my savings. Then they asked me to go to my email that has the fraud alerts sent out by Bank of America and they asked me again to hold for a long period of time. Based on that I concluded that they have the ability to control my screen and take action on their part. After going through my email, they asked me to go on XXXX XXXX and replace my card information for theirs and tried to begin certain transactions saying how those are dummy accounts to test something. I refused to do so but as they now have my XXXX information, they did the transactions themselves. I then decided to call Bank of America and get this situated after realizing its a fraud. I then took all of my money back out of XXXX so that they wont take any more money out of my XXXX account. The total amount taken from me was {$7400.00} on the day of XX/XX/2020. I called my bank many many times and they did not help me solve this issue and kept blaming it back on me saying it is my fault. I had no knowledge that this whole situation that happened was a fraud at the time of this incident. All I thought was that those people are from XXXX support, that was why I cooperated, otherwise, I wouldn't have.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

To make a long story shorter, Citi has been charging us late payment fees since like the first month we opened the XXXX account. We asked them to change to due date to the middle of the month. They haven't changed the due date and continue to charge us late fees. I have never come across a company so pathetic with their fees! EVER! We want ALL late fees credited to us or not be surprised when I stop paying them altogether. I will simply stop paying.
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX AWA collections started collecting for an already previously indicated fraudulent account. 
The same information was reported to the credit report on XX/XX/XXXX. This is a clear violation of the fair debit reporting act. Had this company notified me prior to placing this account on my credit, they were received the documents necessary to remove this account from their system as a fraudulent account. This is a clear violation of : 15 USC 1692g sec 809 Fair debit collection practice act. 

The information that AWA is trying to collect for was already removed from the credit report from a previous collection agency trying to collect on the same debt. That debt was deemed a fraudulent debt it was probably removed from my credit report. AWA was notified on XX/XX/XXXX from me as well as XXXX of this error and made no action to correct it. This is a clear violation of section 15 U.S.C. SS 1681i Of the fair debit collection practice act. 

AWA collections then started feeding me false and in accurate information. Id ask for the fraud department and I received no way or means of contacting this department. I was told that a supervisor will return my calls the very next day who deals with these issues. That was on XX/XX/XXXX. Unfortunately no call was ever placed in response back to me as of todays date. 
This is a violation of 15U.S.C.1692e SS 807 false or misleading representation. 

AWA collections was given prior notice of this debt being a fraudulent account by XXXX and by myself. This information was given immediately following the original reporting of this debt by AWA collections on XX/XX/XXXX. AWA collections failed to sis collection of this debt after been notified prior that this is a fraudulent account. Fair to do that violates section 15U.S.C.1692F subsection 809 ( a ) ( 4 ) ( b ) Validation of debts.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is with Bank of America. There was an existing balance of {$65.00} that was in dispute. Bank of America closed that dispute without notifying me of this action. This dispute was at least 18 months old. I did not pay that amount because I assumed it was still in dispute. B of A reported my account 60 days past due and charged various service and late fees. I sent an email to the Director of customer relations at Bank of America located at their corporate headquarters. ( Please see attached Word document ) I received a call from an assistant Informing me that there was nothing they would do to resolve my issue and that they would continue to report the account past due. I had no other choice than to pay the {$65.00} so that my FICO score would not continue to plummet. My credit rating was XXXX prior to Bank of America initiating these actions. My FICO score has dropped by more than 100 points. I have never experienced this type of treatment by a credit card Issuing company. I consider their actions fraudulent and unethical. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-27
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. (TX)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-01-27
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. (VA)

Hello, I have new information in regards to Transunion to follow federal law. I have sent multiple notices to Transunion making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.
Consumer complaint received 2023-07-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (PA)

This is a formal notice to the consumer financial protection bureau requesting that Bridecrest provides an explanation of how I can exercise the nondisclosure option of sharing nonpublic personal information with a nonaffiliated third party
Consumer complaint received 2022-01-27
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. (NC)

I have not authorized anyone to access my credit report. These companies accessed and used my information without my consent. Send me a proof that I authorized this entries or else remove it from my credit report.