davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2023 my friend XXXX XXXX transferred two sums of money to my Chase bank through XXXX one of which was XXXXXXXX XXXX and the other was XXXX XXXX. But Chase Bank suddenly froze my account, saying my friend had filed a dispute. My friend and I are both from Chase Bank. During this period, I also called, and the customer service told me that this case was closed. The {$2000.00} will still be in my account. But when I unlocked the Chase bank account, I found that the money was still in dispute on XX/XX/XXXX. But my friend never received a refund. She went to Chase Bank and kept saying she couldn't dispute the money. I went to Chase Bank XXXX XXXX MA ) five times and got a different answer each time. One moment I said that Chase Bank held the money, another moment I said that I had returned the money to my friend 's account on XXXX bank said that it had called me to confirm the money, and my reply was that the money should be returned to my friend, but I never received a call from the chase bank. Now this {$2000.00}, Chase bank said not to disclose customer service information, my friend went to Chase bank can not find this refund.
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I had XXXX  XXXX in XXXX of this year, and went back to work on light duty in XXXX and being on XXXX the paycheck was decreased but the loan was covered until XXXX. Due to bills being behind and I have not being able to work extra due to light duty, and just discovered another health issues that has also being hinder me from working extra since I am back on full duty since XX/XX/XXXX. I have talked to them they could not do another loan because I did one already, due to health issues earlier. They called my job 3 times, They are calling on Sundays. They are calling 3 to four times a day. When I try to explain they are just telling me what I need to do, I have spoken with a miss XXXX and she has left messages on my jobs and I have asked them not to call my job, I have stopped answering my phone, because they are aggressive and I have a XXXX XXXX and I am not allowing them to upset me. I do realize I owe this loan, but if they would be patience I can resume making payment next year XX/XX/XXXX. some dates are XX/XX/XXXX @ XXXX & XXXX XXXX XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX XXXX XX/XX/XXXX @ XXXX, XXXX, XXXX @ XXXX this a just some of the times and you can clearly see XX/XX/XXXX and XXXX is the weekends
Consumer complaint received 2024-02-08
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. (LA)

In accordance with the fair Credit Report act XXXX XXXX # XXXX ( XXXXXXXX XXXX XXXXXXXX ) & Account # XXXX ( XXXX XXXX XXXX XXXX ), has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

16 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
Consumer complaint received 2024-02-08
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. (GA)

In accordance with the Fair Credit Reporting act. XXXX & XXXX and 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 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 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 2019-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CreditNinja Lending, LLC (SC)

I entered into a payment agreement with company after I filed a previous dispute for its lack of transparency and fraud in how it handled my account. Despite my upholding all parts of my agreement, the company is reporting my account in a negative manner. My account is current per the agreement entered into and always has been. This negative reporting must be removed.
Consumer complaint received 2024-02-08
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. (NY)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TN)

All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for XXXX XXXX thier private email messaging system is so they can hide the truth and not investigate anything.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (CA)

I have never used XXXX  and i received a payment collection from Source RM for {$370.00}. 

I called XXXX and there is no active account under my name.I am suspecting this could be a result of my identity theft happened on XX/XX/2018 2018
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I tried pulling out my credit score from 3 credit bureaus and two companies show my credits scores ( XXXX  and XXXX ) but Equifax does not show anything, and it shows to call their number whenever I try to log on with my credentials ( attached the screenshot ). But even after inputting my social security information and everything they just kept saying they do not have my record. They should also have the record since 2 other companies have been updating my score.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I  hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019 I called all 3 credit bureaus ( transunion, XXXX, XXXX  ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2019 I called all 3 credit bureaus ( XXXX, XXXX, Experian ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (AR)

This is I think the 7th debt collection agency working for XXXX XXXX. I have never had an account with XXXX and I am constantly being harassed by these people. This letter says they have verified this debt is mine.How is that?? This has been going on for 5 years now. No one has yet to send me a copy of a contract, no copy of my drivers license. I want to sue for harassment. NO ONE HAS SENT ME PROOF OF THIS DEBT AND I AM CONSTANTLY BEING HARASSED. THIS IS NOT MY DEBT!
Consumer complaint received 2019-09-13
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. (NY)

The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made onXX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXXXXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (FL)

Payment is less than 30 days late. Ally financial calls me 3 times a day every single day demanding immediate payment. One payment due. 19 days late. Calls start at 5 days late and never stop no matter how many times I tell them they will have their money before the next payment is due. No payment has been 30 days late.
Consumer complaint received 2018-12-26
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. (AL)

I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX  XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.Experian has XXXX XXXX, XXXX XXXX, XXXX XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.
Consumer complaint received 2019-09-13
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: CITIBANK, N.A. (WI)

signed up for the Citi/AAdvantage Platinum Select World Elite Mastercard and was approved on XX/XX/XXXX. During this time, they were running a promotion for XXXX bonus miles when you spend {$3000.00} or more in the first three months. This is the reason I applied for this card. I met my minimum spend and was only given XXXX bonus miles. I chatted with a customer service agent through the website on XX/XX/XXXX and was informed that I need to provide them with proof of this offer. How can I do so when the offer was online and I applied online? None of their subsequent communication provides any information on this offer. If I look up their historical information online, I find the dates of the offer to match what I believe was correct. XXXX XXXX XXXX However, they are refusing to look it up in their own system what the historical offer was at that time. I find this to be predatory and flat out lying to your customers. 

I filed a complaint with the XXXX. I received a call from Citi stating since I applied online, they can not honor the promotion. There are several websites that show this promotion was valid during this time period. They refuse to honor it. This is fraudulent.
Consumer complaint received 2019-09-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased an item from a merchant which was not delivered as described. I asked the merchant to return the item and they provided me with instructions. I followed those instructions, but the merchant stopped communicating with me. After several attempts, I disputed the charge. 

Capital One took my complaint, but even with written evidence of this in an email chain, they would not resolve the complaint and asked me to take unreasonable measures such as spending a lengthy amount of time on the phone ( over XXXX minutes ) and seeking a second company to provide an opinion on the matter. 

The agent from Capital One who wasted my time and was unable to process this matter was XXXX ( XXXX ).
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/1919 I made a teller deposit at the Bank of America at XXXX XXXX XXXX at XXXX XXXX for {$970.00} dollars ( {$520.00} in cash the rest in checks ). They always count the money, sometimes twice using the auto counter. They gave me a receipt for {$970.00}, A day later they sent me a notice that there was a " currency shortage '' and deducted {$300.00} from my account, which hurt me considerably. At XXXX years of age, like many others, I live from pay check to paycheck. This was a huge blow. 

I went to two different banks to get it settled and presented my copy of the receipt for the money deposited and a deposit slip they photographed and placed on my web sight. They talked to me about how it might have happened, including one who said they video taped each transaction. They sounded as if it would be no problem to figure out. The first was the branch at XXXX XXXX XXXX and the second at the address shown above. They all seemed interested in resolving this matter and then it just tapered off - no further response from either branch and none of them answered either by e-mail ( XXXX XXXX XXXX ) ) or messages I left on the answering machined ( XXXX XXXX XXXX ). Both branches had explanations of a probable cause but did not return advise me of their findings or return the money to my account.
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Old debt from XXXX, that I acknowledge with Capital One. Made arrangements to pay collection attorney. After several payments on XXXX XXXX XXXX web portal to pay were made. I started receiving letters that payments were declined. This was impossible since I paid from my personal checking account that had funds to cover bills specifically. Called several times, nothing. Pretty much told it was my fault. I called XXXX XXXX XXXX  to confirm that it wasn't a problem on my end. They confirmed their was no history on the dates I made payments on XXXX portal even though I had a receipt. Meanwhile the balance is remaining large. They sent settlement letters with higher amounts. I retained a lawyer in hopes of agreeing to a reasonable amount I can afford and was basically told No. I am able to pay no more than {$600.00}, and consider paid in full. With the expectation of updating to this status with ALL 3 credit bureaus. As well as receive documentation of this arrangement. Paid in full at no more than {$600.00}.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my report.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2019-09-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

This is an Apartment lease, not a Mortgage, but mortgage was similar to Apartment in the option box. 
This third party keep calling me about an alleged debt I have with them. I wrote them requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : Validation of the alleged debt ( the actual accounting ) ; Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; & A copy of the contract signed by both parties and therefore binding both parties. 
They threatening to impugn my reputation by publishing derogatory Information about them on my credit report and now my credit is ruined. 
I was misinformed according to Contract Law & there was no Valuable Consideration given by all parties. 
P.s. this constitutes wire fraud, because they claim I owe a delinquent payment. I was contacted via telephone, by them requesting a payment.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (VA)

I do not owe any medical debt whatsoever. 
Because my My medical Insurance covered 100 %. 
National Recovery Agency do not even disclose who is the Dr. when was the date and what treatment has been taken. 
So, it is nothing to do with me. 
Please stop and cease immediately fraudulent collection activity.
Consumer complaint received 2024-02-08
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)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2022-04-26
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.