davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I called Bank of America as I noticed I was being charged a $ XXXX   monthly maintenance fee on my personal checking account. The customer service rep advised that the fee was correct based on the type of account I had. He then retracted his statement to say that he provided the wrong information in error as they were using a new tool called XXXX XXXX. He then stated that based on the product I have theres certain criteria and thresholds to help avoid fees. One of the criteria was to maintain at least a {$2000.00} average daily balance in my savings account. There was several months of which I met this criteria, however Ive continued to be accessed with this {$14.00} fee for several years. The customer service rep proceeded to advise me that since I was just notifying them of the error that there was nothing I could do to be refunded for the bank error. I asked to speak with a supervisor and the representative advised that the only option was to request a callback. After insisting that a callback was not acceptable, the customer service rep returned to the call and stated I had the option to wait on a supervisor but the industry has moved away from that option asa whole. I then spoke with a supervisor after being on the phone for approximately 1 hour. My conversation with XXXX XXXX ( supervisor )  lasted for another hour. She assured me that the bank doesnt make errors and that I had not met the criteria. I requested that she pull my monthly statements as I was currently looking at them on the BOA app and it showed I had met the criteria for multiple months. She then downloaded the statements to see that I was correct. She placed me on hold and returned to agree to waive 6 months worth of fees as I had met the criteria however she advised it was still my error as my accounts werent linked based on a solutions based option that would have been offered to me years ago. I asked when was this offered and she stated the bank doesnt keep any documentation beyond 7 years. She then proceeded to say that I must dispute any fee errors within 60 fats of the errror and that they would only go back 1 year. I asked since I have fees in error dating back for more than 1 year, what could I do for a solution? She advised they dont go over internal bank policy with the customer so there was nothing she could do further.
Consumer complaint received 2019-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NC)

I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018? XXXX
Consumer complaint received 2023-06-30
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. (DC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance :
Consumer complaint received 2019-02-07
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: Central States Recovery, Inc. (TX)

Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas Area XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX 3 XX/XX/XXXX/XX/XX/XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both Feet  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 XXXX XXXX XXXX XXXX XXXX {$1500.00} 2 Central States {$190.00} 3 Central States {$610.00} 4 Central States {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of XXXX XXXX XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was  {$500.00}, Not {$1800.00} Thank You
Consumer complaint received 2019-02-08
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: Perfection Collection (FL)

There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (GA)

Everytime I get over to the customer service department for the Way2go program through XXXX theres a XXXX person on the phone and they allways discriminate against me and block my card. First they were saying I was given them the wrong info in which they blocked the card twice and I had to get them removed. Also I asked for a replacement card and dispute form and it never showed up. The incident happened where I called in to ask for another card and for the fee to be waived and somehow my card thats in the mail got blocked and my account is restricted once again. Its allways a XXXX person doing it. They once gave me the wrong fax number and all. I feel discriminated against and also I feel as if they are trying to block me from recovering my funds back to my card.
Consumer complaint received 2023-07-31
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: JPMORGAN CHASE & CO. (NY)

In XXXX upon finalizing a booking on united, a chase offer popped up on the screen : the offer was for {$250.00} statement credit after spending {$3000.00} on the card, and a XXXX mile bonus. but to my dismay, I noticed they only mention on the statement a XXXX promo miles. What transpired was countless hours on the phone ( as if I am supposed to fight for something that was clearly promised to me ) with agents who gave me the run around and only did me a whole favor that they escalated the claim. Shocking but not surprising, after their so called, major ethics breach investigation, they decided not to honor their contractual agreement with me ( why would they, if they can get away with it? ). worse, when I spoke to XXXX in the executive offices, I heard in his voice the stubbornness and indifference to my pleas that we had an agreement. Moreover, I sent them a copy of the screenshot that I took of the XXXX mileage offer, yet it didnt matter to them at all ; I was simply blown away with utter disgust with their blatant rejection to honor their promise by giving me some bs about a technical error on united airlines site. HELLO CHASE : HOW IN THE WORLD CAN YOU BE SO GRIDDY TO THE POINT WHERE U BELIEVE THAT YOUR LIES DONT EVEN HAVE TO MAKE SENSE ANY LONGER? Is this really how u welcome new customers? In what world do u live in? perhaps the world u live in is in chase universe where u do what suits ur needs just cuz ur name is chase? But let me ask u chase : what happens if I give u an excuse for making a late payment because there was a technical delay from the paying bank to transfer the funds, would u accept an excuse like this? U wouldnt in a million years. So why does a consumer like me have to buy your lies? U want me to believe that Uniteds website had an error? if thats the case, Uniteds business would be gone in a split second ; u would be able to get free tickets, if theres a glitch there. Clearly, the site had no issues ; the issue is with chase, having no obligation or desire to walk the walk and apply to my account the additional XXXX miles
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (CA)

Hello, I have recently attempted to contact Equifax, XXXX, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

Equifax : On XX/XX/XXXX I sent a letter to Equifax asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

XXXX  : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.
Consumer complaint received 2022-09-06
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (TX)

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-02-07
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)

I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- XXXX- Experian if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately
Consumer complaint received 2022-08-18
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (NV)

I received a call and letter from a company trying to collect a debt from me, originating from a company named " XXXX XXXX XXXX ''. I have never had nor entertained a home security system, however somehow, this company had my social security number, name and apparently ... forged my signature to complete a loan for someone other than me in a completely different state. Even though I stated to them on the phone that this is obvious fraud, they have reported to my credit reporting agencies and this is still unresolved. The company collecting this debt treated me very poorly.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2021 I missed a payment on my American Express card for my billing period of XX/XX/XXXX - XX/XX/XXXX. I paid the balance in full on XX/XX/2021 ( 2 days late ). I was charged a late payment fee of {$29.00} and interest of {$120.00}. I was charged an additional interest fee on my XXXX statement of {$110.00}. When I called, I was informed that this was trailing interest. Apparently as soon as the balance was paid on my XXXX statement, the remaining balance that I was incurring on my XXXX billing period became subject to interest. I was not informed that was the case as typically I can carry a balance as long as my statement balance is paid off. Therefore from XX/XX/XXXX - XX/XX/XXXX ( when I paid my statement balance in full on time ) I was charged interest on the balance. So, for 2 days late and 11 years as a card holder with on time payments, I incurred total fees and interest of {$260.00}. The late payment fee, interest on XXXX late payment, and 2 days of interest on the payment make sense to me. Starting interest accrual on XX/XX/XXXX without informing me, XXXX be company policy, but is abusive and excessive. For 2 days late I paid 2 MONTHS interest. 
Interactions with Amex - 1. Called and asked to waive- they waived the {$29.00} fee and explained to me the XXXX interest fee. I told them that I thought it was ridiculous to charge me 2 months of interest for 2 days late, but was informed it was company policy. I said that I would cancel my card and file a complaint. I was transferred to cancellations. 
2. Cancellations again explained the trailing interest to me and offered me a {$15.00} credit if I kept the account open. I declined. They offered me a {$75.00} credit if I kept the amount open, spent {$2500.00} in 90 days and kept it open for a year. I agreed, but in retrospect it seems that I lost and they won in this situation and leaves a bad taste in my mouth. I also spent an hour of my time on the phone. What a waste.
Consumer complaint received 2022-07-14
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. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance : {$67.00}
Consumer complaint received 2020-11-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (PA)

Applied for a loan with One Main for XXXX. Vehicle needed to be used for XXXX as collateral. The vehicle is sitting at a dealer since XXXX because it is not drivable. Explained to One Main and we paid XXXX to switch collateral to another vehicle and the other title would be sent to us to give to the dealer to sell. We have not received our title as of today XXXX. We called the XXXX and was told a lien is on both vehicles. I have contacted One Main with no success. Please help.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (CT)

I checked my credit report with XXXX based on information received from XXXX card. It showed that I had a delinquent account with XXXX XXXX in collection by an agency called AMSHERCOLLECTIONSERVICES # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX in amount of {$2000.00}, placed in collection XX/XX/XXXX. 
I disputed with XXXX that I do not have XXXX XXXX, have never received a bill from the collection agency. XXXX responded that investigation was complete and I owe the amount. File number with XXXX is XXXX ; date reported in XX/XX/XXXX. 

I had XXXX XXXX for about 3 months about 10 to 12 years ago, and account terminated because of reception problems, with XXXX balance due. 
I do not have bills or receipts because I have no business with XXXX XXXX nor Amsher Collection Services. 
I have not received a bill from XXXX XXXX since and never a letter or call from above collection agency.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I filed a complaint about two unauthorized transactions made on my Bank of America account, each for {$1000.00}. The money was sent to someone without my permission. I explained the fraud that occurred numerous times. I have been put in a loophole, getting told different things by different people from the same department. Both complaints were denied. I filed again on XX/XX/XXXX. I received a temporary credit for {$1000.00} after the tenth day for one of the charges. The other was denied. I took the {$1000.00} out of my account, which I no longer use. That account is now posting a balance of - {$1000.00}. When I filed a small claims dispute on XX/XX/XXXX, a few days later I was called by a Bank Of America representative. She stated she was waiting to receive details about my case. Eventually she called back days later and she very rudely stated that I was scammed and that I could not get my money back. This situation has caused me much financial, XXXX, and XXXX XXXX I have a set small claims court case on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number XXXX.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (MD)

It has been 30 days and Experian still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on my credit report.