davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

XXXX XXXX with XXXX XXXX XXXX called and said that he could get us a revolving line of credit for our business for XXXX. XXXX XXXX with XXXX XXXX was on the three way call confirming this. he just needed a surety bond so he was protected. to get the surety bond we had to boost our credit with a 10k loan from XXXX XXXX XXXX. we would pay back XXXX and 2k of fees came out of the 10k. ( total out of pocket was XXXX ) we signed a contract stating that in the event that the buyer ( XXXX XXXX XXXX XXXX XXXX ) backed out of the revolving credit that we would get the money back from the loan of 10k ( loan was from XXXX XXXX funding ). They did the loan and ran. Wont answer me. stole our money. and took more money from our account than what the contract stated, Now our bank is negative, lights are shut off at our house, no money to eat, and Bank of America ( my bank ) just puts us on hold for hours HOURS each day. we stay on the phone with them trying to recover just the part that wasnt ever authorized ( 2 payments of {$590.00} ) they transfer us from dept to dept make us re-submit paperwork ( literally because of an ink blot on the bottom of the page ). We NEVER AUTHORIZED the ACH withdrawals of XXXX on the XXXX and XXXX of XXXX. They have said its expedited. Now they say we have to start all over because of an ink blot on the bottom of the page ( you can barely even see it and its literally no where near any part of the page they need ). We NEED YOUR HELP!!!!! WE HAVE NO MONEY TO EAT!!! OUR LIGHTS JUST GOT SHUT OFF YESTERDAY!!! ITS COLD!!! I have the loan paperwork. The pay of letter all kinds of stuff. Please help us. Im begging you. We are COLD. We have NO money. Bank of America wont give us the money that was STOLEN from us. Please dont just pass this off. Please at least call me, if I dont answer its because the phone is in my car charging because we have no electricity. I will call you back if you leave a number.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On Monday XXXX XXXX XXXX I contacted COLUMBIA DEBT RECOVERY LLC DBA GENESIS on a recorded line, to set up a payment plan for the outstanding balance XXXX owed to a previous XXXX XXXX XXXX This was supposed to be paid off by XXXX XXXX but I have no update from them about assistance with this. I contacted Genesis to set up a payment plan as this is now affecting my credit and ability to find a new home. When I attempted to ask if I can begin the payment plan on a specific date, the representative XXXX XXXX began to get very confrontational and rude in his response. He told me that I had no room to make any decisions at this point. In the midst of this, he began to speak over me and scream that I need to pay. He also stated either youre going to pay us or were going to come after you. I simply informed him his demeanor was very unprofessional and he did not need to yell and be disrespectful in the way that he was presenting himself. This entire interaction was very uncomfortable from beginning to end, and when I asked to speak to another representative he stated in a very hostile manner that there was no one else to speak to. I called on my own regard to begin taking care of this debt, so for XXXX XXXX to be so combative and argumentative was completely unnecessary. I would like to see some type of action take place because this is completely unacceptable.
Consumer complaint received 2022-05-04
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (CO)

My daughter received a phone call XXXX XXXX and my daughter was very upset after a strange woman calls and asked for her dads address, where he works, phone number to be reached, her relationship to me. Completely unprofessional and disrespectful. I have also asked her NOT to call me and the very next day at XXXX she calls again.
Consumer complaint received 2018-12-05
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. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Exprian and XXXX XXXX with no successful resolution. XXXX XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Consumer complaint received 2022-03-01
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-18
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: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase bank uses XXXX XXXX, which using the scoring system of XXXX with XXXX. My XXXX XXXX credit score dropped 34 points and stated I used for the month of XXXX  83 % of my credit available, which is from my total credit for the month of XXXX. This is false and I have the receipts to prove it. I used 22 % of my credit line and XXXX XXXX using the reporting bureau XXXX using the XXXX scoring model is awful. I called Chase Bank in regards to the problem I have with this entity they are partnered with, and explained my frustrations. Chase Bank representative forwarded my call to a automated service with no luck. Called Chase again. I filed a verbal complaint. that the entity they are using has an oppressed algorithm. I was deferred to talk to XXXX. I called XXXX, XXXX rep informed me that they only use XXXX scoring and it will take 10-15 days to obtain a XXXX reading if I request one. I confirmed with XXXX, they only use XXXX scoring for their customers. So with this attempt to follow up with CHASE bank and contact XXXX XXXX, which has no contact phone number. I resorted to reporting both JP MORGAN CHASE BANK and XXXX XXXX. Reason for this complaint is that a CORPORATE BANK ( CHASE ) uses an oppressive scoring system with a fraudulent algorithm to suppress responsible patrons, who have CHASE BANK accounts from obtaining good credit scoring. I think it's irresponsible and controlling for a large corporate banking system to use a credit card entity, which oppresses responsible individuals from obtaining a good credit score that is earned with financially responsible means. Both CHASE bank and XXXX XXXX are responsible for this unsettling credit reporting flaw with a bias algorithm. I filed a verbal complaint with XXXX and CHASE Bank. If I use 22 % of your credit available and have 34 points subtracted from your credit score based on a false claim that 83 % of my credit has my used under the false pretense to OPPRESS a patron. That is morally wrong. 

I am reporting CREDIT JOURNEY AND CHASE BANK. This is absurd and inaccurate. 
I know my rights and if CHASE BANK doesn't address this oppressive credit score algorithm, I will take this to Federal Court and sue CHASE and XXXX XXXX for defamation of character and falsifying my credit report. People in the middle class do not get out of the middle class because of oppressive acts like this but I am not the middle class individual to accept such actions from a entity run by a rigged algorithm...
Consumer complaint received 2022-06-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-08-28
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. (SC)

On XX/XX/2019 I sent Transunion a method of verification letter for explanation of accounts they supposedly had verified. However, they did not respond to my request
Consumer complaint received 2021-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

I received a promotion from Citibank last XXXX. If you opened a new savings account and maintained a certain balance for 60 consecutive days, the bank would pay {$100.00} to your new account within 90 days of fulfilling all the obligations. I opened the account in XX/XX/2021, and the 60 days were up on XX/XX/2021. I waited the full 90 days, but never received the {$100.00}. I contacted the bank on XX/XX/XXXX to find out what happened. The bank acknowledged that I fulfilled all the obligations but told me that the {$100.00} bonus would not be paid until XX/XX/XXXX. I told them that date is beyond the 90 days, as XX/XX/XXXX would be 120 days. They said " we can do nothing about it. '' This is a perfect example of bait and switch. They lured me with the promotion but are violating their own rules about paying the bonus. Banks must not be allowed to get away with such fraud. In this case, I would like the bank to pay me my {$100.00} promotion immediately. In addition, the bank should be assessed a {$100.00} penalty fee payable to me for their duplicity and the XXXX  and XXXX I have endured.
Consumer complaint received 2020-12-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/2020, an authorized deduction was taken from my Bank of America checking account in the amount of {$1400.00}. I filed a fraud claim with Bank of America and after their investigation, they determined this was a fraudulent transaction and they credited my account back the full {$1400.00}. I was advised to check my credit reports and after doing so, I found that Bank Of America was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX  data breach, in which all of my personal, financial and electronic data had been stolen. I also received letters from debt collectors for the Bank of America account. A dispute letter was sent to both the collection agency and Bank Of America advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the Bank of America account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the fraudulent charges. Then in XX/XX/2020, I again had an unauthorized fraudulent deduction from my Bank of America card which again they investigated, found to be fraudulent and credited my account back the money. Bank of America is completely aware that my identity was stolen and that fraudulent charges were being made against my account, however they are doing nothing to correct my credit report, validate the charges or show my liability for the amount of the charges and now are in the process of suing me. I never received any type of correspondence from them advising me of charges to my account and I never received any bank statements because they had me on paperless. I have no reason to check my paperless statements as a believed my account was current and paid in full.
Consumer complaint received 2022-06-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without written instructions.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2022-06-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without written instructions.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

XX/XX/21 Disputed transactions unauth thru chime. There were XXXX transactions. They claim provisional credit can not be issued because some of the transactions within the claim are older than 60 days. The last statement which contained the first notice of the charges was XX/XX/XXXX at that point everything moving forward from XX/XX/XXXX should be eligible for provisional credit they are claiming because there are some transactions older than 60 days as of the date of my filing none of these are issued for provisional credit I asked then to split up the dispute for the ones older than 60 days and the ones newer than 60 days they have refused to do this I have quoted regulation e and they refuse to do anything further with this process except give out blanket emails and read a robotic statement on their computer
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unauthorized transactions were made on my account from after XX/XX/XXXX for amount of 4,900i submitted police reports and updates on my case and there being a suspect arrested on this and Ive sent several pictures along with detectives information and screenshots of my house/incident of what has been going on stolen property and vandalized and showing that the suspect arrested had access to my belongings without no autorizarion from me to be anywhere near my belongings these pictures Ive sent show my house vandalized show the police report about stolen personal information and showing that these criminals have been breaking in and had a hold of my personal informtation ive done everything I can to provide proof and my claim gets denied, also they been back n forth one rep tells me something then the next rep tells me something else The calls have been recorded so being able to hear those calls can demostrare how misinformation and saying Im expected a deposit and then after I receive nothing also the confusion on the bank part saying a female saying she was me called saying her XXXX son made the transactions theres no way I would have called to say that so they got it all confused Ive ran out of patience as this has been over a long time Ive sent all the information possible to help this Ive asked for the documentation on what they based there decision on and never received it till this day
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account. 



This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

XX/XX/2019 Creditor XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Amount of Debt {$820.00} Reference Number XXXX ERC XXXX. XXXX XXXX XXXX, FL XXXX I don't recognize this account. Someone stole my identity. I have never open this account.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NE)

MCM has called me 11 times in the last week and I've told them to stop contacting me. This is for a debt I do not recognize and I continue to block the number, however, they robocall from a different number daily.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (AZ)

Unauthorized inquiries have appeared on my credit by these creditors : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have discovered some inaccurate information on my credit report. Therefore, On XX/XX/2020 I requested an explanation or an investigation from the credit bureau for inaccurate information listed on the letter. After months waiting, I have not been provided with any information about from the credit bureaus. And I would like an update on my credit within 30 business days.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I was informed that my Regions credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.
Consumer complaint received 2020-01-31
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: EQUIFAX, INC. (TX)

I checked my credit yesterday and today as well. Since speaking with XXXX XXXX XXXX XXXX to pay a balance, my credit score dropped 7 points. It dropped due to old accounts reappearing that were taken off, because they were inaccurate and disputed. One account should not have been submitted which is pathology ; which I am still paying on. I attached photos from XXXX XXXX and pathology. I think it may be my mother or my older brother. They both have an account at XXXX XXXX. But, Someone is illegally making false reportings to my credit which has been going on for years. I could use your help in this matter once again.