davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a BofA " Premium Rewards '' credit card that includes a {$100.00} statement credit towards airline incidentals. The terms of are here https : //www.bankofamerica.com/credit-cards/terms-and-conditions/? XXXX & productoffercode=YE & locale=en_US **** XXXX XXXX XXXX XXXX. You are eligible for a statement credit of up to {$100.00} each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards credit card to pay all airline incidental fee transactions. 

... 

Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include : preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code ( XXXX ), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit : XXXX XXXX, XXXX XXXX, and XX/XX/XXXXXXXX XXXX. 

**** On XXXX XX/XX/2022, I charged {$30.00} x 2 for baggage on a flight from XXXX Nevada to XXXX California on " XXXX XXXX XXXX XXXX GA '', but was not re-imbursed for the charge. I contacted Bank of America, and they sent a letter that " XXXX XXXX '' was not on their approved list of airlines. However, there is no " approved '' list of airlines on the terms ; only a list of non-approved airlines " Purchases made with the following U.S. domestic airline carriers will not qualify for the Airline Incidental Statement Credit : XXXX XXXX, XXXX XXXX, andXX/XX/XXXX XXXX XXXX. '' I have spent 4 hours on 6 calls explaining the terms, the agents can only open tickets with the back office, but without successful resolution.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX manages payme to for this account through their Credit counseling services all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX  have reported adverse actions on my account.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Credit Counseling Service of the Midwest, Inc. (PA)

XXXX manages payme to for this account through their XXXXXXXX XXXX XXXX all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX have reported adverse actions on my account.
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EVERBANK, NATIONAL ASSOCIATION (TN)

I was charged for XXXX Return Deposit Item ( RDI ) fees of {$10.00} each totaling {$30.00} with Everbank ( acct # XXXX XXXX. I spoke with the bank in regards to the situation. They admitted it was their fault and I would be reimbursed for the {$30.00}. This did not occur ; the account was closed XX/XX/2016. I have attempted to call them several times and was told I would receive a call back from someone the next day after I had called. This never occurred after several calls made. If the RDI 's had truly been my error then I would gladly swallow the {$30.00} but they were not. The error occurred due to misinformation given to me by the financial institution.
Consumer complaint received 2024-02-13
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying at home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a police report, theft affidavit and identification XX/XX/2022 the I was a victim of identity theft. Per the FCRA 605B the bureus were to remove and block the fraudulent accounts within 4 days.They did not. If they are not willing to abide by the laws I will seek out legal counsel and go to small claims court. I do not understand why they would list a fraud alert but not remove the disputed accounts opened fraudulently.
Consumer complaint received 2018-07-04
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: Debt Recovery Solutions, LLC (GA)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX well as follows 1. XXXX twice, 2.  XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Debt Recovery {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JNR Adjustment Company, Inc (IL)

Greetings, I rented a car in XXXX for XXXX XXXX after 21 long years working for the XXXX. XXXX failed to include the blue chip discounts and other items included in the online quote. 

I disputed the charge with XXXX. XXXX is my credit card provider. I got a letter from XXXX saying the merchant XXXX XXXX, the owner of XXXX agreed to the reduction of charges so it would be the original amounted quoted with the blue chip discount. 

I got a random confusing letter from XXXX saying I still owned the entire amount, which I never disputed. I did not want the rental car for free, just the price I was qouted. 

Next this i get a letter I am in collection with some 3rd party in XXXX  for not paying for the rental car. 

I believe after 21 years of being a XXXX XXXX this is not right! 

As you recall, XXXX has a VERY VERY bad record of trying to destroy customers included minorities that have done nothing wrong, and did NOT steal rental cars.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX  Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 XXXX 60 XX/XX/XXXX90 XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (NY)

I am in the process of purchasing a home and this involves banks and mortgage lenders looking at my credit reports. I noticed a discrepancy between my Experian credit scorXXXX of XXXX versus those of XXXX of XXXX and XXXX of XXXX which were obtained on XX/XX/2022, in the attached report. 

I attempted to call Experian several times, but I only was met with voice recordings and was unable to reach a live representative. I also attempted to file a dispute on your website but when I attempted to do so, it requires me to identify a specific part of my credit report to dispute and upon review, there doesn't seem to be any delinquency, but this doesn't explain why then my credit score is XXXX. I attempted to file a dispute by sending a general email to Experian but was given a non-meaningful form response asking me to " start a new dispute online. '' The customer service by Experian from my perspective is poor and has a lot to be desired for. I should be able to easily either reach a live representative or submit this dispute online. 

I am requesting for an investigation for what may explain my credit score of XXXX, an inquiry of possible errors, and to have this resolved as soon as possible. I request for a written response and for a representative to call me at my phone number above.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I am writing to credit acceptance corporation to formally dispute a collection in the amount of {$4.00}, XXXX Date opened XX/XX/year> the validity of the debt collection notice I received from this agency regarding an auto loan. They are in violation of 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subiect to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a - Definitions ; rules of construction. I immediately began investigating the matter, as I have no recollection of this debt nor any agreement with the original creditor. After thorough examination of my records, I have not found any evidence of such an obligation. Please be advised that I am prepared to defend my rights and interests vigorously. Should you fail to provide the requested documentation or continue collection efforts without proper validation, I will not hesitate to seek legal counsel to protect my rights under the law.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

I filed a dispute with chime my account was hacked and XXXX of mine was used on XX/XX/XXXX I received a email stating chime was closing my account I had XXXX in my checking account and the account got closed Now I have no idea where my Money is or how I will receive it back along with the XXXX that was used without my authorization
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (MN)

Choose according to account type. These can be combined 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 2022-07-01
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: CURO Intermediate Holdings (NV)

I received a certified mail was received on XX/XX/22 by XXXX XXXX XXXX XXXX requesting validation of debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to such medical record. In accordance with Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-08-23
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. (TX)

I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I was advised by Chase that on Monday XX/XX/2021 XXXX XXXX XXXX XXXX, my credit card was used at several department stores in XXXX XXXX for XXXX {$1200.00}. Through many attempts of speaking with Chase representatives ( including their corporate office ), I am being told that they have investigated this incident and will leave the fraudulent charges on my account for me to pay. As you can imagine, I am very upset being a victim of fraud and to be told by the company who should be protecting me that I benefited from the charges. I was at work, I supplied them with my timesheet, receipt from my lunch that say and a receipt from the car dealership that same afternoon showing i was in XXXX. I am still in disbelief so I wanted to pursue this investigation on my own. Im attaching my saved location services showing I was at work!
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have requested the method of Verification from Transunion and they refuse to send the method of verification for a Chapter XXXX Bankruptcy. I enclosed the letter from the court system that states they do not provide information to the Credit Bureaus.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

A pre-order ( group-buy ) purchase was made from XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$280.00}, and on XX/XX/XXXX in the amount of {$210.00}. The company became increasingly scarce in its response with its customers around XXXX, then filed for dissolution on XX/XX/XXXX with no notice. I tried to reach out to XXXX XXXX via several different platforms, but was met with no response. Ultimately the customers were left in the dark ; the above projects were never completed, and the products were never delivered. 

I attempted to contact my financial institution Chase Bank regarding a chargeback. Initially they granted temporary credit, but was promptly reversed inso stating the request had passed the 120 day period to request a chargeback. I tried to explain to them that due to the nature of the purchase, there was no possible way to request a chargeback within that time frame. XXXX XXXX operate on a XXXX XXXX XXXX, where money is paid up front which is then used to pay the manufacturer to create the final product. These projects normally take XXXX years for completion. These style purchases are normally conducted in good faith in relation to the hobbyist community, so instances like these are far and few in between. Moreover I had purchased from XXXX XXXX in the past, so I had very little reason to believe they would do this. 

Despite all this, Chase continued to maintain their 120 day policy -- repeated calls to different agents were met with immediate denial and refusal to take additional documentation. Furthermore, it makes little sense that Chase would even entertain issuing temporary credit if that were the case -- it was clear that the purchase was made over a year ago.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (IL)

N Accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX service Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXf XXXX Account XXXX XXXX XXXX XXXX of XXXX Account XXXX XXXX XXXX XXXX of XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I received a loan in the amount {$10000.00} from NetCredit in XX/XX/2019. I make bi-weekly payments in the amount of {$240.00} ( {$480.00} monthly ). I noticed that my balance was not reflecting the amount of money I had repaid into the loan. I called NetCredit to see if there was an issue with their reporting. I was shocked to learn that the APR attached to my loan was 59 %, which I dispute. I logged into the online account and see no reporting of the APR with my account. Had I not called I would not have known. I consider this to be predatory lending. I asked if the loan could be restructured since I was not in agreement with the high APR and they said it was nothing I could do. 

I'm seeking help with this matter because I feel there are others that have been taken advantage of and will not know to call and inquire.