davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I bank with bank of america i filed a dispute regarding a {$100.00} payment from my debit card, I NEVER GOT THE ITEMM! I called and filed a dispute right away. 5 days later the claim has been " resolved '' and I didnt get my money back. I had contacted the merchant before all this and they declined my refund.
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I notified this company about an item being reported on my credit report. I sent the attached letter asking them to please remove this item from all my credit reports. They have not responded. I would like then to remove this unknown account from my credit report.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (SC)

I have been filing disputes with the credit companies as well as with the company itself in regards to CNAC attempting to sabatoge my credit standing by re-aging a debt. I have pulled all three of my credit reports multiple times this year, and they are reporting a different date for the last payment to each different credit company. When I reach out to anyone, they all keep saying the account information is accurate. How can it be accurate if you are reporting something three different ways? I am prepared to seek legal action if this account can not or will not be removed from all of my reports. This is blatant disregard of the law. Re-aging debt, as listed under the Fair Credit Reporting Act is illegal.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Chase is reporting lates for XX/XX/21 on a couple accounts. Due to the unforeseen events with Covid 19 my employer was affected and therefore I was as well. My hours have been cut, and I have been barley scraping by. XXXX was a very hard month for me but I have been a long time loyal customer. I ask that Chase make a goodwill adjustment for things beyond their customers control. I would greatly appreciate if they removed the one late for me.
Consumer complaint received 2020-05-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bad faith : I am calling Bank Of America into action. On XX/XX/2020, account supervisor named XXXX from XXXX Arizona call center misled me into paying for my current statement balance in order for me to receive the full amount of my charge back that was crediting back to my account for a total sum of {$10000.00}. 

Instead, by complying to XXXX XXXX instructions to pay off my statement balance over the phone, the exact opposite of what I wanted to happened occurred, the charge back was deducted off of my current balance as soon as it was posted on XX/XX/2020. 

On the basis that the supervisor was fully aware of their policies/terms and condition, it was in bad faith at the cardholders expense when XXXX the supervisor instructed me to pay for my current statement balance in order for me to maintain the full {$10000.00} to be transferred out of my credit cards account uninterrupted via check. 

One would expect that when dealing with a supervisor/manager and not through a typical account associate would be much more assuring that things will be handled more correctly. That couldn't be further from the truth. 

XXXX the account supervisor made sure I was aware that he is the supervisor, he knows how these credit card charge-backs work ( differently from a bank account ) and he specified there was absolutely no other choice but to pay my entire current statement balance if I want to not have the {$10000.00} deducted off of my current running balance. 

Not only that, I had to go through all the formality by disclosing my routing number and checking account number so the wiring of my charge back can be transferred to my bank account. 

We as cardholders, expect management to be more experienced than customer care associates and not to make colossal mistakes such as this. They should know what they are doing and what needs to be done during situations like these. 

When BOA is clearly in the wrong, they do not rectify or compensate their cardholders. Account managers should be held at a higher standard, can not be reckless, unreliable and there would be no blow back or consequences. Yet, there are plethora of fines and penalties when cardholders dont meet their guidelines. BOA can not possibly expect the cardholder to know enough to disprove a supervisor/managers decision or method. 

I am not OK when there are no consequences, when someone in upper management handles my account thats involving a {$10000.00} mess up and identifies it as a non-issue at my expense ; this is where monetary compensation needs to be granted. 

In this particular case, BOA werent looking out for the people that use their credit card services. Therefore, I am seeking compensatory damages in which BOA needs to be held accountable for their employees negligence and for falsifying information.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

USAA is reporting a late for XX/XX/21 and I would like it removed. I recently have been going through a hardship because of Covid 19. I have had this account for a very long time, and have always been on time and never made a late payment. This was genuinely a mistake and I ask that USAA makes a goodwill adjustment for a loyal customer. My hours have been cut, and I have had enough money to barely scrape by. I ask that they please remove the late from my credit file. I was never late before and continue to make payments on time.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I checked my credit report and saw a debt from a collector named XXXX XXXX XXXX XXXX. I didnt know what this was until I contacted the agency. I found out it was a medical bill but didnt know when it was from. I have not received any written notification or bill from anyone prior to me getting a collections on my report. I contacted the agency and found out where it was from. It was from a hospital visit where they contract a private doctor to see patients. Well the hospital has my insurance information but apparently they do not. They could have easily went to the hospital and got my information but nope, they automatically report it as delinquent to my credit without contacting me about it.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (MO)

State Collection Service , Inc. initially mailed me on XX/XX/XXXX which was received on XX/XX/XXXX with a letter telling me I had 2 accounts each of {$2100.00}, that were in collections with them. This was the first contact I had had with them. 
I sent them a certified debt verification letter that was received by XXXX XXXX on XX/XX/XXXX to which State collections never responded to verify the debt, leaving themselves open to litigation. 
On XX/XX/XXXX another letter was sent by State Collections which was received by me on XX/XX/XXXX informing me that this unverified debt is seriously delinquent. 
I believe the debt to which they are referring to is part of a debt currently being disputed in court with both the insurance company and provider and will soon be dismissed entirely.
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (TN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-29
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. (TN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAYS - XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 30 DAYS XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-08-12
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. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXXXXXX XXXX XXXX account XXXX, XXXXXXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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 a account without my written instructions
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
XXXX XXXX had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. XXXX XXXX investigated and said there was no delinquency reported. I received a copy of all four credit bureau investigations. Three of them had the errors corrected. Equifax did not. Equifax is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX explaining that Equifax stills shoes the first major delinquency on XX/XX/XXXX. XXXX XXXX again said they never reported it delinquent. Equifax says it can not change it because XXXX XXXX denies reporting the major delinquency. I have attached the Equifax Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

I have been trying to get a loan to purchase a home for 2 years now and I keep getting denials do to being XXXX and having a fixed income. I have cleared everything on my credit report but my credit score is still low. The credit agency are no help with fix anything what do I do? I feel like I'm being discriminated against because I'm XXXX.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brown Olcott, PLLC (AZ)

XXXX XXXX XXXX never provided an invoice for HOA fees. I requested that they send me an invoice, they never did. Instead they put me into collections. After my answer to the court the collection company sent me an invoice from the HOA which I paid and the check cleared. The collections put a lien on my home and then demanded {$2500.00} in money.
Consumer complaint received 2021-08-16
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: ENOVA INTERNATIONAL, INC. (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My account with Equifax is locked. I have tried for over 60 days to get it unlocked by calling Equifax at XXXX, as noted on the website. After speaking with 10 different representatives, two of which were supervisors, and having to change my password 9 times, I am still unable to access my account. Supposedly, my issue was elevated to some office three times to get fixed. That hasnt worked. 

Since no one to whom I spoke could tell me which headquarters office could assist me, I addressed the issue to Mr. XXXX XXXX, Chief Data and Analytics Officer, on XXXX XX/XX/2019. I stated to him that if his office is not the one who can resolve my issue, please forward my letter to the correct office.I have not received a reply. And my account is still locked.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I looked up my credit report on Equifax and it said someone changed my name to XXXX XXXX This is wrong. My name is XXXX XXXX. I have not changed my name. Im worried someone else did this and could be possibly trying to use my social security and name. Please help me My phone number is XXXX XXXX XXXX XXXX Thank you XXXX XXXX
Consumer complaint received 2021-09-20
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was given 24 hour notice that my Savor credit card with Capital One is being closed, despite staying within my provided credit limit and paying my statement balance on time. The explanation I was given via email was because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Providing benefits and then closing customers cards for using them is fraudulent and should be dealt with accordingly.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Me and my wife have recently been going through the process of tackling our debt and consolidating our balances. Early in XXXX we made the tough decision of closing ( 2 ) of my CapitalOne accounts. One of the cards I had for nearly 7 years. Over the past couple weeks we have consulted with several people and they have advised us that it would be wise to reopen those accounts. We will soon be going through the home buying process and I feel that this might adversely affect our chances of buying our dream home. 

It seems unreasonable that CapitalOne is one of the only companies that will not allow you to reopen your account no matter what the circumstances. I have already called them today ( XX/XX/19 ) and they just told me " No '' they won't reopen then for me. 

I feel that I am left with no other choice but to file a formal complaint. I hope that you are able to help us. Thanks!
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

PayPal - negative {$3000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Ordered the PenFed Credit Union XXXX XXXX card about a month ago to make a few purchases ahead of overseas travel. Nearly every purchase attempted was declined from XXXX, to XXXX, to various airlines. Had 5+ hours of phone calls with customer support and bounced between various departments. Supervisors blamed me for entering card number incorrectly and then tried to blame vendors for not transmitting the number correctly. Clearly a problem on PenFed 's intake side. Still no resolution.
Consumer complaint received 2018-09-27
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. (MI)

Greetings I have initiated multiple disputes with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EXPERIAN credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX