davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA CREDIT CARD XXXX XXXX XXXX XXXX REFUSES TO SEND ME MY XX/XX/XXXX MONTHLY STATEMENT. I ASKED FOR THIS STATEMENT. I NEVER GOT THIS STATEMENT. INSTEAD I GOT AN IRRELEVANT 92 PAGE DOCUMENT. IT IS ATTACHED. THE ATTACHMENT DOES NOT INCLUDE THE XX/XX/XXXX STATEMENT.

BOA ANSWERS QUESTIONS OF ITS OWN CHOOSING. BOA DOES NOT ANSWER MY QUESTION. MY QUESTION IS WHERE IS MY XX/XX/XXXX STATEMENT? 
I DID NOT GET IT. 
I CAN NOT GET IT ONLINE. 

I NEVER RECEIVED XX/XX/XXXX STATEMENT.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-12-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX  and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

Comenity Bank/ XXXX has made it extremely difficult to pay my bill each time I called in to pay rep either hung up on me or claimed the system was down there for I was not able to make my payment, I finally spoke with someone who helped me she moved my due date to XX/XX/2020 and insisted I call credit bureaus to have XXXX late removed, it has not yet been removed they also added another XXXX for XXXX but the bill is not yet due because the due date was changed to XX/XX/2020. I have never been late with a payment and believe company representatives have not been helpful during this Pandemic
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MT)

I have made a total of {$6800.00} in payments since XXXX. The more I pay, the more i seem to owe on my Sears Mastercard. I called the company twice now to complain that it is showing I am credited the payments, but I don't believe the payments are actually being deducted from my statement. When I called today, I was told they would be mailing my statements since XXXX to review if there are any unrecognizable charges, which I had already told them there aren't. The problem is that they are not actually crediting my account - I believe I am making huge payments that someone at that company is stealing. I am transferring the money from my bank account atXX/XX/XXXX. I think during the transaction, the money is not being actually credited to my account. Also, when I try to access my account online, it denies me privileges to my profile and also keeps stating that " new cards are being mailed to you '' - I did not order any new cards. I have the same card, so this sounds like they are stealing my money and payments. 
Please help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX ( home ) ( XXXX ) XXXX ( work )
Consumer complaint received 2023-03-26
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXhas violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am writing this due to non-compliance with the XXXX XXXX, Experian, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-11-17
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. (MS)

I am writing this due to non-compliance with the XXXX Equifax, XXXX, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX However, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-10-18
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 — Their investigation did not fix an error on your report
Company: MoneyLion Inc. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

Around XXXXXXXX, I became aware of a account that was Fraudulently opened with XXXX XXXX via my credit report for a collection from Transworld Systems for the amount of {$340.00} I have called XXXX XXXX many times, and followed all instructions they have given me to get this debt collection removed. This month i was finally able to speak to a general customer service rep who informed me of all the details of the fraudulent account. See details of this fraudulent account below : - Fraudulent account # XXXX - Fraudulent Address : XXXX XXXX XXXX, XXXX Tx XXXX The main & only avenue they provided me to adress this was to email XXXX and provide them with the following : - Copies of two ( 2 ) types of utility bills or formal correspondence such as tax, employment or school documents in your name from different vendors/providers as proof of residency during the service dates under investigation - A notarized ID Theft Affidavit ( stating you are willing to press charges if necessary ) Copy of a full Police Report ( Please note that a report number will not be sufficient. We need a complete copy, obtained from the police department. ) - A legible copy of your Social Security Card - A valid government-issued photo identification card ( for example, your driver 's license, state-issued ID card or a passport ) I have done all those things, and have called back to their fraud department XXXX ... i have not received a response by email or not have been able to reach anyone at his point. 

I did not open any account with XXXX XXXX & feel at this point i am not getting any help to remove this fraud from my credit reports.
Consumer complaint received 2020-12-11
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. (IL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-12-11
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. (IL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2017-12-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation (TN)

I received a letter XXXX XXXX, 2017 regarding intention to file a lawsuit about a payday loan debt that I have no knowledge of and do not owe. I disregarded the letter because it appeared to be a scam. There was a company but no signatures or any legal information or debt verification. I did however contact the company by phone and asked for specifics. I was not given any information and the individual was rude and very threatening about suing me if I didnt pay {$510.00} out of {$900.00} they said was owed. I was contacted again by text XX/XX/2017 stating legal documents were to be served and I needed to get in touch with them. When I contacted the number to let them know they had inaccurate information the person on the phone was very rude and would not provide anyone I could talk to above them. I do not know whatever this debt is. I have been a victim of identity theft in the past and I have evidence and report number. I do not want this company to harass me any longer
Consumer complaint received 2021-10-18
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: GOLDMAN SACHS BANK USA (DC)

I recently reached out to Apple/Goldman Sachs via chat. I reached out regarding a billing error as well as my open ended credit. To further I expressed to them my consumer rights.

I have an open end consumer credit plan with Apple/ Goldman Sachs bank . It is expressed that I have an outstanding balance. I am asserting my consumer rights and demanding that Apple/Goldman Sachs balance out the balance each month, credit and/or make adjustments to the account, and send me the balance in check every month. In Title 15 U.S. Code 1602- Definitions and Rules of Construction ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. Per Title 15 U.S Code 1666d. Treatment of credit balances -Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On or about XX/XX/2020, I authorized Paypal to use my credit card ending in XXXX to process automatic transactions from XXXX. I did not authorize Paypal to use any other forms of payment for these transactions. However, Paypal disregarded my authorizations and used my XXXX checking account to settle a XX/XX/XXXX transaction in the amount of {$34.00}. Paypal did not notify or ask my permission in any form to use my XXXX checking account to complete this transaction. As a result of this unauthorized transaction, my XXXX account got overdrawn and I was charged fees that exceeded the amount of this transaction. My checking account history got damaged as well because of this unauthorized transaction. Paypal fraudulently charged my bank instead of my credit card because bank transactions cost them less than credit card transactions, even though I explicitly instructed them to use my credit card.
Consumer complaint received 2023-03-26
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 have previously disputed these claims in which they were removed from my credit report. 
Complaint XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 XXXX removed XX/XX/2022 These accounts are back on my credit file and the credit reporting companies are refusing to delete them back off. They are misusing my credit and ruining my credit reputation. In accordance with the fair credit reporting act have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

I purchase only one item from XXXX XXXX receipt XXXX. For {$30.00} and over charfe me {$110.00} plus {$30.00} this should be illegal please investigate.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (CA)

NCB Management Services was collecting for a debt I had, and their collection agent promised that if I paid them, they would delete it from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid. 

So I paid NCB Management Services, and now I have disputed the account multiple times through the credit bureaus but NCB Management refuses to delete it from my credit report.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America continuously, illegally puts holds on perfectly good checks. 
On XX/XX/XXXX Bank of America put illegal holds on XXXX  tenant 's rent checks that were in a ATM deposit of {$45000.00} made on XX/XX/XXXX. EVERY CHECK IN THE DEPOSIT. They illegally deprived the account holder of their entitled money. I received from Bank of America XXXX emails, one for each check held, that stated the reason for the hold was, " A hold was placed on your check ( s ) because check specific information indicates item may be returned '', examples attached. There was nothing wrong with the checks. One check was mistakenly read by the ATM machine as {$3900.00} when it really was for {$2900.00}. The Bank of America customer service woman looked at each check and stated there should not have been a hold placed on them, and started the process to release the holds.

Even if one check has a problem it is unacceptable for the bank to put a hold on every check in the deposit. 
Bank of America did this, put a hold on all checks in the deposit when there was nothing wrong with them, twice before. All checks in the deposits of {$53000.00} on XX/XX/XXXX and {$46000.00} on XX/XX/XXXX were put on hold. They stated there was CHECK SPECFIC INFORMATION INDICATNG THAT THE ITEM MAY BE RETURNED. They are lying.

This is the third time Bank of America has illegally held our funds.

They must be stopped from doing this. And if they do it they must be penalized.