davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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. (LA)

FCRA violations remove good accounts please put it back on XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
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Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (AL)

An account with AmeriFinancial Solutions showed up on my credit report for an account with XXXX XXXX XXXX XXXX XXXX. I sent a letter via certified mail to AmeriFinancial Solutions which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have not received anything. This account is still reporting on my credit reports.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I went to a retail store to do some XXXX shopping. I had a series of fraud alerts triggered by trying to make purchases with my Chase credit card. I called chase to verify the attempted charges I was told the fraud alert had been removed and that I was free to attempt the charge again. This happened 3 separate times in the same night ... the fraud alert was removed and each time I would go back in the store to make my purchase yet the charge was declined again, I 'd call Chase again, jump through a bunch of hoops answering a bunch of questions correctly, and then reassured everything was fine and to go try the purchase again. Finally after the third time going back in the store for a decline, I called and was told that the latest fraud alert could not be removed and that my accounts were under review by Chase. 

On XX/XX/XXXX I received notification that all 5 of my Chase credit cards had been cancelled. Some of these cards I have had for over 15 years. I 've never missed a payment and have paid my balances in full every month on each and every card I 've ever had with Chase. 

I do not believe Chase is operating within the spirit of the credit card agreement by issuing overly sensitive fraud alerts, and then even after the purchaser 's identity is satisfactorily established by Chase, and with reassurance given to that card holder that he is free to make the transaction, to continue declining purchases over and over again to the embarrassment of the card holder. Then to add insult to injury punishing the consumer by closing 5 credit card accounts which have never had a problem is very dishonest.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I Sent my letter off on ( XX/XX/year> ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2020-07-13
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. (OH)

There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.
Consumer complaint received 2017-12-09
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. (OH)

Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that
Consumer complaint received 2017-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NC)

I called Wells Fargo on XXXX XXXX of XXXX. I asked them to close all of my accounts because they hold my larger checks for 7 full days and this is HARSH on  the cash flow of a small landscaping business. 

PROBLEM # 1 - THIS OLD DELAYED BANKING SYSTEM SUCKS. WE HAVE PUMPED BILLIONS INTO COMPUTERS. THIS DELAYED SYSTEM IS ABUSE OF SMALL BUSINESS TO THE GAIN OF ONLY BANKERS. 

When they closed my accounts, I asked them clearly to " Stop any and All Outgoing Payments. '' They clearly agreed. Then I found out that they kept paying automatic payment requests and are charging me overdraft fees as well! 

I asked them to stop ALL PAYMENTS. Do not pay any automatic drafts. Pay nothing ever again!. I told them I had a lot of things coming through that account and that it would take time to get it all corrected, and that I would do it. 

PROBLEM # 2 THEY LIE, STEAL, CHEAT, and BREED GREED. 

They also told me when I closed my accounts that I would have access to my digital records. The day I called and complained, they locked me out of my records and put me in collections. Now I have to do business taxes from a PDF! That is going to cost me a fortune in labor!!! 

PROBLEM # 3 : THEY LIE, STEAL, CHEAT, and BREED GREED. 

I attached the statements. It show some deleted charges, but when I call, they still say I owe the negative XXXX
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

On XX/XX/XXXX, within my Chime bank account, I transferred {$20000.00} from a linked XXXX XXXX checking account. I have been aChime customer for almost 3 years. On XX/XX/XXXX, the transfer had not yet been deposited into Chime, and I received an email stating my account was closed. I asked customer service if my {$20000.00} would be returned to the bank account it came from, and they said yes, it would be automatically rejected since the account was closed. On the XXXX, they again assured me that the transfer ( which was initiated by me, within my Chime account ) would be returned to the original account ( also mine, at XXXX XXXX ). As of XXXX, the {$20000.00} still has not returned to my XXXX XXXX checking account. On XXXX, I reached back out to Chime and asked if deposit was sent back. They stated that it was not sent back, that it was posted to my Chime account on XXXX ( though it was closed on XXXX ), and I would not be receiving any type of refund. I filed a XXXX report and have attempted to contact employees to handle the issue, but they do not publish or share the email addresses of anyone in the company. They have stolen {$20000.00} from me which is, as you know, illegal.
Consumer complaint received 2017-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I two checking accounts with BANK OF AMERICA. I have tired to close one of my core checking accounts ending in XXXX for months now. BANK OF AMERICA and it 's agents refuse to close this account. I have called the customer service line, as well as physically going into the branch and still to no avail. I was told they could not close the account because the account was negative at first. I bought the account to a positive status XXXX/XXXX/XXXX. I called and spoke to one of BANK OF AMERICA agents and requested the account be closed that very day. The agent advised me the account would be closed. I was lied to and the account is still open and now negative again. BANK OF AMERICA made an automatic transfer of {$25.00} XXXX without my authorization to my savings account and now the account is negative again. I spoke with BANK OF AMERICA agent XXXX in their New York call center XXXX/XXXX/XXXX and demanded the fees returned and this account closed. XXXX spoke with her manager XXXX and was advised they will not refund the {$25.00} nor close the account. I was told by XXXX that I would have to eat the cost of {$25.00} in order to close the account. How fair is that to me the consumer?
Consumer complaint received 2021-09-25
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. (MI)

When covid first started I called after and asked for a defferal. I was given a partial payment defferal of XXXX a month. I paid it on time every month. Around XX/XX/XXXX I called because my credit report showed that all my payments were reporting as late for all of the defferal months. They told me that this was a common mistake and they would fix it. In month or two it was reporting as it correctly in deferral and on time. Around XX/XX/XXXX it was back on there again. I called them again and they said they would straighten it out. They fixed it again and it was shown in defferal status, around the beginning of XXXX. I called in end of XXXX for an extension of the defferal. It was supposed to end XXXX. They granted me another defferal for XXXX a month. I went online in XXXX to pay my account on their website. It showed that my account was charged off and the full balance of XXXX and some dollars was due in full. I called them and they said it was nothing they could do but settle, the whole balance for XXXX percent of it. I told them I did not have that kind of money. I also checked my credit report and it showed that I was never in a defferal and all the lates were on there from XX/XX/XXXX. It was showing that I have not paid in over six months. I am also trying to refinance my house because my covid forebearance is ending. I can not due to my credit score and status. My credit score had been over 700 before this. I am bow in the 500s. I also just went on and paid them the full monthly payment of XXXX for the past couple of months on time. They told me that they never agreed to an extended defferal. But I also made the regular payments on time and they still charged the account off and messed up my credit. I have the proof to show.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have spoken with experian and XXXX both and provided them with my bankruptcy shedules showing that XXXX was NEVER listed and was purposely omitted from my bankruptcy chapter XXXX. The status on the XXXX account should NOT state included in bankruptcy this account is also still currently OPEN it is NOT closed. It is just inactive because its not being used
Consumer complaint received 2019-05-15
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: AMERICAN EXPRESS COMPANY (MD)

I applied American Express Platinum credit card on XX/XX/2018. 
They advertised that you will get XXXX Membership Rewards bonus after spend XXXX USD in the first 3 month. 
I met the requirement for the welcome bonus but I haven't got the bonus. 
I talked with American Express agents for several times and they response that I applied through a third party link which was not qualified for the bonus. I searched multiple times on the internet trying to find a third party link that is not qualified for the bonus but I just can't find one. I asked the agents to show me an example of such link and they said they are not allowed to do so. I asked for some XXXX search hints or directions for finding such a third party link and they refused to provide any information about such third party link. 
I have the screenshot I took when I applied the card. The screenshot has information about what American Express advertised about the card I applied. 
I have the previous correspondence with Amex agents.
Consumer complaint received 2017-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

On XX/XX/2017, I discovered that my XXXX checking account had been hacked and the hacking had been going on since late XX/XX/2017. Copies of all my statements showing the hacking are attached, along with my letter to XXXX. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous PAYPAL accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and XXXX refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number generated by PAYPAL.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous Navient & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the XXXX & XXXX for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX University XXXX XXXX where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was supplied with a credit report from TransUnion. The credit score looked very questionable in the mid to high 600 's. The problem is I pay many of my bills in person or certified mail with a traceable money order. When I attempt to apply for credit card refinance, I am receiving offers that are basically loan sharking 32 %. Because of having to pay more in rent, utility bills and rising interest rates, It is prudent to restructure debt into a personal loan. I have been blocked or faced barriers.

I filed a complaint with the attorney General of Pennsylvania and his response is various credit scoring systems. I have also asked the Attorney General of Washington State over the course of 15 years the Physical address of the local credit bureau only to not be given any direct answers.

I have filed court complaints and arbitration complaints over the course of 15 years showing they have used bogus addresses, names, missing information and have not gotten anywhere with this as well. 


I am asking that the local credit bureau in XXXX XXXX County and XXXX County not be allowed to have access to my information or credit reports anymore because of failures over the past 15 years to answer complaints. I have Notarized and Apostille most of my Public Records and they have refused to acknowledge this. 

I tried to mail court documents to the following address : XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Pa., XXXX requesting Transunion be monitored. Certified return receipt XXXX The postal service has tried to return the court documents by placing a white label on the address to be sent to and placed a letter in my mailbox stating nobody will sign for the document. The postal service appears to be aiding and supporting criminal activity by obstructing Justice. 

TransUnion along with the other credit bureaus are being charged with Civil and Human Rights abuses and should not handle anymore records based on it's discrimatory past and present actions.
Consumer complaint received 2022-04-01
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. (PA)

In accordance with the Fair Credit Reporting act 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 2018-06-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Critical Resolution Mediation LLC (OR)

I received a phone call in XXXX and again today ( XX/XX/2018 ) from a man who said his name was XXXX XXXX from Critical Resolution Mediation at XXXX regarding a debt referred to them for collections, and if I did not contact him directly today to stop the action, delivery would be made to my residence and my employment on XX/XX/2018. He never said delivery of what, or what the debt is for. I do not have any outstanding debts. I have never received any notices, which makes sense since I have no bad debts. 

In XXXX I called the number back from a blocked number and a very rude woman answered. I asked for the name of their company as someone from their number had called me. She said if I didn't know who I was calling she sure as XXXX wasn't going to tell me XXXX. 

I looked the name of Critical Resolution Mediation up online, and they list a different phone number than the man who called me listed. Both show up a Georgia numbers/locations however. 

I will not be contacting them again. They are extremely threatening, a complete scam.
Consumer complaint received 2021-11-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I submitted a dispute letter to your company, disputing two student loans that recently appeared on my account out of nowhere. I asked your company to not only investigate where such debt comes from but to send me proof of such debt or to remove such debt as, again, such debt does not belong to me. 

What I received in response was an " account update " email that had no status update attached and I discovered the two student loans account were taking out of dispute status. 

According to the law and per my request via my letter dated XXXX, I asked your company to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. Your company did not do that, in fact it seems your company did nothing but dismiss my claim and take the accounts out of dispute. 

The other two bureaus found no baring that these two students loans belonged to me, so I am confused as to why or how only your company was able to find them them to accurate. 

Because your company did not do that what is required by law, you are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. I am asking that you remove the accounts in question.