davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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. (MD)

I have contacted Experian many times over the years and especially these paths few months. Despite providing valid documentation for the bureau to delete false items on my credit report. The representatives often disconnect the line and promise call backs of supervisors which never occur. Investigation results take a long period of time and nothing changes. No real proof of any investigation being done.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2018-03-09
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: Midwest Recovery Systems (TX)

XXXX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED XXXX  AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. MIDWEST RECOVERY HAS ASKED FOR XXXX  TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.MIDWEST RECOVERY REQUESTED THE REMOVAL IN JXX/XX/2018.  THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was given a credit reversal on XX/XX/XXXX for a service I was coerced into purchasing at the airport, I wasn't even able to use said service, I made claim and received my reversal on XX/XX/XXXX, apparently on XX/XX/XXXX I was given a refund from the merchant, instead of the bank recouping the reversal into their account, they let the refund go into my account, did not notify me of the refund on the XXXX of XXXX in form of letter, email, or in app message. forward to XX/XX/XXXX, the credit reversal was taken away a day before I had to pay my rent, so effectively the balance was in the negative, I woke up to low balance alert and was told I was refunded my money and anything else the bank may have made an error on is on me, I spoke to several customer service reps, supervisor and claims department, all were equally unhelpful, I feel I was charged wrongly a month later, was not notified of any charges or refunds prior as well. I feel they have mismanaged my funds and I'd like to he reimbursed the money they took from my account. I tried complaining to the bank but was refused.
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.C. System, Inc. (TX)

I have not had a XXXX account since early XX/XX/2012. I do not live in XXXX anymore I have been in XXXX since this time. I received a call from some company giving me a reference number and saying I was going to be served papers at my home and work if I didnt call to straighten the matter out, and I could call #, and use reference # they gave me and speak directly to the charging party. So since they have been harassing me for what seems years, I called. The rude lady on the phone, when I asked her for details told me I have to go down the hall to the attorneys office to get the back up. Uh, no you dont, i proceeded to tell her that if they were reputable she would have the info on the screen, and that they are scammers, she told me not to tell her how to do her job and hung up on me. I havent heard anything since. I do not believe this debt to be mine just based on the simple fact that the amount doesnt resonate nor does a XXXX account, I live in XXXX we do not have XXXX here.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

We were living in the XXXX XXXX XXXX of XXXX prior to the pandemic. When the seriousness of the pandemic was realized, my partner and I left because she is a XXXX XXXX. We notified our landlord of our intention to terminate our lease due to the gravity of the situation. Since then, they have forwarded our information and the debt for the remainder of the lease to PDM Debt Mediation. This debt collector is located out of XXXX, Florida. 

My partner and I need to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) the fact that this company has sent us several correspondences, none of which indicate we may dispute this debt. PDM misrepresented the fact that they would not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in the notice on the front of this letter. However, the letter contained no notice of time period in which we should contact them ( see attachment ). 

PDM used abusive, deceptive, and unfair debt collection practices because less than 30 days after receiving the first letter, I received a negative activity report on my credit. This resulted in a 50 points decrease in my credit score ( see attachment ). Under the Fair Debt Collection Practices Act ( FDCPA ), a consumer written notice must contain a statement that unless the consumer, within thirty days receipt of the notice, disputes the validity of the debt will be assumed to be valid by the debt collector. 

Furthermore, they contacted my brother, without my express permission, at XXXX XXXX XXXX Under the FDCPA, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. 

If someone from your office could contact us, that would be much appreciated. Thank you and stay safe. 

Best,
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

Over the past few days I've received {$230.00} in overdraft fees, even after depositing money, but because of the way checks and my paycheck were posted I received even more including on a XXXX cent withdrawal. I did the math beforehand and at this point I should have around {$200.00} in my checking account with deposits, but now I have - {$70.00}. There is no way I can continue to pay bills, if I keep getting slapped with these fees on top of fees. I will never get caught up.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Advantage LNS Inc. (NJ)

In a prior complaint, I attested to the fact that Nation Credit Audit Corporation has falsified information, and stated the following : Company 's Response " ... Please note that back in XXXX of 2018, the leasing office filed & was awarded a Warrant of Restitution from the district court for nonpayment. They were also, given authorization to start the Eviction process to retrieve the possession of our premises. XXXX  discharged our claim as the PR brought his rental charges current and gave a notice of vacating. Therefore is was no need to proceed with an eviction ... '' There is no warrant of restitution. I challenge National Credit Audit Corporation to show me where a warrant of restitution was granted in the State of New Jersey. There is no such warrant recognized by the New Jersey court systems.

I challenge them to show me proof, in the form of documentation, account statements, this supposed Warrant of Restitution, and any other place where my name shows up with my signature.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

As of XX/XX/23 this morning I checked my account to see why my funds have not transferred from one account to another. Chase placed a hold on a XXXX check, then cleared the account then two days later closed the account as they said it was restricted for 10 days with no warning. They also canceled money transfers to cover checks written and charged me multiple 34 nsf fees and then canceled my transfers. They also kept my XXXX. Been on phones all day missing work to get this corrected. They keep giving me excuses and Im extremely stressed and concerned. No warnings, no calls, just closed account and kept money. Been on phone for hours and they keep telling they are trying to reopen the account after I told them Im calling the police to file fraud against the bank.
Consumer complaint received 2018-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (NC)

In XX/XX/XXXX I called Carmax XXXX XXXX and advised them due to my permanent injuries I had been out of work and needed to get a payment deferred because I did not want to pay my account late and 5 months into my loan i had never been late on my account and didn't want to pay it late. They would not help me at all they forced me to make a payment from my checking account which my bank covered it processed and later kicked back out which Carmax kicked it back because of the name difference on my account. My loan consisted of my married name and my checking account listed my maiden name. So two months after the bank covered and processed the payments Carmax kicked them both out causing me to be 30 days on each payment. In XX/XX/XXXX I faxed them a letter from my bank on letterhead i was told that someone was looking into and it would take 30 days to fix. Now last month I made another check payment for two payments and they have again did the same thing. I am not two times 30 days late and one time 60 days and this is killing my score. prior to this I have not ever been late on my loan. Even when I pleaded with them to help me out do to be out and under dr 's care they would not.
Consumer complaint received 2018-03-09
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)

Since XX/XX/XXXX, Chase Cardmember Services has failed to assist me in disputing the following charges with the merchants : XX/XX/XXXX XXXX {$1900.00}, XX/XX/XXXX XXXX XXXX {$1800.00}, XX/XX/XXXX XXXX XXXX {$160.00}, XX/XX/XXXX XXXX XXXX {$180.00}, XX/XX/XXXX XXXX XXXX {$200.00}, XX/XX/XXXX XXXX XXXX {$260.00}, Chase Cardmember Services has also continued to charge my account finance charges while the disputes are in process and obligated me to make minimum payments on the disputed transactions.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I first noticed in XXXX that TransUnion was reporting late payments on an account that i paid off fully in XXXX. I purchased in FULL my car that was being leased from XXXX in XXXX. Never missed any payments, but TransUnion started reporting me as being late on an account that was closed out. I sent them a letter and they ignored the late payments. I sent XXXX a letter and they said they would tell TransUnion this was a mistake. However they are still reporting me as being late today. How is this possible? It is really causing me to lose out obtaining credit and good interest rates. How can they knowingly keep making this mistake? There is no way my credit score should be hurting because TransUnion is refusing to do their job. I am the victim here ..... Please help
Consumer complaint received 2022-11-19
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: REGIONS FINANCIAL CORPORATION (GA)

XXXX Prior Case Credit Submitted by Customer Representative did not fully complete all as promised. 

I was promised a credit which was provided - Completed I was promised a letter of clearance This entire conversation was recorded as proof of promise and will be attached. The debt was paid and letter of clearance was never provided.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth Financial Services violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Commonwealth Financial Services does not have any documentation, they need to retract this from my credit file immediately
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

1.I have never had an account with this company Enhanced Recovery Company , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Enhanced Recovery Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-05-02
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (PA)

On Friday XX/XX/XXXX at XXXX I transferred {$500.00} via XXXX from my XXXX checking account to my Key Bank checking account as I have done several times in the past. I received an email confirmation from XXXX that the XXXX was successful and the {$500.00} was immediately taken from my XXXX account. I did not receive an email from Key stating that it had been received. I called Key Bank that morning and during my initial call a young lady first said that they have been having some issue with XXXX that morning but after a very long hold time she said that she saw no XXXX transfer and that my issue had nothing to do with the issue they were having that morning. She instructed me to go back to XXXX. I called XXXX and they told me they have confirmation that it was sent and accepted by Key Bank and to go back to them. After multiple calls back and forth between the two banks and several hours of phone calls, long hold times and different departments I was told to " wait and see if it shows up in a few days ''. Today is Monday and I still have no record of my {$500.00} other than the receipt showing it was sent from XXXX XXXX. I also called XXXX but was told it had to be resolved between the banks. Can please please someone help 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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (UT)

I pay my AMEX card in full every month. The due date on my card is the XXXX of the month. In XXXX I paid the balance of {$910.00} in full one day late and incurred a interest charge of {$23.00} and a late fee of {$40.00} in XXXX for the late payment. I am ok with the interest charge and the late fee in XXXX because I paid late. However, I also received an interest charge of {$23.00} in XXXX and when I asked the AMEX representative why I was charged interest in XXXX they said that the trailing interest from the late payment in XXXX carried over into XXXX. Since I paid the balance in full on XX/XX/XXXX there shouldn't be any trailing interest. Or if there is, it should only be for 1 day? When I asked about the interest in XXXX I was told that it was the trailing interest? 

Without a clear explanation of why I was charged another month 's worth of interest for 1 day of an outstanding balance raises the issue of an unfair and deceptive act.