davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
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: JPMORGAN CHASE & CO. (TX)

For my Chase Freedom Flex credit card, I received a promotional offer email from Chase Bank last XXXX. In this email, it says that I will receive additional 5 % cash back on my top spending purchase category in XXXX 2021 ( in addition to the quarterly 5 % cash back categories ). 

My top spending category in XXXX is XXXX spending. However, so far I have not received the additional 5 % cash back for my XXXX top spending yet. I am writing to request Chase to resolve this issue and post the additional 5 % cash back points for my XXXX top spending purchases to my Chase Freedom Flex card account immediately.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Requested credit report and bankruptcy information was on there. The case never happened so I contacted the credit bureaus and asked that the information be removed but they said that they could not do it but the courts reported this to them. I contacted the courts and they said they don't report to credit bureaus but that the credit bureaus use some sort of search that flags them whenever there is some court activity and the credit bureaus pay to use this site so they have no control over what they report or getting removed. I want the information removed from my credit reports since the bankruptcy never happened.
Consumer complaint received 2021-05-02
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. (FL)

Im a victim of unfair credit reporting act resulting in the lose of equity due to me according to 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( my social security number ) by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. : multiple inquiries due to a data breach, names reporting that arent mine, closed accounts reporting as negative delinquencies, and late payments reporting on accounts stated paid as agreed. I have tried to inform XXXX, Equifax, and XXXX  of the fraud investigation I reported regarding credit accounts for the last three months ( XX/XX/2021 until the present time ( XX/XX/2021 XXXX XXXX and to no avail Ive gain unnecessary delays in processing my written request and unacknowledged notarized affidavits, along with the unwilling assistance in resolving the issues concerning my credit as previously stated like wrong names on my report, inaccurate addresses, closed accounts reporting as derogatory accounts, late payments listed under accounts in good standing, and student loans reporting without my written consent that violates my request to privacy pursuant 15 USC code 1681 ( b ) ( 2 ) In accordance with written instructions of the consumer to whom it relates. As a consumer I rely wholeheartedly on the efforts of the Consumer Financial Protection Bureau to protect, correct, and reaffirm my trust in the ability to gain fair reporting concerning my credit.
Consumer complaint received 2021-01-27
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: American First Finance, Inc. (IL)

On XX/XX/2020 XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Amer Fst Fin has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2018 was the time I found out about my Identity theft issue with Bank of America of someone using my account to deposit bad checks into my credit card account. They used my account to filter the money though the system and they got the cash and then I found out the checks bounced for insufficient funds and I got charged for the full balance of the Checks totalling over {$27000.00} Dollars. I asked Bank of America fo help with this and they said no and I had to pay it all back in full. Fraudualent accounts apear on my credit report also.This is putting a Financial Hardship on me and my family I support XXXX people. With the Corona Virus Impact I need all the money I have and more to get by.
Consumer complaint received 2021-06-23
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. (GA)

The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate time.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

This is the clam number : XXXX. Three ( i believe it was around XX/XX/XXXX ) months ago i had a sell phone fixed. The merchant claimed he repaired my phone. But phone was not repaired. I contacted my bank wellfargo an explained. I stated i wanted to stop payment cause merchant did not fix my phone. Women on phone from bank stated she would open a clam i stated i wanted to stop payment an get my money back. Women from bank stated its wrong a person shouldnt have to pay for a service they didnt get, an refunded my money. I assumed this was the last i had to worry about this. But XX/XX/XXXX i checked my account at XXXX XXXX an with out prior notice XXXX was taken out of my account. I tryed to explain to bank but was unable to speak to anyone in clams dept until XXXX. But when i finally spoke with some one from clams dept i was told merchant denied clam so i had to pay. An that she was done an i could try to speak to customer service. Upon speaking with customer for a 3 time, a supervisor i was told i was using money i didnt have, that wasnt mine. I tryed to explain if i would have been aware of the XXXX i could put money in my account so i would not have accured two XXXX dollar fees. I was ADVISED to put money in my account if i had any other charges coming so i wont have to pay more fees. I tryed to explain but i was treated as if i stole money!!!!!
Consumer complaint received 2020-10-23
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: ALLY FINANCIAL INC. (CA)

The payment for the loan payoff to Ally was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and Ally still reported my loan late 2 weeks later from the email they sent me.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX  2019.XXXX XXXX has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, Transunion says {$440.00}, XXXX  says account is closed. Also XXXX XXXX has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (MS)

Experian has been playing games and using stall tactics to not send me my " Credit File '' also known as " FILE '' under 15 USC 1681a ( g ). Experian decided to only send me my Credit Report and pretend as if they were sending my " Credit File '' as well just to close out my first complaint. It has been over 4 months and slowly coming up on 5months since I requested my " File ''. Experian is so unprofessional and I preparing to sue them in court if this matter is not solved in 7 days of seeing this complaint and replying back they are sending my ''Credit File ''. In the FAIR CREDIT REPORTING ACT under 15 USC 1681a ( g ) it states the following below : " The term ''file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. '' I advise Experian to send me my " FILE '' expeditiously or LITIGATION will be brought upon them for violating my consumer rights.
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc. (NY)

Alliance One has contacted me about an allege debt from another debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). They ( AllianceOne ) are not the party involved in said consumer credit transaction and has NEVER been given permission to contact me which is a direct violation of 15 USC 1692c. I've never gave them permission to contact me and muchness never gave them permission to contact me multiple times through ANY medium, telephone, mail, or email. I received communication from them on XX/XX/2021 through the mail about this allege debt. I then received a phone call on XX/XX/2021 about the same debt and in that conversation told them to never contact me again they said that they would, they used obscene and profane language during that phone as words that I found offensive was used. They called at a time I was busy and being that I NEVER told them to call me it was INCONVENIENT to me, the consumer which is a violation of 1692c ( a ) 1. Then I received another call about the same debt ( violation of 1692c ) on XX/XX/2021, I never picked up because again it was inconvenient. The other violations are in the file I uploaded mark as exhibit A. I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them AGAIN to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g. Enclosed is the phone records of my incoming call for both days that I was contacted.
Consumer complaint received 2020-11-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXXXXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hi Good day! 

My name is XXXX XXXX. 

I recently made a complain to my bank XXXX XXXX XXXX regarding to the XXXX checks that they froze cause it wasnt literally written under my name instead it was name to my business XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and also name to my XXXX customers named XXXX XXXX and XXXX XXXX. 


This XXXX checks was issued from XXXX and XXXX. My customers gave this to me for their payment of collision. 

However on XXXX 2022 they froze my bank which is XXXX XXXX XXXX  cause they thought it was a fraud cause its not written under my name. However this XXXX asked for a Hold Harmless Letter or XXXX to the insurances/their bank! Unfortunately they failed to get it cause according to the insurances they dont issue it and the only way to resolve is send them back where the check came from but according to XXXX XXXX XXXX thats not how their Policy works! 


On XX/XX/2022 I called them and asked them again the update for my account. And they said they want now the payees on that check to contact the bank of america to fix the problems. In other words bank of america will contact XXXX XXXX XXXX to solve this issue. 


And now today I would like to ask Bank of America to please call XXXX XXXX Bank to help me solve this issue. Because according to the lady i spoke with Bank of America needs to fix also this mistake. 

XXXX XXXXXXXX XXXX phone number direct to the XXXX is XXXX My XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (CA)

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

National Credit Adjusters has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX XXXX XXXX XXXX. I XXXX this company and it looks to be some pay day loan company. I have never done any business with XXXX XXXX XXXX as I've never received a payday loan before. I've sent this company certified letters via USPS and tracking numbers to prove they received them. I've asked them to cease all collection efforts on 3 occasions.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX {$240.00} XXXX XXXX  XXXX {$150.00}
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-02-13
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)

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. 
XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-05-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (NC)

I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Consumer complaint received 2024-03-17
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: CCS Financial Services, Inc. (TX)

Credit Collection Services reported me for non payment of debt to XXXX company for teh amoungt of {$1400.00}, however XXXX had sent me a letter through Credit Collection Sevices offering me to settle the dispute with a discounted opportunity of 60 % on XX/XX/XXXX and i took this offer and settled dicounnted rate which was {$570.00} and paid teh credit collection on XX/XX/XXXX. 

They repoeted me to the credit agencies for non payment and also quited teh full amount {$1400.00}. 

They are unwilling to even listen to teh dates and payment mase. I want this them to repmobe this ASAP and account is closed and settled. 

I have all te paperwork and dates necessary if required. Please let me know.
Consumer complaint received 2022-09-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( XXXX ) Cases under title XXXX or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( XXXX ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( XXXX, XXXX, Transunion, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On or about XX/XX/2020, my sister send a wire transfer from the XXXX XXXX to Bank of America ( receiver : XXXX ) Bank of America, NA XXXX, FL US for the amount of {$2500.00} U.S dollars. The final destination suppose to be XXXX XXXX. Bank of America is the intermediary Bank. The money was never received or send to XXXX XXXX. A complaint was filed against XXXX XXXX and they responded that they never received the {$2500.00}. Please see attached receipt for the transaction, Note on the attached documents the information showing Bank of American receiver XXXX. in XXXX, FL. Please see other attached documents.