davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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. (WA)

The account XXXX XXXX  reporting on my credit report is in violation of the FCRA by reporting a balance after the account being closed on XX/XX/2017. Please delete this account immediately.
Consumer complaint received 2023-03-18
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: CREDIT ACCEPTANCE CORPORATION (NY)

XXXX, XX/XX/XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX  Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX, I took advantage of the Promotional Offer on my credit card from Bank of America. The offer said " Save big your way '' in large print at the top. It provided a variety of examples of how you could use the funds : you could consolidate debt ; repair your car ; funded planned or unplanned expenses ; improve your home ; pay individuals. 

There were 2 checks provided to take advantage of the offer. Check # XXXX ( Offer XXXX ), which I used, offered 0 % interest until XX/XX/XXXX. Check # XXXX ( Offer XXXX ) offered 1.99 % interest until XX/XX/XXXX. 

Each option included " A 4 % fee applies to each transaction, {$10.00} min. '' So, using Check # XXXX, I wrote and deposited the check for {$26000.00} to my checking account. I needed the funds for a number of the purposes they listed, and others, so writing one large check was way more practical. 

I set up automatic payments of {$500.00} per month and paid off the balance in XX/XX/XXXX. In the payoff process, I discovered that they had charged me {$1000.00} for the transaction fee and {$3300.00} in interest during those 10 months. 17 % in 10 months, rather than 0 % for a year. 

When I called to clear up the problem, I talked with several people and sent a copy of the promotion. After about a week, they pointed to the very finest print at the bottom of the page which states " Direct deposits or Checks made payable to self of cash are not eligible for these offers. '' This seems highly deceptive and I was disappointed in their response, especially since I've been with their bank, or predecessor XXXX XXXX, for 41 years. Maybe its time to find new bank. 

" Save big your way. '' in bold print at the top. Small print exception at the bottom. Is this a good way to do business? 

Thanks for your time. I would like to send a copy of the promotion if possible.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not disputing the verfication of these accounts what i am asking for if I received a 1099 from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-01-17
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: CITIBANK, N.A. (CA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

All transaction from XX/XX/XXXX to XX/XX/XXXX were unauthorized, except for a TELLER withdrawal, {$920.00} XX/XX/XXXX, a TELLER deposit, {$570.00} XX/XX/XXXX, a XXXX Payment, {$190.00} XX/XX/XXXX,  and a XXXX payment, {$30.00} XX/XX/XXXX. I have lost my wallet at either XXXX or XXXX. I`ve filed a dispute twice. The last time with a police report. There was a XXXX transfer that I was refunded for that caused my account to go into overdraft. PNC closed my account. I was told that my disputes were denied because they say that I gave my PIN number out. Why in the XXXX would I give someone my PIN number? I have taken days off of work to try to get this resolved. Over {$2000.00} in charges and nobody can help me. I was told that I would receive a call back by Monday and nothing. I have left multiple messages with the XXXX and I received no call back. Now since my account is closed I can't open a new dispute. This is XXXX! A customer service representative that actually tried to help me out of more then 20 people was going to resubmit the claim, but first wanted to find out what additional information that I could provide to get my claim approved and no one knows. After some research this is not a valid reason and I was told to contact a federal agency. Can someone please help me?
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received multiple overdraft and return fees when the bank accepted automated transactions that I clearly did not have the funds for, instead of stopping them from going through. Now I'm penalized because Bank of America doesn't know how to say " no ''. 

XX/XX/XXXX- original balance {$1100.00} rent transactions {$920.00}, {$450.00}, {$1.00} = - {$260.00} overdraft fees {$35.00}, {$35.00} = - {$330.00} XX/XX/XXXX XXXX transaction {$11.00} = - {$340.00} overdraft fee {$35.00} = - {$380.00} maintenance fee {$12.00} = - {$390.00} XX/XX/XXXX- XXXX deposit {$46.00} = - {$340.00} XX/XX/XXXX XXXX  transaction {$130.00} = - {$480.00} XXXX transaction {$9.00} = - {$490.00} return fees {$35.00}, {$35.00} = - {$560.00} XX/XX/XXXX- XXXX return {$130.00} = - {$420.00} XXXX return {$9.00} = - {$410.00} XX/XX/XXXX XXXX transaction {$130.00} = - {$550.00} return fee {$35.00} = - {$580.00} XX/XX/XXXX XXXX return {$130.00} = - {$450.00} XXXX  transaction {$9.00} = - {$460.00} return fee {$35.00} = - {$490.00} XX/XX/XXXX- XXXX return {$9.00} = - {$480.00} XX/XX/XXXX- fee refund = - {$410.00}
Consumer complaint received 2018-03-06
Product: Debt collection — Payday loan 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: Resurgent Capital Services L.P. (VA)

XXXX XXXX XXXX is the phone number that is calling. They have left several threatening voice mails on XX/XX/XXXX and XX/XX/XXXX claiming that I would be arrested if I did not pay. They have also contacted my father, claiming to be a company that I applied for a job with and that his was the number I have them when I applied for the job. I have never applied for a job with them.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and frustration with the repeated unsuccessful attempts to remove charge-offs from my account. Despite multiple requests and efforts on my part, these charge-offs persist on my account statement, causing significant distress and inconvenience. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these charge-offs. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the charge-offs remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the charge-offs continue to negatively impact my financial standing. These unresolved charge-offs not only affect my credit score but also hinder my ability to access financial products and services. 

I have made several calls, sent numerous emails, and submitted multiple written requests in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of charge-offs on my account have left me feeling frustrated and disillusioned. 

As a valued customer, I expect prompt and effective resolution to any discrepancies or errors on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all erroneous charge-offs be promptly removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the charge-offs on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2023-03-17
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: AMERICAN EXPRESS COMPANY (FL)

Dear Consumer Finance Protection Bureau, I am writing to dispute the actions of American Express regarding my accounts. I have a Business Gold card with the account number XXXX, a Personal Platinum Card with the account number XXXX, and an XXXX XXXX XXXX Card with the account number XXXX. 

Recently, American Express has been threatening to harm my personal credit because I can not make a payment in full of almost {$4000.00} at one time on my Business Gold card. I strongly believe that business and personal matters should not be mixed, and American Express is violating this principle by threatening to harm my personal credit. 

I would also like to bring to your attention that my Personal Platinum Card and XXXX XXXX XXXX XXXX are both up to date on payments. However, American Express has suspended all usage on every card, including my Business Gold and Personal Platinum Cards, simply because I can not afford to make the payments on the Business Gold Card. This is completely unfair and unreasonable. 

To make matters worse, American Express has threatened to report my Personal Platinum Card as late because of a separate card, even though I have a current and up-to-date payment history on it. This action is unacceptable and I believe it is not legal. 

I am willing to make arrangements to pay down my debt on the Business Gold Card, but due to my recent divorce, I have found myself in a rough patch and a financial bind. I kindly request that you look further into this issue and prevent American Express from taking any unfair and illegal actions against me. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2018-03-06
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. (GA)

Equifax has refused to comply with the consumer reporting and consumer protection laws. Equifax is reporting an account on my report that has not been officially investigated and verified. XXXX and XXXX has investigated this item and concluded that the item did not belong on my credit file. I've contacted multiple agencies and departments and according to them, they have no contact with Equifax and does not provide information to them. 

How is it that a company who had a data branch and compromised 140 million files can be so negligent and not investigate an item and provide their method of verification. 

How is it that 2 other companies who use the same method of verification file the item to be inaccurate and deleted the account can be wrong, but Equifax can be correct.

PLEASE BE ADVISED I HAVE CONTACTED FEDERAL, STATE COURT CLERKS EACH CLERK HAS AFFIRMED THE FOLLOWING : THE COUNTY CLERK AND COURT DO NOT FURNISH INFORMATION TO CREDIT BUREAUS BY MAIL, ELECTRONICALLY OR BY ANY MEANS THE COUNTY CLERK AND COURT DO NOT VERIFY OR VALIDATE INFORMATION WITH THIRD PARTIES INCLUDING BUT NOT LIMITED TO CREDIT BUREAUS AND ANY OTHER THIRD PARTY BY MAIL, ELECTRONICALLY OR BY ANY OTHER MEANS.

THE COUNTY CLERK AND COURT ARE NOT TO BE HELD LIABLE FOR INACCURATE REPORTING, YOU THE CREDIT BUREAUS ARE LIABLE AND I DEMAND YOUR TRUE SOURCE OF THESE ACCOUNT AND DEMAND THAT THE INACCURATE, UNVERIFIABLE ACCOUNTS BE DELETED IMMEDIATELY. 

XXXX VERIFICATION MANDATES METRO 2 COMPLIANCE OF ALL DATA REPORTED OR ELSE CLAIM MANDATES DELETED SO DEMONSTRATE VERIFIABLE PHYSICAL PROOF OF VALID CERTIFICATE FOF FACTS TO EVERY ASPECT OF CLAIM, ALL NOTATIONS, DATES, BALANCES, XXXX, CREDITOR CALL, ETC.
Consumer complaint received 2021-03-01
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. (CA)

I have been writing the credit bureaus for over a year, they have numerous addresses on my report, i did not live at, XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Ca. XXXX, XXXX XXXX XXXX XXXX Ca. XXXX. I have never worked at XXXX XXXX, and I've never filed, not one, but they are reporting errantly, 2 bankruptcies. Those bankruptcies are not related to me. All these things are EXTREMELY important, i have a XXXX  job, and when i don't list theses things, especially, addresses, in my file, and the Government does there security checks, they think i'm lieing or hiding something, and i have been passed over for promotions twice, recently. I am just a simple man, but can not understand, how this these organizations, have such awesome over power, over our personal, private financial affairs. I have written them repeatedly for over a year, and i'm still writing as of today. Experian and XXXX, have inaccurate information, only XXXX is reporting me without any bankruptcies. Between this and this pandemic, the pressure is unbelieavble, can anyone please help me.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a hard credit alert from my banking institution from Bank of America claim # : XXXX. I have contacted all ( 3 ) credit agencies in this regard ; they provided me your website to file w/ you as well to expedite/complete the process on their end.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I wrote to the 3 credit reporting agencies Experian, XXXX XXXX XXXX XXXXXXXX  explaining the section 15 USC 1681a. Means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. which was not fulfilled on my end, I have multiple inquiries that have not gave consent for, Credit Card Utilization, XXXX car installment loan. XXXX wrote me a response XXXX, XXXX XXXX, & Experian all are saying the information is accurate
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (CA)

XX/XX/XXXX I was contacted via telephone by XXXX XXXX, Lease Retention Manager/Client Loyalty from XXXX XXXX located at, XXXX XXXX XXXX. XXXX, CA XXXX. XXXX XXXX detailed a special offer for a " Loyalty Programme '' being offered by XXXX. The offer was followed up with an email confirming my VIN number qualified and asked me to come into the dealership to see my options on a new XXXX. 
XX/XX/XXXX I stopped by to hear more about the offer and to have my XXXX XXXX inspected. The offer to trade in my XXXX XXXX, as is, for a XXXX model was confirmed. I returned to the dealership Saturday XX/XX/XXXX to select a new vehicle for lease and return my XXXX model which was once again inspected by XXXX and confirmed the vehicle qualified for the Loyalty Programme, no additional fees were due. The transaction was completed that day. I requested something in writing stating the transaction was complete and no payment due other than my down payment for the new vehicle of $ XXXX. 
Early XX/XX/XXXX I received a invoice from XXXX XXXX XXXX titled " Turn-In Settlement Invoice '' $ XXXX. I contacted XXXX XXXX via email however as of today, no reply. I then filed a complaint with the XXXX. XXXX XXXX, General Manager of XXXX XXXX responded with a basic form letter. His excuse was/is not acceptable therefore my complaint with XXXX is unresolved. XXXX XXXX later contacted me via telephone and left a message stating he would like to clear up this misunderstanding. I replied via SMS as I wanted any correspondence in writing. He replied suggesting this was a misunderstanding on my part. No further correspondence with XXXX XXXX sense XX/XX/XXXX when XXXX XXXX told me I misunderstood the invoice of $ XXXX. XXXX XXXX XXXX has continued to send me the invoice that I have not paid. The consumer should not be made responsible for unethical business practices. XXXX is a huge corporation, the consumer is one person who is forever being bullied....
Consumer complaint received 2021-03-01
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On around XX/XX/XXXX, I attempted to book travel using the HSBC travel portal utilizing my reward points. When I tried to complete my transaction, I was told that there was an error processing the request. No points were deducted from my rewards point account, and a pending charge showed up on my card. I expected this charge to reverse since the transaction failed and I did not receive what I attempted to purchase with my points. A week later I noticed the charge posted to my account, so I filed a dispute with HSBC for the charge. 

After approximately a month of no reply or notice that anything was being done, I finally received a letter from HSBC asking for more information regarding the disputed transactions. I sent them detailed information outlining the circumstances behind the disputed transactions. After sending this back I assumed the issue was resolved since the charged dropped off of my card. However, I noticed on XX/XX/XXXX, the disputed charges reappeared on my card indicating that HSBC is somehow determining I am responsible for the charges related to a failed transaction where nothing actually resulted in being purchased. 

This seems to be boarding on fraud from HSBC bank by deceiving me into using their travel portal with my points, failing to apply the points to my purchase, failing to provide me with what I purchased through their portal, and then charging me for the purchase amount. 

To restate : I have received nothing for the purchases in question. I applied points to the purchase ( which clearly did not happen ). There is no question that these charges should be reversed and to not do so is crazy.
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnson Mark LLC (OR)

XX/XX/2018 or spring of last last year, they tried to sue for a completely different debt ( XXXX XXXX ). They threatened me with a lawsuit that did not succeed in the past and sent more mail today for a different 3 year old cc debt from XXXX XXXX. They are not true lawyers. They've been harassing me through mail for a while.
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am working with XXXX  on removing some accounts off of my credit reports due to me winning a case with a lawyer. XXXX has been trying to get them to contact me and I have received nothing so the process is now taking almost a year and it still is not complete. Multiple attempts have been made to removed them, with proof and they will not budge or communicate with me with their findings as they should. I have tried to make my own disputes and nothing has changed. I am not sure what else to do or how to have these items removed immediately. As I stated this process was started almost a year ago and it should not take this long.