davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I transferred a balance from another credit card to this one back in XXXX, to help pay less on my overall credit card debt. When I did so, I was given the offer of 0 % interest for 12 months, but I keep getting charged interest on my statements and then never given a proper explanation as to why whenever I have contacted the company about it. 

When I called them the most recent time, I explained that when I have made purchases with this card since the balance transfer I have paid the purchase amounts in full, so I should not be charged interest. The person that I spoke with said that I did not in fact pay them in full, which is true, but they then apologized, credited me for the interest that had been charged and apologized for the lack of a good explanation as to what I should pay to not owe any interest. They did some type of calculation on their end and said that I would need to pay {$58.00} ( or something in that ballpark ) to pay for my minimum payment on the balance transfer as well as what remained on the purchases, to not owe any interest. I thanked this person and then proceeded to pay {$60.00} ( more than what they had told me ) on my next bill. When I received my most recent statement, I was still being charged {$1.00} for interest even though I had been given a specific amount to pay where I would not have to. 

The bottom line is, when this company told me that I could get around paying any interest, they lied about it and have decided to still punish me for trying to pay off my debt and not owe interest. These discrepancies in their behavior can not and should not be tolerated, and I demand consistency when speaking to the associates at this or any other bank.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (TX)

XXXX is reporting a bankruptcy. I would like the documents to at authorized them to do so. According to federal law any consumer reporting agency furnishing data must have the written consent of whom it relates. XXXX does not have my permission to report this alleged bankruptcy and I have a right to privacy.
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX continue to use my estate property for compensation by reporting an alleged bankruptcy. As the trustee for the estate I have not given XXXX, Experian, or XXXX permission to use the estate property for any profit that does not benefit the heirs of the estate. These companies sell information for profit and prevents me from carrying out the duties for the estate which is engage in XXXX XXXX to benefit the heirs,
Consumer complaint received 2022-01-17
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. (TX)

I have a Chase Visa card, After raising a dispute on a transaction, Chase/Visa first waived the charge on my account. 
But before presenting me with any documentation on what the seller had to say, and giving me a chance to respond, Chase/visa has put the charge back on my account. 

In this specific case, I had booked a hotel for couple of days on XXXX and within couple of hours decided to cancel the booking. I tried reaching a human customer care representative and I couldn't find anything on their website to that end. The bot kept advising me that the cancellation depends on the hotel 's cancellation policy. I tried calling them multiple time and even wrote an email. Their phone is not functioning and no one responded to my email. There was no way for me to contact anyone on either XXXX and XXXX XXXX near XXXX. 

XXXX said that the hotel had charged me for a no-show which is first day of the total booking. But Chase/Visa decided to put the full charge of the booking on account without providing any notice of the dispute resolution.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NC)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2024-05-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlas Credit Company, Inc. (TX)

I am writing this letter to inform you that ATLAS CREDIT COMPANY is misreporting accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, they have a grave responsibility of maintaining the accuracy of that information.

The following account ATLAS CREDIT COMPANY XXXX is reporting a balance of XXXX when it is my understanding an reason to believe that because this debt was charged off by ATLAS CREDIT COMPANY that is was memorialized with a Form 1099C as proof or evidence thereof. And that this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase continues to ignore my dispute and failes to list or report that my acount was included in Bankruptyon my credit report and refuses to update my credit report as being " Paid In Full '' and refuses to remove the status remarks as late 120 / 150 Days Late!!! 

I've esculated my complaint to senior management for Chase and Employee - XXXX XXXX ignores my calls, left voice messages, and fails to address my request! I have notified Chase for more than three years and no changes have been made to address my complaints! 

I have esculated my complaint to the better business bureau for the way my complaint has been handled!
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I have put my report on freeze and fraud alert.. the company still keeps adding and allowing hard inquiries, that I did not authorize. I told them a thousand times I was victim of identity theft. Yet they keep passing my report around illegally. They refuse to properly investigate all my disputes, that should not be on my report. And they refuse to require all information in closed accounts, therefore reporting negative information illegally. I have disputed all accounts and said all detail information about accounts must be presented,. They refuse to delete accounts. I have been disputing the inquiries and negative accounts for years. Only to be ignored, they ignore my need for credit freeze and fraud alerts. I want to take highest action against this company, they only hurt people 's life 's and should be disappointed to the highest degree.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (NY)

This is related to complaint number XXXX submitted on XX/XX/20. I have not yet received a response to my initial complaint. 

I contacted BMO Harris Bank on XX/XX/20 to find out where my debit card or bank statements were for my checking and savings accounts. I deposited {$3000.00} with BMO Harris Bank on XX/XX/20 and have no access either online or by phone. Please see previous complaint. 

When I contacted BMO Harris bank today ( XX/XX/20 ) I asked for assistance with my accounts and was told I needed to go to a branch. I told the CSR that I am affected by COVID-19 and am in the State of New York for an indefinite period of time and the branches are located in the XXXX Illinois area. The CSR said she could not give me any information on the accounts and abruptly ended the call. 

At this point I dont how to proceed. I am extremely concerned that I have lost my {$3000.00}. I did not receive a phone call, email or USPS mail about my {$3000.00} and have no way to access my money. I do not have a debit card to access my money, I am stuck in the State of New York because of COVID-19 for an indefinite period of time and BMO Harris Bank refuses to talk to me about my accounts. 

I am very concerned I will have to drive or fly to the XXXX area to get my {$3000.00}. Its very possible I could have long term health damage because of BMO Harriss irresponsible behavior. Additionally due to the COVID-19 pandemic, if I traveled to XXXX, I would need to quarantine upon my return to New York for 14 days. BMO Harris is causing enormous hardship and emotional distress because they are withholding my {$3000.00}.
Consumer complaint received 2024-04-27
Product: Credit 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: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX i purchased i purchased a purse off of XXXX  in the amount XXXX. The item was supposed to be delivered with signature to me and i never recieved this item or signed for anything. I have written the company they keep saying XXXX showed proof of delivery which there is no photo or signature. I have contacted XXXX  they said there was no signature required by the sender but in there policy there is. Now im without my item and i have disputed several times with carecredit which was denied. I am never able to talk to anyone at carecredit sychony bank they just say theres nothing that can be done this is just fustrating and upsetting.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MS)

I have contacted Chime multiple times for disputes against XXXXXXXX XXXX charging my account 3 times per order. I received some of my money however XXXX disputes remain unresolved after receiving approval emails and credits never being posted. I have made XXXX phone calls for dispute numbers XXXX & XXXX. I have been a customer of Chimes for years even had my son open an account. I hadnt had a problem until now. I do not know what changed but we are both about to change banking services. This is ridiculous and I am completely out of patience. My first call was XX/XX/XXXX ; XXXX call XX/XX/XXXX ; XXXX call XX/XX/XXXX and XXXX call XX/XX/XXXX ( today ). Someone needs to post both credits to my account immediately. XXXX for {$23.00} and the other for {$60.00}. I should be compensated for the time and inconvenience of missing lunch and canceling my card to receive a new one. We are a whole month later and I am still dealing with the same issue. I also asked for a copy of the escalation ticket however I was only given the number XXXX. I have called again today XX/XX/XXXX only to be read the same script with no resolution.
Consumer complaint received 2022-01-17
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. (FL)

Signed up for Chase Southwest Rapid Rewards credit card on XX/XX/XXXX. Inquired about the statement closing date and was told it would close 1 month after opening on XX/XX/XXXX and at that time any points that I accrued during the statement period would be sent to my SW Rapid Rewards account upon statement closing. 

Due to customer service misinformation, the statement closed in XXXX and the points were sent to my Rapid Rewards account in XXXX, effectively not counting towards my XXXX points accrual. I called in and was told the points with be revoked and re-issued so they would count towards my XXXX points accrual. Again, I was misinformed as this did not happen.
Consumer complaint received 2022-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past 3 weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (OH)

On XX/XX/XXXX I received a letter from American Coradius International LLC, informing me that my XXXX account was placed with their office for collection in the amount of {$440.00}. A payment plan was set up over the phone for scheduled monthly payments of {$64.00} beginning XX/XX/XXXX. These scheduled payments continued until XX/XX/XXXX. 
I place a phone call on XX/XX/XXXX to verify if amount has been paid, and if there will be a refund offered for the over-paid balance. They responded and said, " They longer had access to the account, it was sent back to XXXX XXXX and they have no record of sent payments. I still owed {$440.00}. '' To confirm this, I called XXXX to verify sent payments and the unpaid amount on the closed account, they said they haven't received any payment and I still owed them {$200.00}. Upon learning this information, I reached back out to American Coradius International LLC, they responded, " the account did not exist ''.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested The original creditor 's name and address. 
The amount of the alleged debt.

Verification that they are licensed to collect debts in my state.

A complete account history, including all charges and fees.

The original wet ink signature of this alleged debt contract.

( FCRA ), 15 U.S.C. 1681 et seq., is Federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agency. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

( code of civil procedure 337 ) The alleged debt is reported from XX/XX/2009. 
This alleged debt is hindering my ability to find affordable housing. Also they are violating 15 USC 1692c.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the XXXX which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX  me over.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : My name is XXXX XXXX ATTENTION CFPB : The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 


Incomplete and Inaccurate information being reported by XXXX XXXX EXPERIAN : Sometimes when your car is repossessed the original creditor sells the car for less than the amount remaining on your loan which is called the deficiency. The CRA 's are reporting this information as " accurate ''. This is NOT in fact " accurate '' information if XXXX failed to do the following : XXXX failed to comply with UCC : Under the laws of the State of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX DID NOT provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

The company also did not comply within 14 day from receipt of notice of the alleged claim which is now considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA and shall be removed. 

I also reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Cullimore & Coleman, PLC (NV)

RE : Cullimore and Coleman, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX In XXXX of XXXX I was sued for old apartment debt from XXXX and my wages started being garnished by a law firm located in XXXX, AZ. The law firm threatened my workplace for my information and they were coerced into providing my earnings so the creditor could renew an old judgement. I was not aware of the proceedings nor was I given opportunity to respond as I live in XXXX XXXX, NV and have no residency or work in AZ. When I contacted the creditor in XXXX of XXXX in regards to the garnishment, I asked for proof of debt and I received a manufactured lease which has clear mistakes in the dates and a notice without proper court seal. I was willing to work out a payment plan for the original judgement debt of about {$1900.00}, but I was not given opportunity to pay and creditor proceeded to garnish my wages for an amount over and above what was originally owed. I was garnished for 8 weeks prior to my layoff in XXXX of XXXX in which during that time I was garnished weekly ranging in amount from {$490.00} to {$270.00} per week. I am sure the original debt has been satisfied yet the creditor will not cease. I have a dependent which I communicated with the creditor and garnishment was not reduced. The garnishment caused my child and I to XXXX XXXX. The creditor is currently refusing to work with me and I can no longer reach them.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Please take a look at the attached letters and ID docs for verification that XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.