davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is the letter that I ended up sending to Bank of America after they denied my claim Dated XX/XX/2019, for AUTHORIZE ONLINE TRANSACTION IN THE AMOUNT OF {$600.00} to a Unknown email address. ****** XX/XX/2019 VIA FACSIMIL : XXXX Bank of America Fraud Department Case Num : XXXX XXXX Regarding our conversation maintain on Friday XX/XX/2019, enclosed please find here prove to sustain that I been a victim of identity theft not just with your financial institution, but also on my primary bank account where I use to do business too XXXX with XXXX XXXX. 

In these paper enclosed, you will find copy of the two ( 2 ) Police Report I have to made to report the incident that I was been involved by been a victim of identity theft. Also enclosed, the letter I sent to XXXX, also the complaint that I have to submit to The Consumer Financial Protection Bureau informing my situation. Sadly for me, thinking that with your institution ( Bank of America ) I will be better protected from this type of case this past Friday I have to heard that your FRAUD DEPARTMENT IS DECLINING my claim, stating finding NO ERROR in that electronic transaction to an unknown email address you guys have registered in my bank account with no previous history of mine registering this email address, person or company, also If you see my previous history I NEVER USED THAT KIND OF SERVICE BEFORE XXXX, or have no contact register there or any other type of electronic transactions. 

Also, on my intent of try to stop this fraudulent transaction, on the same day and minutes after I got the email/notifications of the transaction I PRACTICALLY RUN to the most near institution to report what was happening and that transaction wasnt me, wasnt authorized for me and I dont know the person or email address the thefts was using to send that money {$600.00}. ( Second time in one week had been a victim of identity theft ). I also make reports with the credits institutions informing this situation, you will find a copy of the letter too. 

I hope we can resolve this matter as soon as possible, by having a fair investigation and not making me hired a legal representation to fight for my rights and the money you guys supposed to have secure on your financial institution. 

Any other information need, please do not hesitate in get in touch with me. 

XXXX XXXX XXXX, XXXX email : XXXX I also want to add that this Institution with the delay in resolving this problem been causing me a lot of frustration and inconvenience by not been able to use my funds and by the bank don't been diligent and just denying my claim without proper investigation process.
Consumer complaint received 2021-07-19
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: ProCollect, Inc. (FL)

Pro-Collect ( in copy ) refused to provide an email where they accept the " mistake they made '' reporting in my credit a collection that never below to me. 

The reported a collection for {$820.00} for a rental condominium XXXX XXXX XXXX. I have never rented in this place, I have owned my house since 2006 ). 

I tried to speak with the manager at Pro-Collect, but this person refused to talk to me ( my only contact was a supervisor ). 
I was a victim of identity theft from Pro-Collect ; they used my personal information, arguing that my name is common. That was the answer! 

They never took the time to verify the information ; it was very easy for them to use my social security because I have a " common name ''. 

You can contact XXXX XXXX from XXXXro-Collect Inc to verify this information. 

XXXX XXXX was the person who explained to me that they don't send this type of correction by email or letter because it is their " policy. '' Pro-collect can destroy credit and a reputation, but they aren't capable of accepting their " mistake '' in writing. 

I disputed this collection in XXXX and Procollect confirmed that this account is below to me. 

Their phone number is XXXX, account # they gave me is XXXX.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc (MD)

I have been a member of Chime Bank for at least three years. I haven't had a problem until now. On XX/XX/XXXX I lost my card at the XXXX that is near my home on XXXX XXXX. in XXXX, MD. Apparently someone picked up my card and used my debit card at two different locations. He used it at XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX, MD for {$210.00} and {$3.00}. He also used my card at the XX/XX/XXXX at XXXX XXXX XXXX., XXXX, MD XXXX for XXXX. I called my bank immediately when the funds were taken. The representative on the phone told me to wait until all transactions cleared, then I can do a dispute for each of the transactions. I waited until they cleared, this was XX/XX/XXXX that everything had finally settled. I then called my bank back to file a dispute. They proceeded to give me instructions on what I needed to do. I filled out the form which they emailed me and returned signed with my name. They told me Ms. XXXX it will take up to 10 business days to make a decision. We will give a temporary credit and if we do not find that the transactions were fraudulent then we will take back the credit that we gave you. Within 20 minutes a decision was made to deny me the funds back, and they never gave me any temporary credit. When I called back to speak with a supervisor in the dispute department he told me I had to resubmit a rebuttal. He did not make clear as to why they said no, and said they did their research and they reached out to the creditors and it was still a no for me. I went to the XXXXXXXX XXXX place that was on my debit card, and the young man, XXXX XXXX, Customer Service Leader, show me the video of this man, I do not know, swipe my card for cigarettes. I asked him to write me a letter so that I could file a rebuttal. He did just that and I sent my rebuttal in with the letter that he provided me. Again, they denied my claim standing behind their initial decision. I was very upset, and was dissatisfied with the customer service they had given me. I was NOT given any credible information of how they came about this decision. They emailed the same signed form I was suppose to give them, and highlighted one word on my sheet, that word was, MEMORY. I am not sure how that helped them make their decisions. Also, today, XX/XX/XXXX, I spoke with XXXX, the store manager, at XXXX XXXX she told me I can not get a copy of the camera feed showing this man using my card to make a cigarette purchase. I will have to file a civil lawsuit and subpoena them for the documents.
Consumer complaint received 2022-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NV)

I contacted my vanilla prepaid card services because I have over XXXX in pending refunds that I haven't received yet and I was told upon checking she can see that the refunds had been deposited band started staying dates that they had been posted on so I then replied if that is the case why haven't I been alerted when the loads was credited to my account I'm set up for alerts I say I get alerts when I spend money so why am I not receiving when it's been loaded it doesn't make since that's basically your word against mines where's the proof that's why I have you guys Im order to protect my account who's to say if it was ring that I'm looking at my account and it still saying that it's pending the representative then stated I assure you it has and I will have them look into why you aren't recieving alerts I then stated I am receiving alerts you just aren't sending me my load credits once again she assured me they where so now here 's where the problem is I used my card yesterday at XXXX to do another return XX/XX/2022 and I purchased a few things I go home to check my balance I can't access my account I then call my vanilla and are told that my account and card has been compromised by a bad check balance web site that I was using so we have to send u out a new card what I stated i been using the same website I been using for years that's XXXX 's so now I have returns I can't get im locked out of my account and now I have over XXXX on refunds pending that I still haven't received back from XXXX or from XXXX XXXX XXXX  because they insist that I received when my account is telling me otherwise and I wasn't notified via text or email I luckily downloaded my statement because I had a feeling they where going to try and pull something please help I have 2kids bills and money I don't have access to
Consumer complaint received 2021-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-05-15
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. (NC)

I Sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX # XXXX # XXXX To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized and Fraudulent Inquiry and I send a FTC ... ... ... ... Report 15 U.S. Code 1681s2 ( 2 ) Failure to resolve the disputed findings of violation by informal means may result in the use by the Administrator or recommendation to the Attorney General of one or more formal enforcement options set forth in the Code : administrative enforcement orders ( 6-108 ) ; injunction against violations ( 6-110 ) ; injunction against unconscionable agreements or conduct ( 6-111 ) ; civil actions to seek damages, refunds or penalties in appropriate cases ( 6-113 ) ; temporary injunctions ( 6-112 ) ; or criminal penalties ( 5-301, 8-109 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit, Inc (NY)

The following hard inquiries listed on my credit report ( s ) were not authorized : XXXX - VW Credit Inc XX/XX/2020 XXXX  - Volkswagen Credit XX/XX/2020
Consumer complaint received 2021-07-18
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: EQUIFAX, INC. (NY)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-18
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: DISCOVER BANK (CA)

On XX/XX/2021 I ordered two custom towels from the company XXXX XXXX. I never received the towels from XXXX XXXX after many attempts to resolve the issue directly with the merchant. After losing all hope after fighting with XXXX XXXX for over a month, I submitted a transaction dispute with Discover on XX/XX/2021. On XX/XX/2021 Discover updated the status of my dispute to " Initial review of Dispute is resolved in your favor '' and provided a credit to my account in the amount of the transaction, {$70.00}. 

The status of the dispute still remains the same, I still have not received the towels from the merchant - the tracking information from the merchant still says " Shipping Label Created, USPS Awaiting Item '' as it has since XX/XX/2021. 

I didn't receive a letter or email from Discover & the Dispute on the Discover website has not been updated with any additional information. However, my account now shows {$70.00} SALE CHARGEBACK REPOST - REPOST OF DISPUTED TRANSACTION. 

I called Discover twice in order to find out why I am being charged the {$70.00} again even though I have not received my order from the merchant & Discover has provided me with no information why this is being reposted to my account when the Dispute Status remains " Initial review of Dispute is resolved in your favor '' but both times I called I received an Agent in Utah who advised that Discover is going through system updates and they can not access my account to assist me.
Consumer complaint received 2021-07-18
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: JPMORGAN CHASE & CO. (NJ)

This account is from a business account not my personal account. The company was severely impacted by covid 19 and has not been able to revive. This should not be reflected on my personal credit as I have struggled to maintain a respectable credit history and find it unjust that they would tarnish my personal credit because my business was so badly impacted by Covid 19 that it was unable to pay this credit card. I ask that this be removed from my personal credit history as it's a business account and should reflect solely on that. This was a hard situation to go through as a business and going further to try and attack me personally is simply unjust and unnecessary. No one was prepared for the impact Covid 19 took on our world why go the extra mile to make this that much worse is beyond me.. I ask that you please help me in this situation. Thank you in advance for your understanding and help. 

Kind Regards,
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MA)

I had student loans through XXXX, which is a loan servicer for the Department of Education. I paid off the loans in full through their website, but this did not cancel my regular monthly payment, as one might've hoped, so that went through and they were overpaid by {$570.00}. I called XXXX about this and the first person I talked to said he would put the refund through right away and made it sound like I'd be receiving it shortly. But when I didn't see it after a week, I called again to ensure it had been processed and the new representative told me it takes 7-10 days on their end to process and then up to 45 days to process via the U.S. Department of the Treasury. It seems really offensively inefficient that after paying off these loans without issue for years that they would now keep XXXX {$600.00} of my money for such a long period of time. I would not be allowed such a courtesy if the roles were reversed and {$600.00} is nothing to sneeze at. I want to know why it takes such an extremely long period of time to refund such a substantial sum of money to me? If I were to take my sweet time paying my loans you would not be quite so patient with me so I don't see how this is just or fair. Am I allowed to charge you interest until you pay my money back? No. So I'm not understanding why the processing time is so unreasonable and no one at the business was able to answer my questions about this.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (LA)

On XX/XX/2021 I got a loan in my personal in my business name weeks before i was to get the loan i called to make sure i wasnt going to have issue with the account i was told by 3 different staffs members of wells fargo i didnt need to add the business on my account it was okay which the funds was depoist on time no issues whatsoever until 48 hours on XX/XX/2021 my account closed. i called to see why and of course the loan i was told to bring my paperwork showing i was the owner and add the business it was a friday so i had to wait until monday i dont have a branch in louisiana had to travel a state over i called to see if i could still bring docs to show the business was mines now this rep talked so nasty and said they didnt that docs anymore no where written they dont take them i asked to speak with someone else stayed on hold again 4 hours than phone hung up called next day someone asure me again bring docs since my money is locked and the holiday another delay called XX/XX/2021 talked to someone this person was so nasty again she said they didnt take the docs hung up its a whole a lot of running around in circle with lies i have my docs its wrong no where they have written that im not suppose to get this money i need my money they should have never let the money come if it wasnt suppose too
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Consumer complaint received 2019-03-27
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. (TX)

XXXX XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX BALANCE.
Consumer complaint received 2022-03-31
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. (PA)

New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am Depressed Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/2022, I was at home in XXXX, TX when I received an email from Chime that my bank account ATM withdrawal limit had been met for the day as someone was in XXXX, NY withdrawing funds. When I opened my Chime app for further investigation I saw that someone withdrew {$2900.00} from my account. Confused because I had the card on me I immediately called chime to dispute the transactions. They told me I had to wait for the transaction to post before I could dispute them and proceeded to assist with cancelling my card and issuing me a new one. Two days later on XX/XX/XXXX they said they found no error and closed my dispute. I uploaded a receipt from a purchase on XX/XX/XXXX in XXXX texas at XXXX as evidence that I could not have withdrawn money from an ATM in XXXX NY when I was clearly in XXXX XXXX TX and again they denied my dispute. I have called countless times to reach a competent person to assist in refunding my funds but to no avail.