davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Since 2018, I have the XXXX XXXX XXXX and XXXX service, I put an account in collection that I did not even know existed, I never received letters, or calls, about this account and I have fought with XXXX to have this removed from my credit, they They let me know that my information was exposed in black marketing and I showed them with documents that I had served with another company and they do not want to take away that debit that is not mine, they do not have any information on the address where this service was used charging {$370.00} dollars
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (DC)

I applied for a prepaid card and was denied. I wasnt given a reason why I was denied. I never received an email or letter in the mail explaining why I was denied a prepaid card.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-23
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed a fraud charge of {$2200.00} in my business account ( XXXX ) at XXXX a.m. on XX/XX/XXXX. 
I did not approve this charge. 
The charge was made by XXXX XXXX XXXX. The company processes credit card payments. I never approved this charge. 
I contacted BofA immediately at XXXX a.m. on XX/XX/XXXX and was told to wait until the charge posted on XX/XX/XXXX. 
I filed the XXXX form on XX/XX/XXXX. 
I made mistake on the bank account number and refiled the claim the following Monday, XX/XX/XXXX with all of the accurate information. I submitted a photo by email to the BofA ACH fraud claim email. 
The form indicates that I should wait 10 days. 
I waited 10 days and did not receive any information nor a CLAIM NUMBER. 
I went in-person to the bank on XX/XX/XXXX. They did not give me a claim number nor tell me I needed one. I told them we should FAX another claim, which we did. 
I was then informed by the bank that it would take 45 days to get this resolved. Still I did not have a claim number. What happened to the 10 days as promised? 
I waited another 10 days. I called BofA several times between XX/XX/XXXX and XX/XX/XXXX and no one told me anything about my claim. No one told me I needed a claim number and NO ONE was getting one for me. 
They all told me to wait. 
I finally reached XXXX XXXX XXXX on XX/XX/XXXX. It had been ONE MONTH since my claim. The more time passes, The more the bank claims that they can't do anything, so I suspect they are making me wait so that they don't have to be responsible. 
XXXX XXXX gave me a claim number on XX/XX/XXXX. 
XXXX XXXX also provided to me the name of his boss, XXXX XXXX. She sent an email to me asking the claims department if they were taking action. I got no response from her or the team after that. She forwarded the message to XXXX XXXX XXXX. 
I asked XXXX XXXX for the name of the bank from which the fraud charge originated. He told me XXXX XXXX XXXX. 
I waited another 10 days as indicated by the form. On XX/XX/XXXX, I told them that if I did not hear by XX/XX/XXXX, I would file legal action. XX/XX/XXXX is XXXX 10 days from the time I received my claim number. 
XX/XX/XXXX after threatening legal action, I received a notice from BofA that they can not handle this problem and I have to contact the ACH claims at XXXX XXXX. Once again, if I had not threatened legal action, I suspect they would have let this linger and then claim that I waited too long. 
One of the forms I received today says that the bank is XXXX XXXX. 
My money is gone. I trusted the Bank to protect me and they have done nothing but put me off and provide information that is late, misleading, false, and disrespectful of my trust in the company. 
I am hoping that someone at your organization can help me.
Consumer complaint received 2023-08-22
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: FirstPoint Collection Resources (NC)

Firstpoint collections resolution open XX/XX/XXXX On my XXXX an this shouldnt be not on my XXXX aslo there another XXXX firstpoint collection open XX/XX/XXXX that was open for collection for XXXX have no knowledge of these item I lost my wallet maybe someone used it I dont know but these are wrong on my XXXX report none of this is on my XXXX Im asking to please remove these items please I dispute the items nothing so may time frustrated
Consumer complaint received 2024-11-26
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV INC. (CA)

On Monday XX/XX/XXXX when the card arrived in the mail, I was informed the account was compromised before it was activated. That the account was to be closed and remaining balance was to be sent by mail to my home. The only way the card could be compromised was in transit which would have non of my personal information or from XXXX itself or affiliated partners.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit union inadvertently overpaid my Capital One account by {$1600.00} on XX/XX/23. I contacted Capital One on XX/XX/XXXX  to request a refund and was told it would be a 5 day waiting period then 10-15 business days before I would receive the refund. The overpayment was due to a balance transfer mixup at my credit union. I called Capital One on XX/XX/23   because my account still shows a credit balance of {$1600.00}. I was told the refund hadnt been processed yet. I need to put that money back into my credit union credit card account and cant use the Capital One card because any charges will be deducted from the credit refund first! Capital One is slow rolling my refund request and theres no one else to speak to.
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (TX)

They have sent me a promotion to receive a {$400.00} Statement Credit when I open a new checking account. But when I attempted to open the account, they stated I had previously opened an account so I was unable to be qualified for this promotion. I previously tried to open an account online but I was told that the account was unable to be opened. I contacted them multiple times and they said the account was not opened. I have not previously opened an account with Regions Bank, so I should have the opportunity to take advantage of this promotion.
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Mortgage Back Securities Fraud from XXXX XXXX TO ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  all are guiding of securities fraud, mortgage and deed and assignment of mortgage and pooling fraud.
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 
XXXX XXXX, XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I went to a local JP Morgan bank here in XXXX XXXXXXXX XXXX At that time, we gave the bank officer money and he in turn gave us 3 Chase Cashiers Checks. On the Chase checks, the date was listed and it said that they were void after 7 years. On XX/XX/XXXX and XX/XX/XXXX, I deposited the checks into our checking account. All three checks have been returned, as there are no funds available concerning these checks. The checks are worthless. After having a case started and speaking with the branch manager and numerous people in the Escalation Dept, it was determined today that Chase declared the checks as unclaimed funds sometime in XXXX. I was told by a person called XXXX in the Internal Dept of Chase that she has no idea where the money went. She said it could be in XXXX XXXX, or possibly XXXX. She didn't know and it was my job to find it. She would also not tell me what city she was located in. 

At no time did I ever receive notification that my checks were useless as they state on the check that they are valid for 7 yrs. Can someone please help me locate my money, as a XXXX search produces no results for unclaimed funds under our names.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2022 I applied for 2 remote data entry positions through Upwork.com and was selected to interview for both, the interview was exactly the same, communicated using XXXX app Company 1 : XXXX XXXX Username : XXXX XXXX XXXX and Company 2 : XXXX XXXX XXXX XXXX XXXX : XXXX I was instructed to sign 2 offering letters, then provide Name, Address, and phone number in order to send Equipment ( laptop with security software, printer, etc.. ) to me for work. I was then informed that I will responsible for the payments to the vendor prior/upon delivery of equipment 's and that the funds will be provided by them. They proceeded to send me a picture of printed checks and instructed me to proceed with a mobile deposit XXXX Bank of America ), one in the amount of {$2300.00} ( BoA confirmation # XXXX ) and the other in the amount of {$1900.00} ( BoA confirmation #. Once I was completed, I was told to send proof that I completed the deposit and was asked to proactively go ahead, and send money to separate vendors. I did not agree to do so and informed them that I had to wait for the funds as I didn't have any and will do so after. XX/XX/2022 I was at the airport and tried to multitask ( sending money to vendors and deal with travels ). The funds were available by morning so I proceed to process payment to the vendors. I failed to process payment through ( XXXX ; XXXX XXXX, XXXX and XXXX; didn't allow me to add my card ) so I was instructed to complete all transfers through XXXX platform and sent screenshots of proof. Transfers completed by the following separate amounts ( Was in a hurry to go have lunch in piece with my family after picking me up from the airport ) For XXXX vendors : {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), {$500.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ), For XXXX vendor ; {$1100.00} ( XXXX XXXX ; XXXX ; confirmation # XXXX ) {$350.00} ( ( XXXX XXXX ; XXXX ; confirmation # XXXX ) I have reached my daily XXXX transfer limit of {$3500.00} so this is where my transfer had stopped. It didn't dawn on to me that I was being scammed until I finally sat down and ate while excitingly sharing with my family members of my new job offers. 
I was then transferred to the BoA XXXX department to explain of what happened and without notice, I was sent to a automatic notification where it tells me that I will receive something in the mail and that a new card will be sent to me then the call ended. ( This complaint has nothing to do with my card. Only unauthorized XXXX transfer ) It has been close to 30 days now and I still have not received anything in the mail other than the notification that I was charged for the amount that were stated in the checks.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (GA)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX RE : COMPLAINT AGAINST BANK DEBIT CARD : VENMO / PAYPAL MY CARD NUMBER # XXXX ( THIS IS MY NEW CARD ) EXP XX/XX/XXXX UPON REVIEW OF MY STATEMENT IN XX/XX/XXXX I FOUND THAT I HAD TWO UNAUTHORIZED CHARGES- THAT I MDID NOT MAKE, NOR AUTHORIZE, NOR RECEIVE ANY SERVIOCES, GOODS, PRODUCTS, ETC FROM. 

IN TODAYS TIME AND WITH ME HAVING XXXX AND ALREADY BEING OUT OF WORK AND IN THE XXXX THIS IS WRONG TO HAVE MONEY TAKEN OUT OF MY ACCOUNT AND YET VENMO DOES NOT HAVE ANY CONCERN OR PROCEDURE TO STOP THIS FROM HAPPENING. RETURN MY MONEY, REVERSE THOSE CHARGES, ETC. 



I FILED NOTICE TO VENMO IN WRITING ON XX/XX/XXXX ABOUT THESE TWO CHARGES ONE FOR {$120.00} AND {$37.00} AND I DID IN FACT GET A VERIFICATION LETTER BACK STATING THEY RECEIVED MY REQUEST AND WPOULD PROCEED TO CLEAR THIS UP. 

NOW IT IS XX/XX/XXXX AND IT HAS BEEN 45 DAYS AND NOTHING HAS BEEEN DONE? THIS IS WRONG, BEING THAT THEY ARE A LICENSED BANK IN THE UNIOTED STATES AND THEY JUST DONT CARE? 



I AM REQUESTING TO REVERSE THOSE CHARGES AND PERSUE THE VICTIM I NEED MY FUNDS BACK PLEASE HELP!!
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

my bank account was transferred unknowingly to the citizens bank from another bank. 
This bank charged me dormant fee at first. and I suddenly knew it at first So I set up the direct deposit to make sure the there is no dormant fee. 
However, I just found they also started charge the service monthly fee without known. 
My original bank has no fee at all. This is not the bank/bank account I was setting. 
the bank told me this is the paper delivery fee, but I was not noticed at all. Neither it is the default value. Neither it is what originally I set the account with another bank. 
I called the bank, and talked to customer service, agents /superviser, but they refused to refund the money back today. XX/XX/2006. the amount is only totally XXXX dollars though. 
This bank is a robbery. consumers should be aware and away from the bank. 
and this bank should be punished as well. 
A bank grabs accounts from other banks without notifying me and sends no information. 
It also kept charging all kinds of charges without notifying customers.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I requested for XXXX, XXXX and Experian to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.