davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

whom it may concern : On XX/XX/XXXX the balance in my Savings Acct at the Bank of America ( B of A ) was {$80000.00}. On the morning of XX/XX/XXXX, I signed in to my computer to pay my monthly bills only to find out that B of A had debited my account for {$80000.00} leaving me with {$500.00}. I called B of A at XXXX XXXX on the XXXX  of XX/XX/XXXX, only to spend the next hour on the phone with customer service with no success. During most of the hour, ( the last 15 minutes of which I was left on hold ), I was asked many questions about my financial history. Did I ever do this or do that etc. Finally, at XXXX XXXX I hung up from B of A and went across the street to the B of A branch, at which I have my account. The bank representative XXXX XXXX had not the slightest idea what had happened. After one hour and 15 minutes with no success, I left and left my number with Mr. XXXX so that B of A could call me. During the morning I received many calls from B of A, asking many pointless questions like if I had a business : if I had joint accounts at B of A etc. to help them determine what the problem was. At around XXXX on XX/XX/XXXX, ( 4 hours after this search started ), I received a call from B of A ( XXXX XXXX (? ) saying the debit was for an amount of money B of A had written off years ago. This representative was very sketchy on details and made many erroneous statements ( like arguing that the money was taken from my checking account and not my savings ) trying to justify this debit to my account. I inquired why I had not been contacted. He replied I would be receiving a letter from B of A soon. It is now 5 days and I have seen so such letter. How can a bank pirate a customers account of over $ 80K and there is no communication on the matter?. 
I am a retired senior. I am a twice  XXXX survivor who needs to take meds with a huge co-pay. In XX/XX/XXXX I had XXXX  XXXX and now require drops whose co-pay over {$100.00} per prescription plus a XXXX XXXX that requires an additional prescription with a co-pay of {$120.00}. Also I have to take XXXX XXXX XXXX pills daily. My mortgage and other direct monthly payments are funded from this account. I have XXXX  XXXX scheduled for XX/XX/XXXX. I have expenses associated with this. 
I cant believe that B of A, after being with them for over twenty years, would seize my money. My life is now in a total tailspin. To add insult to injury, the B of A representative said they left the {$500.00} in the account to save me the service fee that would be charged if the account fell below {$500.00} Thanks a lot, BANK OF AMERICA. Living up to your slogan, " Life 's better when we're connected. ''
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc. (CA)

A collection was added to my XXXX and XXXX  Credit report by " Trojan Professional Services '' a collection agency representing " XXXX XXXX XXXX XXXX '' The date of service that I went to this XXXX   was in XX/XX/XXXX. On XX/XX/XXXX a collection amount of {$1300.00} was added to my credit report. Prior to this I had not received anything from this XXXX   office to remit anything owed as I had private PPO XXXX  insurance that covered the cost in full. I have submitted supporting documents from XXXX XXXX XXXX XXXX insurance to both Credit Bureaus who subsequently forwarded the information to Trojan Professional Services.  The supporting documents show the date of service and a check number and amount of check that was submitted to pay the balance that Trojan Professional Services is claiming. I have disputed this same matter EIGHT ( 8 ) TIMES and TPS is refusing to remove this information from my credit report which is damaging my credit score.
Consumer complaint received 2019-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. 

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself. 
Please investigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX  ; XXXX and Transunion are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported inXX/XX/XXXX and XX/XX/XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as theXX/XX/XXXXpayment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Consumer complaint received 2019-05-30
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. (AZ)

Equifax ; XXXX and XXXX are reporting a 30 day late payment on the XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried multiple times over the past couple days to request my TransUnion credit report. Only after I submit all my information does the website state that it is experiencing technical difficulties and to call the number XXXX XXXX XXXX XXXX XXXX. The number is for requesting a report by phone or provides addresses to request my report by mail, but no assistance to their malfunctioning website. 

I was under the impression that the credit bureaus had to provided this information upon request, so far my requests are met with ubiquitous errors and vague phone trees.
Consumer complaint received 2019-05-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (NC)

I've had numerous conversations with this creditor and advised that I can not receive calls at my job regarding this matter. Creditor has my personal contact information and despite me advising that i can not receive these calls they've still attempted to contact me at work as recent as today XX/XX/2019.
Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/19 I disputed the XXXXXXXX XXXX XXXXXXXX account with Transunion and demanded a deletion. Transuinion verified that the debt was valid. XX/XX/19 I requested the method of verification from Transunion. They never provided the documents. They only updated the account was verified. I also requested validation documents from XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX did not provide the documents I requested. Clearly if they didn't provide them to me. They didn't provide them to Transunion. Transunion has failed to provide a throrough investigation of this account which is a violation of the FCRA.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

For many years I have been receiving daily calls from Portfolio Recovery, despite having informed them they have the wrong number and I am not the person they're looking for, and repeatedly asking them to remove my phone number from any accounts or lists they may have on file. Although I have received a variety of responses from the caller ( from courteous to incredulous to rude ), they have yet to remove my number from their system.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I paid off my best buy card in full. 
Bill states they owe me a XXXX Then they add a XXXX late fee with interest attached to late fee. 
I called and tried to straighten it out. They refuse to remove late fee and interest
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Paypal has locked my account because they believe it to be a business account. It is not. Attempted to provide verification information they requested. They never took action to unlock account. I just want the account closed permanently. CLOSE PAYPAL ACCOUNT : XXXX XXXX
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is in response to reply given by TransUnion for complaint number XXXX. I am hereby logging the complaint again as directed along with asked proofs. I will like to clarify that I do NOT have US passport as I was always XXXX citizen in USA and now as well. I can submit an expired copy of US permanent resident card or current XXXX passport. Kindly advise to get my US credit report at my XXXX address. I am hereby submitting XXXX government issued identification XXXX address proof as well bank statement for address proof as directed as two proofs from the prescribed list by TransUnion. I look forward to my credit report at the earliest.
Consumer complaint received 2019-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

Please have them remove XXXX XXXX XXXX from my credit file. Im a senior citizen and it bothers me to see that this has happened. Its not fair to the consumer when this happens. I reach out to you because resources are limited. It keeps appearing under many different names and I have to keep writing to you.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA closed my limitless credit card, a discontinued product, for unwilling to pay out rewards that I've earned on the account. There has been no activities on the account that warrants such closure other than the fact that I've accumulated rewards and they don't want to pay out. When contacted by phone and chat, USAA agents simply claimed they don't know why the account was closed it just was, perfect excuse to not pay out rewards due. If they want to discontinue an unprofitable product I am fine with USAA switching my credit card to another product, but not outright close my account.
Consumer complaint received 2019-01-30
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. (PA)

I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness
Consumer complaint received 2019-01-30
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: AMERICAN EXPRESS COMPANY (CA)

I applied for the American Express Gold card with the referral link from my friend, which says I will get XXXX XXXX points after spending {$2000.00} in three month. When I applied for it online, everything seemed fine and the website DID NOT say I will not get the welcome bonus. However, after spending {$2000.00}, I didn't receive any bonus, and I called their representative. The first representative lady told me that I should be able to get that bonus, and let me wait for a month to see if that is the case ; turned out no. Then I called again, the second representative said that she would file a complain for me and let me check after 4 weeks ; no one contacted me since then and after I checked, nothing has happened and my bonus was still declined. It was after several calls and about 2 months that a representative finally submitted a CASE to research for me, and I was just told that my bonus was rejected by the system and there was nothing they can do about it. This is unacceptable that I wasn't informed that I can not get the bonus before I submitted my application. This is fraud.
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION (TX)

I did not authorize this {$2900.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) XXXX  XXXX  XXXX
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: H&H Legal Support Services LLC (OK)

In XX/XX/XXXX I took my dog to XXXX XXXX XXXX. It was supposed to be a free visit because I adopted her from the animal shelter but while there I let them guilt me into all sorts of other things she needed and they put me on a payment arrangement with post dated checks. I had it down to {$40.00} owed still with that split into two more checks when my bank account was compromised and drained. I called them immediately to cancel those checks. A week later my dad and cousin died and dealing with the funerals I forgot to get back with them. The vet then tried to cash the checks anyways and charged me NSF fees since the checks didnt go through then sent a balance of {$170.00} to H & H legal to collect the debt. H & H called me one time to collect the debt and I told them I didnt have it as I had to borrow money and spend all my money on my dads funeral and was homeless at the time. They then took it to small claims court, added a bunch of fees to it, when I was served papers I begged and pleaded with them to allow a payment arrangement instead of going to court or let me call in or change court date as I was on strict bed rest. They refused so they won their case because I didnt go to court, I was never set anything with my new balance. H & H then had two additional court dates that I was never notified of at all that thy added attorney fees and court costs for because I didnt show up. We then had court on XX/XX/XXXX that I was finally notified of so they could get employment info to start garnishing, they showed up an hour late to court and asked my info, due to health reasons I dont work because I was in a bad accident. I asked th that day to send me an itemized statement since they have all these other fees added and to set up a payment plan. They said theyd send my statement and that it includes initial balance, interest, attorney fees, and court costs. The initial small claims docket says they only got the XXXX plus attorney fees and court costs. Nothing about interest. To this day ( XX/XX/XXXX ) I have asked via writing and in person 7 times in writing and once in person for a statement and have been ignored every time or told they would send it and they still havent.
Consumer complaint received 2019-05-30
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. (NJ)

The collection account appearing on my reports from XXXX XXXX XXXX is fraudulent. I've never had a XXXX account. The account was opened up fraudulently without my knowledge and or permission.