davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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 (TX)

On or about XX/XX/XXXX i had ongoing charges to my checking account via someone who had hacked my XXXX account which was linked to my bank and other financial institutions. The bank issues a new card and the charges continued. I assume they were able to get my online banking information. I filed a report with the fbi cyber crime website and contacted my bank to tell them this. The theif ended up taking XXXX from my account between XXXX XXXX and some other crypto currency websites that were unauthorized. The bank informed me yesterday that they will not be paying me back for those fraudulent charges. However they did pay me for XXXX that had been taken out 2 days before the XXXX was run through my account XXXX at a time for an entire day. How does that seem logical? No explanation what so ever they just flat out denied the charges.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: HYUNDAI CAPITAL AMERICA (IL)

In order to pay off an auto loan balance, I mailed a bank check for {$28000.00} on XX/XX/XXXX. The check had not cleared or been shown on my loan balance as having been received, so I made additional payments in order to keep the next automatic withdrawal from occurring, assuming the check had been lost. I sent three separate online banking payments, one of {$10000.00} onXX/XX/XXXX, one of {$9000.00} on XX/XX/XXXX and one of {$9400.00} on XX/XX/XXXX. This morning, the original check of {$28000.00} cleared my checking account. I immediately contacted Hyundai finance, they acknowledge they had received double payment, and said that it would be 15 business days before the refund would be issued by snail mail. It seems a direct wire or bank transfer is the proper way to handle a refund of this magnitude.
Consumer complaint received 2022-04-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I was a renting an apartment. My lease ran out. 2 differnt groups bought the apartment complex after my lease was up. I had no problems until I was late on payment 1 time by 3 days. Apon getting the notification I payed in full with all late fees. After I recevied a XXXX XXXX late fee notice. The next month i recived a {$140.00} late fee notice, a letter that said I owed the previous company, then a letter saying i had no lease, and several illegal threats of eviction. I asked for proof of me owing the previous company, they sent their ledger which started with a late charge and no explination why. It had several mathmatical errors. I sent back a list of errors. They then falsafied the ledger to try to hide their attempted fraud. I had enough moved out, turned in keys. Two months later they called and threatened to evict me however i didnt live their for two months. I then attempted to talk it out over email with them. They figured out I was documenting there illegal acts and refused to talk to me. This company usally takes people to court, however in my case since I have evidence of their fraud and it would cost me more to take them to court than the debt itself, they used the three credit bureaus as their fraud enforcement. I have submitted enough evidence to prove what I have said, and even gottin a letter from them saying that the colloecter can not prove im incorrect, however they are more than happy to remain as fraud enforcement lackys. So i guess if you want to defraud someone just open an llc, make false ledgers, then sell your false ledgers to a debt collector and the credit bureau XXXX will back you.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX of XXXX, the XXXX XXXX XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and XXXX dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from XXXX and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with XXXX, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 i was suppose to recieve my EDD Bank of America debit card turns out that my mail was tampered someone activated and made transactions on my debit card I reported it ever since Ive been getting the run around funds are being deposited into my account but Im unable to activate my card, they sent me a new card and been calling Bank of America almost everyday since all this started they tell me to call them in 72 hours or other excuses Ive been waiting to access my funds for long time now I wasnt able to buy XXXX presents due to the fact that I cant activate my card.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX, 2020, a set of eyeglasses I had purchased with my American Express credit card were stolen from amongst my possessions, while I was having coffee and spending time at a local XXXX. The glasses were not visible to the public ; they were secured in a pouch along with other personal items when not on my face. Also, the pouch was not exposed in a common area, such as on my table. Rather, it was hidden on a chair beside the chair I occupied. The coffee shop is protected by surveillance cameras, staff baristas, private security and XXXX XXXX XXXX XXXX XXXX. The theft was reported to all parties, but search results were negative. American Express purports to offer purchase protection insurance, but draconian terms and conditions are imposed. A theft must occur in a utopian situation absolutely devoid of the possibility of theft before a claim will be honored, conditions so favorable to Amex that insurance of any kind would be superfluous, unnecessary. The basis of Amex 's claim denial is that I did not maintain the necessary security, a finding which defies credulity. Please use the authority of your office to have Amex reverse its baffling decision and honor my claim.
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Cash Central USA took XXXX from my account that was not authorized. They asked to do a test transaction and they took XXXX from my account. I asked them what they were doing and they said I'd get the money right back. I have not received the money.
Consumer complaint received 2022-04-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Consumer complaint received 2023-03-08
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. (WV)

I have placed XXXX seperate complaints to Equifax, XXXX, and XXXX about WV Department XXXXf Health from XXXX  that is outdated and still being reported without my express written consent from me to place in my consumer report. I have pointed out the date and incomplete data and asked them to remove it. Equifax, XXXX, and XXXX keep telling me that it has to stay on my report because the company says so.
Consumer complaint received 2021-11-22
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$890.00} ( Original Creditor : XXXX ) XXXX*Balance Owed : {$100.00} ( Original Creditor : XXXX ) XXXX Balance XXXX : {$170.00} ( Original Creditor : XXXX ) XXXX Owed : {$180.00}
Consumer complaint received 2019-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I am a California consumer. On XX/XX/2019 I asked the Representative if I was being recorded because I noticed that it was not disclosed to me at the beginning of the call like it normally is. I did not get any notice until I asked if it was being recorded. Please communicate in writing only and pay me for damages. See attached letter.
Consumer complaint received 2020-07-08
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. (NJ)

In XXXX of XXXX, the XXXX XXXX XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and XXXX dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from XXXX and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with XXXX, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.
Consumer complaint received 2021-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (NC)

I recently received a copy of my 3 credit reports and noticed AmeriCollect were reporting that i owe two separate debts for {$750.00} and {$710.00}, when i was made aware on this collection was reporting in my credit file i sent 3 letters requesting information about this debt the first was sent on XX/XX/2021 and they never replied back, the second was sent on XX/XX/2021 and they never replied back. 

i never signed any contracts, agreements or documents with AmeriCollect or anyone they are collecting for, i never provided Americollect with my personal information which includes my social security number, address, phone number, dob, name. 

i never gave permission for Americollect to access my private medical history or very private medical records.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: GFS II, LLC (MI)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written Instructions.
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX Amt {$1000.00} XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$67.00} XXXX XXXX- Acct # XXXX Amt {$0.00}
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (TX)

in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting 11 inquiries to my account, only 3 of them are valid. The others are not authorized and need to be removed : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-07-08
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: Santander Consumer USA Holdings Inc. (IL)

I purchased a new vehicle from XXXX XXXX and the traded in my old car that I owned through Chrysler Capital. My Payment was due on XX/XX/XXXX and was the exact date that the Payoff Balance was supposedly entered Chrysler Capital system. Chrysler Capital sent me a payment statement via email as to say that the payment was received in a lock-box previously and entered on XX/XX/XXXX. My Issue is that with Everything is taking a very long time to process and most companies aren't even allowed to be open because of the Pandemic if they were not considered essential how was the payment processed in a timely fashion? So how was my payment considered late if it was mailed? Extra time should have been allowed because of the extenuating circumstances. I do not believe That I should be penalized with a 30 day late mark on my credit for something that I had no control over. The company stated that the payment was on the way so it was no need for m to make an additional payment. I however, should not be held responsible for when it was entered into the system, which was suspiciously exactly on the XXXX Day. I've had the vehicle for 3 years and I do not have any late payments except for the pay off balance which was paid by another company. This is ruining my credit with this 30 day late mark and I think that it is unjust and undeserved especially during this time that the world was practically shut down and I had been paying before being considered 30 days late. Can I please get some help with this? Thank You
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I initiated two XXXX transfers from my Bank of America checking account to XXXX XXXX in XXXX NC and his wife XXXX at their respective accounts at XXXX  ( {$1500.00} ) and XXXX XXXX ( {$500.00} ) XXXX  for purchase of a personal item. 

After making the payment and while negotiating details of the shipment the following day XX/XX/XXXX, XXXX XXXX repeated denied receipt of my transfers and could not provide a valid document for the shipping service. Then I realized the risk of my getting scammed, hence would like to get a refund of total {$2000.00} which have already been deducted from my account balance.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MN)

In XX/XX/XXXX all XXXX of my children were diagnosed with XXXX. Our only source of income, my small business, was forced to be shut down for the entire month to comply with governor 's orders. I called Wells Fargo to ask for a 2 month deferment which was verbally granted by the woman I spoke with. I was so grateful. Then in XX/XX/XXXX I saw that the deferment was not processed. I called Wells Fargo to discuss. The gentleman I spoke to said that there was a mistake and he would pass this along to the manager to remedy but the manager was out at the time. Nothing was communicated with us until I called to follow up on XX/XX/XXXX when I spoke to XXXX from the Executive Office. She said that XXXX ( Wells Fargo employee ) would be calling me in 48 hours. No one called. Then on XX/XX/XXXX I called again and spoke to XXXX. She had said that now XXXX was assigned to our case but he was away from his phone and he would be calling us back ASAP. No one called. Then on XX/XX/XXXX we received a letter saying that XXXX XXXX was working on our case and we should expect a response by XX/XX/XXXX. There was no response. I called again on XX/XX/XXXX and spoke to XXXX. She said that XXXX was unavailable but that he mailed a letter our asking for more time until XX/XX/XXXX. Then on XX/XX/XXXX we received another letter once again asking for more time until XX/XX/XXXX. Then on XX/XX/XXXX we received a letter from XXXX XXXX XXXX that there was a " delay in processing your request for COVID-19 payment assistance '' and that they processed & corrected. Finally after many months Wells Fargo Executive Offices can see what we've been saying all along. HOWEVER, they DID NOT remove any late fees or delinquent payments to our account from XX/XX/XXXX - XX/XX/XXXX. I spoke with XXXX XXXX on the phone on XX/XX/XXXX and asked him to please remove these fees and delinquent payments because we were simply waiting on Wells Fargo to get back to us on the case. He informed me that he would not do that even though no one ever informed us from the executive office that we needed to make payments while they were working on the case. So what has happened is Wells Fargo made a mistake, took 6 months to remedy that mistake and has racked up late fees and damaged OUR credit in the meantime. Wells Fargo has actually MADE MONEY off of a woman small business owner while trying to keep my doors open and raise XXXX small children in a pandemic.
Consumer complaint received 2021-09-22
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. (DE)

Reference to complaint # XXXX, XXXX Consumer solutions ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX  or court, but they continue to delay or ignore.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, HI, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, HI, XXXX, XXXX XXXX XXXX, XXXX, HI, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX