davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (KY)

On XX/XX/XXXX I attempted to use on of my First National Bank of Omaha credit cards and the purchase was denied. I then checked the website and app and it said there were technical issues and to try again later. I called in and was transferred to department that said my account was currently under review and they would let me know when the review was complete. 

On XX/XX/XXXX I logged in to the website again to redeem my balance of rewards which were XXXX on card ending XXXX and XXXX on card ending XXXX. Again, it said there technical issues and to try again later. I was unable to redeem my rewards at this time because my account was still locked. 

On XX/XX/XXXX I called in to FNBO and asked for an update. I talked with XXXX in the high risk group and he told me that my accounts were still under review and that I would get a call when completed. 

On XX/XX/XXXX I called FNBO again and was able to get transferred over to the rewards group ( XXXX ). They informed me that FNBO closed my cards on XX/XX/XXXX and my rewards balance was forfeited as a result. I explained that I was trying to redeem my rewards prior to closure. They transferred me back to customer service. I asked customer service to please allow me to use my rewards and they told me the same thing. 

Its clear that FNBO used the locking of my account as a way to disallow me to redeem my rewards.
Consumer complaint received 2021-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (MD)

I was recently alerted, by XXXX XXXX, to a reporting of a medical debt. The debt was reported by Credit Control Corporation located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

However, the debt is not mine. According to the report, the charges originate from services provided at the XXXX XXXX XXXX XXXX and by XXXX XXXX of XXXX. However, these establishments are located in XXXX  XXXX - somewhere I've never resided or visited and occured during times that I lived elsewhere. Further, I am fortunate to be fully insured. If I have to visit a medical facility, I'm covered. The impact of this likely clerical error to my near perfect credit has been detrimental ( a loss of XXXX points on XXXX  ).
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I have sent 2 letters to this company asking for verification of debt. It has been over a month since my first communication. First letter was sent on XX/XX/2021. Second letter was sent on XX/XX/2021. I have yet to receive any response in accordance to what I owe and verification of debt.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/22 a checking account was opened in my name with Bank of America using my old email address. I was notified of the open account. That same day I called BofA and notified them of the fraud and they closed all accounts. The accounts had a {$0.00} balance. 


On XX/XX/22 a checking account was opened in my name with XXXXXXXX XXXX. I received a letter on XX/XX/22 notifying me of the open account. That same day I called XXXXXXXX XXXXk and notified them of the fraud and they closed all accounts. The accounts had a {$0.00} balance. 

I reported the fraud to XXXX and they put a Fraud Alert on my account. 

After filling out this form I will be contacting my local police department to report the fraud as well. 

It seems these accounts were all opened on line with most information matching my info except for DL #.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

I have reached out numerous times via phone and by mail to get a clear copy of the original contract and initial paper along with ALL Statements/Bills with no success. I am simply reaching out to them to get these documents for my records.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

I've had multiple calls with Syncrhony Card Security department. They have been charging me a Card Security fee that I had never noticed until this month when completing company expense reports. I used my PayPal XXXX XXXX ' account, which is powered by Syncrony XXXX Upon further digging and calls with this department realized they have been charging me this since 2009. On my last call, I made them cancel and prior to hanging up the rep offered me ~ {$1100.00} refund on the phone, which I took as an immediate acceptance of fault and explicitly stated " I don't accept this offer, I want a full refund because I never authorized this service ''. He said their department would be in touch within the next 3 business days -- that was 2 weeks ago. Since, I logged into my Paypal account today and noticed a credit of {$1600.00}, which I did not accept or authorize. For at least 18 months they have charged {$160.00} per month for this stupid 'card security ' benefit/service, so the above credit doesn't even cover the year they have fraudulently taken money from me. My only request on my last call, which I have not received yet, is that ( 1 ) I wanted a report of every month this fee was levied and ( 2 ) I wanted all of the metadata on any click-through or acceptance I had every executed, which shows that I acknowledged purchasing this service so that I could give both to my legal team and instead of giving what I requested, they have attempted some arbitrary credit. I've included my last written correspondence from them, in which you can see there is no mention of a refund, just acknowledgment of cancelation of the service. 

At this point, this particular department and bank is not listening to my requests, and I frankly am not sure what to do at this point other than leverage CFPB.
Consumer complaint received 2021-04-12
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. (MD)

I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.
Consumer complaint received 2024-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OK)

Bank refused payment multiple times over 2 year period, XX/XX/XXXX to XX/XX/XXXX. I had to drive 45 mins to the nearest wells fargo location multiple times to sort the issue out with a bank manager until the summer of XXXX. In the end, I either missed a payment in XX/XX/XXXX, or they wrongfully didn't add the payment into the loan. I continued to make payments until they charged off the account and refused to accept the continued payments of the loan. 
They have also mischaracterized details of the loan on my credit report. Total loan amount was over {$23000.00} with the remaining balance between {$14000.00} and {$15000.00}
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (UT)

Paypal let XXXX charge me for fee, but i never gave XXXX my credit card ever.My credit card is New replacement XXXX  gave me, Like i told FTC XXXX, Paypal, XXXX, XXXX, XXXX all some how saved my credit card file with Drop-Down Menu i only gave my new card to paypal, i gone through set-up.XXXX  have no permission charging fees for XXXXXXXX XXXX XXXX XXXX XXXXXXXX design and they have me test games.Games XXXX owes me over XXXX XXXX i download games not paid me yet.But XXXX /developers say they monitor me and data.i got proof of transaction XXXX owes me monthly payments ...
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.
Consumer complaint received 2021-01-13
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. (PA)

I NOTICED SERVERAL FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE THE FOLLOWING ACCOUNTS ARE FRAUDULENT TRANSUNION : XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX Account numberXXXX  Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX  Account numberXXXX Date opened XX/XX/XXXX
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (CA)

On XX/XX/2021 while searching for locations to cash my first SSI check I stopped by a bank to see if it would be easier to open an account with the bank. Unfortunately, the bank teller requested two forms of identification. Usually, when two forms of ID is requested, most commonly I've used my government issued identification card along with my social security card. The teller told me that the social security card wasn't a valid document for identification. I offered my birth certificate & the teller asked if I didn't have a card with my name on it. I stated that no I didn't, it was my first time opening a bank account. Therefore, I was denied to open a bank account, along with denied to have my SSI check cashed. Afterwards, I ended up to going to ACE Check Cashing. I had no problem cashing the check, requesting a prepaid card, & even opening an account with ACE ELITE PREPAID CARD. Including, I had deposit on my Ace Elite account {$1000.00}. 
On the morning of XX/XX/XXXX, I received a text message alert from the Ace account stating the following : " The Ace Elite Card you ordered can not be delivered. Call XXXX and press 1 to update your address and get a new card. '' Therefore, I called & the first customer representative that answered I gave him my information & then he put me on hold for a few minutes. Next thing I hear its a different customer representative answering. I provided my information once again. I was put on hold & then the customer representative couldn't provide me accurate information. As a matter of fact he stated " The card was sent to the address on file but it was sent back & it couldn't be delivered ... '' I thought how was it possible to have the card sent to the address when 24 hours have not passed from opening the account. I requested to speak with a supervisor. Unfortunately, things went from bad to worst. The supervisor attended me I told her the situation & since my fiancee is going through the same situation. Where the same financial institution is misinforming their clients. She was upset & told the supervisor how can they work the way they do. How can they disrespect their customers by misinforming them. I asked the supervisor if I could continue to use the money that is already in the card. She literally avoided answering my question & went on with stating that my account was active but not completely. When I reached my boiling point, I requested to speak to another supervisor. She answered that she was a supervisor. As if there wasn't any other supervisor available. I stated that she wasn't the only supervisor working there. She then stated that she would transfer me to another supervisor but I would be on hold for a while before someone answered. I waited for 20 minutes before I hung up the call. Due to this disrespectful manner of working I'm submitting this complaint.
Consumer complaint received 2022-07-22
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is reporting wrong information on my report. This debt has been on my credit since XXXX and it seems that every year they change the reported date to the year we are in. That is fraud. Also they are showing on all three credit Bureau as three different negative accounts that incorrect and since XXXX They are listed negative twice as XXXX and once as the collection agency that bought the debt. I have been reporting this to be corrected.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (FL)

XXXX XXXX XXXX is trying to collect on a debt not owed the Company received their property back they never informed me that additional charges would be placed on my credit reports this company has placed a collection account on my credit file when nothing is owed to them they stated if the property was returned they would not seek any further collection this company lied to me and is damaged my credit with this bill when their property was returned
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

I requested a payment extension for XXXX and XXXX, assuming the bill would be due in XXXX. I was given the extension for XXXX and XXXX instead, bringing my balance to XXXX to be double what is supposed to be and shocking me. I have tried calling XXXX and get hung up on multiple times. I do not need this to report late on my credit report and you have been ignoring my request to change the due date multiple times already. Awful customer service. You are going to ruin my credit score. Late charges too but was told I wont incur late fees until its 10 days past due. Not receiving statements in the mail on time. Can not speak to anyone. I want this late fees removed and do not report my payments late! Change my payment due date as well. Terrible. Will never buy XXXX in the future.
Consumer complaint received 2022-07-22
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: ALLY FINANCIAL INC. (MS)

In accordance with the Fair Credit Reporting act Ally Financial 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. ( i never gave Ally Financial permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( Ally Financial has reported several late payments on my XXXX and XXXX consumer report, under an open end consumer credit plan. )
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XX/XX/XXXX, I responded to an offer from Bank of America that required one to open a new checking account and make two direct deposits of at least {$250.00} each within 90 days. According to the attached notice of terms, a bonus of {$100.00} would be deposited in my checking account within the following 60 days. 

After I enrolled for the offer on XX/XX/XXXX, I received a letter via regular mail from Bank of America dated XX/XX/XXXX that stated the requirements of the offer and included a reference number XXXX ( see attached ). 

I made the two required direct deposits in my checking account : the  first on XX/XX/XXXX for {$250.00} ( salary ) and the second on XX/XX/XXXX {$1000.00} ( pension ), well within the 90-day time frame. The terms clearly state that the {$100.00} bonus would be credited to the  account within 150 days of opening the account. On XX/XX/XXXX, I spoke to XXXX in the Advanced Client Solution Department ( XXXX, GA ), who confirmed that the bonus would be credited to my  checking account by XX/XX/XXXX. When it was not, I called this department again on XX/XX/XXXX, speaking to XXXX in XXXX XXXX, TX. He researched the issue more fully, stating that I most certainly qualified for the bonus as I made the two required direct deposits within the 90-day time frame. He promised he would escalate the case and that I would receive a call from Bank of  America by XX/XX/XXXX. 

When I did not receive a call -- - and the bonus had still not been credited to my account -- -I contacted the Advanced Client Solutions department once again on XX/XX/XXXX, this time speaking to XXXX XXXX in Arizona XXXX He said that the escalation team is holding up the decision and there was nothing he could do. 

Therefore, I ask that your organization request that Bank of America upholds its end of the bargain and pay its advertised bonus of {$100.00} to my checking account as soon as possible. 

Thank you.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TN)

I left XXXX XXXX XXXX XXXXXXXX XXXX, an apartment complex in XXXX, VA some months back. I figured there might be some balance due. At the time, provided forwarding information by email and return phone call. I heard nothing for several months. Then I began receiving repeated calls from " The office of Hunter Warfield ''. They call using a variety of 8xx numbers, and do not leave a message. When I have answered and spoke to them, the have a long introduction that makes them sound like a federal agency. 

However, in my specific case, they start off about collecting a debt after numerous attempts to contact me. After some questions, I find they have been sending letters to an address I am not at. I give them a proper address for postal mail and an email address. I receive nothing from them at either the postal or email. 

And then I receive another phone call. Same speil. 

So today I called the leasing office to ask what is the deal. And I find that I have a XXXX balance!! There is no reason for Hunter Warfield to be calling me. 

As a certified communications engineer, I consider this to be harassments and fraud by telephone, across state lines, which is a felony under FCC rules. Any further calls or other communication from this firm will be handed over to the FCC and Attorneys General of  Virginia and Tennessee, along with alerts to the media for suitable judicial action. 

Do not harass me by phone and commit fraud trying to collect a debt I do not owe. 

A XXXX Search shows Hunter Warfield at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX It appears to me that the landlord is not the problem, but the collection agency is.
Consumer complaint received 2022-07-22
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. (TX)

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this COMPLAINT to help establish a legal recourse. If EXPERIAN, XXXX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXXXXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ;