davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NY)

I am a former Simple Bank customer, which transferred all customers to BBVA USA mobile banking in the summer of 2020. I called BBVA USA on XX/XX/XXXX to reverse overdraft fees for an erroneous credit card transaction. They did so and confirmed that overdraft protection was on my account. 

The next day, BBVA USA assessed two return check fees for automatic transfers of {$250.00} a piece citing " insufficient funds. '' The problem, however, was existing funds of at least {$400.00} were in my account the night of XX/XX/XXXX. In addition, overdraft protection was turned on that day to restore my account to the standard that Simple Bank once had. The customer service representative I spoke to confirmed that overdraft protection was on on his end, but that I would need to step into a physical branch to confirm the actual amount of overdraft protection. 

Despite this confirmation, for some reason, BBVA USA denied both automatic transfers rather than just on XX/XX/XXXX. 

More than sufficient funds entered the account the morning of XX/XX/XXXX to have satisfied any overdraft demand of around {$100.00}. 

Overdraft protection has been automatically on for Simple, but, somehow it was turned off when my account was transferred fully to BBVA USA mobile ( without my consent and as part of an automatic merger between the Simple Bank on-line platform and BBVA USA proper ). Overdraft protections were on XX/XX/XXXX after my first complaint, but this protection was not in operation when two new fees hit my account on XX/XX/XXXX. 

BBVA customer service tried to negotiate me into accepting one of the fees, claiming that an insufficient balance of {$60.00} existed, whereas a balance of at least {$400.00} actually existed for two separate automatic transfers of {$250.00} a piece.

All consumers should be aware that BBVA USA plans to transfer these accounts to PNC. They do not have a consistent policy regarding.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

When I paid my XX/XX/2020 bill, it was short by {$500.00}. Rather than accept the amount and charge me interest on {$500.00}, Bank of America rejected the entire amount and charged me interest on that amount. Then, they waited an entire month to tell me that there was an issue. They didn't include it in my new balance, however, and it was hidden so I missed it for another month because I was sick with XXXX XXXX. When I spoke with them they refuse to do anything and tried to explain that it was just the way they do things. I think this is predatory and they hide the information on purpose so they make millions in fees.
Consumer complaint received 2020-05-15
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020 I used my Checking account debit card to purchase airline tickets through XXXX. The flight was scheduled for XX/XX/2020 ; flying from XXXX XXXX, XXXX to XXXX XXXX, Texas. As a result of the Corona Virus pandemic the scheduled airline ( XXXX ) announced that they were no longer flying Internationally in late XX/XX/2020. We immediately notified USAA of the circumstances and asked that USAA charge back XXXX for the {$650.00} USD that was charged to the debit card. USAA responded that we had not disputed the charge within 30 days of the transaction and had closed the dispute as a result. We contacted USAA on XX/XX/2020 and explained that the charge was for airline tickets and that it seemed appropriate to extend the time limit as tickets are often purchased in advance of travel. A USAA supervisor agreed and said that the dispute would be " re-opened '' and we would hear from USAA within 10 days. On XX/XX/2020 we called USAA again and asked for a status of the dispute. USAA said that nothing had been done on the dispute but the " dispute resolution team '' would contact us within 2 business days. On XX/XX/2020 we again contacted USAA as we had not been contacted and were told that this dispute had been closed on XX/XX/2020. We were told that " nothing could be done '' because it had been more that 120 days from the transaction. We explained that we had had every intention of using the tickets until the airline cancelled the flight in XX/XX/2020 when we first contacted USAA in this regard and had contacted USAA immediately once the cancellation was announced. 
We also contacted XXXX and asked for a refund. They stated that we had to wait until 14 days before the flight to verify that the flight was cancelled. We contacted XXXX 14 days before the scheduled flight and requested a refund per US Department of Transportation regulations for flights originating or terminating in the US. Their response was " we are not offering refunds for cancelled flights ''.
Consumer complaint received 2022-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

I had received the notifications and also I have been checking my credit report almost every day through credit karma and various other banks that I deal with. I saw a hard credit check on my report which I am not aware of and I didnt authorize to run the credit check. The hard credit was made on XXXX XXXX, 2022 by SYNCB/TJX CO DUAL CARD. I want to dispute this hard enquiry and hence request to remove it from my credit report. I placed a credit freeze after this incident so to avoid such cases.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I was appointed the guardian and conservator of my parents. I took the paperwork to Chase bank and XXXX XXXX XXXX XXXX, where my mother and father have accounts. Both refused to give me access to the funds they have in their account. Both said I need a financial power of attorney. Chase opened two conservator checking accounts but did not close the other accounts saying my name is not on them and I have not right to the funds in them. I went to XXXX  on XX/XX/XXXX to the XXXX branch and then I tried again at the XXXX location, on XX/XX/XXXX, I think I'm not sure of the date I went to the XXXX branch, except it was the following week.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020 the Bank of America closed my checking and saving account. After that on XX/XX/2020 the bank was reopened my account. But they have not sent me my funds back even though I called them many time but they did not give me the answer corrected. They just said wait, wait..
Consumer complaint received 2020-06-24
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. (NV)

I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.
Consumer complaint received 2020-06-25
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: Convergent Resources, Inc. (OH)

On around unkown dates, Convergent Outsourcing Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, and credit management, placed a collection claim on my credit, for an alleged cell phone bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with Convergent Outsourcing Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the Convergent Outsourcing, XXXX XXXX, XXXX XXXX  and XXXX credit database and prohibit them from selling this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against, Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for the illegal purchase/sale/use of this unverified/invalidated collection account.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (CA)

Account # XXXX XXXX XXXX XXXX  ( XXXX ) - Creditor I had never had any services provided by this company. I have no idea what kind of debt I owe when I had never had any services done to me. This could potentially be an identity theft. 

I will not pay for services I had never received.
Consumer complaint received 2022-07-17
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: Resurgent Capital Services L.P. (CA)

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 Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # XXXX has violated my rights. 
LVNV Funding LLC Acct # 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 instruction.

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 items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-07-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TRANSUNION WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, TRANSUNION IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM TRANSUNION, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.
Consumer complaint received 2023-01-09
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. (MD)

In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (KS)

XXXX XXXX XXXX has harassed me trying to collect a credit card debt XXXX, after being informed over and over again that my only income is XXXX XXXX XXXXXXXX Social Security. I sent a Cease and Desist letter in XXXX. They have got a garnishment order twice in XXXX XXXX Kansas District Court and my Credit Union has charged me a {$60.00} garnishment fee which caused my account to overdraft and took out the {$60.00} fee from the next month 's Social Security deposiXXXX.
Consumer complaint received 2023-01-09
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (TX)

Chime Bank has stole over {$1000.00} from my account. This particular transaction posted at the XXXX, Texas XXXX on XX/XX/XXXX, XXXX XXXX. I have contacted XXXX and this Transaction is nowhere to be found in their system. Also, XXXX XXXX XXXX is closed at XXXX. I have contacted Chime multiple times to files a dispute. Unfortunately, they closed my case without doing any investigation. I am now stuck with a near - {$900.00} balance that my XXXX direct deposit has went toward. I am still with over a - {$200.00} balance because of this. I have an active police report filed through The XXXX Police Department, a copy of my statement, proof of an overdraft limit ( Spot Me ) of {$20.00}, receipts of previous transaction that are time-stamped and match exact times associated with said transactions found on my statement ( this proves real-time notifications ), as well as transaction ID 's and other supporting documents. I am in the process of receiving other documents from the Detective, as well.
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX I inisiated a transfer of .05 Bitcoin from my Coinbase vault to my Coinbase wallet. Coinbase claimed they sent validation emails to my email but never did or at least I never received them. In any case the funds in my vault are frozen saying the transaction is pending sense XX/XX/XXXX. After contacting Coinbase within a week they responded 2 months later only to close my case. Claiming they have to create a new wallet. As I sent them my verification they decided to close my case and not let me access my Bitcoin! They have not been responsive sense I opened a new case in XX/XX/XXXX. Coinbase is not allowing me to access my Bitcoin. Please help. This is fraud!
Consumer complaint received 2020-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I saw a purchase on my Bank of America Travel Rewards Credit Card that was not authorized. I called Bank of America to let them know of the fraudulent transaction. The representative told me i should go ahead and cancel the card. I told the representative that I had a scheduled charge coming in the next day, that had been scheduled for month, and that I could not cancel the card if the charge wouldn't go through. The representative said that Bank of America would still push the charge through. Next day get an email from the merchant saying the payment was rejected by Bank of America. I called Bank of America to figure out why that was, the representative told me that I was given incorrect information, but that he could escalate it to a specialist team which would be able to activate the card and allow the one transaction to go through. The specialist the said that I was again misinformed that they are not able to do that, spoke to the manager and said that they were going to transer me to digital services where my card could be added electronically and would display the Card number, Expiration, and CVV code to make my necessary purchase. Once transferred over to digital, they said that it was not an option, and that it does not give me my card number. Employee after employee all provided false and incorrect information, and did not resolve my problem. As a result of Bank of America 's mistake I will most likely lose my purchase and will be charged late fees that I will have to pay out of pocket. Bank of America 's is the worst financial institution, it does not prioritize its customers nor take Responsibility for their own mistakes, their employees are not even trained properly with accurate information.