davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Beginning of XX/XX/2022 I noticed the someone was charging XXXX fares to my XXXX with Bank Of America, this to the tune of over {$13000.00}. It happened within a two week period. I immediately informed Bank of America of the problem. It closed the account and issued a new card for me and my husband. I received the new cards after I had to call several times and talk to mostly incompetent associates. 
On XX/XX/2022 Bank Of America informed me that they had received my claim and asked I fill out a form listing the fraudulent charges. I did so, even copied my statement and highlighted all the charges in question. 
As an aside, within the 2 weeks the fraudulent charges were made ( sometimes XXXX XXXX fares in a day for hundreds of dollars ) the bank never alerted me that something unusual was happening to my account. Neither did the bank alert me when my account went over my credit limit by {$6000.00}!. I asked for an explanation but got non. 

On XX/XX/XXXX, I received a letter from Bank America stating the the bank was issuing a temporary credit of {$13000.00} while they conducted their research in the matter. That credit was never issued. Nevertheless, the bank started issuing credits for individual XXXX charges starting on XX/XX/2022. These individual credits to my account stopped on XX/XX/XXXX, leaving {$7500.00} of fraudulent charges on my account. 

On XXXX XXXX I received another letter from Bank America informing my that my claim had been resolved and they closed my case. There were still the {$7500.00} charge on my account, therefore I started calling the Bank of America Fraud office as well as its claims department. The several associates I talked to agreed with me that this was a mistake and that my claim would be reopened within 48 hours. On my last call on XX/XX/XXXX, the associate assured me that Bank Of America would solve my problem within 48 hours. After communicating with all these people over the telephone and not getting any help I am facing a huge sum of money I am supposed to pay by XX/XX/XXXX. I no longer know who to turn to for help in this matter. Most branches of Bank of America are closed or only open by appointment to conduct routine business, not address my claim. I hope you can direct me to a place where I will get help in this matter.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX I mailed a dispute to IC Systems and to the credit bureaus regarding a fraudulent account on my credit report. ON XX/XX/XXXX I noticed they verified the information and proceeded to call IC Systems to get to the bottom of this situation. I was informed, based on a search of my social security number, that there was an account sent to collections from XXXX XXXX ( AKA XXXX ) for a service address of XXXX XXXX XXXX XXXX in XXXX, CA that was opened in XX/XX/XXXX. I advised them this was not me, as I purchased my home in XXXX in XXXX and had no reason to open up any service in a different city. They advised me to contact XXXX  and to " resolve it with them '' meanwhile they will remain on my credit report until XXXX   advises them to remove it. 

This is completely abusive and unacceptable. ESPECIALLY because XXXX can not locate any account using my name, social, date of birth or address. This limits my ability to start a fraud investigation with XXXX as advised my IC Systems since they can not locate an account to initiate an investigation on. What am I supposed to do other than go round and round in circles wasting my time?? This item needs to be removed from my credit report ASAPPPPPP
Consumer complaint received 2018-12-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services (PA)

Mercedes Benz Financial Services billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to MBFS, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.
Consumer complaint received 2022-08-15
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. (NJ)

You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Below is the inaccurate item : Late Payment XXXX XXXX # XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I converted a XXXX  XXXX bankruptcy, filed in XXXX, to a XXXX XXXX in XXXX. In the process my lawyer, in error, filed a new XXXX XXXX case. The court immediately dismissed this case because it was filed in error. It should never have been filed and it should never been added to my credit report. Now I have XXXX bankruptcies showing, one discharged and one dismissed. The dismissed one I have disputed numerous times with XXXX and Transunion since XX/XX/XXXX. With those disputes I have included a letter from my attorney and the Certified Court Motion stating this case was a clerical error. Both XXXX and Transunion refuse to remove the dismissed bankruptcy. Both instructed me to obtain the Certified Court Document and they could remove the bankruptcy. However, when I provided the document both refused. Due to their refusal to remove the inaccurate case, creditors began attempting to collect on accounts discharged in the accurate bankruptcy. I have spent almost a year getting these creditor accounts straightened out due to XXXX and Transunions outright refusal to fix what I have proven to be incorrect. I have disputed online and over the phone numerous times. This bankruptcy must be removed.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

I have been harassed weekly by this organization regarding this debt. It was explained to XXXX that I did not open this account. I am XXXX years old and did not realize a relative had used my Personal information. 

That relative is in the XXXX  XXXX  system for the next 10 years. This money was being taken from my social security check and was discovered when the relative was XXXX. 

I have written to XXXX including a certified letter with no response. I always pay my debts but this is not mine.
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

Diversified Consultants should be fined for reporting a debt that was clearly reported a fraud to XXXX. I have reported this debt many times to XXXX  and also Diversified Consultants that this was fraud and Diversified Consultants continue to report this
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello and good day! I am filing a formal complaint against Bank of America for their ongoing reporting of inaccurate information on my credit report. Despite numerous attempts to dispute this account ( Account Number : XXXX ), they have failed to correct or remove the errors. This incorrect reporting is significantly damaging my credit score and presenting false and misleading information to potential lenders, which could affect my financial opportunities. I have repeatedly reached out to both Bank of America and the credit bureaus to address this issue, but no resolution has been provided. This lack of action has left me with no choice but to escalate the matter.
Consumer complaint received 2021-10-27
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. (GA)

This is my sixth attempt at trying to get hep with some fraudelent inquries, I have tried talking to someone at equifax over the phone, I have tried sending in letters in the mail, I have tried submited complaint, here it is again. My issue is that I have some fraudelent inquries that I have been trying to get off my credit repoert for THREE MONTHS. I have spoken to multiple people over the phone who says to send in an identity theft report with the fraudelent inquries names and dates, and a copy of my I.D and Social Security card, I have sent in all of those documents multiple times, I with no results. So I will try something new I will upload those documents here in my ftc complaint, so they can not claim they never recieved them.
Consumer complaint received 2018-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I was contacted today by my mortgage company advising I have not paid my XXXX Mortgage. I was told I had a returned check from the bank and was charged a returned check fee. The escalation rep, XXXX, XXXX, advised my account number was " changed '' in XXXX and would not credit me the return check fee. I have been paying Ocwen with the same checking account for approx. 12 years and I have NOT changed it. I also have made my payments on time. I want the XXXX return check fee credited. My bank also has no returned payment fee on my account.
Consumer complaint received 2022-05-02
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. (TX)

I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked Experian to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.
Consumer complaint received 2022-05-02
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. (NY)

My name is XXXX XXXX XXXX , I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies XXXX XXXX, Experian and XXXX XXXX services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-02-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX about XXXX alleged bankruptcy that is listed on my profile. They just now got back to me about this month XX/XX/XXXX which was too long of response and they said it was verified through a third party XXXX XXXX and pacer but not the original source and did not do personal interviews. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information.
Consumer complaint received 2018-10-01
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. (NV)

hello, this complaint pertains to a company/bank in the State of Florida. For months and months, I told the Clerks/Supervisor That an account was made in part of my name and address that doesn't belong to me. ( fraud ). I thought that matter had been a workout. 
But I guess I was wrong. The dates for this matter go all the way back to XXXX of this year.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a loyal Bank of America coustomer I have made several attempts to ask my Bank for a decrease in interest charges since the covid XXXX caused a shut down it seems every bank and credit card company car insurance and utility company has increased there rates I am not behind in my payments the Bank made a mistake and charged me a late fee but removed it once I called to correct the mistake it seems that was done so the bank could deny me of a rate decrease after speaking to a bank representatives because i have credit cards i pay through my checking account the bank sees the money going in and out of my account. They offered me to transfer my balance on the other credit card I have with another bank to one of there cards that has a higher interest rate. And would again put me in a credit card trap and i will not be able to pay this Credit off the agent said I see you have another card then he said I could refinance my home to get the equity out to pay them back in full but that's not going to help me but only make my mortgage higher and make it difficult if not impossible to pay that back. And loose my home plus all the other bills I have there forbearance for covid 19 relief hardship assistance that is offered would put me in a credit card trap that i wont be able to pay the interest rate that again is higher and seems to be a tactic the bank is using to get me to either keep paying the high interest rate and not watch my balance go down so they request more of a minimum payment and I am struggling to pay that because every other bill i have has gone up since Covid and the lockdown They are calculating the money im paying the other bank and there doing exactly the same thing the bank of America agent i spoke with hung up the phone on me after becoming combative with me and being rude and talking over me.I want to remove my accounts from Bank of America. I can not feed my XXXX child and I can not afford the high interest the bank keeps going up on me when we are all struggling from Covid 19 to recover one bank agent said they can lower the interest rate another says they can not and offered things that can put me bankruptcy or loose my home I am not asking to dismiss the payments I am trying not to file bankruptcy because then neither credit card gets paid.These increases have happened since the country went on lock down Im asking them to be fare to the customers that are paying we can not make up for the ones who are not able to pay anything to there credit cards at all
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (FL)

This company or person calls repeatedly, does not say what it is, who they are trying to contact or anything. I researched by phone number and it appears to be a collection agency. I do not have any errant debt, all credit cards and vehicle loan is 100 % current on payments, every month. I even pay ahead, like 4 months ahead on car loan so no clue what on earth these people are doing. I suspect they have a wrong number but they won't listen just insist they are right, amd badger rudely, but won't state who they are wanting to speak to! I smell a scam here. I'm not falling for this pack of lies from some unknown company.
Consumer complaint received 2022-12-14
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. (LA)

There is information on my EXPERIAN consumer report that is violation of 603 15 U.S.C. 1681a ( 2 ) ( i ). PLEASE SEE ATTACHED.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I tried to pay {$25.00} ( not a XXXX  dollar ) using the one time usage virtual credit cards with a limit of {$50.00} and again their strange system blocked the usage of the card and I simply try to pay products or services using the card what is a card for they have no respect for customer valuable time and still their webpages are XXXX  old style system that request a phone call, why you don't send a email, somethines they send a email asking if the customer approves or denies the transaction, but their strange system forgots about that very soon, asking to confirm the transaction by phone again, that's not possible since i'm using the web to pay for product or services and i'm not using a phone to order producs, like milions of other customers
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELLO MY NAME IS XXXX XXXX I WRITE THIS COMPLAINT BECAUSE SOMEONE ELSE IS TRYING TO OPEN ACCOUNTS ON MY BEHALF, DOING MANY CREDIT INQUIRIES IN A FRAUDULENT WAY WITHOUT MY AUTHORIZATION.
Consumer complaint received 2022-05-02
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. (FL)

I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX XXXX  account # XXXX NOT MINE XXXX  XXXX  XXXX  Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE
Consumer complaint received 2021-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

This account is fraudulent in regards that the security interest paid for all obligations. USAA continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. USAA has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. USAAs unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
USAA continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities in regards to the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) for the debt in dispute as well as the validity of the debt, or any portion thereof.
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (TX)

The collection for an auto loan that I had was originally with Presolve Legal Group. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by Presolve. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called Presolve to get it and they keep telling me that XXXX has the debt now. 

I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted the dispute number : XXXX on XX/XX/2018. I called last month to get the update and surprisingly they did not do anything about it. According to Fair Credit Reporting Act 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] and 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] The report agency Transunion has to investigate in 30 days. Today XX/XX/2018 has been 83 days and there is not investigation and continue affecting my credit score which went down by 110 points