davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit 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 (TX)

XX/XX/XXXX l got an email for a cancelled flight to XXXX scheduled for Monday XX/XX/XXXX due to XXXX XXXX. The same day l called the XXXX ( whom l set up trip through ) to inquire how do I get my money back for trip. The claimed they could do nothing but said l could contact the airlines and resort. I contacted XXXX XXXX resort on XX/XX/XXXX and they informed me that they have a no refund policy and l would need to contact the resort on scheduled day of arrival ( XX/XX/XXXX ) to reschedule. On XX/XX/XXXX l tried to contact resort to no avail ( storm XXXX was in effect ). l contacted Bank of America ( BofA ) and on XX/XX/XXXX they issued me a conditional credit of XXXX for the resort dispute. On XX/XX/XXXX BofA sent me a letter denying my claim based on information from XXXX XXXX resort that they already refunded me cash or credit on XX/XX/XXXX. XX/XX/XXXX l informed BofA l had nothing from the resort. That same day l contacted the resort and they informed me that they had not sent me anything to date but did agree to send a voucher out that same day. I do have the email from resort dated XX/XX/XXXX stating that they did not send out voucher as they had informed BofA in which BofA used this information to base their denial of my claim. Due to the integrity of both parties l am requesting a refund XXXX XXXX XXXX XXXX XXXX : XXXX To : XXXX XXXX Tue XXXX XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX, We do take this opportunity to wish you a wonderful week and once again we would like to extend our apologies for the delay in sending this voucher over to you. 

Further to your telephone conversations with the team, I have attached the updated voucher for a future stay which is valid until XX/XX/XXXX. 

Please reach out to us directly when you are ready to redeem your voucher and or if you have any questions. 

We look forward to welcoming you to the XXXX XXXX XXXXXXXX XXXX 


Regards, XXXX XXXX XXXX | Reservations Agent | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reservations : XXXX ( Local ) : XXXX ( XXXX XXXX XXXX XXXX XXXX | XXXX ( Toll Free ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX out our video XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (MD)

On XX/XX/XXXX I was hospitalized because of an XXXX XXXX I was in the hospital for XXXX weeks- was discharged on XX/XX/XXXX. During this time, a former housemate got possession of my wallet back at the house and tried to use a couple of my cards including my main debit card which is with SoFi Bank. I receive my direct deposit there and keep most of my money in that account. Within a span of XXXX calendar days, from XX/XX/XXXX - XXXX, there were a total of {$1800.00} worth of charges made to the account depleting it. 

When I found out about this- which was after I was discharged - I immediately filed disputes for each of those transactions with SoFi bank. XXXX days later, they responded to the disputes stating that they were valid and that no refund would be given. 

I tried to appeal, emailing them a copy of my discharge papers from the hospital showing that I was inpatient during the time the transactions were done and didnt hear back from them. I will also be filing a police report and hopefully they can reopen the investigation.
Consumer complaint received 2023-03-01
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. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CO)

I recently got paid this day, I transferred XXXX to my account to get some food that day. I began to work and all of sudden around XXXX I get notification stating that XXXX dollars was withdrew from ATM. They completely wiped my account. I had my debit card with me and everything. Cash app told me it will take XXXX calendar days until I can get an answer on the dispute I made. I was also told they dont know if they will go in my favor or not. It is truly disheartening to know that money was to get my daughter and I food. Because somebody decided they needed the money more than I did.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FinCo Services Inc DBA Current (OH)

Budget Rental Car charged my card unauthorized numerous times. XXXX XXXX XXXX XXXX Current credit card account number XXXX was made aware of this fraudulent activity. Current issued a new card ; however, failed to prevent the duplicate charge for an even higher inaccurate amount. This issue was than disputed with Current to no avail. Now this inaccurate amount is being reported on my credit report by XXXX and negatively impacting my credit score.
Consumer complaint received 2023-09-22
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MO)

I opened a care credit account because my husband needed dental work, they closed my account automatically and state it can not be reopened, I paid well over the amount due but beginning in XXXX I had problems with the app allowing me to place a payment under the correct account. Subsequently the payments were sent back for NSF, at the beginning of XXXX I made a payment and it was trying to go to the incorrect checking account, I called them to stop the process and called the bank to stop the process, neither could do so because it was pending. I was assured by an agent that it was not going to be a problem. Shortly after I received a letter stating that the account was closed due to dishonored payments. I called them to rectify the situation and they refused to reopen my account, when they closed my account my XXXX  score dropped over XXXX points. No one is trying to help me even after sufficient credit with them to have my credit line increased from XXXX to XXXX because I also need extensive dental work. Now I have broken teeth with no way to get them fixed. The rep that told me everything would be " fine '' flat out lied to me. At closing I had paid close to half of the debt and made payments of more than the minimum so I would have enough credit to have my teeth surgically removed and have dentures because a medication destroyed the roots in my mouth. No one is willing to assist me and only ask me to reapply for credit although I consistently paid well over the minimum amount.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On XX/XX/XXXX, I have submitted at payment of {$2500.00} to EDFinancial. I receive the confirmation from EDFinancial that my payment has been sent. I check my bank account on XX/XX/XXXX to see if my payment has gone through. It has. It is no longer processing on my end. I check the EDFinancial website to see if they have received my payment. There was nothing. I call their customer service. The customer service representative tells me my payment can not be received because I am in student standing. I tell them that I am paying my subsidized loans to not gain interest over the next year. They change their answer to the fact that I have to wait XXXX business days. It is now past XXXX business day, I still see no payment on their end and have to pay back student loan amount that I have started with before my payment. It is now XX/XX/XXXX, and nothing is on their end. I just want to confirm that my payment has been received and for it to reflect it on their end and the other government websites.
Consumer complaint received 2024-10-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

This is complaint against the law offices of XXXX and XXXX XXXX. this would be regarding a car loan that was supposedly taken out in XXXX, I was in a major car accident of XXXX of XXXX and was hospitalized for a period of XXXX weeks. Prior to my accident I had XXXX car that was given to me and therefore I didn't need to buy another car. this law firm had a judgement put agains me for something that I have been fighting for years. I have asked them to send me documents so that I can try and fight this. At XXXX point they did send me the so call document that was signed and it was not my signature and I told thenm that. I was basically told to bad. I have been on XXXX since XXXX because of the accident. Pressler and Pressler calls me everyday and just will not budge on the issue of trying to help me
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I got approved for a {$500.00} Credit Card from XXXX XXXX. I have been using this card for a while until I noticed when it's time to make a payment I'm not able to. Every time I log on to the XXXX XXXX App it says " We can't access your account information right now, but we're working on it. '' I've even tried calling them to make a payment and after talking from XXXX person to another to get everything resolved they're not able to make a payment as well because my social security number is incorrect. It's under a different social security number. The company wanted me to mail them a copy of my social security number and my Drivers license to update my information on the account which I have done that but hasn't yet been resolved. As weeks and days goes by they are constantly sending me emails and letters stating that I have payments that are due by XX/XX/XXXX and I owe {$380.00} and I'm still not able to make any payments. My credit score has dropped and I've been having this issue since last year and it hasn't yet been resolved.
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

CFPB + Columbia Debt Recovery LLC, dba Genesis, On a recent review of emails - I received an email from this collection agency listed above - I owe a debt that is unfamiliar to me. 

attached to this complaint are : - copy of my drivers license for ID as well as address - copy of my written complaint I am requesting this debt to be validated - and if not mine, removed from all credit reports, stop all collection tactics, and end collections.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In late XXXX, I disputed a collections account ( XXXX XXXX XXXX ) on my Experian credit report and Experian removed it after their investigation. However, the account appeared on my Experian report again on XX/XX/XXXX, for the exact same amount ( {$1800.00} ) but reported by a different company ( XXXX XXXX XXXX ). So the debt had apparently been sold and is now back on my Experian for another 7 years because it's newly reported, even though 1 ) it should not have been there in the first place and 2 ) it had already been removed by Experian. After I disputed it the second time, Experian said the company reported it as accurate. 

Debts are sold, yes, but if if creditors are allowed to continuously sell and report a debt, then the " 7-year limit '' becomes meaningless. Certainly, once a credit reporting bureau has investigated a debt and found reason to remove it once, it should remove that same debt if it is reported again by a different company that has bought the debt.
Consumer complaint received 2022-09-23
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Av, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX : XXXX XXXX. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block this fraudulent information within four business days of receipt of this complaint.

The following accounts, which I did not open or authorize, are fraudulent and should be removed from my report : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
A credit card account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$150.00}. 
A utility installment account opened at XXXX on XX/XX/XXXX, under account number XXXX with a balance of {$190.00}. 

These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report, which highlights the fraudulent items in question. 

Please be advised that I do not recognize or acknowledge these accounts, collections, or charge-offs as they were not initiated by me. All of these items are the direct result of identity theft and fraud. 

In addition, I have enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Complaint ( # XXXX ) as verification that these consumer credit accounts, collections, and inquiries are the result of identity theft and should be blocked from my report as per the requirements of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to the swift correction of my credit file. 

XXXX XXXX
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at MERCHANTS CREDIT GUIDE on XX/XX/year> under the account number of XXXX with a balance of {$1800.00} that appears related to fraudulent medical billing account opened at XXXX XXXX XXXX. This account has resulted in a fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned collection as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection is indeed the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer collection is indeed the result of identity theft and fraud.
Consumer complaint received 2024-10-29
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)

My name is XXXX XXXX, My social security number is XXXX, My Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), personal credit card account opened at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, and another credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. I do not recognize the aforementioned accounts as eported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX Balance : {$28000.00} - Late open XXXX XXXX XXXX Balance : {$100000.00} - Late open XXXX XXXX XXXX XXXX : {$28000.00} - Late open
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ENCORE CAPITAL GROUP INC. (CA)

Actually the vehicle loan is for my husband and they called me multiple times as far I know they can call once looking for someone they have called multiple times today. I am also on the XXXX and I double checked why is the bank calling me for a loan my husband had before me I have no interest or liability on this loan.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America refuses to supply me a satisfactory letter saying my debt has been paid. However I did receive one from there law office In NJ. but this is not the letter that I am needing. I have been lied to hung up on an yelled at over the phone. This is not okay. If I do not receive this letter in a timely fashion I'm going to lose my hose. I have tried repeatedly to get the letter from Bank of America not there law office. 
Again they refused to work with me. I need a letter from Bank of America say the debt has been paid. Not from XXXX XXXX XXXX BANK OF AMERICA!