davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a dispute with bank of america EDD debit card due to errors with a teller withdraw, I faxed over all documents to show that there was an error on there end. On XXXX XXXX I recieved a a credit. On XX/XX/2020 the credit was reversed, I have been reaching out to the claims department, on the morning of XX/XX/2020 I called claims back and was told there was no reason that the claim should have been reversed and that she would escalate this to the correct department to get it corrected, I didnt hear anything back so i decided to call back on XX/XX/2020, i got a really nice representative that went above and beyond to try and rectify the issue. I thought it was going to be fixed but then the representative came back and said the supervisor said escalate the form again, I filed a official complaint with the representative and she said that would force them to promptly look into it, I also requested to speak to another supervisor, supervisor came on the phone and then disconnected, I have reached out many times to the claim department and they just keep saying it will be corrected in one more day, so today XXXX XXXX I called and was on hold for 2hours and 58 mins, finally a representative picks up and looks into the claim and say the credit should be applied in about 2 more business days, I request to speak to a supervisor she transfers me and a man picks ups, I start to explain the situation and he says yes I have looked at your account and I will adjust this immediately, he proceeds to tell me to hold on and then transfers me to customer care, and the representative tells me he can not assist me, I am currently on the phone with them and have been on hold since XXXX XXXX, it is now XXXX no one has picked up, I have XXXX  children and the error is just taking away all the money the edd is providing me,
Consumer complaint received 2020-10-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Flagstar Bank, N.A. (FL)

We are under contract to sell our boat, which is financed by Flagstar Bank. We need a 10 day pay off figure. We called. Waited nearly 20 minutes, were told they do not give pay off amounts over the phone. WHY? They mail them. It will take 5-7 business days.

We just want to pay off our loan. Our payment history is impeccable. What if our buyer backs out because he doesnt want to wait? Why cant they tell us what we owe them? 
I call XXXX
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo returned a check for {$370.00} claiming I only had {$370.00} in my account. My savings had over {$600.00} in it at the time and not one time during me logging in that day did my account go negative. Wells Fargo also never sent a balance alert like they were supposed to if my account supposedly did not have the money. On XX/XX/XXXX I actually watched that money leave my account at around XXXX - XXXX XXXX, after it left my account, I had a balance of {$22.00}. I dont see how Wells Fargo can return a check after they took it out my account and at the time they took it out, I still had a positive balance. Common sense would tell the bank I wouldve transferred {$5.00} to avoid the {$35.00} NSF and the {$120.00} fee I now have to pay to the company for a return check.
Consumer complaint received 2020-10-15
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-14
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)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-10
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: SYNCHRONY FINANCIAL (DE)

On XX/XX/20 a payment of {$180.00} was made to Synchrony Bank. The minimum amount due was XXXX. I scheduled my monthly payments to be made for the minimum amount due, therefore, no payment was due. I called Synchrony the next day, XX/XX/20, and spoke to a representative who said she would contact the appropriate department to request that a check in the amount of {$180.00} be sent to me. She said it would take 7-10 business days. I told her that was unacceptable. I had recently done a balance transfer and Synchrony was paid {$5000.00} and that no minimum payment would be due for awhile. 
I have sent messages to Synchrony through XXXX and received the usual replies, i.e. sorry for the inconvenience, someone will contact me, etc. My communication with them began last Friday, XXXX XXXX. Yesterday a woman named XXXX called me and left a voicemail message. I returned her call immediately and got her voicemail. I left a message. She did not call back yesterday. I contacted Synchrony through XXXX messenger again. They said they would contact her and have her call me asap. Today is Thursday, XXXX XXXX. XXXX has not called me back. I called her again a couple of hours ago and left another voicemail. It is XXXX XXXX on the XXXX. No reply. 
This is a disgrace. The company took money out of my checking account without my permission. I need that money to pay bills.
Consumer complaint received 2020-10-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-12
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. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter to Transunion regarding accounts on my credit report on XX/XX/2020. I have yet to receive any update on my accounts. These accounts should be deleted immediately.
Consumer complaint received 2020-10-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FCC Finance, LLC (GA)

FCC Finance LLC is illegally trying to collect on a debt I originally had with XXXX XXXX. This debt was in collection with XXXX  in XXXX. I received a call from FCC Finance around XXXX of XXXX saying they were working with XXXX XXXX to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from XXXX. A month letter, I get a credit update saying I owned FCC Finance a loan balance from XX/XX/XXXX. FCC Finance is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with FFC Finance. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection  for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.
Consumer complaint received 2020-10-14
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)

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/NAVIENT is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account XXXX XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX,XX/XX/XXXX shows XX/XX/XXXX and XX/XX/XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXX Account # : XXXX
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent Equifax a letter demanding deletion of the following accounts that I will add as addition to this report. Since then, I have heard nothing back from the Equifax regarding my claim and now 30 days has passed. I am demanding these accounts be removed immediately.
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ALLY FINANCIAL INC. (NY)

XXXX XXXX XXXX XXXX XXXX  signed me up for a loan with Ally lending, which I didnt not want .when I called and complained to them, they said I must come in person to talk to them to cancel the loan. When I got there the XXXX XXXX XXXX threatened me saying I have to received their service or they will sue me, jail time and that their lawyer will make me pay the loan amount and thousands of dollars more if I tried to dispute the loan of {$17000.00} and she also stated that she will not cancel the loan .she took out in my name .i dont not agreed to this loan, for I was tricked into signing papers for just a plan, I have been  suffering from an XXXX  XXXX since XXXX XXXX, and medically I was never cleared for any XXXX XXXX  of such, anyways, because the medical treatments that I am receiving Then and currently would put my life At risk. Alley lending is sending bills with interest and Late charges totaling as of date {$17000.00}. I did call ally lending the day I got the bill and filed a complain and dispute with them with no help to have it resolves.i have send them letters also.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMERICAN EXPRESS COMPANY (NY)

I contacted bluebird customer service on XX/XX/XXXX about my account was locked. They started an investigation which will take around 6 months to complete. I called again on XX/XX/XXXX. The operator said due to covid they have to re evaluate the investigation. I still have {$400.00} remaining balance which I still have not received till today. Please help.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX Loan Application Number : XXXX received letter that I had applied for an auto loan but was denied. At NO TIME had I applied for a loan. I tried resolving this with XXXX XXXX on XX/XX/2020 but they stated they could do nothing and the application was correct.

The letter also incorrectly reported my credit score.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Bought an item on WayFair with " Wayfair '' branded credit card less than 45 days ago.

After my purchase I was advised by Wayfair that the bank was closing and that Wayfair was no longer doing business with them. I was waiting on further communication from Wayfair on where I would be sending payments to. This communication caused confusion for me. 


Then I received my first statement with a late fee. Called to question and was advised that they had sent a welcome pack and other statements. I never received any of these. Further, I was given no communication electronic or otherwise about my account with Commenity until today when I received my first statement with late fees. 

They refused to waive the erroneous late fee.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I have been trying for weeks to get access to my online account to dispute information thats on there. When I call, the tell me I have to submit my request in writing? What? I have tried to reset my password and everything but I always redirects me to call customer care.
Consumer complaint received 2020-10-14
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: AMERICAN EXPRESS COMPANY (IL)

I am using the American Express Serve card. The merchant has put 3 holds on the card. As follows : Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$58.00} XXXX  XXXX XXXX Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$180.00} XX/XX/XXXX Store Purchase XXXX XXXX # XXXX XXXX, XXXX, IL ON HOLD - {$110.00} The holds are over 20 % of the value of the transcations that occured. I read through the terms of service dated XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  And the terms stated the following : f. Pre-Authorization Holds and Processing Delays. 

When you make a payment to a merchant using your Account, Card, Sub-Account or Sub-Account Card, you are providing that merchant with an authorization to process your payment and to complete your transaction. In certain instances, the payment processing may not  occur immediately, and your payment will be " pending during this time period. 

In addition, when you make a payment to certain merchants for goods or services ( typically gas stations, restaurants, rental car agencies, hotels, cruise lines and similar merchants ), we or the merchant may request an authorization for the amount of your anticipated transaction in advance and may estimate the final value of the transaction, which may be more than the amount of the actual transaction. For example, a restaurant may request an authorization for the estimated dining bill and for a tip. In such an event, we will place a temporary " hold '' on the funds in your Account or Sub-Account for an estimated amount indicated by us or the merchant at the time the transaction is authorized, plus any applicable fees, and will release any temporarily-held funds in excess of the amount of the actual transaction, typically not later than the seventh ( 7th ) day after the transaction, in the case of most merchant transactions, and typically not later than the thirtieth ( 30th ) day after the transaction, in the case of transactions with rental  car agencies. Until released, the funds subject to the hold will not be available to you for other purposes. 


There is no mention of placing holds on account for grocery stores or other non hospitaltity releated merchants. I contacted Amex customer service and was told that they could do nothing to remove the hold nor would they resolve the matter outside of a 8 day business day window. Nor would they credit my account the diffrence of the hold. In addition I have two other fradulaent transcations that they refused to release hold as follows. 



XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} Thank you,
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived at these addresses. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2020-10-14
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: Experian Information Solutions Inc. (CA)

I had a medical bill previously closed by the original creditor in XX/XX/XXXX. We confirmed the closure with the original creditor in XX/XX/XXXX, with a confirmation  letter dated XX/XX/XXXX. A collection agency seems to have fraudulently purchased the debt. When asking for debt validation from the collection company, none was ever received. Information was sent to Experian for investigation, and twice Experian replied that the debt is " valid '' and " remains '' on my credit report.