davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to express a complaint regarding a claim. On Saturday, XXXX XXXX, 2021, I visited the Bank of America ATM, located in XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX, and made a deposit of {$7000.00} at XXXX p.m. The {$7000.00} were brought from my home country, and this amount was less than {$10000.00}, so I did not have to report it at the airport customs. The ATM machine only processed {$300.00} and kept the rest of the money inside the machine. The ATM gave me a receipt, apologizing for the inconvenience, saying an issue record was created and attached to my transaction, which acknowledges that the ATM was problematic. I immediately called the bank and filed a claim. 

After many efforts of escalating the claim, I received the provisional credit. I called the claim department numerous times, but no one was updating me with information. I visited the Bank of America XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with Relationship Banker XXXX XXXX, who reassured me my problem was going to be resolved. She also told me that the specific ATM is balanced twice or three times a week, so it was not normal for me to have waited more than 40 days for my claim to be resolved. 

Once my claim was resolved, my claim amount was adjusted to {$4400.00}, instead of {$6700.00}, which is the amount of money the Bank of America ATM owes me. I called the claims department at XXXX as indicated by the claim resolution letter to request copies of the documents Bank of America used to make this decision, but I was told there were no documents on my claim by XXXX, ID number : XXXX Therefore, I am kindly requesting Bank of America to adjust my claim amount to the initial amount of {$6700.00}. My bank accounts have been closed because I am moving to a different country, but I still need to resolve this issue.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (NY)

Im filing this complaint cause Paramount is reporting a medical debt on my file and I have never visited XXXX XXXX. Someone used my identifying information to get treatment in a hospital in XXXX I filed an identity theft report and police report and I am attaching for your records
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have had my Wal-Mart Credit card for years now. I'm always on time in payment and I am never late. Capitol One Bank took over the Walmart card. Now they want me to provide information about My address were I live that they already have. I have conversed with them on several occasions about this problem. I told them its the same address that is has always been. Even on my regular Capitol One credit card I told them its the same address as that one. 
So they suspended my Wal-Mart account because I wont tell them what they already have on file for my address. All that information transferred when they bought the accounts from the previous holder. But in the meantime I Will continue to make my payments on the Walmart card. All the information is the same. 
They should use it.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 instructions
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (IL)

American Express keeps on sending statements negitiating a debt that was paid from 15 years ago. My tenant got sick of these phone calls that started again and sent a letter to stop harassing and how AE costs people their jobs as they report debt on the credit report. The minute the letter from a third party was sent not the actual owner they address a debt collected sent a letter. American Express abuses the consumers rights! and harasses them, I have not sent a letter a third party did telling them to stop contacting the household.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: LendingPoint Holdings LLC (IL)

THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported. Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and XXXX your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX XXXX XXXX to rescinding the contract.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (NJ)

I opened a Military Star Card on XX/XX/XXXX, soon on XX/XX/XXXX I became divorced no job and no income so I was trying to make payments the best I could but I defaulted in XXXX, then by XX/XX/XXXX I was charged off/collection the amount of {$5900.00}. This amount was what was charged off. Now on XX/XX/XXXX the balance has quadrupled to a whopping {$8900.00}. Can someone explain to me how ANY company that charges off a balance intends to almost double the amount on a CLOSED/CHARGED off account? I have other companies I had setbacks with but they never added any additional fees nor balances on a charged off account. How is this even legal? How do they think that someone who owes {$5900.00} on a closed and charged off account could bare to even pay interests and fees on top of a balance already owed and charged off?
Consumer complaint received 2021-03-30
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 (CA)

XXXX XXXX XXXX  Original Charges : XX/XX/XXXX : {$5300.00} XX/XX/XXXX : {$5000.00} Merchant Printed Garments, Merchant did not properly cure garments, resulting in total loss of product. 

Merchant Acknowledged improperly produced garments, offered zero refund or resolution. Complete loss of product. 

Merchant quit responding entirely XX/XX/XXXX We tried everything to resolve issues with merchant before filing a chargeback. 

Opened Chargeback Claim XX/XX/XXXX I mailed proof of damages, and admittance oXXXX XXXX XXXX XXXX negligence and ruined product. 

Current status of chargeback claim is : Researching Claim since XX/XX/XXXX
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

Ars account resolution Account balance XXXX I tried contacting to ask for written proof on what they are saying is my balance with anything that has my signature and any other information that can explain and show me. I have never signed any hippa papers or anything of that sort
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

A website ( XXXX ) claimed to be selling bichon frise puppies for {$650.00}. I contacted them and had conversation with them about buying the dog. They said they required the {$650.00} and {$100.00} for some other fees. Then they said once the full amount of {$750.00} was sent that they would send a bill of sale to me and for me to sign it so they could ship the puppy to my immediately. {$500.00} was sent on XX/XX/2021 through XXXX XXXX Zelle and {$250.00} was sent on XX/XX/2021 through XXXX. I then received a fake bill of sale and I was told they took the puppy to the airport at which they claimed there was problems. They told me I had to pay the airport {$1200.00} to send the puppy but that {$1200.00} of that would be given back to me once I received the puppy. I also received a fake document saying this same information. When I tried emailing back asking to pick the puppy up myself instead of sending her on a plane but that is when they stopped emailing me. I called a phone number they gave me but it would just go straight to voicemail and they text me saying they could not talk. When I asked if my money was going to be sent back their response was yes obviously and I never heard anything back from them again.I contacted XXXX and they said they couldnt do anything since it wasnt through a business account. I called XXXX and they said they would do a claim on it but that I may not get my money back which I didnt because they claimed they could not do anything even though I have emails and claimed this with the Federal Trade Commission.
Consumer complaint received 2022-05-26
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XXXX XXXX {$210.00} Account : XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX OPENED : XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX {$740.00} 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.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Amex refused to honor their promotional spending offer for my card ending in XXXX. 
I enrolled my card ending in XXXX with the following Amex offer : " Enroll in this offer to earn a {$20.00} statement credit each month you spend {$20.00} or more on eligible U.S. restaurant purchases with your Card. Whether it's dine-in, takeout or delivery, you can redeem this offer each month through XX/XX/XXXX. This is in addition to the Points you already earn with your Card. '' I had two qualified transactions in XX/XX/XXXX, XXXX was {$18.00} charged on XX/XX/XXXX, and the other one was {$4.00} charged on XX/XX/XXXX. However, the second transaction 's post date ( the date that the charge is posted to the account ) was XXXX. Even though the transaction date ( when the charge was made ) was XX/XX/XXXX, Amex refused to issue {$20.00} promotional credits for XXXX, because Amex used 'post date ' to determine the credits eligibility, which is unfair. 

Amex did not disclose that they use 'post date ' rather than 'transaction date ' to determine the credits eligibility in the XXXX XXXX XXXX , which is unfair to customers.
Consumer complaint received 2021-03-31
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)

There is 1 account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my XXXX  report I need this removed as well
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (NJ)

On XX/XX/XXXX Phoenix financial put this on my credit report when they know they got the money through my employer at the time in XXXX they collected their debt throughout weeks of taking money from my check. This should not be in my credit report or anywhere since it was already paid off. They trying to get double their money. Thats not fair specially when theres a pandemic of Covid-19 and currently Im unemployed and trying to get XXXX. Ive had XXXX insurance for years. Thanks in advance
Consumer complaint received 2021-03-30
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: HSBC NORTH AMERICA HOLDINGS INC. (PA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. Thank you.
Consumer complaint received 2021-03-30
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: CAINE & WEINER COMPANY, INC. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAINE WEINER ( Original Creditor : 01 XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-08-12
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: OneMain Finance Corporation (OH)

I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- OneMain Financial - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (TX)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I am disputing and challenging the de bt XXXX XXXX XXXX says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

SS No : XXXX Address : XXXX XXXX XXXX, XXXX, GA, XXXX ID : XXXX To whom so ever it may concern, I XXXX XXXX XXXX had an account with Bank of America, which was closed down. 

I moved into the USA XX/XX/XXXX with my parents as an emigrate from XXXX XXXX where I was born. 

Been as a college student and a new comer in USA, I was looking for a part time job to assist myself and my parents. Through the internet I found a private job and thought I would make a good income to support my family and I. 

I started this job in XX/XX/XXXX, it was a check company where I was printing checks for this man and communicating with him thought text message and email. Eventually he wanted me to buy bitcoin for him through my account and I did it on the first round and the amount was {$8000.00} which I had to withdraw and buy bitcoin and on the second round he asked me to do it again and had informed my dad about it because I was not comfortable with doing it because it was illegal and my dad told me to stop immediately which I had done. But the man had deposited a bigger amount of {$10.00} XXXX without my consent and that blocked my account at Bank of America and a - {$880.00} XXXX was placed as a source of investigation through they side. 

With all honesty and truthfulness all the above pointers I have mentioned, which was mistake by myself unknowingly. I truly believe that this concerned person took advantage of being a new emigrate/student. 

However, this is an extremely hard lesson for me to learn in my young life, I oblige sincerly and assist me in reinstating my bank account.

Below attached is all the documents correspondence to the situation above that I was sent wit regards to my account Regards XXXX XXXX XXXX
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.