davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/year> I went into a Bank of America branch office and opened a checking account. After successfully opening a checking account I made and initial deposit of XXXX dollars. I then deposited XXXX checks into my account in the amounts of XXXX, XXXX, XXXX, and XXXX the clerk informed they would be placing a hold on my checks until the XXXX of XXXX. After leaving the bank I discovered my account was already in the negative by XXXX XXXX Trying to give the bank the benefit of the doubt I did not call immediately to rectify this situation. However 48hrs later I still did not have access to my account. I then contacted Bank of America and was informed by their representative that although it says your account is negative, disregard this information and you can still access your funds. Immediately after receiving this information I tried to make a transaction to no avail. It was not until XX/XX/XXXX that I was able to access my funds. I had no access to any money for 6 days. After an underwhelming first experience I received a letter stating that they were delaying the release of my funds an additional 5 days from what I was initially informed until the XXXX of XXXX under the presumption that these checks would be returned. Let me explain that me and my family were affected by a major disaster and all these checks were from FEMA to be used as emergency funds during these hard times. I took it upon myself to contact Bank of America again and was informed by a representative that half of my funds would be released on the XXXX of XXXX. Fast forward to the XXXX of XXXX and my money was still not available. Not only did I not have access to my money but after calling in again I was informed that my account is in the process of being closed. Determined to finally get some answers I made it to the same Bank of America branch where I initially opened my account and spoke with the same representative. At this point I was informed that that the checks were not returned and the money was in my account but that I could not make a withdrawal, transfer funds or even close my account for that matter. The representative said she had no ability to help or any information as to what I should do next or why my account was inaccessible in the first place nor could she find anyone who could give me the answers. The representative contacted the appropriate department to help me with this and the department manager informed the representative that it was nothing they could do either. Today is the XXXX of XXXX I still have not received an update I contact the bank everyday and consistently receive different answers no one is helping with this and my family is suffering because of it.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

Company made refund bank has not posted. REFUND STATUS XXXX, thank you for contacting XXXX  Customer Care. After careful review of your account, the following refund requests have been processed : TRANSACTION DATE BILLED AMOUNT REFUND STATUS XX/XX/2021 {$29.00} Approved XX/XX/2021 {$29.00} Approved XXXX XXXX XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX XXXX 

You received this email because you are a member of XXXX. 

This email was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2024-11-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I had a credit card issued by XXXX XXXX from the EDD. My card was hacked, and XXXX XXXX closed the account and sent me a check for the remaining money on the account. I received a check today ( XX/XX/year> ) and tried to cash it but it wouldn't let me. I tried to contact XXXX XXXX and they did not give me an answer
Consumer complaint received 2022-07-18
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: Bread Financial Holdings, Inc. (NV)

This company performed an unauthorized hard inquiry into my credit via XXXX on XX/XX/2022. This was done after I submitted a complaint regarding being unable to access my online account due to ongoing " technical issues ''. As I hold an account with this company, soft inquiry from time to time is expected however a hard inquiry which causes a FICO score drop is entirely not expected, not the norm and unacceptable. I have not authorized any hard inquiries into my credit for two years as I will be applying for a mortgage and do not want the score decrease. Unless this company removes this UNAUTHORIZED INQUIRY, it will remain on my credit for at least 2 years. This inquiry needs to be removed from my report immediately.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I previously applied for a capital one card with help of my home attendant. She stated the card application was denied. Upon checking my credit report I notice a approval for XXXX from capital one with a balance of XXXX. Called capital one to verify account and the phone number used to activate and set up the account was the same one as my home attendant. Which ends in XXXX. I notified my credit card company of fraud and they will keep in contact.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NJ)

I have filed multiple reports against XXXX XXXX XXXX. Currently I have multiple accounts negatively reporting on my credit reports daily, yearly and in multiple collections accounts in their behalf. These accounts are false! I took out a loan with XXXX XXXX  and later refinanced the loan after paying it down. This was suppose to close the old loan and open a new loan. However they never closed out the old loan in the system and we were being billed double. We complained and nothing was done and they charged off our account. After the company was sued in a CLASS ACTION LAWSUIT we received a debt forgiveness letter and tax form. We paid taxes based on the forgiveness and it was never applied properly to the accounts, collections or credit bureaus. Instead multiple accounts, multiple collections all with different amounts and dates with various company names are being reported. This is reflected in the loan dates XXXX XXXX XXXX OPENED ON XXXX, XX/XX/XXXX, XX/XX/XXXX. Were also being charged for a loan for XXXX XXXX AND XXXX XXXX. XXXX XXXX is now named XXXX XXXX. My loan was paid in a timely matter until someone messed things up as you can see in my history with the original loan. This is Fraud. Im being harassed by bills that arent even valid. The company was sued by a CLASS ACTION LAWSUIT and we received a forgiveness letter with a tax notice to summit with our taxes however their are multiple collections with various companies for multiple loans and amounts opened in my name and credit. Everything has the wrong information most importantly my credit report and account history with XXXX XXXX XXXX.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

Debt collector is trying to collect a dept that is already paid. 

Referring to account numbers below. 

Account : XXXX {$31000.00} Account : XXXX {$570.00} Account : XXXX {$3100.00} All these charges are made up by someone at the XXXX facility. 

Amount of XXXX, XXXX was paid in full 0n XX/XX/2020 as agreed with XXXX XXXX Amount was deducted from my credit card by XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Happy Saturday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-11-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2020 Beginning XXXX XXXX Transaction 1 : XXXX - Declined Transaction 2 : XXXX Approved Received call to approve transaction When Mrs. XXXX XXXX XXXX, XXXX called in the card was placed in review status and so it begins : NOTE - LISTED WIFE AS CARDHOLDERER SINCE NO OTHER CHOICE Set up card to in new website to pay for a purchse when started to check out " Card not accept card '' ( My wife gave XXXX XXXX this time ) We thought had entered the card incorrectly so I just entered another card as my wife, who has to enter for me was in a hurry for an appointment. 

I received a fraud alert and my wife called as she is authorized to speak for me and identified herself as MRS.XXXX XXXX XXXX, XXXX and gave them all the information regarding the transaction and the card information. XXXX told her to slow down - she was reading too fast. He could hear that she was in her car. She told him she was and even advised that she was driving in the car was. Notes were added to the file years ago that she would ALWAYS CALL IN FOR ME!!!! NO QUESTIONS ASK. 

They now are reviewing the account. Spoke to my wife in a awful matter. Then when she called to reset the password - they wouldn't and said I have to go to a bank and give them ID. It is difficult for me as I am a XXXX and XXXX patient. 

XXXX XXXX with Fraud spoke to her in a down grading tone and would not listen to her explanation. XXXX with Online Services would not speak to me. We understand Fraud protection, however, if we were trying to Fraud BOA and were a risk we would not have called. I am XXXX XXXX XXXX and my wife takes care of all of my business.

These people have caused a hardship on us because their system didn't work. My wife is suffering mental distress and duress from how she was treated. The XXXX was violated because the persons waiting on us felt we were too old and of a Race and XXXX that they did not have to provide any customer service. It was evident the agents were not " old white persons '' and didn't want to be bothered and could care less that they were upsetting and inconveniencing us. XXXX would not give my wife a time for the review to be completed. It was evident he thought she was a liar and CROOK! 

We feel we are being targeted due to our age, XXXX and socio-economic status and want our card reactivated immediately. 

We appreciate the fact that this company 's Fraud Department was looking out for us, however, if there system had not had a CLITCH in it, this would not be happening. This was frustrating in itself. And if they are going to investigate fraud, they do not need to be condescending and rude to not only senior citizens, but anyone who are just trying to TELL THE TRUTH.
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

1. On XX/XX/2020 I called US Bank for 50 minutes when XXXX answered and could not find closed account with all verification. 2. XXXX refused to transfer to a supervisor although asked 5 times. 3. XXXX, mrg of XXXX, closed my account with less than a week notice to get everything. 4. It took 2 hours when went in per XXXX XXXX request. 5. The bank as not sent me statements i requested. 6. Us bank did not process disputes when I put them through. 7. Now they are questioning a dispute although send me no statements and removed online access do I can check and US Bank can STEAL MY MONEY.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc. (MA)

My son is XXXX XXXX XXXX, has his own medical insurance and is currently in a billing dispute in the amount of {$400.00} with XXXX  XXXX XXXX regarding some tests his XXXX ordered. I am not a guarantor of his payment obligations to XXXX. XXXX. He is, of course, of majority age and notified them that I wasn't a guarantor. Nonetheless, I received a demand in XXXX from XXXX. XXXX for the {$400.00}. Additionally, in their demand I am concerned XXXX. XXXX violated my son HIPPA rights as they disclosed to me his medical records. 

I tried calling XXXX. XXXX, left a message and got no response. This occurred while my son was making a good faith effort to resolve the matter! Rather than responding to me, I just received a demand from a debt collector for the full amount. And again, my Son is actively engaged in discussions to settle the matter, yet XXXX. XXXX went ahead and either sold the claim or hired a debt collector to attempt to collect from me! This is an illegal demand and I am deeply concerned XXXX. XXXX is engaged in this practice with other patients. 

I have corresponded with the debt collector and XXXX. XXXX asking that they notify me in writing informing me I have no responsibility in this matter.
Consumer complaint received 2021-09-17
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. (FL)

On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Consumer complaint received 2024-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (NY)

The debit card money network knows there was grand larceny on my account and they have not stopped the numerous unknown phones that appear on my mobile app account as trusted devices that can access my account and my phone and my data and the algorithms that gives them access to my deposits and withdrawals and purchases to then illegally transfer money or charge unknown amounts displaying as XXXX XXXX as a payment
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

I have an XXXX XXXXXXXX XXXX XXXX card through Commeity BAnk. UNDer XXXX there was never an issue redeeming points for an Account credit. I have {$6200.00} due to me in account credit. Even on the link it says you can use your pints for an Account credit. WHile trying to do this it says I ahve no balance, when I do. I contracted commetiy and they are saying you cnat use your pints for an account credit, when their site clearly says you can. WHen you call you get a run around. No one cna give me a straight answer
Consumer complaint received 2022-07-18
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. (GA)

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NV)

I was notified by email my credit card limit was significantly reduced and to add insult to injury my interest RATE was also significantly increased. I have been furloughed since XXXX due to Covid I have always made payments on time except for XXXX ( XXXX time ) I always make payments I am a great customer. I called today XXXX Sat at XXXX XXXX to ask them, I pleaded for help in a lower rate they went from 23.99 % to 29.99 % as well as the the lower credit limit which is now {$6000.00} and my balance is already {$5800.00} so I am 100 % maxed out on a card reporting to the credit bureaus which in turn, hurts me drastically! 

I am trying wholeheartedly to work with the credit company After being transferred to 3 different people not one person can help me. I will never get this card payed off nor can I pay a rate of 29.99 % I am still out of work due to Covid, but I will always pay min due plus extra, but at a time when I have XXXX income coming in, please citi group just help me. It will leave me no option but to have it go to collections and eventually have it as a charge OFF on my credit report. Then no one wins! Work with consumers its hard enough without fighting with your credit card companies! You say Just call us we are here to help NOT TRUE!!! NOT TRUE AT ALL!
Consumer complaint received 2023-05-27
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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