davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 604 A. states I have the right to privacy.

15 U.S.C 1681 section 4 A states 2 : It also state the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (OK)

My card was stolen on the morning of XX/XX/2017 at around XXXX. I discovered this around XXXX and contacted AMEX to cancel the card and dispute the almost {$450.00} in charges. They informed me that I had to wait until the charges had cleared before they could do anything about it, and would n't even tell me the locations the card had been used. I filed a police report and have been in contact with the police mutliple times. I have provided the persons name that stole the card, contacted the locations and they are getting the video ready of the person that stole the card using it. 

Every time I speak to someone it is someone in the XXXX who does n't care that it 's XXXX and that I 'm doing everything I can to get this XXXX caught, but they will only say 7 to 10 business days. This is a DEBIT CARD, NOT A CREDIT CARD!! My paycheck went on this!! This XXXX stole half my paycheck and i live paycheck to paycheck. I ca n't afford to wait for them to provisionally refund the amount until the XXXX!
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX XXXX due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (SC)

XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " XXXX XXXX '', XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my XXXX XXXX and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting XXXX accounts to the credit bureaus, including XXXX original accounts and XXXX new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America encouraged me to open a credit card with them which they did while I was at the bank. I had recently moved so they sent a statement to the incorrect address. This meant I did not get this statement. They then marked my credit report as 30 days late which dramatically reduced my credit score. I brought this to the attention of XXXX XXXX who immediately was argumentative. She also said she would send the decision for reconsideration but I later found out she never did. She also never reported the results to me. I am now closing my long standing relationship with XXXX including emptying my safe box. I hope to never set foot in another XXXX again. This woman acted inappropriately.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (MA)

I was sent an offer from Chase CC for balance transfer. Contacted them on XXXX/XXXX/XXXX to initiate a balance transfer. I was told that I was qualified and the transfer would go through in a few days.It never went through and I was not notified. XXXX/XXXX/XXXX I called to question why it had not gone through and was told it got denied by their fraud department because they could not get a hod of me- although they never called. my phone records do not show that they called. They apologized and stated it would go through and to wait for a phone call form the fraud department. That call never came and it failed to go through again. Called on XXXX and spoke to several supervisors ( I have their names ) and one from their fraud department who told me that they put it through the fraud dept and that it would definitely be processed again. they apologized and said it would definitely go through. I have their names and am sure the phone call was recorded. By this point, i should have gone with another company but they assured me it would not be a problem. I called the next week and spoke with their customer service department who told me that it did go through and that they were waiting confirmation for the other recipients. I was told not to worry and it was definitely going through. Spoke with them again XXXX/XXXX/XXXX and was just told that it did not go through again blocked by their fraud department. My complaint is two fold : no communication when it was declined and promised on the third attempt that was their mistake and the it was now all set. I feel at this point that their negligence has cost me money and time and a lot of frustration. I would have pursued other means to address my financial dilemma but was told that it was taken care of. To me this constitutes false claims and misleading the public.
Consumer complaint received 2017-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

My conversation with MoneyGram customer service representatives XXXX ( ID # XXXX ) took place on XX/XX/XXXX with regards to my request to stop the payments that were processed through MoneyGram on the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at the CVS location on XXXX XXXX XXXX, XXXX, NJ XXXX. 
I am very dissatisfied with MoneyGram services and attitude towards the customers because on the above-mentioned dates I made several money transfers that I came to find out were fraudulent. On XX/XX/XXXX 10 minutes after the last transaction was processed I called MoneyGram and explained the situation, provided all the reference numbers, accounts and amounts to the representative XXXX. I was advised that all the necessary actions will be taken in order to stop fraudulent payments and whatever possible money retrieved. I was also advised that one of the supervisors in the department will keep me updated and will call me back with the update on the issue. I made several attempts to resolve this problem by calling the number listed for questions and concerns ( XXXX ). Each of my phone calls would end the same way, representative would get all the information about my previous conversation, would put me on hold explaining it by transferring me to the supervisor and 15 minutes later hang up the phone. After 5 attempts and spending numerous hours on the phone I gave up without any results. I have enclosed copies of my records and receipts. It is also came to my attention that MoneyGram was able to stop one or two transactions, because I received the phone call from the company that was trying to scam me, that 1 or 2 payments never went through. 
Unfortunately, the problem remains unresolved. 
Thank you in advance for your assistance in resolving my problem.
Consumer complaint received 2017-12-13
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. (CA)

I disputed XXXX XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, EXPERIAN, and XXXX. A direct dispute with XXXX on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on XXXX tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, EXPERIAN and credit report XXXX XXXX, XXXX, XXXX. and XXXX letter where mailed out and delivered in XXXX XXXX. 

EXPERIAN Response was ( Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and XXXX response was ( Information Updated ). XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, EXPERIAN, and XXXX. ) The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX ) credit report XXXX XXXX, XXXX, EXPERIAN ( Date of Status : XXXX XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX XXXX. 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, EXPERIAN ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX XXXX There was no investigation done on credit reports from EXPERIAN, XXXX or XXXX. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX XXXX XXXX Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX ). 

There is re-aging with EXPERIAN, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date XXXX XXXX. XXXX Rpt incorrect ) credit report XXXX XXXX, XXXX, EXPERIAN ( XXXX incorrect ) credit report XXXX XXXX, XXXX, XXXX ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, EXPERIAN, and XXXX ( past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX, XXXX ).
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX we got a mobile notification that the balance on our checking account is low, but we were not using this account. Later we learned that someone in Massachusetts, came to a Bank of America branch ( we live in Florida ) and was able to withdraw money from our account, using a teller, not the ATM. Then the same day 2 fraudulent check were cashed in our name as well, the next day one more cashed check appeared on the account and the next day there was another check cashed from our Savings account at the same branch. We never received any security phone call or verification call from the bank making sure that transactions are done by us, they basically granted a thief full access to our accounts and let them walk out with the money. All the checks were in the same amount, made out to my husband 's name, from 2 different people. all of them had the same handwriting on them. We reported this immediately to the Bank of America fraud department, they opened a case. XX/XX/XXXX I also called that branch in Massachusetts and spoke with the manager requesting a video surveillance from the day of the incident, that might have shown us them some leads, they refused to provide it to me, saying this belongs to the bank of america and their fraud department will address it. since then we followed up with them 3 or 4 times, requesting a call back or email with updates on the case, but never received any updates. Every time we call, their customer service people are rude and not helpful and unable to provide us with any useful information. The money has not been returned to us as of XX/XX/XXXX, in fact, the latest conversation I had with Bank of America fraud department representative, they said they were unable to provide us with " temporary credit '' for the amount stolen, after I asked why was this called " temporary '' they suggested that if the case is not resolved in our favor we will have to pay them back the money. How can the case be Not resolved in our favor? Our understanding is clear and logical : we had our money in the bank, bank is responsible to keeping our money safe and secure, if someone steals the money from the bank, and we are affected, they should take complete responsibility, and do everything to accommodate us in this situation, show the best customer service and return us the money they failed to keep safe for us. Non of this has been done by Bank of America corporation, there has been zero attempts to reach out to us and fix the situation by the bank, even after I placed a verbal request to expedite the process of investigation. I hope doing it through CFPB will bring more results and help resolve this disappointing experience with the Bank of America.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Ok, about 10 days ago, I complained to XXXX about how a rep of theirs on Sunday XX/XX/XXXX told me the Interest charge for XX/XX/XXXX would be removed and it would reflect in my account within 24-48 hours.  As of today, this still has not occurred.  Add in the fact that 3 separate reps told me this was under investigation.  Then today, I checked AGAIN, as nothing has occurred, and I was transfered to a manager.  In our chat, this was the response I got (From a cut and paste by me)  "XXXX - Supervisor: Thank you for your patience. I have reviewed all notes on the account and several responses were already made as well, which were mailed to you regarding your request. I don't want to provide any false expectations regarding your concern. We have yet to see any proof of the possible error made and/or promised to you on this account, thus, no credits had been applied for the interest charge waivers you requested. There's also no notes of an escalation, I'm sorry."  THIS IS WRONG!  Why can't they get their notes straight?  Not only was I promised this XX/XX/XXXX interest charge, I was also promised another $XXXX for the XX/XX/XXXX interest?   Now I get this line over and over?  I also got this response from the email online message system on XX/XX/XXXX-XX/XX/XXXX XXXXSynchrony BankXXXX XXXX Credit Card Billing InquiriesThank you for your recent inquiry regarding your XXXX account, and the opportunity to be of service to you. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days. We appreciate you as a valued XXXX customer and hope you will continue to shop with us.  If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. Sincerely,  XXXX XXXXCustomer ServiceXXXX
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (GA)

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 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I recently ( XX/XX/XXXX ) opened a Premium Rewards credit card with Bank of America to take advantage of a great offer. The fee related to the card is an annual {$95.00} fee. I opened the card and began using it and was immediately charged the {$95.00} annual fee unexpectedly on XX/XX/XXXX.. I called Bank of America after reviewing my card member agreement and the online fees section to let them know that the fee on the agreement and online says nothing about charging me immediately for the fee and was told by the specialist that " we have that information here but its not on the agreement. '' My concern was passed along to Sr. Management and was told not to expect a reply. 

Today ( XX/XX/XXXX ) I called and spoke to a card member specialist and  then escalated the call to her supervisor XXXX, both very nice. Both agreed that I have a valid complaint, which is that I want the annual {$95.00} fee refunded as I assumed it was an annual fee that I would expect to see charged to my account in the 12th billing cycle, not immediately. They were unable to refund the {$95.00} fee and told me to send a written inquiry to the billing department when my bill arrives. In my opinion, this is a UDAAP violation as Bank of America omitted specific information about when the annual fee would be charges to the account ( as other credit card companies make clear in their credit card agreements ) to make the offer more appealing to consumers. Had Bank of America stated this information in the card member agreement and fees section online, consumers might not apply for the card for this reason alone. 

I simply want my {$95.00} annual fee refunded and for Bank of America update their card member agreement related to this offer to clearly state when card members will be charged with this {$95.00} annual fee.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.