davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/2022, I was out of town in XXXX Texas and I open my bank account and noticed that over {$1500.00} from my account was stolen. I filed a complaint and dispute with Bank of America fraud department and they did not offer to refund me even a partial amount of that money. I am a college student who works full-time still trying to make up for that money that I had lost. I was out of town with my bank account and the negatives with no access to any type of funds available stranded out of town for three days. Bank of America refuse to refund me despite this having nothing to do with me or at my fault. Someone had hacked into my debit card and stole my money
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence engelhardt v. gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX {$110000.00}, XXXX XXXX {$14000.00}.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My claim started on XXXX XXXX, 2017 when someone used my Chase debit card at the ATM to take money from my checking account. I notified Chase and later the claim was approved. After I received my replacement debit card, it was used to make purchases. When I called to report the activity to Chase I was stunned to learn that Chase had not disabled the PIN number. They said if I wanted to change it I would have to take the card in to the nearest branch. Well the damage had already been done. Four more cash withdrawals. I believe Chase is guilty of not protecting me by leaving the PIN active. Now Chase is denying that claim. Im not sure why. The money was taken away without warning. i got up in the morning and i was {$690.00} overdrawn. Im pretty sure if I had not borrowed the money from my mother-in-law to put back in the bank i would have been charged overdrawn fees every day. 
Well my checking account wasnt the only victim.. My Chase/Slate credit card was also used without authorization. As well as my XXXX card, my XXXX card and, just yesterday my XXXX. XXXX seems to always be involved. This last time i had used my XXXX at XXXX that morning. A few hours later it was used by someone and again that night. 
I intend to keep writing to anyone who will listen. So far I have filed 2 claims with the Consumer Protection people. Next I am writing to the Attorney General. 

Last week I tried to shop with my debit card and kept being denied. I stopped in at the local bank and was told that you had closed my accounts. you had closed my Slate and Freedom the week before. That was fine. I had no credit left. But I need my checking account. I have medical procedures coming up which require a co-pay and my income is direct deposit. now I 'm getting letters from Chase saying they are denying myb claims because In gave authorization to the user. these are claims that were already resolved. Suddenly they think I let someone use the cards, max them out.. Why would I do that. If someone got access to my cards and used them without m, y knowledge or authorization, that 's still theft. Chase would sometimes deny 2 or 3 attempts to use the card and then let the next one go thru. did they think to call me and see ifv I was using the card? n did they think to request surveillance footage so I could see if it was someone I know. now they want to pile everything back on me to keep paying for things I did n't buy. Chase did n't help me. I have already claimed financial hardship with my other creditors. I 'm XXXX years old, living on social security and recovering from a XXXX. This is a disaster.
Consumer complaint received 2022-10-02
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. (NJ)

I am been working for almost 2 years with Equifax to ensure no personal information and account information is incorrect, and not a mixed report with another person. 

I have additional issues with the accuracy of the Equifax report, including have an alternate social security number included that is incorrect. Further, Equifax removed some of my correct accounts from the report. 

I have attempted to remedy this multiple times.
Consumer complaint received 2022-10-03
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)

XXXX XXXX  account on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

Experian XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2022, I received an alert for a new credit inquiry from Bank of America. I immediately called Bank of America to inquire about the credit pull since I had not personally requested or applied for any new line of credit from Bank of America. After thirty minutes on and off several phone calls, once having been hung up on after being placed on hold, I was given a direct phone number to the Bank of America credit department. On XX/XX/2022, I reached out to the Bank of America credit department, who confirmed, indeed, there was a credit pulled on XX/XX/2022 for a XXXX XXXX XXXX. An investigation into a fraudulent application was initiated per Bank of America. I strongly believe that, instead of a fraudulent application, Bank of America illegally proceeded to pull my credit without my consent. On XX/XX/2022, Bank of America asked me to update my income on signing into my online account. I strongly believe they proceeded to run my credit without my consent based on my updated income. This inquiry into my credit is increasingly troubling for me at a time with rising interest rates and with me locked into a fixed XXXX ARM. I intend to proceed with any legal means if my credit score decreases secondary to this inquiry that I did not initiate. I strongly believe this as a result of UNFAIR PREDATORY LENDING PRACTICE by the institution. I have never experienced this problem with Bank of America in all of my seventeen years of relationship. Moreover, I have not used my Bank of America credit card in over one year, so there was no need to provide another credit. I am counting on your institution to hold Bank of America accountable for this illegal practice that has significant financial and emotional stress to consumers. No consumer should have to endure this greedy practice from any bank let alone a giant institution like Bank of America. Looking forward to an investigation into this practice and ultimate substantial consequence for their lending practice. I truly appreciate your work and look forward to hearing from your department.
Consumer complaint received 2022-10-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

This bank has charged an excessive of fees and is rearranging the order of charges to charge more fees. I made a despoit that is being held 3 days just in time for another {$12.00} fee to be charged and enough time that if I leave the account overdrawn I will continue to be charged {$12.00} despite initially depositing to cover the either overage. this is now the second time the bank has done this. Additonally if you make any other request through email or chat you are told to call the phone number who then told you the branch decides everything. You get notification days after the initial issue despite having alerts for it. the alerts can ONLY be viewed when you log on via a computer can nor be accessed through the app at all. was charged an overdraft before a transaction even posted and then charged another after the fact.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (NJ)

As of Today, Experian supplied a false creditreport to XXXX XXXX  and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to XXXX and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.
Consumer complaint received 2022-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc. (AL)

Since XX/XX/2022, I have paid my car loan bi-weekly to ensure the full monthly payment of XXXX is paid every month. However, since XX/XX/2022 - present, they keep reporting my accout as past due to all credit bureaus. Also, it shows the remaining balance is {$31.00}, XXXX but the loan was financed at {$32.00}, XXXX in XX/XX/2022?? This has severely DAMAGED my credit and the XXXX XXXX value of this vehicle is only worth {$14000.00}!
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (WI)

I obtained a title loan from Wisconsin XXXX XXXX XXXX XXXX XX/XX/XXXX for about XXXX dollars. I defaulted on the title loan and my vehicle was repossessed. I was told that was the end of that. I recently checked my credit report and saw a closed account from National Credit Adjusters from non payment of XXXX dollars they said that I owed Wisconsin XXXX XXXX XXXX XXXX. The date this account was opened by National Credit Adjusters say XX/XX/XXXX and the acoount was closed XX/XX/XXXX. Now I was never informed by Wisconsin XXXX XXXX XXXX that I owed them anything after they took my vehicle. I was never sued for any judgement I was never contacted by either of these companies for anythng. When I called Wisconsin XXXXXXXX XXXX to ask they told me to call National Credit Adjusters and when I called National Credit Adjusters they told me to call Wisconsin XXXX XXXX. In the meantime I have a XXXX XXXX dollar closed account that has greatly impacted my credit score and I am almost positive what they did is illegal from the rresearch that Ive done
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I DO NOT RECOGNIZE THIS ADDRESS BELOW PLEASE REMOVE IMMEDIATELY THANK YOU. 

Remove this address from my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-10-04
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: DISCOVER BANK (FL)

In XX/XX/2022 I noticed 2 charges for XXXX had gone through on my credit card ( automatic, reoccurring charge ) for XXXX and XXXX. I do not have a XXXX account. I called Discover and explained, they assured it would no longer go through. 

It went through again for XXXX so I froze the account and ordered a new credit card. 

The new credit card came and Discover CONTINUED to let the charge go through as it was a reoccurring subscription charge. 

In XXXX I called again, and filed a fraud dispute and asked for the money to be refunded and the card NOT allowed to be charged by that merchant again. The dispute case was resolved and they refunded three of the charges ( 5 total charges ) since you could only file the dispute online attached to each individual charge. 

I thought it was solved, but again in XXXX the charge went through. I called again. I was assured this time it was solved. 

BUT in XXXX it went through AGAIN. Spoke to another individual who enacted a feature on the card that will prevent any and all subscription services from pulling automatic payments. Unfortunately Discover does not offer any confirmation numbers, or email receipts of these conversations nor do they have a way to contact them in email so you can have written documentation. However, these conversations and notes are associated with my phone calls and when I call agents are able to look at the prior conversations. 

At this point I just needed the charges to stop - Discover has not refunded the money, but I just wanted it to stop. XXXX has NO record of this card ever being associated with an account. 

In XXXX, the card was charged once again. I just called today and was transferred about with no solution and no refund. 

At this point I have gone to Discover to fix it multiple times so it is time to pursue another avenue.
Consumer complaint received 2022-10-02
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: BMO Bank, N.A. (GA)

For years, I've had this card and paid its annual fee ( $ XXXX ). This fee included access to a worldwide network of Diners Club airport lounges. The past few times I've tried to access the lounge, the lounge turns me away saying that the benefit is no longer valid. 

If this benefit has been removed, BMO should refund me the annual fee ( {$95.00} ) plus the additional card fee. The only reason I have this card is for the airport lounge benefit. I've received no written communication of any policy/benefit change. This is the bank 's current advertisement for the card benefits : https : XXXX
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (AL)

In accordance with the a Fair Crediting Act Conversion:
( 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to privacy
 In accordance with fair crediting act 15usc 1681 604A section 2, A consumer reporting agency cant publish any account without written instructions.
Consumer complaint received 2022-10-03
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request EQUIFAX the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. Here are the list of items that needs to be delete in my file : XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XX/XX/2022
Consumer complaint received 2021-08-04
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: ALLY FINANCIAL INC. (FL)

hi, my name is XXXX XXXX, I was applying for a refinance loan for my vehicle with a company called ALLY XXXX and this company did a 4th time inquiry check on my credit when it must have been one time and not four, this is affecting my credit in a really wrong way, I tried to communicate with the company and they didn't give me any answer.
Consumer complaint received 2022-10-03
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. (NC)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (NJ)

The company name is XXXX. 

I had initiated a international money transfer for {$24000.00}. I wired the transfer from my bank account. Upon receipt of the wire payment, they closed my account and are now not giving me any response on the reason nor on what will happen to the transaction, will it be cancelled and money refunded or what. Attaching the contract and account closure notification for your reference. 

I need intervention from CFPB to get this resolved so that i can recover my money.