davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I already lost 4 hours in phone calls trying to resolve this. On XX/XX/XXXX I called BofA to report my XXXX credit report showed I opened a credit card with BofA which I never did. 

The bofa representative did not understand my request correctly and closed my 5-year old credit card with BofA and marked as fraud. Before finishing the call he repeated the account number and I stated he made a mistake closing my account ending in XXXX but he panicked and transferred me to another person. 2 hours back and forth with fraud and customer service. No one could resolve my issue. 

On XX/XX/XXXX my statement will be due and XX/XX/XXXX I will have another statement due. I have no access to the online website anymore and could not pay my balance. 

Today XX/XX/XXXX i called again to pay this by phone. I lost another 2 hours back and fourth with the customer service and fraud. Customer service can not accept the payment because the account is flagged as fraud. Fraud could not resolve as well. I tried to speak with a manager in the fraud department. And could not reach him. 

Eventually the fraud department asked me to try to pay through an IRV system. She forwarded the call but I was disconnected. 

I am filling this complaint after 2 weeks and 2 phone calls ( 4 hours total ) trying to pay my balance in an attempt to have someone who can resolve this issue and before my credit report gets damage due to the series of BofA mistakes, ad training, and failed procedures.
Consumer complaint received 2022-09-30
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. (FL)

Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXXXXXX XXXX  NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX 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
Consumer complaint received 2022-09-30
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: LEXISNEXIS (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late on two accounts XXXX and XXXX. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2022-09-30
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: LoanCare, LLC (DE)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-30
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: SYNCHRONY FINANCIAL (GA)

I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2018-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Inquiries not mine.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.
Consumer complaint received 2022-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Unfortunately, Ive been living XXXX for a while. I come back home to XXXX XXXX and I see all these Capital One bills no cards., There was a lot going on in the world so I felt I could handle it. I had good credit no credit cards on my name or bills on the house to to be exact one in XXXX XXXX in the US amazing credit in XXXX XXXX XXXX 100 % though lol and raised., I tried sending the money with a little extra money so that they dont with my credit Capital One they sent the money back to my XXXX XXXX  XXXX and they close the card! I called them to pay it. They gave me attitude and made me feel like Im a thief. It made me feel like it was fraud, which is so untrue because the one capital one card that I did have in my wallet was not paying on payday was paying a week before or month before the payday And the two surprising Capital One cards that people were charging on. I was paying those off I just cant get another capital one when I called them. They said its not even in their system. Ive waited years since a child to fix what I ruined and now they destroyed it again if they would like the money for anything they want to do is fine with me, but theyre not my charges Ive never owned a blue capital one Corporate card and if I did have a capital one corporate card, it would have more than XXXX bucks on it and why are they charging me XXXX and why did I tried to pay it and they did not accept and why are they destroying my credit? Ill leave that up to you guys, but XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Those are not my charges never seen those cards. Im living in XXXX during the coronavirus while my parents passed away so I believe its a little fraud.
Consumer complaint received 2022-09-30
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: CITIBANK, N.A. (NM)

On XXXX XXXX, 2022, a charge for {$61.00} from XXXX XXXX appeared on my Citibank credit card statement. I do not recognize this charge, and the statement says its from last XXXX. Ive contacted Citibank by phone on XX/XX/XXXX, XXXX, and XXXX, but they have done nothing to resolve this. Each time they say XXXX get a credit, but it never happens.
Consumer complaint received 2022-09-30
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. (FL)

I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXIn accordance with fair credit reporting act XXXX the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.
Consumer complaint received 2022-09-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION (OH)

I received a call from The financial meditation services spoke to XXXXwo people on XX/XX/XXXX. The call came in from a private number, but left a voicemail stating if I didnt contact the number and reference the case number that I would be taken court and have my wages garnished for a loan thats over 7 years old. First it was stated I owed {$300.00}, then I was transfers to some guy XXXX XXXX who said I owe {$1000.00}. XXXX XXXX then turned around saying I owed {$3300.00} for a payday loan. First they said I owed one company than turned around stating I owed 3 companies. I asked for a letter in the mail with this information and I was told they already sent a letter in XXXX. They stated they will not be sending any letter. XXXX XXXX got very irate with me, because I didnt understand what he was saying. He yelled at me etc. They stated they were in Arizona but the number was in VA. I was told if I didnt pay XXXX by XX/XX/XXXX that I would be getting a letter for court.
Consumer complaint received 2022-09-30
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. (FL)

I have written to the credit bureau a few times asking them to do a theral review of my credit report they did. but i did a research and found improper even after they did the theral review of the account numbers XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with fair credit reporting act XXXX the account numbers listed above have violated my rights.15.u.sc1681 section 602a section2 : it also states a consumer reporting agency can not furnish a acct without my written instructions.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (OH)

I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX, XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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. (FL)

Some companies are reporting late when my payments have always been on time. 

XXXX XXXX XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX BANK NEVER LATE XXXX XXXX XXXX NEVER XXXX XXXX XXXX XXXX NEVER LATE XXXX XXXX NEVER LATE INQUIRES ARE NOT MINE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AUTO MALL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I do events for a living, so I book venues a lot. I have a friend who sent me someone elses number saying that someone owned a venue. The venue owners name is XXXX. I spoke to XXXX over the phone and we agreed that I would host an event there. I booked the place and signed a contract online. I never got to see this place in person or to meet him, but I trusted him because Ive done this plenty of times and there has never been a problem. I sent him {$2500.00} through zelle. 2 days before the event, XXXX canceled it and said he would send me the money back. Its almost been a month now and he blocked me and didnt send any money back. Im only XXXX XXXX XXXX and I need the money back asap. I asked the bank to help me and they said they cant do anything about it. Please help me. The contract says he must send it back if he cancels it. His company name is Invite Only. His name is XXXX XXXX XXXX. Location of his venue is XXXX XXXX XXXX XXXX XXXX, FL I have all proof necessary I use Chase Bank I sent him XXXX payments of {$1200.00} through XXXX His phone number is XXXX
Consumer complaint received 2018-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX I want the above account removed from my TransUnion Credit Report . I do not owe any money. This account DOES NOT belong to be me and I want this account removed ASAP.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Resurgent Capital Services L.P. (PA)

In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USC 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I contacted USAA about my debit card being declined at the grocery store. When I called I was told that we only had {$5.00} in our account. I told the rep at USAA not we should have nearly XXXX. He then proceeds to tell me that there are 3 charges one for {$10.00}, one for {$740.00} and Finally {$3100.00}. I told the guys that these charges where not authorized by me or my husband. I called and reported the fraudulent charges, however ; USAA stated that they can not return our money until they do an investigation. Which is untrue as over the month of XXXX we have both had to have our debit cards replace 2x each and several charges returned to our account. I told the rep that I researched the company that did the charges and they do not exist. USAA has become the worst financial institute to deal with. They do not apply the same rules to every fraudulent case which is unacceptable. I have been banking with them for over 15 years and have never had this many problems. I feel as if our banking account is being access by someone within the company or they have a breech that they are not telling their customers about. I am at the point that I am going to sue them for fraud and for not keeping our account safe. When we first had to report fraudulent charges at the beginning of XXXX they told us that they would notify us of any unusual transactions, however ; they will block our card if we use it at say XXXX buying less than {$50.00} dollars worth of food but when we get charged nearly {$4000.00} they do nothing but tell us there is nothing they can do but open a fraud claim. This is un-true because when I have called in about other fraudulent charges they refund our money right away. and now that someone has cleaned out our account and I reported it within less than 24hrs they wont do anything to help us get it back. They allowed our account to be cleaned out and told us that we have to wait 10 days to get our money back. I told them that this company is our of XXXX which should have been a clue right there. I am a XXXX Veteran and my husband is a XXXX XXXX XXXX XXXX This has caused us a financial burden and has also created undue stress to both my husband and I which has also caused my husband to nearly end up in the hospital from all of the stress USAA has caused us over the last month. They need to be held accountable and treat their XXXX with more respect and undue stress. We have not money, we can not buy food, pay our bills, or even buy gas. This has caused a major hardship on me and my husband.
Consumer complaint received 2022-09-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I obtained a leased vehicle through Hyundai Motor Finance ( XXXX  ) in XX/XX/XXXX and licensed the car in XXXXXXXX XXXX I moved to XXXX XXXX, XXXX in XX/XX/XXXX and re-plated the car in XXXX. In XX/XX/XXXX, I received a bill from Hyundai in the amount of {$760.00}, stating XXXX  had paid the property taxes on the vehicle based on an assessment from XXXXXXXX XXXX  for the period of XXXX to XXXX. I reimbursed Hyundai for the taxes on the car and filed a dispute of the bill on the basis that the car was plated and physically in XXXX XXXXXXXX XXXX during that time period. 

I provided documentation to Hyundai to that effect on five ( 5 ) separate occasions between XX/XX/XXXX and XX/XX/XXXX. I have never received any information from Hyundai about the status of the dispute nor have I been reimbursed for the tax payment. ( By the way, at one point in XX/XX/XXXX they threatened to repossess the car for non-payment because they had been applying my monthly lease payment to pay the tax bill instead of applying to my lease balance with no notice to me. ) I have since purchased ( and sold ) the car. 

Today, XX/XX/XXXX, I received a new invoice from Hyundai demanding payment in the amount of {$840.00} for taxes assessed by XXXXXXXX XXXX for the time period of XXXX to XXXX. I have contacted Hyundai and ( again ) have been told my only option is to fax or mail a dispute to the Property Tax Department. There is no phone number, no email address, and no escalation process. 

I have also attempted to resolve this with the XXXX XXXX Treasurer 's Office. However, only the owner of the car can inform the city of any change in location of the car. Since Hyundai owned the car, I did not have standing to inform them of the change. 

I'm requesting assistance in resolving this dispute since XXXX is unresponsive and has made no effort to contact me except to collect payment for a debt I do not owe.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I opened this claim with CFPB XXXX, and the bank answered that they will reissue the provisional credit of XXXX for the claim n XXXX. But That provisional credit wasnt posted. 
Attached goes the answer letter
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (TX)

I have two problems with XXXX XXXXXXXX. The first problem is me and my mother submitted an authorized user form on her account in XX/XX/XXXX so my credit report would be positively effected. We are now in XXXX and it has not showed up on my report yet! I have been getting the run around with this as at first I wasn't on there then I was then wait 30-60 days now they can't tell me anything more ... ... .. the second thing is I applied and was approved for the XXXX credit limit XXXX credit card around XX/XX/XXXX. I received the credit card via mail, I sent them the front n back of my license and ssn which I have never had to do for a credit card company as that should be on my application when I got approved. I called in checking on my mom 's authorized user status in XX/XX/XXXX and the woman told me my mother created a new account for me instead of the authorized user form. I informed her my mother only wanted me on her account as a authorized user and not a whole new card. The lady said no worries and cancelled that card she said my mom signed me up for instead of the authorized user. Turns out she cancelled MY XXXX card which had nothing to do with me being an authorized user on my mom 's account! So, they closed my card out before I could even really use it! That costed me XXXX points deduction on my credit report! I also have a hard inquiry on my report for no reason at all since they cancelled it without my permission! Is the whole XXXX XXXX  company a joke or are they trained correctly? I want this fixed!!!!!!!!