davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My Bank of America credit card has been compromised several times over last few years. No charges appeared on my acct so I can not investigate myself. 
Upon calling the bank they refuse to tell me who the merchant is citing, by " law '', they could not fearing the merchant would suffer loss of business if revealed I feel the consumer is entitled to this info to determine if this is the same merchant. They would only state the date of the compromise was XX/XX/XXXX and it was not via online, but an actual store. I Am trying to verify if this, in fact, is a federal law.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

This is more than just closing an account, I was the Victim of Fraud through a 3rd party company regarding school loan consolidations. The amount was for {$590.00} or so. 
The fraud was very well done, I didn't notice until several months later when my actual loan lender contacted me. It took place on XX/XX/2016, I did not find out until XXXX. I reported the claim as soon as I found out to my Bank Wells Fargo, they even help me locate the 3rd party information and acknowledge on a call that the company had several fraud notes on the web.

A few months later, Wells Fargo contacted me informing they lost the fraud claim and then they deducted the funds from my account. I tried to talk to several people from the bank and one helped me. I went to a loca branch, and the manager suggest to keep trying. The bank provided no information on how to approach this and continue saying that I lots the claim. I refused too be responsable, I was a victim. They said that was my choice and that they would take me to collections and and report my account. I try to call several times before and at one point the call was supposedly escalated to an other department and a " Manage Supervisor '' Again they offer no middle grounds and they did not protect me, the customer. 
I recently received a noticed, now they closed my account and they sent me a notification about reporting me to entity. 
Now I don't know what to do or who to contact, the bank has escalated this instead of helping. 
Thank you XXXX
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MI)

My husband and I each applied separately at different time about a year or two appart to Citi Card  because they had what looked to be a great cash back program. My husband and I both have excellent credit. They have now declined both of us but the reasons they gave were false. They told my husband that he could not have credit because he applied online and on paper, which he didn't do, but they would not reconsider. They told me it was because XXXX put a hold on credit. I called XXXX who told me my credit was NOT on any kind of a hold or alert and that I had no late payments, defaults or anything. One of the listed bonuses Citi offers is for paying off credit card every month. My husband and I pay our credit card off every month. I believe Citi is looking for people who carry a balance ONLY and reject the rest. The problem is that by applying for a credit cart that the company was never going to approve, then affects my credit because they pull a hard report from the reporting company. This is a SCAM!!!
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

There are two debts purchased by XXXX XXXX XXXX in which XXXX XXXX is listed as the original creditor. 

I am disputing both of these debts and I claim I have no responsibility for them. I have previously disputed these debits asking for information to validate these debits.
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Date : XXXX XX/XX/XXXX My company name is XXXX XXXX XXXX XXXX XXXX -XXXX located in XXXX XXXX . We have a vendor XXXX XXXX ( XXXX ) XXXX - XXXX. We purchased books from them and will remit settlement to to their account occasionally. 

Since XX/XX/XXXX, someone in XXXX hacked into our e-mail server, change the e-mail content from our vendor XXXX XXXX ( XXXX ) XXXX, asked us to remit to a new account in for the beneficiary name XXXX XXXX ( XXXX ) XXXX  with Wells Fargo. 

From XX/XX/XXXX until XX/XX/XXXX, we have made 3 transactions : 1. on XXXX XX/XX/XXXX US {$50000.00} Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 2. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX Remittance Amount : USDXXXX 3. on XX/XX/XXXX Remit Date : XXXX XX/XX/XXXX TT Reference No. : XXXX Beneficiary Name : XXXX XXXX ( XXXX ) XXXX Beneficiary Bank : Wells Fargo Bank Beneficiary Bank Account : XXXX / amended bank a/c # on XX/XX/XXXX to XXXX Remittance Amount : USDXXXX When we found out those transactions are involved fraud on XXXX XX/XX/XXXX, we reported to the XXXX XXXX Police immediately and we made call to Wells Fargo Bank to report those bank accounts involved fraud, the staff from Wells Fargo Bank have checked those accounts and mentioned that those accounts ' holder name are not the same with our beneficiary name XXXX XXXX ( XXXX ) XXXX. She asked us to send the claim form for refund of remittance via our local bank XXXX XXXX XXXX. 

We did submit the 3 claim form for refund of remittance via our local bank XXXX XXXX XXXX on XX/XX/2018. However, our local bank XXXX XXXX XXXX advised that the Wells Fargo can not refund the remittance due to those accounts are closed. 

We XXXX XXXX XXXX XXXX XXXX would like to submit a complaint to Wells Fargo Bank. Why the beneficiary name XXXX XXXX ( XXXX ) XXXX of those accounts are not matched and they still transfer money into those accounts? Wells Fargo Bank seems allow those fraud bank accounts holder open those bank accounts so easily and without limitation. 

Best regards, XXXX XXXX General Manager E -  XXXX T - ( XXXX ) XXXX XXXX F - ( XXXX ) XXXX XXXX M- ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (NY)

I received a letter stating that I was denied a credit card because they were unable to verify my identity however, I never applied for such a card. I tried to call the number on the letter I received but are unable to get through to anyone other than an automated system. I am worried that someone is trying to get credit in my name. The CC company is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX letter dated XX/XX/2018
Consumer complaint received 2018-02-20
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: Credit Plus Inc (MI)

RE : Request to remove Unauthorized Inquiries or provide documentation of Authorization Dear Sir or Madam, On XX/XX/XXXX I filed a dispute concerning inquiries from Credit Plus claiming I did not authorize hard credit pulls on XX/XX/XXXX and XX/XX/XXXX. 

Credit Pluss response was ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. Credit Plus is a " reseller '' of credit information and provides credit report information from the 3 credit bureaus at the request of clients per the Fair Credit Reporting Act guidelines. If you did not authorize access to credit data ; please file a new case. 

Again I specifically asked for documentation from Credit Plus, I do not care who they pull my credit for, they can not pull it without the proper authorization and if they are pulling credit reports without the proper documentations from it's clients then that is also a monsterous violation of the FCRA. The inquiries are in the name of Credit Plus not some other third party.

Credit Plus claims they follow the guidelines of the FCRA, then follow them. 
So again, I did not authorize Credit Plus or anyone else to pull my credit on XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX, XX/XX/XXXX, Therefore per FCRA, either provide the proper documentation that I authorized credit Plus to pull my credit reports from XXXX, XXXX and XXXX for those dates or remove the inquiries immediately. 

Here was my request I am requesting for Credit Plus to  either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

Please remove the unauthorized inquiries from my XXXX, XXXX and XXXX reports or provide me with the unredacted documentation that gave Credit Plus permission from me to pull my credit on the dates listed. 

Thank you for your assistance in this matter,
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to correct my Bank of America Preferred Rewards balance since XX/XX/XXXX of last year. On five different occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX starting with the local branch manager ) I contacted Bank of America or XXXX XXXX  regarding the 3-month average combined balance which does not reflect what is posted in all accounts. This is important because I plan to reduce the amount in my bank accounts which will place me in a lower tier or possibly out of the Preferred Rewards program. However, if the proper amount was disclosed I would easily qualify for Platinum Honors after withdrawing from my accounts. 

I received an email last year stating that I had been upgraded to the top tier in the program-see attached email. OnXX/XX/XXXX I contacted the Rewards group again explaining the tier was not in question but the combined balance was the problem. The program representative I spoke with created a case number, # XXXX. He verified my contact information and assured me I would be contacted by XX/XX/XXXX. Today is XX/XX/XXXX and I have not heard from anyone. 

The Bank of America accounts ( checking, money market, CD ) and the XXXX XXXX/XXXX XXXX account ( several stocks ) have been linked. Currently the sum of all accounts is approximately four times what is documented in the Rewards program substantially above the top tier. It appears that combining the banking and investment amounts is not in the equation. This is disconcerting because the bank is going to start a monthly maintenance fee for checking accounts if the rewards balance is not met. 

Bank of America 's apathy in the matter considering what I have on account is insulting. Any help in resolving this issue would be appreciated. Thank you
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT EXPERIAN, XXXX, AND XXXX A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX.. ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXX THAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO XXXX, EXPERIAN  AND XXXX   XXXX I WAS DELINQUENT ON XX/XX/XXXX/ THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX. SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XX/XX/XXXX. ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED XXXX XXXX XXXX XXXX ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY EXPERIAN CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM XXXX XXXX XXXX XXXX XXXX AND ACCORDING TO EXPERIAN THEY COULD NOT USE THAT FOR MY DISPUTE. EXPERIAN DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR XXXX XXXX AND XXXX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY XXXX AND MY XXXX XXXX CREDIT REPORT
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On or about XX/XX/2017, I called my bank XXXX XXXX to ask for new checks to be sent to my new home address because I had run out of checks. They said that they would send the checks right away. After a week, the checks had not arrived so I called them again and they said the same thing. I wound up calling XXXX XXXX six times over a two month period, each time urging them to send the new checks because I had bills to pay on another bank account ( XXXX XXXX ). Finally I was late on a car payment ( 30 days ) because I did not have the checks to make the deposit to XXXX XXXX. The checks finally after 6 calls and two months did in fact arrive, after which I immediately went to XXXX XXXX to make the deposit and the loan payment. XXXX XXXX in the meantime, filed a 30-day late notice with the credit reporting agencies. I feel that this is completely wrong and irresponsible on XXXX XXXX 's end that they did not send the checks and now I have this on my credit score which has gone from XXXX to XXXX on one credit reporting agency.
Consumer complaint received 2018-02-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

To whom this may concern, XXXX XXXX reported my account with a balance of {$0.00} in XX/XX/XXXX. In the attachments provided you will see my last payment date of XX/XX/XXXX. XXXX XXXX is requesting that I provide more information than what has already been updated on my credit reporting. It is illegal for your company to obtain an account without having all of the information. In the next 30 days, I need to view my ORGINAL CONTRACT W/ A COPY OF MY SSN AND MY ID to prove ownership and not identity theft. Reason : Per my credit reporting account w/ XXXX XXXX has been closed sinceXX/XX/XXXX with the last payment being XX/XX/XXXX. I am also requesting my ENTIRE FILE that way your company can be provided all necessary information regarding my payments. If you are unaware of this information you would need to contact XXXX and update my reporting. I have no recollection of any business with XXXX and I would also like for you to prove that I owe XXXX. XX/XX/XXXX I do plan to take legal action thus you have already been provided proof showing debt is not valid and made of abuse of credit reporting. 


XXXX XXXX XXXX Last 4 : XXXX Previous information was submitted XX/XX/XXXX via email after sending correspondence week of XX/XX/XXXX via mail. ( XXXX previously advised they can not received proof via email only mail-stall tatic easy way for company to state they never received and or stall disputing process. ) Orginal disputed information contained snap shots showing XXXX XXXX XXXX balance XX/XX/XXXX last payment XX/XX/XXXX. When following up with XXXX to be sure receipt of information they stated they have received information and requested for me to send them further information such as contract/agreements made to resolve the balance. I then advised XXXX that since they purchased account they should have all information necessary regarding file and should not need me to send anything to verify. If they do not have information they have to go off of what was provided by their client and their client has provided them misinformation per credit reporting. I then sent the above information XX/XX/XXXX with attachments from credit karma showing balance has been resolved. Please help with this issue.
Consumer complaint received 2018-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Regional Management Corporation (NC)

XXXX XXXX XXXX was reporting this account as a collection on my report during the time when the account was showing open with the original company. The company XXXX XXXX stated they were handling the issue and was not using the reporting agency. According to my XXXX credit report, they reported past due and in collections when they were not allowed to. XXXX was also showing the same information and the account being opened with them. When I reached to XXXX XXXX over the course of 2 years, each time a representative was rude and could not provide me documentation where XXXX asked them to obtain the account. It was being reported negative wit past due and as a collection, causing my score to drop significant. XXXX stated this would be fixed and XXXX XXXX was to close and delete the account back in 2016. This is still on my report as a collection incorrectly and with 27 90 day past dues!
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This complaint is against Experian credit reporting agency. 
This complaint is in reference to Experian Report number XXXX Experian Report date : XX/XX/XXXX Experian has posted a negative comment/item on my credit report since XXXX, concerning the merchant XXXX XXXX. 

The negative comment related to an unpaid account balance of approximately {$15.00} plus late fee. 

XXXX XXXX has investigated and concluded that it was their mistake. XXXX 's has issued a letter to me acknowledging their mistake and an apology. 

This information was forwarded to Experian in XXXX. After months of inaction and white wash from Experian, today the negative comment still remains in my credit report. 

Experian has consistently failed to properly investigate and ascertain the correctness of a negative report before they post it to a consumers credit report. Furthermore, after Experian was repeatedly told of the incorrectness of the posting and in the face of the merchant 's admission to such an error on their part, Experian has failed to take action. 

Experian, by their inaction to correct an obvious error, as shown by evidence and fact, has damaged my credit rating.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am just noticing a XXXX monthly fee on my account for Non-Bofa teller withdrawal. I did not withdraw any money nor does it reflect that I did in my payment history. I see that this has happened for over a year and I want my money back and a credit put on my account for every month that you have done this. While you are reviewing my account please go ahead and review any other fees to have accessed and I will do the same.
Consumer complaint received 2018-02-20
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. (HI)

XXXX XXXX XXXXXXXX XXXX XXXX  is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXXXXXX XXXX XXXX of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXXXXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE