davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (KY)

I began with {$100.00} in BBVA savings and {$0.00} in checking. I transferred the {$100.00} from savings to checking on XX/XX/19 and my " available balance '' and " posted balance '' for the checking account instantly showed {$100.00}. Seeing that the funds were available, I then initiated a {$100.00} withdrawal using my XXXX brokerage account for the next day. 

On XXXX/XXXX/19, I was charged a {$38.00} " NSF '' fee by BBVA : " INSUFFICIENT FUNDS-RETURNED ITEM ''. I sent an inquiry about the fee saying that the funds were shown to be available but my request for a refund was denied. I sent another message about the misleading " available balance '' and " posted balance '' shown on the site but the representative did not provide an answer for my situation. 

On XXXX/XXXX/19, I transferred {$20.00} from checking to savings and back to verify that the transfers are instant. The " available '' and " posted '' balances are updated immediately and there no indication that the transaction is pending or not complete.
Consumer complaint received 2019-10-15
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. (ND)

Issue with a financial institution which financed my auto loan. Account was paid as agreed without late history and/or late payments. The matter was brought up to the bank which understands that the history is inaccurate and explain that the credit bureau is to blame for the incorrect history. 
I contacted the bureau which states the information is being reported as accurate by the bank. Each company tells me the other is responsible for the error and the matter does not get resolved. 

I am asking for assistance as a consumer under the Fair and Accurate Credit Transaction Act and the Fair Credit Reporting Act. I am further asking that this agency help mediate the matter so that the entity reporting the inaccurate data corrects the issue with finality. 

Late history is reported thus : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-10-15
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. (GA)

I've contacted Experian multiple times and each time they either ignore me or don't follow the rules of the FCRA. I will attach my final letter to this complaint before I just take them to court. This is ridiculous and all they have to do is remove my requested accounts in question. Each company hasn't provided me a shred of proof and nor has Experian. Let 's make this easy on each side and just follow the law and rules.
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-13
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: CITIBANK, N.A. (NY)

Macy 's is reporting false information on my credit report. They say an account was open with my personal information and that i am responsible for this account. As of today i am only XXXX  years old and at the time the account was open i was XXXXyears old. The address used to open the account is ours except the apartment number is different from our apartment number. Please close and remove this account from all of my credit reports immediately Department Store National Bank is responsible for this false information. 
Macy 's is not my account. I am requesting that the item be removed and correct information be placed on my report. I HAVE ENCLOSED MY BIRTH CERTIFICATE AS PROOF.
Consumer complaint received 2019-10-13
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: Experian Information Solutions Inc. (LA)

I had recently disputed this exact issue regarding old information still being reported on my XXXX, Experian, and XXXX credit reports numerous times and they were FINALLY removed and yesterday I received a notification about a change to my credit scores. I checked them and their was a decrease of 22 and 73 points respectively as well as information on my personal contact info that doesnt even belong to me!!! This is getting to be BEYOND RIDICULOUS!!!
Consumer complaint received 2019-10-13
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. (MN)

The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Loans, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case NumbeXXXX : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call XXXX XXXX XXXX at : XXXX. XXXX XXXX is investigating the fraudulent accounts and credit inquiries.
Consumer complaint received 2019-10-12
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. (FL)

In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX But ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

American Express is reporting wrong amount information to my credit file XXXX XXXX XXXX ACCOUNT XXXX : XXXX. 

I would like for American Express remove wrong amount information to my credit file as soon as possible.
Consumer complaint received 2019-10-11
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. (TX)

Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-10-11
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. (MN)

XX/XX/XXXX mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. OnXX/XX/2019 XXXXXX/XX/XXXX placed an unauthorized inquiry on my credit report I called XX/XX/XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XX/XX/XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.
Consumer complaint received 2019-10-10
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. (TX)

XXXX XXXX has posted business credit information on my personal credit report. Furthermore, XXXX XXXX reports this account as charged off after entering into a repayment agreement. This account is being paid as agreed by the superceding agreement, and should not be posted as a personal debt.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I use my debit card for everything so much so that I memorize the card number. as soon as I moved I changed my address on the Mobile App. I was having some problems with the chip on my card over XXXX prior to the printed expiration date on it. I called in to the fraud prevention team on XX/XX/2019 as my card was declined for potential fraud merely because the chip was no longer working while speaking to them I confirmed the change in address so that I knew they should have the correct address. once we cleared the " potential fraud '' they advised me I would need a new card. I explained I shouldn't have to pay for a new card if they are not making the cards durable enough to last as long as the expiration date on them. they stated I could report the card stolen and no fee would be charged, I declined as it is unfair to me to have to go in to all of my merchant accounts and change the card number, or perhaps forget or miss one and then be charged a return check fee by the merchant because the charge would not go through. they eventually agreed to send me a new card with the same number without a charge. weeks go by and I never received my card so I decided if they would not send me a new card then I will continue using my old card. on XX/XX/2019 I tried to make a purchase and it kept refusing to go through, but would put a pending " hold '' on my account so I couldn't complete my purchase but my funds were not made available to me for 24hrs either. after it failed a second time on XX/XX/2019 I decided to look on my Mobile App and see what was wrong with my card. it is there I found that they had in fact sent my card to the wrong address despite changing it on the app AND with a person over the phone. after the extensive conversation I had on the 1st call in XXXX, I feel that this was done on purpose to spite me for requiring my debit card to be durable and/or not be charged for a new one when it isn't. Bank of America then refused to compensate me for the time I would have to spend changing all my merchant accounts and having to be without access to my own money for up to 6 business days. when I asked to at least be updated when the internal complaint review was complete, they declined. insisting that the team that investigates complaints is not able to make outbound calls, nor received inbound calls when I asked to call them for an update. this leads me to believe that these complaints in fact go no where and there will be no repercussions for the " error '' that appears to be done on purpose in retaliation. 
I have been with Bank of America for 15 years and never has their customer service been so terrible as it has in the last 2.
Consumer complaint received 2019-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

XX/XX/XXXX I took out a loan/line of credit with XXXX XXXX the credit limit offered was {$1600.00} but I only took {$800.00} at the initial time. I made payments to the loan, but made some additional withdrawals, never exceeding the approved amount of {$1600.00}. Unfortunately I fell on hard times due to loss of employment and could not pay in XX/XX/XXXX. But XXXX XXXX is now stating that I owe {$4500.00} that is a difference of over {$2900.00} in fees. I received a letter from an attorney stating that I owed a total {$4700.00} and the letter from the attorney says my financial obligation {$3500.00} plus attorney fees of {$1100.00} that says now the total is {$4700.00}. I contacted the attorneys office advising that the balance was incorrect and asked for statements and a description of the amount owed. The attorneys office sent a print out of transactions that is " not '' on XXXX XXXX letterhead, and did not provide a description of charges and fees that they were adding to a balance that they are not the original creditor on. They did send however a " XXXX XXXX Flex Loan Plan Disclosure and Account Agreement ''. The attorneys office sent a letter and stated in the letter, " Since we understand that you do not plan to pay this obligation voluntarily, we will proceed with suit. '' I never said that I would not pay and the letter I sent them was to get the correct balance so that I could pay. I do not think that it is fair if they contacted and I responded for them to assume that I did not want to pay. I just am not in the position to pay the absorbent amount of fees being charged when the flex loan did not exceed {$1600.00}. I simply sent the letter to find out where the additional charges are coming from. I want to settle, but I do not feel they should try to sue me if I am willing to work with them. I called the attorneys office and they just keep saying the amount is accurate and still failed to provide me the info on where the additional monies are being added. One statement shows one balance and the attorneys letter shows a different balance. It shows two legal fees of {$85.00} and {$42.00}, but the attorney listed fees on the letter they sent {$1100.00}. I am still baffled as to where these amounts are coming from.
Consumer complaint received 2019-02-23
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. (MO)

XXXX, XXXX & Transunion is reporting unverified accounts in collections. Accounts have been disputed but Transunion failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (UT)

On XX/XX/2019 I made an online payment on PNC 's website. The next morning I discovered that they had withdrawn the mortgage amount twice without my authorization. 
I called them immediately and was told that they had a glitch int their system and it would take 24-48 hrs to return the funds. I called them again on XX/XX/2019 because the money had not been returned as promised. This time I was told that it was 24 -48 business hours from the time that I called them. 
They have put the onus on the consumer to call them prior to them releasing the unauthorized withdrawal and have done nothing to inform the consumer of the mistake. In the meantime I have had overdraft fees and have to use a credit card for any new expenses. PNC has not offered to refund any interest or finance charges on the credit card and they have prevented me from using the money as a source of income. They will not reimburse for opportunity lost.
Consumer complaint received 2019-02-11
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. (GA)

CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four 1099 's  from XXXX, Cancelling Debt. The issue of a 1099 to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] 1099 's to me and provided the same to the IRS. After XXXX issued the 1099 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OK)

I sent a response letter to collection company LVNV when 1st started collecting and advised rep over the phone that what ever this credit or loan is was not opened by myself or authorized by me. I thought then it was handled and then my son gave me some papers a guy dropped of at our house 3months previous he had forgotten to give me and placed on top of entertainment center. I sent in copy of letter to courts that I sent to creditor months previous. I called company again and they gave no attempt to assist me and was advising me it was proved to be mine and my debt. That is 100 % incorrect. Then next communication I recieved was by my employer advising me of garnishment papers so again i appeared in court but they did not, I was again trying to attempt to get this incorrect collection out of my name and attempt to get the debt placed on the correct person that opened it. I advised both collection and attorney 's office that this must be a case of identity theft or an error by creditor because I was in the process of forclosure and sale of my home and spent about 2 out of the past XXXX unemployed with XXXX income and wouldn't have even attempted to apply for any loan or credit knowing I was without income and my credit history the past 3 yrs. I am not sure how this creditor could have possibly approved anything under my social due to scoring and past due student loans. I have no other tradlines or credit or payments once again due to the lack of income and credit trouble. This is not my account or debt or credit witch ever it may be. I am not even aware nor have I ever heard of the Creditor and I don't even know the kind of account they are trying to garnish for or when the account was opened or what the amount owed is because It is NOT my account.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (FL)

they called at XXXX and left a voicemail stating that I refuse to take care of this issue and it has been escalated to my desk in which you or your attorney need to contact me by today or adverse actions will take place. 

when I called back they refused to give me any information other than demanding my full name, SSN and address instead of looking up by phone number to tell me what it was about. They are very rude. 

Im not ignoring, we hit hard times with XXXX kids. Im just now in a position to try to take care of it and I plan on doing so. 

they are very rude, very threatening.
Consumer complaint received 2019-02-11
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. (CO)

I purchased a vehicle in XX/XX/2018 and then again in XX/XX/2018 and the dealership was informed and requested to only run my credit once, and they, without permission ran my credit more than 10 times each time. I have received a letter from the dealership stating they did not have the permission to run my credit and they would have them removed from my report, but that has not happened. I contacted the credit bureaus and they had me write a letter stating the problems, and they have since refused to remove these inquiries off of my credit report even though it has been considered fraudulent activity and was not authorized.