davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

RE : XXXX I applied on XX/XX/XXXX for a bank of america cash back credit card that I personally received an exclusive offer online after logging into my account. They were extending an offer that included the benefits below along with {$150.00} additional cash back for applying. Currently, I have a bank of america card without any reward or membership benefits attached. 

On XX/XX/XXXX I received a letter from back of america in the mail stating my application was denied due to : Sufficient utilization of your available credit one or more of your deposit accounts with us/or our affiliates were overdrawn limited deposit and/or investment balances with us and/or our affiliates None of the above reasons is applicable to my credit history or banking relations, I do have available credit in my current cards as I don't abuse, never had an overdrawn account there is enough assets in my account and finally I use bank of america as my primary back, with other banks I have a relationship that has sufficient cash flow unrelated to bank of america. 

I have received an letter that does not apply to my current status and feel that bank of america is abusive to their client with giving them offers and withdrawing without truth to their statements.
Consumer complaint received 2020-05-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I am looking over my credit report and see an old late fee from XXXX. I called them back when this late fee first started and they said would take off any late fee ( s ) in terms of this matter where I had paid on the wrong day and there was some confusion on my end. I am an elderly guy. My wife has XXXX XXXX and we are dealing with Covid-19 just like everyone else. I am writing again as an act of good will that this one removal will be gone. Every time I have mentioned about this nobody seems to have on the notes from there customer service any late fee 's I had will be gone. I have been told multiple occasions this would be removed. I understand XXXX has there policy 's and I respect that. It was a mix up. All I can Is I always pay on time and been a loyal customer and with everything going on It would mean a lot to me if this late fee was off my credit report my home # is XXXX Thanks, XXXX. I really would like this to be solved and hope we can all work together during these times.
Consumer complaint received 2020-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$7800.00}, {$7500.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.
Consumer complaint received 2020-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (GA)

We were told by Ford Motor Credit that we qualified for the COVID-19 measures to be excused on our XX/XX/2020 car note payment. Upon looking at our credit we have a late payment on our credit and we would like to get that updated to reflect paid on time. We have contacted FMC and they have informed us that they will correct the late payment three months ago, and the payment is still there. This late payment is hurting my SBA loan and while we are still on lockdown we can not obtain additional funding.
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (NV)

For almost three years BYL MANAGEMENT SERVICES LLC has claimed that I own money to XXXX XXXX. I provided a current account statement showing a zero balance, but they refused to concede the debt was invalid. 
I investigated through XXXX XXXX and found the debt was for an apartment XXXX when I live in XXXX. They fraudulently tried to collect money from me for a natural gas account that I have never been associated with despite all the evidence I provided. I believe this is a clear case of fraud.
Consumer complaint received 2018-05-18
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: EQUIFAX, INC. (TX)

The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on XX/XX/XXXX
Consumer complaint received 2020-05-02
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: SYNCHRONY FINANCIAL (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (AZ)

I have recently purchased a Netspend prepaid debit card from the local XXXX XXXX. Upon purchase, I deposited an amount of in the card and got a receipt with amount deposited and that is activated. The card clearly states on the back that it needs activation using SSN and some other unstated form of ID for non-resident customers. Since they did not mention that what alternative form of ID can be, I assumed my passport and US working Visa will do. When I came to activate it, I spent 2 whole days trying to solve the issue of activating the card since the online activation system wasnt accepting the form of ID that I have and wasnt giving me any alternative. Not the company itself, nor XXXX, nor VISA nor the bank linked to the card answered my calls or guided me to what I am supposed to do to either activate or get my money back which I deposited in a local XXXX. After all this, I have no other choice but to consider that I have been scammed by the company and all the responsible parties who received the payment and claim there is no way I can use the card nor get a refund. Please assist me on what I can do to report this case.
Consumer complaint received 2020-05-02
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: EQUIFAX, INC. (IL)

I have notified Equifax several times that I am a victim of identity theft and several accounts were opened in my name. I have given them the documents that they requested, yet they are still reporting Dept of ED/XXXX {$950.00} and XXXX XXXX {$630.00}. These are FRAUD accounts. I have requested in the past & requesting again that these accounts be deleted and blocked from my credit report.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I am trying to connect my checking account to my XXXX  account for automatic deposits and withdrawals etc and it uses plaid ( PLAID ) to authorize my bank and it says that PNC stops it and I have had this happen numerous times I would like that fixed so I can have my bank account linked to other accounts as I want.
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (AZ)

I received a loan from Blue Trust Loans ( Hummingbird Funds, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018. The rate is 754 % APR. I have paid {$2000.00} towards the original balance of {$700.00} over the course of 4 months. I was unaware that a loan like this is illegal in Arizona ( where I live ). Since this loan is illegal, and I have already repaid the loan and then some, I would like this loan to be voided and reported as paid in full.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Had to place a credit freeze on my account after the security breach at the credit bureau. Now they wont release my credit without faxing my info, waiting 7 days, then mailing me a response. You cant talk to a human being until being put through multiple questions by a computer. If you go through their web site, changing the password does not work so they completely lock you out after one attempt. No company should be able to shut down your life for a month. Credit is too important for any company to do this. They failed the first time. Shut them down. Now they are taking it out on the public.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Paypal has not responded to my communication request through email and their messaging system, which states that money was sent to them by XXXX through Visa.

This is an update to the case - please do not close as duplicate as it is using new and updated information. I am only uploading one single document to prevent confusion. 

Per XXXX - " When we completed our research, we sent your funds back to PayPal through Visa. The merchant can locate the funds by using ARN numbers XXXX and XXXX " Paypal has stated on their website that I won this case - This was miscommunicated to XXXX XXXX, who sent the funds back to Paypal. So, now that the money is back to Paypal 's hands, per Paypal 's policies I won this case based on the seller having no protection due to it being sold through Paypal Gift.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (IL)

On about XXXX I got a letter from my insurance co stating that LexisNexis ran a report and gave me a score. On the letter I tried 2 times to order the report and both times after knowing I entered the correct information there recording says sorry we can not finish this at this time and disconnects me. The time on the phone with them is about 10-15 minutes so its very annoying. after sending them an email about what happened, they sent me a message that they would get back to me in 24 hours. that was XXXX and now its XXXX and I haven't heard anything from them.
Consumer complaint received 2020-05-02
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. (OH)

XXXX XXXX XXXX ( ACCOUNT # XXXX ) IS LISTED ON MY TRANSUNION TRADELINES AS AN ADVERSE ACCOUNT AND REPORTING 30 DAYS LATE IN XX/XX/2019. THIS ACCOUNT WAS PAID ON TIME. I CONTACTED THE COMPANY AND DISPUTED THIS ACCOUNT WITH TRANSUNION I SPOKE WITH A REPRESENTATIVE AND HAVE RECEIPTS TO WHERE THIS ACCOUNT WAS PAID ON TIME. 
WHEN I DISPUTED THE ACCOUNT WITH TRANSUNION THEY STATED THAT THEIR INVESTIGATION CONCLUDED THAT THIS REPORT WAS BEING REPORTED ACCURATELY. THERE IS NO WAY THAT THEY COULD HAVE INVESTIGATED MY DISPUTE FAIRLY BECAUSE THEY WOULD HAVE SEEN THAT THIS ACCOUNT IS BEING REPORTED IN ACCURATELY AND THAT THE CREDIT UNION HAS ACKNOWLEDGE THAT THIS ACCOUNT WAS PAID ON TIME.
Consumer complaint received 2020-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have reached out to this company via their website twice over the last month and attempted to leave a message at XXXX ( the number listed on their website ). The number never rings and the voicemail is always full. 

I have talked to several other lenders and they said my loan servicer would be able to process my FHA streamline without the fees they have to charge. That would be awesome to avoid unnecessary fees if this FHA servicer ever replied.
Consumer complaint received 2020-03-12
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. (CA)

In XXXX of 2019 when applying for credit to buy a home I noticed several fraudulent accounts opened in my name from who I believe be my deceased ex-boyfriend although I can not now prove it. I have made many attempts to XXXX with the credit bureaus but continue only to get uninvestigated template denial letters and 0 response from either Bureau. I have attached a copy of the FTC fraud report since the credit bureaus make it nearly impossible to submit it in a timely manner I am  requesting that the cpsb help me resolve the issue and getting those credit companies to comply with the. FCRA and rules set forth by the federal goverment.
Consumer complaint received 2023-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

Unfortunately, American Express National Bank was reckless in giving a credit card without my knowledge to a criminal on XX/XX/XXXX ( attached IDTheft_Report submitted to Federal Trade Commission ). 

As attached ( Fraud Card ), regular payments stopped in XX/XX/XXXX. American Express National Bank did not contact me. 
=== Although i receive regular mail for my American Express Personal Savings account, i never received mail or email for this credit card activity. American Express National Bank has never contacted me before, on this and I never received prior inquiries for this debt. 

Instead, the debt was outsourced to a debt collection agency. XXXX hired a XXXXXXXX XXXX XXXX  ( attached Complain for account ). 

I do not have any responsibility for the debt the law firm is trying to collect. 
This is my second complaint. 
==== In the first complaint ( XXXX  response ) sent by Consumer Finance Protection Bureau, the company, XXXX XXXX of The law firm XXXX XXXX firm responded, they initially looked to serve me on XXXX XXXX XXXX, XXXX, CA XXXX. My home address is in XXXX since XXXX. 

XXXX XXXX of The law firm XXXX XXXX XXXX, represents plaintiff, American Express National Bank, some how found my home address & has served my husband, i was not at home at the time XX/XX/XXXX, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

I filed a dispute with XXXX for the following on XX/XX/XXXX, and the following were removed : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description XXXX found the disputed information were sent in by American Express National Bank XXXX 

American Express National Bank allowed to send a legal complaint which is unverified, as it never belonged to me, i never opened an account with American Express National Bank Shouldn't American Express National Bank provide verification of debt. 

If there is a good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account == 2. Proof of the transactions & statements == 3. Proof of prior attempts to contact me ==
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (OH)

Hello, I am writing to complain that my Citi credit card has been fraudulently charging my credit card for the Payment Safeguard program that I never signed up for. I just realized this in XXXX of 2019 when I was looking over my credit card statement through the Citi app on my phone. When I realized they have been charging me for this service I called and had them immediately cancel this service. I then asked them how long have they been charging my card for this and come to find it has been for almost 8-10 years. So I said I never signed up for this and would like them to refund me my money. This was my fault for not seeing this on my statement but then again I never have received a statement from them either. I just know when my payment due date is and always would call the number on my card and make my monthly payment. So long story short I called back and spoke to a manager who said that they will look into this and I will receive a letter in two weeks with their outcome. Well after doing this at least 4 times I did not get anywhere and kept getting the run around each time being transferred to a company in Texas that handles the Payment Safeguard. I asked them to provide proof of me signing up for this when at the time I probably had a {$100.00} balance in which I would not need any help with makign this payment due to the minimal amount of my payment. I can handle the low balance and I had job security so I never signed up for this service ever and it would of made no sense for me to do so to begin with. So to this date I keep going back and forth and the last response was that they could not provide proof of me signing up for this service. So my question is why do they not refund me all of the money if they can not prove I signed up. I did not sign up for this and am demanding a refund for all of those years of them charging me per month for a service I did not sign up for. It is a complete scam and have to say I am not happy one bit.
Consumer complaint received 2020-05-02
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: AMERICAN EXPRESS COMPANY (NY)

To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my american express card they had no problem with it but told me XXXX put a credit card freeze or fraud alert past few days i been trying to call XXXX   for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want XXXX  to take off anything they have frozen on my account and confirm that with me and american express as soon as possible. I'm look at XXXX  online and they have all my numbers and everything. American express is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.