davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX XXXX XXXX XXXX Account Balance has been actively under dispute since XX/XX/XXXX and is the subject of a CFPB investigation, TransUnion was notified on XXXX with documentation to demonstrate dispute status however continue to report late payment status affecting my credit score.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian is making it difficult to manage my credit freeze. 

I originally froze my credit years ago. I never received the " pin '' from Experian in the mail. 

On XX/XX/2021 - I attempted to unfreeze my credit. 
- Followed the website guidance, created an account, no interface to manage credit freeze, offered a paid service called " XXXX ''. Clearly misleading information. 
- Experian hid the credit freeze service, so I searched XXXX to find the Experian website to manage credit freeze. I filled out the information, it failed to work and required me to send in a snail mail letter with a bunch of personal information. This would clearly take several days to resolve. 
- I called their customer help number ( XXXX ) XXXXXXXX during normal business hours. The prompts never let me talk to a human. The system hung up on me 3 times. 
- During three attempts, it asked " If I would like to have my pin sent via the mail '' again it transferred me and dropped the call. 
- I tried their online chat service, it was mostly unavailable, stating " All chat agents are currently assisting other customers ''. The three times I was able to " get in '' the chat service had an error, " Sorry, an internal error has occurred and this chat could not be started. '' I had success unfreezing my credit with XXXX, XXXX, and XXXX. Experian is clearly making it hard to manage credit freezes, not following the law regarding time to freeze and unfreeze. Lastly, they are misleading consumers to pay for their " XXXX '' service.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

US POSTAL SERVICE CERTIFIED MAIL XXXX On XX/XX/XXXX, I sent certified mail to XXXX XXXX. They have received the letter and fail to respond. RE : Violations I pull my credit report and notice you ( XXXX XXXX ) pull my XXXX consumer report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without a verbal or written consent from me. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. According to the Privacy Act of 1974 552a ( 1974 ) The purpose of the Privacy Act is to balance the government 's need to maintain information about individuals with the rights of individuals to be protected against unwarranted invasions of their privacy stemming from federal agencies ' collection, maintenance, use, and disclosure of personal information. Because you did not have my permission to access my consumer report. Theres a penalty of {$500.00} per date you ( XXXX XXXX ) pull my consumer report. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I am maintaining a detail record of all communication.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Bank closed credit card against my will and without reporting to me because of " delinquency '' -harming my credit, while an active dispute of fees and interest was still going on due to XXXX directly affecting managing of bill payment correctly ( not lack of funds ). Need correction of " delinquency '' report to credit and approval of reopening of card ( as I need it to use my unexpired reward certificate ) XXXX-Reward certificate expired for companion fare that had already been paid for with annual fee, due to active XXXX symptoms preventing recreational travel planning. Requesting either reinstatement of certificate with 1 year of eligibility from reissue date, or refund of {$75.00} annual fee
Consumer complaint received 2021-08-20
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: EQUIFAX, INC. (CO)

After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Attempting to make an overseas ( XXXX XXXX ) purchase of a {$120.00} item on XX/XX/2021, and the Bank of America put a hold on account requesting verification/authentication via text # code. Code was received via text after several minutes wait to receive, and the code did not work. Called customer service center @ XXXX, and placed on approximately 18-19 minute hold with no estimate of queue. Entire called lasted 21 minutes and 21 seconds, Customer Service agent was unable to resolve issue, as she wanted to authenticate via a phone call to the cell phone number I was calling from, but they had to keep me on the phone line while doing so. They did not give an alternative to authenticate me as a customer. Requested that I be transferred to a supervisor, and put on hold again. After this amount, of time to resolve I ended the call, as Bank of America did not seem interested in resolving the issue in good faith. In the previous month, Bank of America allowed approximately {$2900.00} in charges to go through on this same account, and I had to open a dispute to resolve the issue, that I detected when reconciling my billing.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

I invited my daughter to join CASH APP and we each got a {$5.00} bonus. The {$5.00} bonus showed up right away. She then initiated a payment to me in the amount of {$170.00} on XX/XX/XXXX. I immediately received a text notification from CASH APP about the {$170.00} payment, but the payment never showed up on my CASH APP acct. I went through their help menu and followed their instruction to add my cell number to my acct. Still never showed up. Other payments I have sent and received to/from other individuals have appeared right away. There is still no sign of the {$170.00}, even though it was taken out of my daughter 's bank acct on XX/XX/XXXX. I have sent numerous emails, XXXX messages, XXXX messages, and even XXXX about it. I have tried calling every number I can find and they either don't work, or have only a recorded menu telling you to go back to their online help. They either need to refund my daughter 's money, or process the payment so it actually comes to me.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On Tuesday, XX/XX/XXXX I received an email alert from Cash App for a transaction ( Transaction ID # XXXX ) in the amount of {$150.00}. I did not make this transaction and immediately reviewed my bank account and saw the transaction was pending. I contacted Cash App Support via XXXX to file a report and was provided with a link to do so. I filed a request the transaction be cancelled because I did not make the transaction. I received an email response from Cash App that the matter was being addressed. I also contacted my bank to request the pending transaction be cancelled that same day. 

The Cash App transaction was processed 3 days later on Friday, XXXX XXXX at which time I received a canned response that did not address the issue. On Sunday, XXXX XXXX I communicated with a Cash App representative via XXXX at which point I was told there was nothing they could do and to file a dispute with my bank which I did. The bank dispute outcome is still pending.
Consumer complaint received 2021-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (NV)

Since XX/XX/2021 American Credit Acceptance has misrepresented and deceived me and has been collecting a debt of $ XXXX monthly. They continue to communicate with me through mediums such as phone calls and emails attempting to collect this debt even though Ive sent a debt validation letter, cease and desist disputing this debt, affidavit of truth stating I am the original creditor, exhibits, and invoices. I sent this on XX/XX/2021. Theyve since texted me stating payment is due, emailed me, and called. Theyve also admitted they got my cease and desist.
Consumer complaint received 2021-08-20
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. (NH)

My account was mistakenly sent to Firms collection agency, and then they withdrew it.. 

XXXX  and XXXX  deleted it quickly. 

Experian has it marked " PAID '' and " CLOSED '' but still a collection account. Even after my dispute with them. Experian needs to delete it. 

This has a huge impact on my score and needs to be addressed.
Consumer complaint received 2021-08-20
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: CITIBANK, N.A. (CA)

To whom this may concern : Before I begin, let me say that I have spent hours and hours on the phone and months of time speaking to the vendor ( XXXX XXXX, XXXX, VA ) and my credit card company ( Citi XXXX XXXX ). I have done my very best to resolve the issue on my own but unfortunately I have gotten the run-around and Citi XXXX continuously changing answers while being passed from customer service agent ( and supervisor ) to misleading customer service agent ( and supervisor ), all the while enduring multiple dropped calls. Citi XXXX XXXX has strung me along for over 9 months, the most recent letter ( from Citi XXXX XXXX ) dated XX/XX/XXXX states that We're looking into the transaction ( s ) you disputed. But when I call I can not get any explanation as to why this transaction was charged to me. ( A pdf of that letter is attached as XXXX ) I monitor my credit cards religiously and have had a perfect credit record for more than 30 years. I requested ( and was issued ) a new credit card soon after this fraud was revealed. 

On XX/XX/XXXX, 2 fraudulent charges appeared on my Citi XXXX Visa account, one from XXXX XXXX for about {$900.00} and the other from XXXX XXXX for {$960.00}. I immediately called Citi XXXX Visa to advise them of the fraudulent charges. Both charges were temporarily credited. One charge, from XXXX XXXX was never in dispute and the credit was made permanent. The other charge ( from XXXX ) was put into dispute. It is this transaction that I was unable to resolve and is the reason for this complaint. 

Let me state categorically that I have never ordered anything from XXXX, I do not have an account there and the invoice from XXXX ( in the attached Citi.pdf document ) specifically shows that the item purchased was changed without a CCV code AND sent to a fraudulent address in XXXX California that is not connected with me in any way. 

The complete documentation record is attached ( XXXX ). XXXX contains a copy of the letter I signed ( dated XX/XX/XXXX ) that was returned to the Citi XXXX Visa disputes department soon after the fraudulent charge was discovered. 

I also received a the document from Citi indicating the disputed charge was discharged and. that the cardholders card has been CREDITED as a result of this chargeback. Case closed as far as I was concerned. When I returned to the account the following month, the transaction was NOT recredited and I continue to dispute the charge to this day.

I have absolutely no idea why Citi Visa is giving me a difficult time with this obviously fraudulent charge. 

I hope this fits within the CFTS mandate and that you might be able to help resolve this most unfortunate incident. My email and cell phone number is listed below and I would be happy to give any supporting details you might require. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-20
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)

On XX/XX/2020 at XXXX XXXX I deposited around {$1200.00} into a Bank of America ATM ID # XXXX. The ATM glitched out and only credited me for {$300.00}, saying the remainder amount I would need to call and open a claim with the bank. I opened a claim for {$1000.00} and the person on the phone told me even though its over the remaining amount I originally thought, that theyd be able to find and allocate the money for me no problem. The credited my account for {$1000.00} and within a few weeks I received a letter stating the claim will be closed and the {$1000.00} will be debited from my account because they were not able to locate that amount of money. So I took all of my money out of that checking account and closed my account and said goodbye to them. They then re opened my account without my permission and took out the {$1000.00} leaving me with a negative bank balance. I spent much time calling claims over and over, they now told me they found a lump some of money in that ATM, but it was lower than that amount so therefore they cant tell me how much they found and that is why the claim was closed. I was told to re open the case for less than the amount I originally put. They had me hand write a letter to fax in, was given the wrong fax number, then had to go through the process AGAIN of writing a hand written letter to then the correct fax #. I was told they were not accepting my claim because supposedly the amount of money I put was STILL not completely accurate, therefore they couldnt tell me how much they found and therefore they would not accept my claim. I was told many times that they found overcharge in that ATM, but were not willing to help me as a valued customer of over 10 years. Now Im receiving notice that my negative account will be closed by XX/XX/XXXX and reported to the credit bureau.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX. I opened a XXXX XXXXr credit card with capital one bank in XXXX. There is an offer both online and when I applied if you spend {$500.00} you will receive {$200.00} within 3 months of account opening. I spoke to a representative from capital one on XX/XX/XXXX. I was told that I will be getting the {$200.00} bonus in XXXX. They gave me miss information and now there saying today on XX/XX/XXXX. That I will not be getting the bonus. That the worker gave me the wrong information. I spent {$1300.00} in the first 3 months depending on the {$200.00} to be coming back to me at the end of the 3 months. I was told by a supervisor that she replayed the recording of one of there staff telling me that I qualify and will be getting the bonus. I told them that they are false advertising to attract customers and that I will be reporting them. I was told because I spend the {$500.00} before the XXXX when I spoke to the representative there saying that I dont qualify even though on the website and the paper I received saying that I was pre approved showed the bonus on it.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I am trying to get mortgage forbearance on 2 single family homes ( XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX, XXXX XXXX, NC XXXX ) due to covid related issues. My son, who is a co-borrower has had covid twice and I have had it once. Most of our income is derived from some rental property we own. Due to the fact that some of our tenants and some tradesmen we usually hire to work on problems at the properties have had covid, we have lost significant income from tenants not being able to pay rent and losing months or rent because we can not find tradesmen to enter homes of people with covid and/or being too sick to repair properties to make them rentable. 

Our mortgage institution, First National Bank, XXXX XXXX XXXX XXXX XXXX PA XXXX has turned down our request for forbearance.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2021, my credit card account balance was eligible for a credit balance refund in the amount of {$69.00}. I sent a secure message requesting this be refunded to me and received confirmation from this bank on XX/XX/2021, that the credit balance refund had been processed and I would receive an email within 1-2 business days with a link to claim the refund. Having not received the email, I inquired on XX/XX/2021, with this bank on the status of the refund. Since this date, they have continuously proceeded to argue with me about the status of the refund and claimed that because I have made purchases using the card, that the available refund has been absorbed by the new purchases, and, is, of course, not germane to the balance refund request, without accepting the fact that the refund request on XX/XX/2021, should have been processed.
Consumer complaint received 2021-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX