davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have two Bank of America checking accounts. One  of the accounts is designated for every day financial activities and the second account I use only to make payments ( utilities, credit cards, etc ). On XX/XX/2019 I received two emails from Bank of America advising that my mail account and debit card were compromised on a security breach and a new card would be issued. I contacted the Bank they they refused to inform me which merchant was the one compromising my transactions and suggested that I use my second Bank of America account for my general activities while I waited for a new atm card. I explained to the supervisor that would cause me inconvenience because that account I use for paying bills only. He said nothing could be done. I then transferred my funds to that account and on XX/XX/2019 I made a payment for my electrical bill in the amount of {$100.00}. I immediately transferred {$100.00} to the correct account and funds were available immediately for my payment. On XX/XX/2019 when I logged onto my bank account I noticed that a overdraft fee in the amount of {$35.00} was posted to my checking account and the bills was returned unpaid. I contacted Bank of America and was transferred to an agent named XXXX, who introduced himself as a supervisor. I explained to him that their security breach and trying to manage the two accounts was an inconvenience and asked if he could reverse the {$35.00} fee, since the confusing between accounts were caused by their security breach and XXXX told me that he would not work with me on that issue and the fee would remain on my account. He was very condescending and was unwilling to take responsibility for the fact that the bank caused that inconvenience with a security breach and change of debit card that was not my choice and was beyond my control.
Consumer complaint received 2020-10-07
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. (WA)

I am victim of identity theft and I have tried to contact Experian about this 3 fraudulent account that were open in my name without my authorization and are do to identity theft. ( XXXX  XXXX, XXXX XXXX, and XXXX  card ) three accounts. I provide them with a copy of my police report as well as written statement and still didnt remove or block those fraudulent account. Also my name and address are incorrect thats on my credit report. Which I advised them of that issue but they have yet to correct. I dont live in XXXX, hi and my name is XXXX. I told them numerous of times to fix this issue. They are violating my rights and fcra rights 605b. They also need to hire better representative to do their job better and to protect their customers accounts. They failed to do so.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have XXXX XXXX credit card account which reflect XXXX and XX/XX/2020 late payments on my credit reports.I had contacted XXXX   XXXX and fix the error and got a confirmation letter from XXXX XXXX which I sent copy of the letter to all three credit bureaus twice since XX/XX/2020, but no changes were done I am filing this complain because of negligence of credit bureaus.also attaching letter from XX/XX/XXXX XXXX.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (GA)

When I declined the overdraft coverage for my account I never got a letter in the mail or any other notification to let me know that opting out of the overdraft coverage did not protect me from overdraft fees on reoccurring purchases. The bank, SunTrust bank, will not take responsibility for not notifying their customer and has decided to charge me for the fees that I opted out of anyway.
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (NC)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I obtained a credit report on the web. There is a Bankruptcy from the Clerk of Court, and U. S. Bankruptcy Court item recorded on this credit report. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they should eliminate the said information from the buyer credit record ''. 

The Clerk of Court and the Bankruptcy Courts of the XXXX District of Florida have both mailed me letters which have stated that they don't give any information to credit detailing agencies, nor do they actually validate and or affirm openly available reports. 

It is the credit revealing agencies or other outsider suppliers obligation who gather information regarding public cases from openly available reports. Openly available reports information is NEVER validated or checked by the Clerk of Courts or by the Recorder of Deeds nor the U. S. Court framework because of the Fair Credit Reporting Act. 

I presently demand that you have this wrong violation of information revealing rebelliously eliminated. You have violated the law by making false statements. If not since I have all reports, I will look for litigation against your company and this letter will fill in as evidence I attempted to determine this issue.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I rented vehicles on my vacation in XXXX on : 1 ) XX/XX/XXXX - XX/XX/XXXX 2 ) XX/XX/XXXX - XX/XX/XXXX We arrived at the airport on the XXXX of XXXX and were told by a salesman that our XXXX   Employee discount allowed us to get a nicer car at the same price. He tried up selling us several products for the vehicle and we DECLINED them all. We both hold car insurance policies that cover rentals, and our XXXX XXXX Credit cards and Travel Insurance also cover incidental & rentals so me and my partner declined. We ended up getting charged for a Damage Waiver enrollment ( {$43.00} ),  Roadside Assistance ( {$13.00} ) and several other fees and XXXX miles ( {$65.00} ). Some of these items were added after we left the enterprise without our knowledge. 

When we arrived back on the XXXX we noticed one of our passports were gone and also asked about some of the fee 's being corrected. We were told the manager would see to it when he was available and that they would " Take Care of us '' -- so we rented the same vehicle and extended our stay to get a new passport at the passport agency. 

on XX/XX/XXXX - XX/XX/2019 due to us noticing the passport and cash was gone we rented another vehicle and schedule an appointment with passport agency. Once we got back we noticed we were charged additional fees and a Car Class Change fee ( {$160.00} ) for the same vehicle we had! We also were charged a Time & Distance Fee ( {$65.00} ) for XXXX miles. There no way we could have driven that much because we picked it up at XXXX XXXX and spent the entire next day at the passport agency waiting in line on a first come first served basis. 

When I got back to XXXX, Minnesota I called the XXXX XXXX about 20 times then a local branch told me if they don't reply I should just dispute it because it seemed to be mishandled. 

I notified capital one of this and they reimbursed me the funds ... then several months later they charged my account take it negatively and began assessing me fees. I called to speak to the processor but I got a rep who told me management/processor would call me and that I couldn't speak to her manager. ( I have the recorded call ). I told her the FDIC Guarantees and protect my money and she told me if they allow my dispute the bank will lose money because XXXX presented a contact -- even after I told her they made changes to it after I had signed and I had specifically asked to not be enrolled in those programs. I never received a call from management or the processor. It has greatly impaired my ability to pay my car payment and pay my bills on time.
Consumer complaint received 2020-10-07
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. (NC)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX, Office of the President of Barclays provided a response on XX/XX/XXXX that my XXXX Business Card has been resolved, I have also received a verbal phone call from Mr. XXXX saying the " Review '' for XXXX card has been resolved. I have not attempted to use the card until today XX/XX/XXXX and it continued to decline. I called XXXX XXXX Customer service at XXXX at XXXX XXXX and spoke with a rep who then transferred me to another rep in " Business Review Department '' at XXXX but transferred me to that number and despite explaining my letter and them selectively approving my XXXX XXXX  Business Mastercard, they said, " Review team still has your XXXX Business Card under review. There is no time-frame when they will call you, expect a call from them. '' Despite explaining my other Barclays account ( XXXX ) was removed of the hold and able to use card, they said XXXX is still under review. XXXX XXXX responded in the previous attachment that " we were able to remove the security holds on both accounts. '' Clearly one of the accounts still has a security hold. I have faxed over my Social Security Card, California Driver 's License, and my XXXX Federal and State tax return to Barclays Review Team on XX/XX/XXXX at Date : XX/XX/XXXX XXXX XXXX   PDT Receiver Name : Barclays Review Team Receiver Fax # : XXXX Subject : Review Team Page Count : 74 ( including cover page ) There has not been 1 attempt of phone call from the Review Team at this time, I didn't expect a call as I did receive this official letter and a direct phone call from XXXX XXXX saying both my accounts hold are removed. I would like a follow-up and expedition as it has taken quite some time and it is HIGHLY inconvenient every time I call it will take over 45 minutes of my time deferred to another rep that holds no accountability and says conflicting reports. I have left a voicemail to Mr. XXXX XXXX ext XXXX on XX/XX/XXXX at XXXX and his office should be open until XXXX but nobody answered at this time. Mr. XXXX, may I request a resolve for this situation? I thought this was already cleared and I do appreciate your professionalism and follow-up calls but if you verbally and indicate on paper that both accounts are cleared, it should be cleared. I should not spend any more time on this yet I have already spent a total of 2.5 hours already! I ended work early to enjoy my extra 4 hours off but spent most of it on this matter! I am sorry for the frustration but I am so upset about this.  It's already been about 1 month since the XXXX XXXX XXXX has been opened and I am unable to use it despite sending in personal and quite dangerous security documents to you nearing 3 weeks. Please help I am tired of calling customer service reps that provide false reassurances and no follow-ups.e )
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (FL)

Hello, the information is incorrect. The procedure has been covered 100 % by the insurance company. 

Company CAPITAL ACCOUNTS LLC Account XXXX ( information from XXXX ) Amount {$81.00} Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX Phone Number : XXXX Website : http : //www.usecapital.com/
Consumer complaint received 2020-10-07
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XX/XX/2021 National Credit system - XXXX popped up on my stellar credit report with no warning. The credit bureaus have police reports and affidavit which indicates I have been a victim of ID theft. This above mentioned company was allowed to place this FRAUDULENT account on my credit report. This is not a company that i have ever given permission to access my information in any capacity. 

When I contacted said companies they were trying to collect information to alter said current records. I would not provide them with my current mailing address nor verify certain information. as any information obtained will be used for collections. They can not collect on something that is not mine. 

I have contacted the credit agencies however this company needs to remove said information expeditiously as possible from ALL CREDIT REPORTING PLATFORMS THAT THIS IS BEING REPORTED.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I paid off myloancare mortgage loan last month, during that time I was in forbearance. I was completely current on payments going into the forbearance and when the account closed, it was reported to the credit bureaus that I was 60 days late.
Consumer complaint received 2020-10-07
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 {$3800.00}, {$5700.00}, {$9100.00}, {$14000.00}, {$11000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}. 
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 onXX/XX/XXXX and the subsequent response received on XX/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. 

-- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2019-06-19
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have reach out to ARS Resolution/ XXXX XXXX  and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

I purchased kitchen pulls worth {$220.00} from XXXX XXXX via XXXX using my Discover card on XX/XX/2020. This vendor uses XXXX as a selling platform for her merchandise to US customers  through XXXX. This fact was unknown to me including her location which is mainland XXXX. When I asked to have the merchandise returned because they were the wrong size, she gave me instructions to mail it directly to an apartment in XXXX and not to indicate that it is a return because she does not want to be charged a tax or something. She also said she would refund it including my mailing cost of {$74.00}. When I finally mailed it to her, she changed her tune that she was only refunding the mailing cost to me ( note that the shipping was free of charge, so no cost identified at all ). I also filed a billing dispute with Discover to get the refund. After all the back and forth negotiations, Discover refuses to refund me despite showing them my USPS receipt, tracking number and the shipping declaration. Their reason -- I have to show proof of receipt by the vendor. Note that USPS informed me at the time of my mailing that USPS can not track the final destination inside XXXX because it is a XXXX country. The tracking can only show the port of entry in XXXX. I have tried to ask XXXX to intervene but the vendor tries to sidetrack the issue by first saying that the amount was deducted from her account, failing to mention that she received the credit after the temporary refund was rescinded because I could only show the mailing receipt and tracking form but not proof of receipt by the vendor. 
To date, XXXX could not get any clear response from the vendor whether she received it or not. 
Based on all my due diligence of returning the items, it is very unfair that the merchant gets to keep her merchandise because there is no power from the U.S. to force her to show proof that she did not receive the items, and I have spent over {$300.00} for the cost of the goods and return shipping for nothing.

I would like the US Department of Finance to help me get my refund  and the cost of mailing from the vendor or from XXXX because I have ended up being defrauded by a vendor in XXXX being sponsored by XXXX. I am attaching the receipt from the vendor, the USPS receipt,  the tracking form, the shipping declaration, and the back and forth emails between me, the vendor, and XXXX. 
I look forward to your kind help, support, and consideration. 
XXXX XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

I have a never used American Express Prepaid Rewards gift card number XXXX expiration date XX/XX/19 CVV code XXXX valued at {$20.00}. When I attempted to use it at XXXX XXXX it was declined. They were told the card had a XXXX balance. I called XXXX and entered the card information three times and each time I was told the card had a XXXX balance. The card agreement states the value of the card does not expire. The card does not expire until the end of XX/XX/2019. When I called and spoke to a person I was told the card had a XXXX balance but I have never used it and it has not been out of my sight since it was mailed to me. 

At this point I believe I am a victim of fraud. I received the gift card as a rebate for a sale made with XXXX XXXX XXXX which I can not use.