davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an account with Bank of America. And in 2019 I had several charges on my account that totaled upwards of {$10000.00} that were not charges that I made. It was to what looks like a wood company. I had the same issue with all of my other credit cards including my other checking account with XXXX. Everyone did an investigation and refunded my money. Bank of America has neglected the fact that I made the fraudulent report in The beginning of XX/XX/2019. I called again in XXXX and again in XXXX. However when I called in XXXX I believe it was XX/XX/XXXX I was told that someone had called and asked if there had been a fraudulent claim and that I had said no. Further investigating this claim another representative found that while it stated that I had said there was no fraudulence, their head in fact been no record of anyone calling me. This means that they did not call me and they claim that I said something, that In fact I never did. I made another claim in 2019 XXXX. When I spoke to another representative again in XXXX I was told that because it was 60 days later after the transactions had already been completed that I would not be able to get a refund. This is not accurate information because I did in fact make the fraudulent claims well before 60 days were up. It is due to Bank of Americas negligence that 60 days past. Since then I have fax them several times that I did not make those charges which was their direction to do so. They still have yet to send me any piece of information, via email or mail. I have not received a single phone call about this issue. I finally spoke to another representative and I have had enough. I did not know that I could make a police report and I am going to. Again all of my other Credit card companies and XXXX where I had my checking account reimbursed me except for Bank of America who has not done an investigation. 

Furthermore I have learned that there are many people like myself that file claims of fraudulent with their accounts either being hacked, ATM cards being stolen, and many other situations were Bank of America will neglect claims, avoid investigations, and dismiss their own customers. I need help a year ago ...
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, i am here reporting a problem regardless between XXXX and Bank of America. On XX/XX/2020 i made a purchased through my debit card to XXXX for a laptop for {$970.00}. Fast forward to the day of delivery and it is not here so i contacted their customer service just to check maybe because of covid 19 maybe there is a delay to the package and whoever on the other side states that the package has been delivered. I told the customer service that i did not received any package and i check around my house and also my neighborhood just in case they keep the package away for safely but no one see it. The customer service proceed to check what option they have and they decide from their end to send a replacement prior to any claim and investigation to the claim of my package. I received the replacement package and after further research on the laptop after couple days i decided to went in store and return the laptop. On XX/XX/2020 i received my refund back on my debit card, but on XX/XX/2020 XXXX decided to charge me again for the same amount without any contact or email. I am trying to contact XXXX to explained them what is happening and ask why there is the same charge to my debit card. Everyday it will take between 40 minutes to 1 hour and 30 minutes just to reach someone. I was told that they indeed refund for the item that i returned in the store. I told them that i understand that i received a fund for the item that i returned but why i got another charge for the same amount. I tried to solve it with their customer service for at least 2 months but nothing seem to work and i contact Bank of America for help regardless the issue. BOA filed a claim dispute for the amount and yet as i provided a physical return receipt from the store and what happen with the charge. I filed the total of 3 dispute charge with BOA with all end result is under resolved which is not true. I was punished because XXXX customer service decided to not file a claim or investigation prior to ship out a replacement and XXXX tried to point finger that is my fault. The XXXX order number is : XXXX. The BOA claim number is : # XXXX. I bought the laptop to work from home and now my account went negative and nobody seem to understand what i am trying to explain what is happening with the issue. All those three times i filed claim with BOA i always provide the copy of my physical return receipt from the store. I believe the charge they charge again is under the first laptop that they sent and it went missing. I need help. Thanks you!
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX  breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion - I have sent over 4 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX  - I have sent over 4 dispute letters to XXXX  all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020- XX/XX/2020 Actions Taken By Me : Sent 4 dispute letters to both bureaus ( XXXX  and Transunion ) by Certified Mail Return Receipt to remove inaccurate accounts.
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did ) and have been going in a big circle with trying to get theses unauthorized inquiries off.
Consumer complaint received 2020-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (GA)

I am writing regarding a collection account placed on my credit history that was never brought to my attention. On XXXX, XXXX 2020 I noticed a new collection account had been placed on my credit history. this account was placed by bay area credit services. This collection account has never been brought to my attention. I never received a bill, statement, collection notice or otherwise. I am willing to pay this amount if proof can be sent to me regarding the legitimacy of this account. I again request that the collection agency remove this from my credit as this is the first i have heard of this account. there are two amounts placed on my credit report and neither one of them were ever brought to my attention prior to it being reported. It is my understanding that i legally have 30 days to respond to collections before they can be reported. the amounts places for collection are XXXX and XXXX.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.
Consumer complaint received 2017-03-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Mortgage gives you a grace period on your mortgage payments before the late fee is charged. However, if its not paid on the first they report it to all XXXX credit agencies as LATE, this is causing problems because I keep getting DENIED when I apply to refinance my current mortgage ... ... Can I bring legal actions??
Consumer complaint received 2020-11-20
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. (NC)

Experian is showing a 40 point difference in score on my credit report. As of todays date the scores are as follows : XXXX  XXXX ; XXXX  XXXX ; and Experian XXXX. I complained to Experian a couple of weeks ago and the issue has not been resolved. They claimed that the score is based on the XXXX XXXX scoring system. However, XXXX  and XXXX  use the same scoring system. This average 42 point reduction in score radically changes my average credit score and puts it in the XXXX range rather than the XXXX range. This 20 points makes a huge difference when companies are considering my credit worthiness. Ive never seen such a difference in my scores since tracking them for at least two decades. I just want them to adjust my score to the correct number. Thank you
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am filing another complaint on the following unauthorized and fraudulent accounts that 's listed on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, MN Child Support Enforcement and XXXX XXXX. The following credit inquiries are unauthorized and fraudulent as well : XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX , XXXX/XXXX/XXXX. I am a victim of identity theft.
Consumer complaint received 2021-01-19
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: DISCOVER BANK (TN)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am extremely frustrated that your company is not investigating this account properly. There is a late remark from XX/XX/XXXX that was accessed due to a balance from XXXX that I paid. This was filed in error and I have reported to the Consumer Financial Protection Bureau as this is wrong information reporting. 
I financed this car and sold it back in XXXX. I was told that I need to pay it in full before I sold the car, so I did. I attached my receipt and check from XXXX that shows I made the payment in XX/XX/XXXX. There was NO balance on this account after I made the payment this account. I was never informed by your company that this account was past due UNTIL XX/XX/XXXX, TWO YEARS LATER!!!!!!!!! I was never informed for two years that the payment did not go through. I called Chase and paid this account off and then leased another car with your company. Any type of fees that I had to pay were transferred over and I made sure I paid everything. I was even told I do not owe any additional funds on either cars so I am confused as to why this is reporting this way. I need all calls pulled back in XXXX as you will hear how I was told to pay this account in full. Also pull the calls from XXXX, as I was also told that all the fees were paid. 
Your company said I missed a payment that was due on XX/XX/XXXX from a fee that was due on XX/XX/XXXX. That makes absolutely no sense so this late remark from XX/XX/XXXX needs to be removed. I have also attached my proof of payment for the XX/XX/XXXX payment.
Consumer complaint received 2020-11-20
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. (VA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (VA)

THIS ACCOUNT WAS PAID THROUGH GARNISHMENT OVER A YEAR AGO AND XXXX GENERAL DISTRICT COURT WAS NEVER SENT A LETTER OF SATISFACTION! JEFFERSON CAPITAL SYSTEMS LLC COLLECTED ON BEHALF OF XXXX XXXX AND NEVER REMOVED IT OR SENT LETTER OF SATISFACTION AND HAS BEEN OVER A YEAR AND A HALF!
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three letters!!
Consumer complaint received 2020-11-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the XXXX  data breach and may have been in the hands of the wrong person.
Consumer complaint received 2020-11-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires. 
I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger. 
Can we possibly prove them wrong??
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (ID)

My past due payment was made by XX/XX/XXXX. My total balance due at the time was XXXX and it was due XX/XX/XXXX.That included XXXX past due and XXXX currently due. I paid XXXX on XX/XX/XXXX to cover my past due. I am not 30 days late on my credit report when I should not be. They are also charging me {$150.00} in late fees now?
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated XXXX XXXX XXXX and Common Wealth Financial System are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter
Consumer complaint received 2020-11-20
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. (GA)

I received a credit card offer from XXXX in the mail for my XXXX year old XXXX XXXX son. I have previously reached out to all three credit bureaus about his age and requested no report or frozen report be established for him.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

My hours at work have been cut drastically due to covid 19 and I used to make 80 hours a week and now am lucky to get 40. I have called the auto loan company the past two months to try to get an extension at the end of my loan or loan modification and they refuse they only offer me 7 day grace period or 2 weeks and pay two full payments with in a month. 
They refuse to put anything in writting in order to describe what they offered me.