davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX : {$5500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  Balance {$640.00} XXXX  XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00}.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

Please see the attached screen shots of a financial institution that was added to my account without my knowledge or authority. XXXX XXXX XXXX does not belong to me or to anyone that I know. As you can see in the screen shot and on my account, XXXX  is unverified. XXXX XXXX XXXX is my account attached to my debit card which is my only and default account. My account was compromised and another financial institution was added to my account as the default. Please see below the transactions totaling {$380.00} that were transferred to XXXX XXXX XXXX  all in the month of XXXX. As you can see before XXXX, my transfers went to the appropriate default financial institution which is XXXX XXXX XXXX. 

I have not removed the XXXX XXXX XXXX until after Venmo further investigates the unauthorized access to my account and my money is recovered. 

Venmo customer service continues to send me responses stating that there was no unauthorized transactions and went on to state that I added the 2nd bank account and transferred the money to it. In so many words accusing me of fraud. I requested a supervisors and a call back with no response. 

Thanks, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX at approximately XXXX, my direct deposit attempted to be deposited into my Checking account with Bank of America . My account information was missing the XXXX XXXX XXXX, therefore the deposit wasn't deposited into my account. As soon as this mistake was realized, I contacted Bank of American where I have been a customer for XXXX years. Bank of America did inform me that the deposited would be rejected and sent bank to my employer. Thursday, the rejected deposit was not returned, Friday the rejected deposit was not returned, Monday the rejected deposit was not returned, the rejected deposit was FINALLY returned today XX/XX/XXXX. My employer, XXXX XXXX issued me a paper check since I was waited to long to be paid. I then took the paper check to Bank of America and presented the check for deposit. I specifically ask the teller if there would be any type of hold on the funds and I was told NO ma'am. I then receive an email from BoA telling me my funds will be help until XX/XX/XXXX I reached out to the bank, finally got to the Check Hold Release and explained the situation, after being on hold for XXXX minutes, and then told that they will in fact hold ALL of my funds until XX/XX/XXXX There is no reason for this. it is a payroll check from XXXX XXXX, a large healthcare facility It's the same payroll account that direct deposits are sent from. I am asking for help. I am a single mom and work very hard for my money. My bank account of BoA has NEVER been overdrawn, I don't even have OD protection for the exact reason I don't want to overdraft. I don't know what to do at this point. Bank of America has no reason to hold a payroll check on a major company. Please help
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXXXXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

I opened up my first credit card this year with XXXX  XXXX XXXX then I downloaded XXXX XXXX to make an account to make an account using my social security card and it said it was already being used. I tried many ways to get access the account and I logged in and saw a collection from 2020 that I did not do
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I recently pulled a copy of my credit report from Experian and noticed the following information are in error : Credit Inquiries : The FRCA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX, XXXX/XXXX/XXXX XXXX Credit /OFF Lease, 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/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/XXXX/XXXX XXXX XXXX XXXX , XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX . XXXX/XXXX/XXXX I did not authorize these inquiries. I have called Experian multiple times getting very rude people that constantly hang up on you and tell you that you did ask for the credit inquiry when I never authorize nor asked for credit with these companies
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IA)

I have XXXX XXXX XXXX XXXX union charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. Experian and XXXX refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX van and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the van or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the van and never took that money and put it towards what I owe. they got the van and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (WI)

I bank with XXXX Bank, XXXX. They started giving you a totally free XXXX score 'from Experian '. In the past 4 years alone, I 've never had a XXXX score below XXXX to the best of my knowledge. I had a great XXXX just in XXXX of last year. Now for the past two months, my score is taking nosedives. I went to Experian, completed their form to get my credit report. There is nothing on that report that would indicate a reason for the score to drop so radically. So I contacted XXXX. They referred me to Experian telling me the score comes directly from them. A 20 minute conversation with Experian led me nowhere. The representative said I need to pay them to get my credit SCORE, THEN perhaps she MIGHT be able to assist me further. I asked how it is that XXXX gets that score every single month, but they do n't seem to have a record of that score at the very company giving it to XXXX. she then said XXXX must be using some other method to calculate the score. I called XXXX and inquired about that ; they told me the score comes directly from Experian. so no the XXXX companies are pointing fingers at each other while my credit score keeps going down. There has been NO changes to my financial situation except that I earn a little more and I owe a little less. No late payments, no revolving credit debt, just an auto loan that I pay promptly every single month without fail. Again ... nothing changed in the past the past several months, yet just in the past two months, I had a score of XXXX in XXXX and now its down to XXXX with NO REASON GIVEN despite my best efforts to resolve the situation. I find it deplorable that this company can just make these changes to my credit-worthiness without having to answer why. I am in excellent financial health and am extremely responsible with credit. There is no reason my score should be dropping if my situation is not changing, and there is NO reason on this Earth why they should not have to account for themselves to the people they are damaging with these practices!
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Oxford Law, LLC (DC)

Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (SC)

Regarding account number XXXX My identity was stolen and was acquired, and or purchased by CASTLE CREDIT CO HOLDINGS LLC D/B/A CASTLE CREDIT. 
who is now sending me dunning letters and posing as a creditor demanding payment on an alleged debt.
Consumer complaint received 2016-02-04
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (NC)

Netspend has caused me several issues. First I filed a transaction dispute. I informed them I had the card in my possession, and they failed to inform me that the card was being locked ( and also did not do anything to assist in the provision of a new card ). After the card not working on a purchase the same evening I called them the next day. After reviewing my account, and myself telling them about the dispute, they told me to use the old card at an ATM. Only after that failed as well did they tell me that the card had been disabled. They were only willing to waive a XXXX fee to send a card in 7-10 business days even though they mislead me, and failed to offer a new card ( I asked that it be expedited ; 3-5 business days ; with any fees waived. They refused, and said to get it expedited I had to pay XXXX ). 
After receiving the new card everything was fine until the date of this complaint. I was enrolled in their XXXX to keep from having fees every time I used the card. I found XXXX total fees, and that the plan was no longer set on my account. I called to have the reset the plan, and told them that I needed those fees reversed due to the fact that I never cancelled the plan. They returned XXXX of the fees. After calling them again they refused to return any further fees quoting that the plan " had expired ''. There was no indicator anywhere of any expiration. 
Anytime I have asked for a supervisor they would attempt to refuse me. I have to literally yell at them to stop talking and get a supervisor at which point I am put on hold for an average of 15-20 minutes. Any supervisor I have spoken to has refused any request I made quoting " we do n't have access in the system to do that ''. Once I asked for someone above the Customer Service Supervisor. I was flat out denied access to anyone further.
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law.

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at [ Your Email Address ]. Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was given incorrect information about payment allocation by several representatives. I have a credit card with Bank of America I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information.
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had slightly more than {$1700.00} in my Bank of America account. 

I transferred {$1700.00} out of that account. 

After I put in the transfer, BofA withdrew an ADDITIONAL {$850.00} from my account ... and charged me overdraft fees! 

They said it was because a P2P deposit from my tenant ( on XXXX XXXX had " failed ''. But that " failed '' deposit had already cleared 3 weeks earlier! 

QUESTION FOR BANK REGULATORS : Can a bank or XXXX take money out of my account any time they want, even weeks after a transaction has cleared? If any transaction can be suddenly reversed *without warning*, how can consumers know for sure how much money they actually have?
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Letter to Capital One XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Account Number [ XXXX ] Request for Pay-for-Delete & XXXX XXXX under FCRA To Whom It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a XXXX  adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully. 

In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a XXXX  adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan.

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of XXXX. This is particularly relevant in cases where the customer is working in good faith to resolve the balance. 

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( XXXX, XXXX, and XXXX ). This would not only help improve my credit standing but also demonstrate Capital Ones or XXXX  dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Consumer complaint received 2016-08-04
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

I filed a Chapter XXXX in XXXX XXXX. The bankruptcy attorney told me that before my petition could be filed, I had to surrender collateral. I owned a property in another state. I surrendered the property and my petition was filed and confirmed. During the course of the bankruptcy period, XXXX XXXX XXXX sold my loan to Selene Finance in XXXX. I thought since I surrendered the collateral that released me from all rights, title and interest in the property in XXXX, which meant that I should have been removed from the title and deed of the property. That was not the case and now Selene is foreclosing on the property. They have promised that the foreclosure would not appear on my credit and that my name would be removed from the title and deed. This process should have taken place in XXXX and not now. I am requesting that they stop the foreclosure and do a quit claim deed or deed in lieu of foreclosure. If not that, how much would it be for a possible settlement to get a release?
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I used Merrill Lynch travel services to book my XXXX trip using my credit card and did not note any penalties for changes on their website or tickets. In addition, my eticket receipt did not arrive with any change fee disclosures. I needed to change my return location from XXXX, XXXX to XXXX, XXXX, which is also the city that I should be flying in to, but when I called the travel center they informed me of all these change fees that included a {$270.00} airline per ticket fee and their service fee of {$30.00} per ticket. Even though the total price is now lower than what I originally paid for ( {$810.00} compared to {$1000.00} ) they will not refund me the difference or apply the credit to the airline penalty fee. They blamed the airline for these fees and for not refunding me the difference, so I called XXXX and they told me that they were not able to help me because I did not purchase the tickets with them. I asked about the price difference and they said that the ML should take care of that for me. I called them back and they said no and that they could only waive their {$30.00} change fee. I was not appropriately disclosed of these terms and would like to see a change without any penalties or a full refund. It appears that ML is engaged in the travel business without clearly disclosing the fees to its customers.