davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit 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 (CA)

I placed original complaint against Bank of America with CFPB which the never provided any response other than email to contact the direct for more info. I attempted to contact several times leaving numerous voicemails with name and call back number to no avail. My initial file with you was closed and was asked to share what occurred. In my last call to CFPB I was provided with state CA Banking regulator division number which I have yet to call only due to my need to keep you informed on this case now closed. No resulting or attempt to give information for how was my Bank of America Credit Card having a total {$1500.00} credit limit allowed me to go over my limit on continued Basis not refusing charge above XXXX limit allowing charges of more than XXXX over limit. I am XXXX and was unaware the charges so high above limit thought card deny any charges exceed XXXX this resulted in their increasing interest above XXXX percent and reporting me over credit limit to credit bureaus. As a XXXX American and reason for use of card was for local hotel booking having lost my housing and in emergency need to find new housing affordable to only living if social security XXXX limited income. During this time I never failed to pay my bill monthly and paid on time regularly only to then not able to use card being finally decided to not allow me exceed limit more than what already had allowed when continued to let me overcharge unaware they should have not allowed charges above the XXXX XXXX makes it difficult to concentrate and feel having checking account with Bank of America monthly XXXX XXXX deposit they prey on people with XXXX and maybe I wont follow up. How many other people with XXXX are they targeting and why do this to those of us trying to live on such a limited fixed income Reported to credit bureaus over card limit black mark on me and raise interest so high only to ignore my calls when the sent letter request contact them direct hoped I being XXXX would not try to advocate for my being treated this way
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX TOOK A {$6000.00} BALANCE TRANSFER OF 0 % BALANCE TRANSFER FOR ON YEAR WITH 5 % CHARGE OF {$300.00}. 
XX/XX/year> SEND A WIRE TRANSFER TO CITI BANK FROM ANOTHER BANK FOR {$15000.00} TO PAY OF THE {$6000.00} plus {$300.00}. 
HENCE GOT OVERPAID BY {$8700.00}. FINDING THE OVERPAYMENT I SUBMITTED ON LINE TRANSFER BACK TO MY CHECKING ACCOUNT AND APPROVED ON LINE.GOT AN EMAIL ALSO TRANSFER WILL COMPLETE WITHIN 7 DAYS. 
AFTER 7 DAYS, I CALLED CITI BANK CARD SEVICE TO ENQUIRE. THE REPLY ON LINE REQUEST WAS NOT DONE DUE TO AN ERROR. THEY NEVER INFORMED ME .I TOLD THEM TO REFUND THE MONEY VIA WIRE BUT SAID NOT POSSIBLE, WILL SEND A CHECK BY MAIL ON XX/XX/XXXX. AS OF TODAY THEY HAVE NOT ISSUED THE CHECK XX/XX/year>. IN BETWEEN MADE MANY CALLS AND REPLIED ITS UNDER REVIEW AND WILL TAKE FEW WEEKS. THEY CHARGE THE CUSTOMERS 25 % INTEREST IF NOT PAID ON TIME. PLEASE HELP ME ON THIS. 
FROM THEIR STATEMENT ATTACHED Your account has a credit balance. We will send you a refund of any remaining balance of {$1.00} or more after the credit balance has been on your account for 3 billing statements. You may also request a refund by contacting our customer service address or phone number listed above. If your credit balance is the result of conditional credits applied in connection with a dispute, please wait until after the dispute investigation is complete before requesting any remaining credit balance be returned to you. 
2024 Citibank , N.A . 
Citi, Citi and XXXX XXXX and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. 
Important Information If you have questions about marketing communications, please visit www.citi.com/offersforyou or call the number on the bac
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my first request to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. Therecords I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to analleged fraud or extortion. 
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
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXXXXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>, XX/XX/scrub>XXXX XXXX XXXX XXXX, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-10-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently filed XXXX claims with Bank of America claims division. After passing policy for time length to investigate and respond, the bank denied my claims. I followed up with submitting documents to support my position that I was never present or had any knowledge nor approved such fraudulent transactions to occur on my account. The documents where supposedly reviewed and taking inconsideration, but once again denied. My documents I provided show that I was legally retained and in custody at the time of all such transactions, and being held in the California Department XXXX XXXX had no ability to have any communication with any one period. The bank stated because additional cards, XXXX additional to be exact, were mailed and activated using my credentials, therefore I approved or had knowledge of and was once again denied. There proof when asked that I had knowledge or received the cards, was XXXX pages document one explaining the claim denial ad second page with XXXX sentences stating what I just mentioned above. I submitted more than proficient about of proof supporting my claim and have more legal documents if needed, yet there proof to what information was obtained and used in the investigation was partially and insufficient. I feel that not proper methods of investigating and evidence or lack of was used to deny my claims and is an excuse to not refund my money which bank of America allowed to ve stollen and used. Please help reclaim my XXXX .us dollars.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc. (TX)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Request for XXXX XXXX Dear United Credit & Collection, I am writing to formally request validation of the debt referenced in your recent correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. Please provide me with the following information : 1. A copy of the assignment contract that verifies your legal right to collect this debt, please be sure my name and account number is written on this document.

2. The original creditor 's name and contact information.

3. The amount of the debt, including any interest or fees.

4. Any documentation that supports your claim. Additionally, I request that you cease and desist all collection activities until you provide the requested validation. This includes refraining from reporting this debt to any credit reporting agencies until you can verify the legitimacy of your claim.

5. Bill of sale with my name and account number listed on it.

Please send all requested information to my address listed above. Until I receive the requested validation, I ask that you cease all collection activities, as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I kept receiving overdraft fees They would take the money from my direct deposit or I end up being in the negative When I use to call they couldnt tell me where the fees exactly were coming from one day a lady told me something tried taking XXXX {$3.00} $ and I kept getting these XXXX $ return check fees one day I went to check on the account and they closed it after I had been a member for years I ddnt recieve a letter, a email a phone call nothing but they kept my savings account open Navy Federal Bank
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Your immediate attention to this matter is expected and appreciated.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (FL)

received on my credit from gla collection acc no. XXXX dont know or never received any services if they do have please supply a bill with my signature and id showing i received any services. THIS IS DEFAMATION WILL BE SEEKING LEGAL HELP TO RESOLVE THIS CASE.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is what l get back in response to the dispute. ' l looks up the credit file that was submitted. 
Not only did l request for all my personal information be only one name and one address. 
but to my knowledge l see they still have all names and addresses as part on my credit file. 
They havent even work on, the problem. 
so, l attached the finding to my complaint. 
l has pervious had requested that all incorrected names and addresses be removed. 
all my credit accounts have 1 name and correct address.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

XX/XX/year> received email saying I was approved for a credit card from Bank of America. I did not apply for this card. 
XXXX called to cancel the card. was told there were 4 total accounts/cards opened under my name. was told they canceled them all. They said {$0.00} was charged on all of them.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX, Capital One assessed {$18.00} in junk fees and alleged interest to my XXXX credit card even though it was completely paid off and had a zero balance. Last week, I called Capital One about same. A Capital One female employee reviewed my account. She said the {$18.00} charges were for cash advance fees and interest related to unauthorized transactions that Capital One removed after investigation. She promised the {$18.00} charge would be removed within a week. This phone call was recorded. Yesterday, I called Capital One again to ask why the {$18.00} fee has not been removed yet. A male Capital One employee reviewed the account again. He even consulted with a supervisor. Now, Capital One says the {$18.00} charge is for junk fees and interest for completely different, authorized transactions I made and paid off months ago. He conceded I fully paid off my account two billing cycles earlier. Apparently, it is Capital One 's policy and regular practice to wait to assess these junk fees to customer accounts for up to two 2 business cycles after the undetlying transactions are posted. I replied that last week, a different Capital One representative also reviewed my account and she contradicted this. I told him the prior representative confirmed the {$18.00} charges were erroneous and would be removed in one week. She even advised me to call back next week if the charges were not removed. I urged the representative to listen to last week 's recorded conversation to corroborate this but he refused. These months long after the fact {$18.00} alleged fees and interest are the type of " junk fees '' that XXXX XXXX promised credit card companies would not be allowed to do anymore.