davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TX)

To whom it may concern : My XXXX and I moved to XXXXXXXX XXXX XXXX XXXX we took up part time residency here while we familiarized ourselves with this town and looked at places to live long term. 
While living at this residence, I found a XXXX XXXX  directly underneath our residence and both of us decided to join- with the understanding it would not be long term- same as our residency. I had been to a XXXX XXXX in California during my many years living there and was not happy with it, so I trained at other XXXX 

Fast forward, to late XXXX after I had several visits and she had been twice. We both requested terms as to the manner in which to cancel the membership ( s ) and we complied. Approximately four months later, I am reviewing a credit card statement on a XXXX XXXX XXXX I use very infrequently and noticed XXXX XXXX charges ( some charges were different that others- and no, it had nothing to do with the variance in the number of days in a month ) and then there's the simple fact that we cancelled ( independently of another ) and even though I am no longer a member, they are ( typically ) debiting my card at {$48.00} per month. 

I spoke to the manager of the specific gym in downtown XXXX XXXX XXXX XXXX, and explained the situation and he indicated there was " nothing he could do '' In the meantime I called XXXX XXXX and requested that XXXX  no longer can charge my card- and they agreed ... also wondering why " the charged amount varied ''? 

Within a few days I began to receive emails and phone calls from a collection agency by the name of Aldous and Associates demanding I pay them XXXX XXXX which I declined and re-affirmed that I cancelled in the proper manner as converted to me by an associate at the front desk. 

My credit is not flawless, but I have worked hard to pay all my obligations timely and am even making serious progress on mitigating my outstanding balances. The threat of a collection account appearing on my credit profile is very disturbing, especially when I cancelled as agreed, and then there is the ethical/moral aspect as to why would a fitness facility want to extract monies from a former customer who hasn't set foot in ANY of their facilities since XXXX XXXX XXXX??
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (TX)

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (DC)

I had an emergency last year and I left the country around XX/XX/year>. I missed XXXX  months of payments because my app didn't work back home in XXXX. 
Moving forward I came back to the States and found out that they closed the account and they charged me a lot of interest. I made all the payments on time and they keep charging me every month too much without using the card. I made my calculation and it's like {$4000.00} interest money I want to ask if it's possible to get my money back please because I worked very hard for it and I need it to pay for my school and help with my living expenses.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I had a check made out to the GA Revenue for a last payment for local state taxes. There was enough money in my account to make this payment and according to Bank of America 's check payments, it should have been paid as there was {$20.00} left in that account and I was expecting a deposit in one of my accounts for over {$6000.00} which I received the next day and I would transfer more money into that personal account.

There was a bank of america payment to a credit card I was paying additional funds on and nothing was due which was posted or listed after the check was presented. They chose to pay this payment ( their credit card ) over my check sent for taxes!. With this credit card I have {$14000.00} of credit line and {$2500.00} remaining and this was not due it was an additional {$100.00} payment.

Bank of America returned the State tax check and paid themselves ( which posted after ) I am sending a screenshot and want a letter to send to the State of Ga so I don't get fees there.

I send another payment to them and letter with screenshot to a manager at the State of Ga Dept of Revenue. The balance at that time was paid off.
Consumer complaint received 2023-12-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (VA)

In XXXX, XXXX, I spoke with XXXX XXXX XXXXXXXX XXXX and Level 1 Law about the debt consolidation program that they offered. It sounded great at the time and my 3 creditors would be paid off in 4 years. I have paid them {$630.00} for 13 months. A total of {$8200.00}. I began seeing all the bad reviews for Level 1 Law and they have been revoked from XXXX After further research, XXXX XXXX is not a member of the XXXX. I began to look at my account with Level 1 Law and no amount of money has been given to the 3 creditors since XX/XX/XXXX. I've made copies of the charges each month and what has been deducted is for fees. Earlier this month I had {$800.00} removed from my checking account besides the {$630.00} that has been taken. After further research, one of the creditors had never received the so-called POA letter from Level 1 Law. Then, I spoke with Level 1 Law, and the POA letters were to have been mailed back in XX/XX/XXXX. XX/XX/XXXX - I requested copies of the POA letters and was told they were not posted in my account. XX/XX/XXXX - I sent an email message to XXXX XXXX canceling my contract. The email return message from XXXX XXXX stated someone would contact me soon. I haven't heard a word. ( XXXX makes me wonder about offshore accounts ). So now, I've been scammed out of {$9000.00}. Disgusting and horrible business dealings. I'm adding the names and phone numbers for each one : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Level 1 Law  - XXXX, FL XXXX Any recommendations as how to move forward will be greatly appreciated! Thank you so much for letting me post this complaint! Respectfully!
Consumer complaint received 2023-10-27
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 (FL)

On XX/XX/2023, I received a wire in the amount of {$14000.00} in my Bank of America ( BOA ) business account from a transaction with a third party. About a week later I saw that my entire account was frozen without anyone from BOA informing me. So I called BOA and I was informed that the account was frozen because they have received a claim from XXXX XXXX that the {$14000.00} received was not from an authorized source. 

I was informed the investigation will take up to 90 business days and once the investigation is over, the funds will be unfroze or returned to XXXX XXXX. 

I didnt hear anything from BOA after 90 business days so I called them and they told me the investigation is not over. At this point, I realize this was a sham investigation with no concern for me as the customer. 

Finally, around XX/XX/XXXX I saw that the {$14000.00} was unfrozen in my business account so I contact the party that sent the wire. I received wire instructions and sent the funds out thinking the everything was over. 

Today, XX/XX/2023, I opened my personal account, different from my business account where the {$14000.00} was held, and saw a debit of {$14000.00} from my personal account. I contacted BOA again and asked why {$14000.00} was debited from my personal. To my surprise, BOA informed me that they have deducted the {$14000.00} in my personal account because of the wire transfer on XX/XX/2023 in my business account. I questioned why they unfroze the funds in the business account and they couldnt provide me with an answer. The wire fraud department person I spoke to keep telling me she doesnt have answers and that the back office people were the ones that deducted the money from my personal account. 

I am reaching out to your organization because of the unfair treatment of BOA to me as a client and also deducting {$14000.00} from my personal account after an investigation into wire was completed and funds unfrozen. 

Please I want BOA to unfreeze the {$14000.00} in my account and write an apology letter for this unfair treatment to resolve this issue amicably. 

Thanks
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

The company asked me for identity verification I provided it on two separate occasions and also made three separate phone calls and tried to talk with them very politely and ask them how did I get my checking account clear and verified my identity but yet I couldn't verify my identity for the card while my credit card that is but I definitely verified it for my bank account but yet they're both the exact same company and I used the checking account to pay on my credit card my complaint is why would they charge me interest on some small amount that's due which I will always pay my bills that's not an issue my issue is why do you want me to pay on a card that I can't use and also on top of it they made a couple of mistakes cuz I looked over my bill and I paid my balances all on time but yet now they're missing my credit up over some petty {$16.00} and the bad part about it is is I did pay my minimum balance every single month and have proof of it so they're wrong for that and I'm very upset I would just like some help with this please because somebody needs to let them know that this is not cool to do to people because when I'm at the store trying to use my card and it's embarrassing and also it's inconvenient and I'm pretty upset and hurt about this because I really trusted this company and I also have my banking account through them that I use daily I wish we could resolve this they won't even send me a new card they trying to act like I'm somebody else or something like that and that's not even possible because I've showed them proof of my social security card my identification of showed them everything possible I can think of to prove who I am it's not that hard for them to see and then they said that my card was undeliverable which I know isn't true because the other card that they sent me came with no problem
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

In early XX/XX/XXXX I submitted updated XXXX income verification to have my payment counts adjusted. I was trying to have it processed faster and uploaded the completed forms I downloaded from XXXX and they were also transmitted from student aid.gov to Mohela. 
Mohela has failed to process the forms correctly after XXXX different phone calls throughout XXXX. Each time they have continued making errors on my account and now there are even more steps I have to explain that need to be correct. 
My income from XX/XX/XXXX through XX/XX/XXXX has continuously showed my employment is not certified after they processed that document, they keep saying they will review but never correct it. Now they have updated my current employment to reflect that it is the same as my previous employment and I asked them to correct that and they will not. 
They do not call when they have questions about processing but insist I wait for them to send a new notice. 
I dont know how else to fix this and Mohela doesnt seem willing either.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got pre-approved for multiple credit cards by Capital One and I chose one amongst those to fill out an application. I got denied that very minute. This whole pre-approval technique is one big scam by credit companies. If pre-approval never guarantees approval why is it called Pre-approval? This is so manipulating and I don't see how this is legal in our country. They try to put a soft pillow under your head by saying if you fill out this application you will get a hard inquiry because you getting pre-approved when they are not intertwined and only a mere reflection. I got a hard inquiry on my credit report when I was given multiple cards to choose from as I was so-called " pre-approved '' How is this legal? Someone, please explain to me how it's legal to trick customers into filling out a credit application knowing the pre-approval process doesn't guarantee anything. This is so wrong. The name itself is already misleading. I want my negative credit remark to be removed from my history. I would have never applied if I knew pre-approval doesn't guarantee anything. Why is this program even in the process? Makes no sense. Can someone stand up for us? Stop this scam
Consumer complaint received 2024-01-23
Product: Credit 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: CITIBANK, N.A. (FL)

My Best Buy Visa credit card issued by CITI Bank North America was used by person ( s ) unknown to me to make unauthorized purchases totaling over {$4600.00} between the period XX/XX/XXXXXXXX  and XX/XX/XXXX. I disputed the fraudulent charges. However, Best Buy Credit Services is holding me responsible for a {$800.00} and {$1300.00} charge to an entity called XXXXXXXX XXXX that I did not make or authorize. During the same period that the fraudulent charges were made the thieves stole my identity contacted Best Buy and changed my home address and the billing statement language from English to XXXX. Copies of my billing statement for that period clearly shows the fraudulent address in XXXX XXXX, FL instead of my correct address in XXXX, FL. Currently the {$2100.00} charges I am being held responsible for have increased to {$2700.00} and is reported as delinquent with the three major credit reporting agencies ( XXXX. XXXX, XXXX XXXX ). Even though I did not lose my Best Buy Visa credit card, nor was it stolen, this is the second time the credit card was compromised. In XXXX someone made unauthorized charges to the credit card in the same manner the fraudulent charges were made in XXXXXXXX I am being billed for charges I did not make and because I refuse to pay thiI want to be reso is affecting my credit rating.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

The obvious infractions are as follows : 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 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 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

I received a letter from TRS on behalf of Tele-Check Services on XX/XX/year>. TRS Is attempting to Collect a fraudulent debt which I HAVE listed on my Identity Theft Affidavit which is attached. This is accurately listed and is clear on the identity theft affidavit statement of the crime. My check book was stolen from XXXX and XXXX. In the check books checks were written to a XXXX and a XXXX XXXX. These Checks were reported as Unauthorized ACH. The reason for the unauthorized ACH was because these checks were forged and stolen. Which I reported to Both Banks. TRS Is trying to collect on these items stating that they have XXXX Receipts. I viewed the receipts they attached those aren't my signatures. I did not authorize any transactions with a XXXX XXXX, Nor with a XXXX. I am sorry that TRS has to attempt to recovery Debt that was incured by Fraudulent matters. These checks were not placed as stop Payment. I Reported these transactions as UNAUTHORIZED ACH 's to the Banks I listed above. I did not submit a stop payment request. I notified them that the Checks were forged and stolen, which proceedingly had me submit an ACH Unauthorized form writing these items in that were charged to my account from the stolen checks that were forged without my consent. Again I do not owe these debts and I do not take responsibility. These are not my signatures. These checks were converted into XXXX 's and they were forged. TRS should not attempt to collect a debt that was fraudulently obtained. When a check is forged It is not my fault, and Again I reported these checks as STOLEN. FRAUD. Not Stop Pay. The ACH TransactionsXXXX 's were accurately reported as unauthorized, However XXXX and XXXX XXXXt sent these to Tele-Check to pay them when they knowingly knew they were fraudulent transactions. That way they could have Tele-Check warranty the items. I did not authorize these transactions and again, This is Identity Theft, The checks were stolen they were converted to XXXX/ACH and they were reported as UNAUTHORIZED EFT/ACH Transactions. Signatures were forged on the stolen checks. I will not be paying for something I did not write that was stolen. I did not receive any benefits from these trans actions. Please correct your reporting.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am so confused because how did I go from having credit scores that have given me opportunities and opened doors for so many applications for me but now I can no longer do that because I am hindered by the fact that inaccurate information has been reported in my credit report without the company verifying if everything is checked with 100 % accuracy. This is so disappointing!