davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX around XXXX XXXX, I received a call from a woman who represented herself as a Bank of America representative. She informed me that my business checking account showed unusual activity. She continued and said that my account showed that someone was trying to make a purchase at a XXXX in XXXX, Texas. This was odd since I am based in California. She wanted to know if that individual was me. I informed her that it was not me, and I did not authorize this transaction. The representative told me that she was required to send me a code, through text, to verify that I was the account owner. When I received the code, it came in the text stream with my previous Bank of America confirmed codes. Due to this, I believed that this was a legitimate Bank of America call. Then the representative asked me to read the code to verify my identity. Then she asked me to login to my mobile app, which I did. While I viewed my account information, I noticed that there were multiple wire transfer pending, and I told the representative that these transfers were not made by me. I also told the representative that I have never made a wire transfer in the XXXX years that I have had this account. She asked me to identify all of the transactions that were showing on my account, which I did. The total amount pending added up to approximately {$36000.00}. She told me that she would put a stop payment on all of those transactions. The next day, I checked my account and noticed that {$8000.00} was transferred from my account to XXXXXXXX XXXX in the name of XXXX XXXX. I immediately contacted the Bank of America Customer Service phone number. The representative said that with any unusual activity ( scam or fraud ) a claim must be filed. She provided a phone number, which I called immediately. I was told that Bank of America would investigate and that my account would be frozen. I continued to call the bank weekly to followup. I was continually told that an investigation was proceeding and that it could take up to XXXX months for a resolution. At the beginning of XX/XX/XXXX, I received a letter from Bank of America informing me that my case was denied and the letter did not supply a reason. I trusted Bank of America to keep my account safe and protect me from a fraud or scam situation. Especially since they are a member of FDIC. This was a sophisticated attack. I assumed that Bank of America would have a robust cyber department that would protect their customers from such activities.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CO)

This is the 2nd complaint that I am having to issue through The Consumer Financial Bureau. 

Comenity Bank issued me a rewards points refund check # XXXX on XX/XX/2023 in the amount of {$110.00}. I deposited the check into my bank and the check did not clear their bank. I also have a {$640.00} credit on my account from an overpayment with them that I would like returned as well.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of a scam. This fraudulent company XXXX, has under false pretenses persuaded me to invest XXXX USD on XX/XX/XXXX. It was done in two transaction from my Bank of America account. I have all the information about the scam and the receipt of the transferred funds. I had attached a dispute letter and multiple attempts to reach and fix this issue with BOA.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (NY)

Please investigate thoroughly the accounts that I disputed. I dispute XXXX XXXX, number XXXX. This account was closed on XX/XX/2022 however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/2022 and this has been highly damaging to me. I want this account deleted.
Consumer complaint received 2024-03-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Nationwide Capital Services, LLC (GA)

XX/XX/year> I had an account with XXXX XXXXXXXX XXXX and they transferred the debt to this collection company National Capital Services/ Structured Settlement for {$2000.00}. I received a text message " Your past due account has been red flagged to be reviewed by our legal network. To resolve voluntarily on your own behalf and avoid further action of possible fraudulent activity call us at XXXX Send STOP to opt. '' XXXX. I spoke with original collector and he attempted to workout an arrangement for the balance of XXXX but he said his manager has better options. 
2. I spoke with the manager and offer {$1200.00} for 3 months and the manager counteroffered for {$1500.00}, Which I did accept. 
XXXX. I was transferred to XXXX the payment processing rep and she informed me that she will have to charge me XXXX for each payment by phone. When I asked why? She became defensive and started yelling at me as a customer .My concern is this matter could have been resolved if she was XXXX wiling to waive the processing him. Then she told me that she doesn't accept check payments because of the return fees to her company. Which that has nothing to to with me. I would like to send an CEASE and DESIST notification to this company. Also, I want a settlement amount of XXXX based on this poor customer service experience and feeling like I'm a criminal. I also informed them to Cease and Desist any communication over the phone.
Consumer complaint received 2024-06-27
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. (NE)

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, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nationwide Capital Services, LLC (OH)

In XXXX of XXXX is when I initiated communication with the original debtor XXXX XXXX as I applied for several online and didnt recollect authorizing. They transferred it quickly to Structured Settlements where it became nasty and unprofessional. They wanted to charge me {$3000.00} to pay off {$500.00} when I tried to get information from XXXX to pay the {$500.00} back right away. I felt they did this intentionally to get more money out of me. They shouted at me, was verbally abusive and hung up on me. So I never reached out again. Then on XX/XX/XXXX I received a threatening text from them. So I called the number and they threatened to show up at my house and employer. I called several different numbers and attached all documents below. They have given me outrageous XXXX. I have also attached documentation and was in touch with XXXX XXXX. They suggested I contact you.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

On XX/XX/XXXX, a payment of {$10000.00} was initiated to Edfinancial from my bank account. Although the deduction was made two days later, only {$8400.00} was credited to my account. However, as of now, more than three months later, the remaining balance has yet to be applied. Furthermore, a separate payment of {$2300.00} was made on XX/XX/XXXX, but it has not been credited to my account either.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX  docket # XXXX this public record was remove from XXXX and XXXX dued to false information. Trans Union has been unjustly degraded a error which has impacted my credit report. Trans Union has also falsified information protaining to verification of debt. This agency has been contacted numerous times to remove this public record due to falsifying debt verification. I received a letter from the Bankruptcy stating the credit Bureau Transunion did not verify debt nor do the do verification with the credit bureaus. I'M requesting this public record be deleted immediately from my credit report. This is a unjusted improper behavior under the FCRA reporting.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX  XXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX  XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The first complaint I have with Capitalone is On XX/XX/XXXX I made a payment of {$50.00}. My due date is every 1st of the month. When I check two days later I noticed they returned my payment on XX/XX/XXXX and charged me with a late fee of {$35.00} that same day. I called customer service and their reply was that I should have been paying more attention to my bank account to see if the money was taken out. I did not pay that month because I have been having a financial hardship due to a medical reason and was not able to make the monthly payment and the late fee at that moment. Later that month on XX/XX/XXXX, I received a call from a Capital One representative and I explained my financial hardship and she came up with a deal so that I only pay {$46.00} a month for three months to get my account in good standing. Also instead of paying on the first of the month I would be paying on the tenth of the month. I asked her very specifically and I asked her more than once if I had to pay my upcoming bill on XX/XX/XXXX and she answered no. When I go to make my first {$46.00} payment on XX/XX/XXXX I see I have a late fee of {$40.00} for not making a payment on XX/XX/XXXX. So I called customer service and they tell me there is nothing they can do and that the late fee was already in process when I made the deal. I still mad an online payment of {$47.00} on XX/XX/XXXX because of the fear that I would get another late fee for not paying before XX/XX/XXXX. But the deal didn't seem to happen because my due date is still on the first of the month and it keeps going up and up. The amount due is now is {$140.00} and it is not something I can pay with all the late fees. I requested a credit card agreement to see what agreement we have and I never received it. I have been having problems with them for a while now but this is the worst it's gotten. There is always an excuse for everything instead of solving the problem. For example, no one even checked on the {$46.00} agreement I made with the customer service rep I made that day. The late fees and missed payments are affecting my credit score with XXXX.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Attempted to dispute with credit bureaus Attempted to contact XXXX  XXXX  XXXX  for months and they just hang up on me Attempting to report here to have it removed off credit as it was reported only to damage my credit as no way was provided to pay the account they are continuing to mail an old address even though ive reported a new address fir a year
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2023, capital one 360 restricted and after closed my account for unusual activity, I tried to explain what happened but didn't listed or took my testimony as true, a " friend '' which name is XXXX XXXX ask me to receive money from a lady I didn't know and after send it to him which I did, apparently that was fraud because she reported my bank account and capital one actually took my own money and gave it back to her, I didn't report this before because my friend told me he was going to pay me that money back, but ever since that happened haven't done so I have proofs of what I'm saying I'll attach those
Consumer complaint received 2023-04-27
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. (LA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account Number : XXXX this is violation of my rights. please delete from my credit report 2. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not accurate across all credit bureau date last reported is inconsistent XXXX XXXX Account Number : XXXX this Is violation of my rights. please delete from my credit report 3. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not matching across all credit bureau XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv 06 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that the credit bureau will recheck these items with the creditor who has posted them.
Consumer complaint received 2023-05-10
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. (TX)

On XX/XX/2023, I disputed the accounts attached and uploaded with XXXX. However, they failed to investigate and initiated an auto stall tactic letter out to me on XXXX which is not acceptable.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriCollect (FL)

I am unaware of this debt. I did not receive proper notification. If in fact that you believe that I receive proper notification, please provide the Certified Mail with the receipt with my signature on there stating that I received it. 
I also have a grave concern and to assert my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that AMERICOLLECT has reported this debt related to medical services on my credit report, which I believe constitutes a violation of my privacy rights as protected under HIPAA, as well as a potential infringement of the FDCPA.HIPAA mandates the protection of individuals ' medical information and restricts the disclosure of personal health information without explicit consent from the individual. By placing information about this medical debt on my credit report without my direct permission, you have not only infringed upon my rights to medical privacy but potentially exposed sensitive health information to entities that have no lawful basis to receive it.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Savings 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: Credit Karma (GA)

On XX/XX/29 I made a deposit in the form of a transfer from my XXXX XXXX XXXXXXXX account to a credit karma XXXX account. They debited XXXX instead of XXXX. I requested my bank cancel or return XXXX as I did not authorize XXXX Credit karma has now locked all my accounts. I have already submitted copies of my id front and back, my bank statements, SS number and then they requested me hold my id under my face and send that photos also. All of which I did and they still have not returned my XXXX that is in my XXXX account. They refuse to unlock my account. I want my money back. This is the second online XXXX savings account that has locked money up and keeps it XXXX. THAT IS THEFT!
Consumer complaint received 2023-12-16
Product: Credit reporting 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. (CA)

There are unauthorized inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
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. (SC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, EXPERIAN, AND XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I got a email from Bank of America credit someone was trying to purchase for XXXX dollars XXXX transfer XXXX XXXXXXXX I reply NO Got a phone call back. here are some phone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I talk to a guy He ask me for more informatiom I just wanted to resolve it. I ended gave my XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

At XXXX XXXX I attempted to make a cash deposit at an ATM drive through at my Bank of America , ATM XXXX, for the amount of {$2800.00}. T

he machine pushed back out one {$50.00} bill and stated would you like to continue the deposit of {$2400.00}. I said no because it was obviously {$350.00} short. I then pressed return cash. It gave back {$2300.00} ( had already pushed back that {$50.00} originally ) equaling {$2400.00} total. The machine did not give back {$400.00} out of the {$2800.00} I put in. It is Sunday so no one to speak to on phone or online.
Consumer complaint received 2023-12-16
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.