davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I reported to Bank of America that XX/XX/XXXX  {$200.00} from XXXXXXXX XXXX XXXX XXXX XXXXXXXX MA is unrecognized, The bank of America said That I was at the location using the bank of America credit card to make the transaction in person, so They forced me to pay. 
I told Bank of America That I was out of America on XX/XX/XXXX, and arriving to XXXX on XX/XX/XXXX, I was not able to be in XXXX MA USA to do the transaction in person, Then Bank of america sent me a letter and asked me whether I have used another bank credit card to pay this {$20000.00}, they said If I am nor able to prove that I paid {$200.00} from another card, I must pay this fraud charge for bank of America. 
At the same time, I called Bank of America, asked the Bank to usps me all the materials that investigated, they said " Yes ''. but I never received anything besides the letter above. 
I also mailed my airline ticket the place that Bank of America address given and showed the bank transaction that I was in XXXX airport to layover to XXXX. 
But when I asked Bank of America, they never let me know about my material received or not, can they provide me opinion, The becaome unreachable!? 
Bank of america always froze my account, forced me to go to local branch to report.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (MD)

XXXX   is not reporting one year of payments on my Westlake Financial account. The Westlake account is reporting accurately with  XXXX  and  XXXX  so I find it hard to believe that Westlake is reporting it incorrectly to  XXXX . I 've requested for this concern to be corrected and  XXXX  played me as that they are reporting what is being reported to them.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX National Credit Adjusters LLCXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

I noticed there is a error on my credit report and its inaccurate. COMENITYCAPITALXXXX XXXX XXXX XXXXXXXX on my XXXX report, I have never been late on this account company is stating i was late in XX/XX/2023 there is no proof of this, I have never been late on any account on my credit report I have made every single payment ontime this is a mistake I am requesting for this late payment to be removed from my credit report and for the account to be update as current, there have been many attempts to clear this issue to no avail. I have a right to a accurate credit report per FCRA, 15 USC 1666b, 15 USC 1681b, 15 USC 6802, I am requesting for this late to be removed from my credit report please thank you for your time this account is up to date and paid on time in full.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC (IN)

On XX/XX/XXXX I contacted an online loan company called Speedycash. They called me on this number XXXX. They told me they was going to send me XXXX to make sure my account was active and then I send it back to them and then they will send me my loan. I thought they were sending me the XXXX, I sent it to XXXX  and they gave me the address to send it to bitcoin. I was a little leary and thought it was odd but did it. Then told me they couldn't send me my loan amount because of my credit score. I told them that made no sense. Come to find out the bank credited me the money because the loan company called my bank acted as me and disputed the transaction. Then the bank took away my credit. My account is now XXXX XXXX can't help me and now I'm going to have to make payments to the bank until the account is right.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report and found some inaccuracies. I have enclosed a copy of my ID as proof of my identity and mailing address, and credit report number. Please remove all other names and pervious addresses from my credit report. 
Please mail me a copy of the complete consumer file that you have on me after you act on this dispute. If verified, I request a description of the procedure used to determine the accuracy or completeness
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.       XXXX   and Experian have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both  XXXX  and Experian stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact  the Court o ffice and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both   XXXX   and Experian.     Please assist with removal of items. Thanks
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I see this account is still not remove. Please delete.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 an account without my written instructions. 

These accounts are identity theft. Please delete.
Consumer complaint received 2023-06-18
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: Resurgent Capital Services L.P. (AL)

XX/XX/2022 {$1800.00} the company is claiming i owe a hospital bill and i do not i told them i had a settlement with the attorney and they paid all the bill during a the insurance settlement so mits fraud and i told them to call the attorney office
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

on  XXXX   XXXX    XXXX   at    XXXX   XXXX    I was doing what i all ways do every  XXXX  of the month and that 's pay my bills but this time things did not go according to plan the first time i went to pay my rent the trans action would not go threw it kept saying to check with the card holder for more information so I called Direct Express to see what was going on with my card i was told by their customer service rep that a with drawl of {$300.00} and {$500.00} was made from my account on mat  XXXX    XXXX   at  XXXX    XXXX   from a   XXXX   XXXX   XXXX   florida using a du plicate card i was then told to file for a investigation two wa ys the first way was to write down the  XXXX   XXXX   and h and write a letter explaining what happened also put the case no on the letter and sign it so i did that the same day  XXXX  at my local post office i received a tracking number it got there on  XXXX  i was told by a level  XXXX  rep the second way was i could wai t 3 to 5 bus iness day for them to send me the info well on the fourth business day i decided to give them a call about the letter and i was told to wait until the fifth business which is the day that i decide to take further action on  XXXX  i was told when i asked about my handwritten letter that they had never received it and the he did'nt see any information on my hand written letter but on  XXXX  a level  XXXX  agent said that everything was good to go. another thing i experienced was long waiting up to 1 hour i just have to keep calling and calling. a level  XXXX  agent is hard to get on the phone and when i do the are very impatient and disrespectful this is a very untrustworthy bank
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hello, my name is XXXX XXXX and am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Bank of America regarding my experience with their Ultimate Cash Rewards credit card and the associated balance transfer process. I applied for the credit card in early XXXX, specifically attracted by the 0 % APR balance transfer offer that was being promoted at the time. 

Upon approval of my credit card application on the same day, I proceeded to initiate a balance transfer for multiple credit cards, with the transfer amount based on the balances at the time of my credit card approval. Unfortunately, during the entire submission process, I was not provided with any information regarding the timeline for the execution of the balance transfer. 

The significant issue arose when I discovered that the balance transfer would only take effect over XXXX weeks after the credit card approval. This became problematic as it resulted in a situation where credit card payments were due before the transfer occurred. Bank of America failed to communicate this critical detail during the application process, leaving consumers uninformed and vulnerable to financial repercussions. 

Bank of America 's website recommends continuing payments on existing credit card balances until the balance transfer is officially executed. Following this guidance, I diligently made payments on the specified credit cards, effectively clearing the monthly statement balances. However, over two weeks after approval and after I had already made substantial payments towards the intended transfer amount, Bank of America finally executed the balance transfer. 

This delayed execution not only caused a negative impact on my credit cards but also allowed Bank of America to impose balance transfer fees on the unnecessarily over-transferred amounts. Despite bringing this unfair situation to their attention, Bank of America remained unyielding and refused to refund the balance transfer fees for the excessive amounts or reverse the unnecessary over-transferred funds. 

I believe that Bank of America 's failure to disclose the timeframe for balance transfers, coupled with their recommendation to continue making payments on the affected credit cards, puts consumers like myself in an unfair and exploitative position. The delayed execution of the balance transfer, combined with the unnecessary over-transferred amounts, demonstrates a lack of transparency and fairness in their processes. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that consumers are protected from such practices in the future. Bank of America should be held accountable for its lack of transparency and the resulting financial burden imposed on unsuspecting customers. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (OH)

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. 
these accounts online
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

XX/XX/XXXX  - automatic  withdrawl was set up  with Navient to facilitate payment of mont hly payment.    XXXX    monthly payment of {$310.00} was taken out. The on  X/X/17  an additional {$9.00} was take n from the account   by Navient. This has not been the first time Navient has made unauthorized withdrawl from our account. This is why we cancelled prior automatic withdrawl agreement. This concern was brought to their attention when the new agreement was made. We were assured that this would not happen again.
If payment made manually and was late, my parents, who were co-signors would get up to 5-6 THREATENING calls/day. My parents have had to consult with lawyers due to nature AND FREQU  ENCY OF CALLS.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (NY)

I am a victim of ID theft. I noticed on my credit report on approx XX/XX/2023 that I had late payments to a XXXX  XXXX XXXX XXXX XXXX  that I never applied for. XXXX XXXX claims they began an investigation but then proceeded to sell it to a collection agency in XX/XX/2023, while failing to notify me, no mail, no email, no phone call. I followed up in XX/XX/2023 with them and am hearing for the first time that they disagree with my ID theft claim because the address and phone match my records. I ask them why wasnt I notified and they claim they did notify me, which is inaccurate. 

XXXX has violated my rights with their XXXX XXXX XXXX team which is handling my case. They do not understand consumer protection laws like the FDCPA and wrongfully came to the conclusion I was not a fraud victim. My phone number was spoofed via sim swapping and my SSN along with address and License has been for sale on the dark web and I have a documented history of being a fraud victim.
Consumer complaint received 2023-11-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

I am submitting a compliant against XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is owned and operated by XXXX XXXX XXXX XXXX Additionally, I am submitting a compliant against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for attempting to collect debt that I do not owe. 

I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and received and cashed the deposit check for {$310.00} on XX/XX/XXXX ( with damages already deducted from the initial {$500.00} deposit ). 

An email appearing to be from XXXX XXXX XXXX contacted me on XX/XX/XXXX attempting to collect {$130.00}. This was the first email I had received since the move-out nearly one year prior. However, XXXX XXXX State law stipulates the landlord has 30 days to contact the renter after the completion of a lease. XXXX XXXX XXXX is FAR past the statute of limitations to contact me. 

Moreover, the link to the payment site pointed to a non-XXXX  affiliated website XXXX XXXX XXXX XXXX XXXX XXXX, which indicated to me that the email was most likely fraudulent. 

I attempted to contact both XXXX and Columbia Debt Recovery via email on XX/XX/XXXX, but I have not received a reply. 

Additionally, my most recent credit reports from both XXXX XXXX XXXX show the collection account for money that I do not owe.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have attempted several times to have inaccurate information removed to no avail. Names on my report are still incorrect. Address are incorrect. Employers are incorrect. Debts have been paid or settled yet negative information is still reflecting on my report. This information needs to be removed immediately.
Consumer complaint received 2024-03-15
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. (VA)

Dear Experian, You guys need to actually abide by the Laws. My Credit Report is still very Inaccurate, how did Experian even Verify these accounts, nothing has changed. 
Under Section 15 USC 1681 I ( 7 ), Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a Consumer 's Dispute. 

There is no way Experian provided Maximum Accuracy to Verifiy these Accounts. 
Nothing has been Updated nor Changed, So Experian is just Basically Violating the Law by Verifing Accounts that you can cleary see are not 100 % Accurate across Credit Report. Give me the Full Desriptions on WHAT & HOW Experian Verified each Inaccurate Account listed below OR Remove them from Credit File Immediately because Experian isn't abiding by 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


XXXX : THIS ACCOUNT ISNT MINES, THEY STOLE MY INFORMATION. 
I NEVER DID BUSINESS WITH THEM NOR SIGNED A CONTRACT WITH THEM. THEY ARE VIOLATING MY RIGHTS & PRIVACY XXXX XXXX XXXX XXXX : THERE IS NO WAY EXPERIAN IS VERIFING THIS ACCOUNT AT MAXIMUM ACCURACY. THIS ACCOUNT HAS BEEN RE-AGED XXXX TIMES ON THE CLOSED DATE & WRONG DATE OPENED. 

XXXXXXXX XXXX : THERE IS NO WAY EXPERIAN IS VERIFING THIS ACCOUNT AT MAXIMUM ACCURACY. THIS ACCOUNT DATE OPENED IS INACCURATE. THIS COMPANY VIOLATED MY RIGHTS, INVADED PRIVACY, THEY & SOLD MY INFORMATION WITHOUT MY PERMISSION. 

XXXX : THE HISTORY ON THIS ACCOUNT IS VERY INACCURATE, HOW IS IT ( XXXX ) 60 DAYS LATE FOR XXXX & XXXXXXXX XXXX. THATS IMPOSSIBLE. HOW IS IT 120 DAYS IN A SPAN OF 2 MONTHS. VERY INACCURATE.