davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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 (NC)

on XX/XX/XXXX I purchased Rims through XXXX using my BOA card ending in XXXX amount was {$1300.00}. ( attachment # XXXX ) After not receiving for several weeks I made request to cancel purchase. on XX/XX/XXXX & XX/XX/XXXX my BOA credit card received duplicate credits of {$1300.00} ( attachment # XXXX ) I knew this was an error and XXXX refund would be deducted, or I would eventually need to return. XX/XX/XXXX XXXX made demand of {$1300.00} to correct negative XXXX balance. So I reimbursed XXXX through my bank XXXX. ( See attachment # XXXX ). At this time I believe everything is resolved. I received refund from Merchant and have paid back duplicate refund to XXXX. XX/XX/XXXX my BOA card is charged {$1300.00} as a manual adjustment. I receive letter from BOA stating since Merchant credit is duplicate of the one they provided they were removing their credit which put initial charge back on my account. ( See attachments # XXXX ). I have filed claims with XXXX and BOA to correct this. They both say the extra provisional credit I received was theirs. As a result XXXX will not Refund the {$1300.00} payment I sent them so I can reimburse BOA and BOA will not challenge XXXX for payment they say should have went to them. Now I have a charge for {$1300.00} on my account for goods never received. I also have attached receipt from XXXX XXXX where they refunded XXXX on XX/XX/XXXX for cancelled Purchase. ( see attachment # XXXX ). Attachment # XXXX is result of my XX/XX/XXXX dispute to BOA for adjustment made that put this cancelled transaction back on my account.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2023 there was 12 unauthorized transfers in to my account, 5 un authorized transfers out of my account. I called NFCU ( Navy Federal Credit Union ) once there was an alert sent to my phone XXXX XXXX XX/XX/2023 to notify me of the activity I called NFCU to notify them that I did not authorize or approve of the transactions done to my account, my accounts were hacked and I my account and debit card was accessed. There was a 9 day investigation, no credit issued, the funds were overdraft to my account after the 9th day.
Consumer complaint received 2023-10-23
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. (AL)

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.

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 inructions 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 2023-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

Wakefield collections agency in XXXX, TN sent three statements on XX/XX/XXXX regarding XXXX XXXX medical debt from XXXX stating that they have charged approximately XXXX dollars in interest on my medical bills and this is the first I have heard of interest being charged on medical debt. I did not sign any agreement at the emergency room to interest being charged on my medical bills and have not with the debt collector either.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

In XXXX XXXX I last used this Experian Account to access a copy of my credit report, and I was able to access my account to view the report. 

On XX/XX/XXXX I logged onto the same account from XXXX. This time, I was unable to access my account and I received an error message directing me to call Experian and so I did. I was never able to get ahold of anyone. This number XXXX is only an automated service and it only directed me back to the website and/ or hung up. The error message only provided the referenced phone number, hours of operation and a message of " We encountered an internal system error. Please note your order has been cancelled. '' I have tried to reset my password, make a new account, called the number referenced several times over weeks. I began researching and called their sales department with the intention of being transferred to a department that could help me. 

On XX/XX/XXXX, by calling the business sales department, I reached a live person who transferred me to " membership services '' to which this entire department could not help me. Membership services told me that there was nothing they could do. I asked them, what CAN you help me with? and the response was 'do n't ask my job ''. He said there was no one he could transfer me to. 

The only direction, I was told to " wait 72 hours '' for the error message to go away. And call back if I needed help. I told him, I have been trying for 2 weeks. He then said he could make an " escalation '' ticket. Although that was not going to transfer me to anyone. I then asked to be transferred to someone else in the department and I was placed on hold and the line was never picked up.
Consumer complaint received 2023-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (KY)

I am on active Military duty, and I canceled the card used in my gym membership since I wouldnt be home and now I am XXXX $ in debt to a gym membership I was not even home to use or have a card for.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to file a complaint against TransUnion for reporting unlawful information/accounts on my credit report. Despite my numerous attempts to rectify this situation, TransUnion has failed to follow federal law and continues to report inaccurate information on my credit report. 
I first became aware of this issue when I applied for a loan and was denied due to information on my credit report that did not belong to me. Upon closer inspection, I discovered that TransUnion had included accounts that were not mine and had been opened fraudulently. 
Since then, I have made repeated attempts to correct the information on my credit report. I have sent multiple letters to TransUnion, filed disputes online, and even called their customer service hotline. However, TransUnion has failed to take any action to remove the inaccurate information from my credit report. 
As a result of TransUnion 's failure to comply with federal law, I have suffered significant financial harm. I have been denied credit, had higher interest rates, and been unable to obtain the financial resources I need to support myself and my family. 
I believe that TransUnion must be held accountable for their actions and for the harm they have caused me. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all federal laws and regulations.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Starting in XXXX some fraudulent charges started appearing on the checking account that I share with my XXXX XXXX XXXX daughter ( which was not the first time this happened ). They were rejected by Bank of America but it was getting my daughter confused about the security of the account. Then, on XX/XX/XXXX, someone called using Bank of America 's XXXX number ( must have been a spoof number ) and said he was with Bank of America and that there was a lot of fraudulent transactions on the account, including XXXX transactions. He convinced my daughter to XXXX {$1000.00} in 2 separate transactions to " herself '' when it really was a scam and it was his phone number. Sh e lost a total of {$2000.00}. We called Bank of America the next morning, on XX/XX/XXXX, to report the XXXX scam. Bank of America temporarily credited her account on XX/XX/XXXX with {$2000.00}. They said that they would review the situation and make a final decision after 45 business days. After 45 business days I called Bank of America ( on Wednesday, XX/XX/2023 ) and asked them for a final determination, as a pending credit is useless if the bank is just going to take the money out at some point. They acknowledged that it was over 45 days but that they were having trouble getting the money back from XXXX, where the scammer must have had an account. I pointed out that, from online articles, it appears that they were reimbursing customers for this kind of impersonation scam and it shouldn't depend on what the other bank agrees to. The customer services agent said that she would have an analyst look at it and I should call back on Monday, XX/XX/XXXX. When I called back on Monday, XX/XX/XXXX, XXXX, a different customer service agent, acknowledged that the 45 day review period was over but it still hadn't been resolved yet. I told her it was completely unfair for the bank to hold this past their 45 day review period and how would it ever be resolved. She apologized but offered sort standard boiler plate responses. I am very disappointed in Bank of America 's lack of support and feel like they profit handsomely from XXXX but aren't willing to cover even the fraud cases they indicated they would cover.
Consumer complaint received 2018-05-13
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. (NV)

I have requested several times from Experian what methods they used to verify a collection account on my report from XXXX. I have also written to XXXX and they will, nor have they, sent me any supporting documentation that I requested to validate this debt.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-13
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: Fidelity National Information Services, Inc. (FNIS) (SC)

I discovered in XX/XX/2017 that I had two accounts incorrectly reporting on my Chexsystems report. I immediately contacted Chexsystems and was told that they needed verification of my social security number. I sent a copy of my social security card, yet received a letter that they needed something from the social security office ( other than my card ) showing my social security number. I was able to obtain the requested document from the XXXX, SC Social Security office and submitted the requested document. I had received a corrected report with no information reported, only to later find out that Chexsystems had added an account from XXXX XXXX XXXX with someone having my name, yet a different social security number, address, etc ... I subsequently received a new Chexsystems report showing this account and also an inquiry from a company called XXXX. In addition, Chexsystems sent me bank statements and copies of signed checks from this person 's account. 

I once again contacted Chexsystems and was told to contact XXXX XXXX XXXX and XXXX regarding these accounts. Neither XXXX XXXX XXXX  nor XXXX could discuss these with me due to the fact that these are not my accounts ( I provided my information which was not the information of these accounts on my Chexsystems report ). I was sent an Identity Theft affidavit, but this is not a case of ID theft. The information from XXXX XXXX XXXX and XXXX doesn't match mine. I am sure that these companies are reporting correct information, yet Chexsystems has mixed my file with someone else 's. 

After yet another call to Chexsystems, XXXX told me that I needed to obtain a police report for them to further look into this. I explained to her that these accounts are from a different ssn and address ( which I never have lived ) and asked her what would be the basis to file a police report ). I did in fact take this information to the police department and they said ( confirming exactly what I told XXXX with Chexsystems ) that this is not a case of Identity Theft, only an error with my Chexsystems file. 

I have made every attempt to resolve this in a professional manner, supplying the requested information, yet Chexsystems refuses to correct this issue ( which they have acknowledged ).
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I made a claim to Santander Bank and I explained to them that someone hacked into my bank account and they managed to steal {$540.00} from my bank account and transferred it to theirs. I told them that i never shared my login credentials to anyone and they asked me other questions but i cant remember what they asked but then i get the results in my mail and they basically said that my claim was denied due to inconsistencies
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

I am filing this complaint to DISCOVER BANK for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I am writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by XXXXXXXX XXXX. My reports show 120 days late, which is false. it was in Forbearance. 
Despite XXXX prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of XXXX XXXX. I have also filed with the bureaus and they all use the online auto info sent by XXXX instead of a human being reviewing. 

The negligence and incorrect reporting by XXXXXXXX XXXX have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by XXXX.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc. (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

Subject : Discrepancy in Credit Report Regarding CareCredit Billing I am writing to bring to your attention an ongoing issue regarding a charge on my credit report related to a CareCredit transaction. Despite the fact that this charge was covered by my insurance provider, it remains present on my credit report, which is causing me considerable concern and inconvenience. 

Efforts to address this matter have been made, including reaching out to the urgent care facility associated with the charge ( XXXX XXXX ). Upon contacting them, I was assured that the discrepancy would be promptly rectified. Subsequently, I received a call from the billing department of the urgent care facility, affirming that settling a {$35.00} co-payment would suffice to remove the erroneous {$1200.00} charge from my credit report. 

In good faith, I promptly settled the {$35.00} co-payment as instructed. However, to my dismay, the charge persists on my credit report despite the resolution supposedly being enacted. This persistence has left me perplexed and frustrated, as the reasons for its continuation remain unclear to me. 

I kindly request your immediate attention and assistance in resolving this matter comprehensively. It is imperative that the inaccurate charge be expeditiously removed from my credit report to ensure the integrity and accuracy of my financial records. 

Your prompt attention to this issue would be greatly appreciated. Please do not hesitate to contact me should you require any further information or clarification regarding this matter. 

Thank you for your understanding and cooperation in addressing this discrepancy.
Consumer complaint received 2023-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates (GA)

Hollis Cobb Associates is a debt collection company which has sent to notices about two assumed debts owed to XXXX XXXX XXXX XXXX. Hollis Cobb Associates have failed to sent me proper notice of verifications that's clear and conspicuous the debts are owed. I have attached a letter of concerns and a copy of letter Hollis Cobb Associates sent with the information the Company will need to follow up. 

XXXX XXXX
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello I am wanting to send in a formal complaint to you to see if it is something that you can help me out with. My complaint is against Bank of America. I am going to upload several documents for you review. It has been an ongoing since XXXX of this year and the bank is not giving me any help on this matter. You will see the large amount of money that is involved and I have had these funds traced back to fraudulent crypto currency wallets. The transactions you will see highlighted from several bank statements with my account information blacked out.
Consumer complaint received 2023-08-02
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: Solar Mosaic LLC (FL)

There is an account being reported on my credit report that I did not open. i have sent letters out to the company to show me proof of account ownership twice and have gotten no response. i have also disputed this item with the credit reporting agencies, they respond with a account is verified response. I have also requested method of verification information from the CRAs and i have gotten no response. 


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