davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint # XXXX was made in XXXX XXXXXXXX almost an entire month ago. Im starting a new complaint regarding the lack of professionalism, courtesy, and consideration displayed by Bank of America prepaid card services department. I have a claim totaling a little over XXXX which was made back in XXXX. I have been waiting on. Decision with this claim for over two years! Not receiving decision has cost me an eviction from my home, because I essentially lost {$9000.00} and couldnt pay my rent. Regardless, I have submitted an extremely in depth, detailed, paperwork and documents supporting my claim- and still Bank of America fails to give me any resolution. I even provided them with a letter from my physician stating the dates when the fraudulent transactions occurred occurred during a period of time I was committed to strict bed rest and XXXX due to my medical diagnosis at the time. 
Bank of America says the same thing over and over again. Just like they stated in my last report they are looking over the. Plain, and will report any decision made immediately to me. Its all lies- whenever I call they say the department handling my case is a separate claims department- and this specialized department does not accept incoming calls- meaning I can NEVER speak to them. I can NEVER speak to anyone who can offer me some insight into whats going on with my claim, and why I still am waiting on a resolution over two years later! In addition, this mysterious phantom claims department has no time restrains on how long they can keep a claim without making a decision. So, basically this mysterious department, who I can never speak with or leave a message for, can also take as long as they want making a decision on my claim! And they have been taking as long as they want- taking their sweet time- considering this claim was borne in 2021! 
How convenient for Bank of America- they never have to rectify this pricey situation. They simply can just tell me, my claim is under review, being investigated, and I will hear back from them when they are done- they can take any amount of time necessary, are unable to give me a rough time frame, and will not be able to. All me and answer one of my numerous questions. So, Bank of America can essentially continue to tell me the claim is currently being investigated, and I have to just accept that forever- because it doesnt look like any trail of a solution exists in the near future for this claim! This is absolutely unacceptable!
Consumer complaint received 2023-04-12
Product: Credit card or prepaid 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: Paypal Holdings, Inc (IL)

XX/XX/2023 : I purchased a monthly subscription on XXXX for {$8.00}. On XX/XX/2023 both my debit and XXXX credit cards were charged {$1200.00} on XXXX through Paypal. The charge on my debit card was stopped by the bank but the charge on my XXXX card was processed. 

I immediately closed the corresponding XXXX  account. I contacted Paypal to cancel the subscription and open a dispute. On XX/XX/2023 Paypal sent me an email stating that case ( ID # XXXX ) was denied because the purchase is not covered under the terms of Paypal Purchase Protection. 

XX/XX/2023 : I contacted XXXX by email, I couldn't fine a phone help line for them. I included the invoice ( # XXXX ) I received for {$1200.00} and explained that this was a fraudulent purchase. I contacted XXXX and reported the fraudulent charge. 

XX/XX/2023 : XXXX applied a temporary credit to my account and started their investigation. They explained that it may take approximately 30 days to resolve. 

XX/XX/2023 : XXXX notified me that an unauthorized party may have accessed my account and that they have assigned me a temporary password. An order ( # XXXX ) for {$200.00} to be sent to an unknown address was attempted. I reset my login credentials and removed all saved payment information from the site. 

XX/XX/2023 : XXXX ( XXXX ) replied stating that all sales for digital content are final and non-refundable. I reiterated that I did not make this purchase and it was a fraudulent charge. They replied by stating that they couldn't find any evidence that these transactions were unauthorized or that my account was compromised. 

The monthly XXXX  subscription for {$8.00} that I purchased on XX/XX/2023 looks to have been the catalyst for the entire series of events that have since transpired.
Consumer complaint received 2024-04-18
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

I am submitting a complaint and ask that you communicate with me directly within 15 days. I am a victim of predatorily lending practices regarding Citibank and Best Buy credit card. I am also being taken advantage of as a XXXX XXXX XXXX man. My wife and I submitted the attached letter and did hear back from a woman named XXXX from Best Buy corporate office on XX/XX/XXXXXXXX  ( message attached ) and have called her back 3 times without speaking to her. I left detailed messages each time describing the fact that I would appreciate a call back as I would like to clear this matter as soon as possible. I have yet to hear back from her per phone call or email message that she said she'd send. 

XXXX XXXX/BEST BUY - Dispute letter XXXX  Respecfully, XXXX XXXX
Consumer complaint received 2023-08-02
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. (TX)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear CFBP & XXXX, It has been over 90 days since I made my initial dispute against the fraudulent Late Payment notations on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts list 1. Apple Card/GS BANK USA Account XXXX XXXX ( Fraudulent inaccurate unverified late payments ), delete late payments or entire account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXXXXXX XXXX Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete these fraudulent late payments from account or delete account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (KY)

Jefferson Capital stated they bought the debt from XXXX. I informed XXXX that I never took out a loan from them and had never heard of them before. The amount was {$2200.00}. They could not even tell me where I lived or who they sent the money to. They only tried to get more information about me, so I assumed they were a fraudulent company. They then turned it over to Jefferson Capital. I informed the new company of this and they just keep trying to get me to make a deal. This is not my debt and I do not plan to pay it.
Consumer complaint received 2023-08-02
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under XXXX XXXX XXXX XXXX XXXX. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to XXXX XXXX XXXX XXXX. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( XXXX ).
Consumer complaint received 2023-07-26
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)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my file with experian. this has been an ongoing issue that needs to be resolved. this is my 2nd attempt to delete an clear all items. please review and remove the listed items to fix an clear my credit report asap.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (GA)

I contacted the Branch Office at OneMain Financial in XXXX to discuss why my account online is showing a total due of {$2.00}, but a 60-day past due notice was reported to the credit bureaus. I was advised a balance of {$63.00} was left in XXXX but I made a payment in XXXX for {$180.00} dollars but that was not reported as a payment. The Branch Manager advised it was something she could do and that the total payoff amount would be sent to me, but my account online still does not show the amount that is due. The Branch Manager advised that I will need to make a phone call every time to determine how much is still owed on the loan. The office was never able to provide a complete account summary of the total amount that was paid on the loan.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (PA)

In XXXX we went to court against the mortgage company and was given a modified mortgage agreement. In XXXX they sold our loan to another company and the new mortgage company notified me that I was behind thousands of dollars and needed to pay or foreclose on my home. They knew nothing of an agreement and our agreed payment amount. Their calculations show my payments were too low and I was behind. I contacted the original mortgage holder and had no sucess.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, I opened a checking account with Capital One a few months ago. I have transferred money in. Now they wont let me make withdrawals form the account. They need me to verify my government id. But the online system keeps rejecting my id. There are no branches near where I live.I keep calling, waiting on hold for rep for 30 minutes, and keep trying online to get new link and get the same failure. This is unacceptable..
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (NC)

Good evening XXXX XXXX XXXX, upon discovery & a few phone calls I see your company is not only out of compliance with federal law but state law as well. Creditors Bureau Associates is not registered with the XXXX  XXXX to do business in the state of NC a long with not having a debt collector license with the NC Department of Insurance which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70.
Consumer complaint received 2024-01-08
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (MI)

I have called the company several times to let them know that this debt is past the statute of limitations account and Jefferson Capital LLC is using unfair collection practices in which the representatives have completely ignored and stated this is a collectable debt in which it is not. the representatives have rude and condescending to say the least.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.
Consumer complaint received 2024-01-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc. (PA)

On XX/XX/XXXX I was contacted by Eastern Revenue Services attempting to collect a debt from XXXX XXXX of over {$10000.00}. 
I previously requested validation from XXXX XXXX on several occasions via phone request in XXXX XXXX XXXX and XXXX. 
XXXX failed to respond and send proper documentation even after providing them with updated information for me. 

The debt was not validated and my information was illegally sold to Eastern Revenue who is now making collection attempts for debts that were not validated. 
I spoke with XXXX at XXXX. XXXX refused to provide me with an accurate date that he saw my validation request and had to search back to XXXX. XXXX attempted to email me a new debt validation after I had already previously did not receive a response within the appropriate 45 day window from my initial request. Because XXXX failed to supply the demanded proof of the alleged debt, it should be noted that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IA)

Over 7 years ago my car got XXXX, they sold it and I had a remaining balance to pay. Now after 7 years they come and start garnishing HALF of my checks. I called them and they wont lower the payments. I cant survive with them garnishing half my checks every week for a car they got back long time ago!!!
Consumer complaint received 2024-04-18
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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. (CA)

I am writing to address the serious issue of a fraudulent account present on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. 
I have submitted the required FTC report to the company associated with this account and they have already removed this from their records. Furthermore, other credit bureaus also deleted this account after receiving the supporting documents. The inclusion of this fraudulent account is not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 
XXXX XXXX XXXX XXXX.