davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Credit card or prepaid 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 ()

Date : XX/XX/2022. 
Amount : {$160.00} The related company : Bank of America, XXXX XXXX Compant Actions that were taken by me : I paid my mobile service on XX/XX/XXXX. Due to some technical issue, I was duplicate charged. From my bank statement, there were two duplicate transactions. So I asked a refund for one of it. 

I called XXXX XXXX company several times. XXXX insisted they only got one of my payment and they have already refunded to me. XXXX asked me to call my bank, the Bank of America, to see if the money was still in BOA 's nonminate account. 

I called Bank of America. Bank of America insisted the money has gone to XXXX 's bank. Bank of America asked me to call XXXX. I also asked for a dispute for the transaction, but it was denied due to existing timeframeworks. 

I called XXXX again, XXXX asked me to call BOA. 
I called BOA again, BOA asked me to call XXXX. 
That's what is happenning now. 

I really want to know where is my money? Who stole it from my credit card? I paid my mobile service on time but XXXX said they didn't gey my money and stopped my service. I want my money back. But I even can not know whether it is in the Bank of America or it is in XXXX 's account. Both of them said they didn't get my money. I felt like I was a soccer being kicked around.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I went to the bank ( Truist ) on XX/XX/2023 to withdraw some money from my checking account and was told the account balance was insufficient for my request. I spoke to the branch manager and she explained that a withdrawal of {$840.00} was made on XX/XX/2023 at another bank location outside of my district. She proceeded to file a claim for reimbursement for fraudulent/unauthorized activity. I called the fraud department on XX/XX/2023 to check the status of the claim and was told my claim was denied because I did not report the fraud within 30 days of the transaction. I explained that I could not report the fraud within that time frame because I did not know the transaction had taken place until XX/XX/2023, and I filed a claim that very day. I filed an appeal and was told the appeal was denied as well. I called the fraud office again on XX/XX/2023, explained the situation and how I could not file a claim before XX/XX/2023 because I had no idea of the fraud before that date. I also requested what process was used in their investigation and was NOT provided with any futher information. I explained that if they would review the surveillance during that transaction and the forged withdrawal ticket, they would be able to see that I was not the one responsible for the transaction. I put my money in the bank for protection and for the bank to allow someone to STEAL it is just wrong.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by XXXX XXXX XXXX on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXX dispute with no answer back from XXXX XXXX due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. 

Bank of America Auto : One payment has been deemed late and dated to XX/XX/XXXX. I have been a bank of America customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XXXX XXXX ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2023 at around XXXX XXXX my XXXX card was declined after I tried to purchase goods and services from another merchant that is selling equipment and furniture for my business. Immediately after, my credit limit status was changed from " no-preset limit '' to {$4700.00}. When I called that same day, I was told by several representatives that this desicion was made by their system because they believe that this merchant shares an " affiliation '' with me and that this transaction violates their merchant agreement. They stated very vaguely that an affiliation could mean an association or relationship between me and the merchant that relates to the business. However, there is no merchant agreement that would state this policy nor is there any mention of this process on the cardmember agreement that I signed and received. This policy was never stated or mentioned in any of the terms of service, agreements or documents that I signed and agreed to when I first submitted my application. I was informed by the last representative on XX/XX/XXXX that I would receive a phone call from their supervisor within 24 hours, which never happened. I called again on XX/XX/2023 at XXXX XXXX and was told by a supervisor that my only option was to speak with customer service. The representative gave me a link to the digital copy of a XXXX cardmember agreement, which does not specify anything about this " merchant agreement '' policy, nor that they do not allow certain transactions between cardmembers and merchants who are affiliated with eachother in some way. Additionally, the US cardmember agreement fails to mention anything regarding merchant affiliations with cardmembers or " merchant agreements ''. 

Lastly, I spoke with a customer representative again at XXXX XXXX who then transfered me to XXXX XXXX of the financial review team. I kindly asked her to show me this policy and she repeatedly refused. She stated very adamantly that she does not have to provide me with any information, and that neither she nor American Express will disclose any part of this policy to members and applicants in their cardmember agreement and terms at any time during the application process and during our membership with the card. 
She also stated repeatedly that this is their " process '' and that nothing will change. 

American Express failed to provide me with their full terms and conditions before I signed their agreement, and XXXX XXXX of the CRAT department also refused to provide me with the full terms and conditions of the cardmember agreement despite repeated requests, and would not read the written terms. XXXX also failed to specify clearly what this affiliation is and refused to resolve my concerns.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

XXXX XXXX charge off has exceeded the time limit of reporting and should be removed I havent made any payments to this company in over XXXX years the information posted is false and charge off removed disputes have been filed but false info still reporting
Consumer complaint received 2023-05-24
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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 2023-09-27
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: ENCORE CAPITAL GROUP INC. (WA)

XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX accessed my XXXX consumer report without my knowledge or consent. 

XXXX XXXX XXXX XXXX did not have a permissible purpose to access this information and are in violation of the FCRA. 

XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Midland Credit Management XXXX accessed my XXXX consumer report on XXXX different occasions without my knowledge or consent. 

Midland Credit Management XXXX did not have a permissible purpose to access this information and are in violation of the FCRA.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I have had  Wells Fargo  for over several months. I believe they have been stealing money from my checking account. I continually try to add the transactions listed on my account but it never adds up properly,  one day I may h ave a few thousands of dollars but then several days later it would be over drafted without a single transaction occurring. But the second and main purpose of my complaint is because i was  XXXX  in the beginning of  2017  by the  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back  to america I a cted accordingly and notified the bank immediately afte r finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) and did everything correctly. I also notified the bank that I have Military orders that show I was out of country but within two days after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of over   XXXX    transa ctions and over {$1000.00} of my hard earned money was denied.
Consumer complaint received 2023-11-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP (NY)

Neither the website, nor verbal dialogue with a US Bank XXXX number representative, clearly stated that the CD would not " roll over '' within the same CD " category '' as originally purchased. The website, and published material, both leads one to believe that the matured CD would renew at the nearest rate of return that is then being offered at the length of time as the original purchased CD ; as stated on it's website : " If you choose to take no action during the XXXX grace period, your CD will auto-renew its current balance and term with an APY ( Annual Percentage Yield ) determined on the maturity date. '' Instead, US Bank deceptively rolls funds into it's lowest rate of return CD in an entirely different category as the one originally purchased, and whose category is buried in the website. I purchased a XXXX  month, XXXX  XXXX CD with a return rate of 4.5 % on XX/XX/XXXX. It matured XX/XX/XXXX, and our funds were then " rolled over '' into a XXXX  month CD, but at a rate of only 0.5 %, and in a CD that is not in the same category as the one we purchased. I called their XXXX number, XXXX XXXX, on XX/XX/XXXX, and spoke to a representative who took down my information and stated that a senior management person would open a complaint file and take further information from me. On XX/XX/XXXX, I called my branch representative, XXXX XXXX, at ( XXXX ) XXXX, and was told I needed to call the XXXX number as she could not assist in my complaint. I again called the XXXX number on XX/XX/XXXX, and repeated my request to file a complaint and launch and investigation. To date no one has gotten back to me.
Consumer complaint received 2023-10-12
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo discontinued the Nevada  Unemployment program and advised ( in a letter ) that all remaining balances would be send via check. Prior to the program ending I changed my address with Nevada  unemployment to my Ohio  address. After not receiving my check I walked into a Wells Fargo branch and they could not help me so I called on X/XX/17 and inquired, only to be told it was send to the old and inaccurate address. I was also told it would take 10 to 30 days to replace the check and it would be sent to my new address, XXXX XXXX XXXX XXXX, Ohio  XXXX. I called Wells Fargo today and immediately received a rep and they said I have to transfer you to a level 2 representative. I have been on hold over 45 minutes. Fortunately I am back to work and can wait on these funds but I ca n't get anyone to tell me what is going on. I would like my remain balance ( somewhere around {$1300.00} ) IMMEIDATLY and am requesting interest since you are holding my funds. In addition I would like a call so I can arrange to pay off my Wells Fargo credit card, close my checking account and I will arrange to move my mortgage. This was my first experience with Wells Fargo about a year ago and unfortunately it has been very poor. I am also filing a complaint with the CFPB. I finally talked with someone at the company and they said I would receive the funds but now there is no timeline. They cant hold money they owe me XXXX, if I owed them money and I was n't paying back, I would get calls everyday.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND CREDIT MANAG XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX Have mention about a lawsuit maybe issue to me if the balance is not paid on a certain day {$930.00} the collections account. I will send in the documents what the dates I have receives these letters plus phone calls.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-11-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I sent a certified letter ( requested by my agent with the debt company ) with the relevant information about my account with The XXXX at XXXX XXXX not actually having a balance ( this included the image of the cashier 's check that was cashed by the apartment complex, a note signed by the manager stating the account actually had a XXXX balance, and my copy of the cashier 's check. ) It was delivered on XX/XX/2023 XXXX am to their XXXX XXXX . I also called on the XXXX of XXXX to ask about my status and was told it was " in processing '' by a manager at the company and was told to check back the next day. I have given the company almost XXXX weeks since that specific phone call and have heard nothing. 
I also have confirmation that the manager of the apartment complex in question ( The XXXX at XXXX XXXX. XXXX XXXX ) both called and emailed with XXXX XXXX on XX/XX/XXXX regarding my account being closed immediately, as I was placed with collections by a clerical mistake on the apartment complex 's part. And they sent a follow up email on XX/XX/XXXX with my account number to make sure the debt company had the relevant information to close my account.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NC)

Nelnet is servicing a student loan registered to myself. The website is constantly down, the wait times for calls are over an hour, so I've been unable to access my account, know what I'm being charged for, and the current status of the loan. 

I've also attempted to sign up for automatic payments or make payments online, which have failed almost every single time. 

I would like the company to validate the debt as well by providing the original promissory note. This is not a credit dispute as of yet, just want to be sure the debt is valid, related to any debt I actually incurred, and to provide those documents in a timely manner for review.
Consumer complaint received 2023-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC (MI)

I XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law XXXX XXXX XXXX also accepted a CASH down payment of {$10000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: OLIPHANT FINANCIAL, LLC (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!