davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (CA)

I moved away from my old address in XX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it  doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was contacted by a company called " Portfolio recoverys. '' I've made no contacts or arguments with this company. They say I owe {$760.00}. I need this removed from my credit immediately. 

Thank you!!
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (LA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (TX)

Earlier this year, COLLECTION BUREAU OF AMERICA reported a collection on my brother 's credit reports who never lived in XXXX Texas. He filed a complaint with CFPB ( XXXX ) against this company on XX/XX/2020. The company responded with a letter ( attached to this complaint ) and associated me with an address that I never lived at and reported Collection under my Social Security Number. I have attached a record of my student apartment 's lease payment where I lived for years. 
COLLECTION BUREAU OF AMERICA has a very poor reputations that can be seen on the internet.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

Charged {$35.00} XXXX  fee from account that was used with low funds being that a deposit was made to another account connected. Emailed branch manager in XX/XX/2022 multiple times, as she's given a 1 time courtesy adjustment before, but since they closed down our nearest branch she never responded. Already in class action with SunTrust over XXXXs from previous years we are somehow included in. 

Scam happened and I contacted bank to stop the XXXX transfer before it was processed. I was told I could completely change our account number and shut that acct. down or they would send a letter for me to sign for a dispute of that transaction. That letter never came. I tried to do a stop check on that reference number but it could never be completed. See in the bank a {$35.00} stop check fee was charged. 

I just called and was told the stop check attempt was made after the scam transaction was already processed. I said the stop check didn't go through, which I should have some pictures of if it was allowed, and I was told I was charged. Asking multiple times " how & why '' was I charged if the transaction could not be stopped, was not a check, the transaction already posted so was ineligible, charged for nothing and how I wanted that refunded I was told that was not an option. After discussions of more of the initial scam and call I was then allowed a {$35.00} courtesy reversal on the stop check. 

So the charge that should never have been charged to me by the bank that I was told was impossible to refund now was refunded as a courtesy for them to give back money that should never have been taken. I was asked if anything was needed and I said yes the courtesy can be applied to the {$35.00} XXXX  charge, that I contacted them multiple times the beginning of the year with no response, and they could reverse this charge as it should be illegal if it truly isn't. 

Then I was told that the {$140.00} scam dispute, which they were supposed to send the letter for me to sign, was denied before I was sent any letter or attempted to stop that transaction. I asked that the previous information be collected and sent up and for someone to contact me but git that it was noted at best. Then I was supposedly sent to the fraud team, I had already spoke too when the FTC complaint filed scam was still pending, but I was just sent to their fraud number. I did not hear the questions for the number prompts, as my wife and I were discussing how amazingly difficult our bank was being in a simple issue and was it because they merged with our old bank that we left before laws were changed, and the phone hung up. 

In attempts to keep my XXXX XXXX and XXXX  down I landed here. Reminds me of the ex-Bank Manager I worked explaining the percentage of profits for the bank were made off fees and XXXX charges from people that don't have funds ... Shameful and why many may ask why they're not rich I realize that I am not rich because I can't work in a way that relies one not to have a conscience.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I deposited a check in the amount XXXX into my bank and was told there was no hold on the check woke up on XXXX and the money was deposited and then removed from my account called bank of america as to why the hold and they couldnt give me the reason as to why which by federal regulations they need to let me know and they have not the supervisor would not tell me why the hold is on the check except that it protects me it is an on going issue that is happening on my account they told me the hold will be released on XXXX 12 days to clear a check in the electronic world these days is crazy im tired of going through this with bank of america there are federal guidelines that need to be followed
Consumer complaint received 2020-08-15
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: JPMORGAN CHASE & CO. (VA)

Chase/ Southwest Credit card was intercepted and false charges made. Card was cancelled by Chase. New card sent, that card intercepted and false charges made. Chase cancelled that card. Per Chase security, they received a call, that was recorded, requesting to change the PIN number for the card. They did not allow it. I received a third card, different number via mail again. I called Chase to verify receiving the card in the mail. Was informed about above requested change in PIN, they verified my voice on line to recorded voice used to try to change the PIN. CHASE instructed me to destroy that card and sent out a new card via XXXX. I called and verified the card. Also per their instructions made up a personal password for this card. I am XXXX yrs old, live with my daughter and was instructed to send this report to you.
Consumer complaint received 2020-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE BANK USA N, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA N, XXXX. XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

We would like to know why we have paid over {$1000.00}. in payments in the last 6 mos. yet my balance has only gone down {$140.00}. My husband has been out of work since XXXX due to the pandemic, yet we have still always paid more than the minimum payment and always on time. Last month we were only able to pay {$130.00}, still more than the minimum due, but my balance went up {$22.00}. When we made a {$200.00} payment, the balance only went down {$50.00}. It doesn't seem right that the interest and fee every month comes to more than the minimum payment, even though we have never made just the minimum payment. We have other Synchrony accounts, including Conn 's, and Chevron. We have had no problem with these. The course of the Care Credit account seems outrageous but we would like to think it is some sort of error that will be corrected. We have tried to contact them on their website but nothing would go through. I have tried calling, but we get put on hold and disconnected.
Consumer complaint received 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I went to use a usaa atm since its the bank I was using. On XX/XX/XXXX I went to withdrawal XXXX to pay for a roofing job I had got done. I did 3 transactions 2 for XXXX and 2 for XXXX and during one of the transactions I received XXXX counterfeit XXXX $ bills. I contacted the bank and they originally put I didnt receive the money from the transaction so I called them back once I was notified the investigation was closed. They opened it back up and I never heard anything back. They now closed my account and I still have the counterfeit bills.
Consumer complaint received 2020-08-15
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. (CA)

Hello, I have been contacting Experian, XXXX and XXXX   since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Company sends conflicting information on a debt they will not be able to collect. This debt will fall off of my credit repot next year and you still won't collect a dime! Credit in great standing and will not be affected by them continuously trying to collect a debt that I do not owe. They just sent a letter saying the balance was {$0.00} and the account is closed but responded on here saying that I have a debt with XXXX XXXXXXXX but have no proof that was me and no signature from me that I had this card. I have a 100 % payment history on all my accounts which can be seen on my credit history.
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/2022 a postal money order was mailed to American Honda Financial Corporation discharging debts under U.C.Code 3-603/3-311. According to the US Postal Services tracking the payment was received by the department. On XX/XX/XXXX the corporation called my phone threatening to repossess my vehicle although the payment was received.On XX/XX/2022 I informed American Honda Finance by certified mail that under 15 USC 1635 I am exercising rights to rescind transaction due to fraudulent activity discovered on the account. In the letter I also expressed that under 15 USC 1635 ( b ) upon receipt of recession I would not be held reliable for any security interest, finance charge, etc and all becomes void effective immediately. 

On XX/XX/2022 I received a letter from XXXX XXXX representing American Honda Motor Co Law Division stating that my notice has no legal effect and alleging that it does not discharge me from the alleged debt owed to American Honda Financial Corporation. The letter states that American Honda Finance Corporation rejects that offer and reserves all of its rights and remedies. 

On XX/XX/2022 I responded to XXXX XXXX and the Law Division expressing that as a natural person and consumer it is my right to rescind this contract being that I was not provided the fully made aware of terms of contract.
Consumer complaint received 2020-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (FL)

Hello- On two different occasions Regions bank claims they never received our payment. When it happened the first time, we simply went to a branch. Today, because its convienent for them, their branches are closed. When we called on the Regions greenline phone, we were told our " credit card/credit line could only be handled by a branch loan officer ''. 
We are making this formal complaint because Regions does not allow us to email them. Regions does not have phone staff in place to assist us with our issue. Regions branches are closed to anyone who is not a current account holder. Our current bank paid Regions on XX/XX/20 {$1000.00}. Regions didn't cash our check until XX/XX/20. To this day, Regions has NEVER credited our account for the payment.Regions has also illegally attached a late fee of {$49.00}, and still shows us as late!
Consumer complaint received 2020-08-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I sent letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-15
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: SYNCHRONY FINANCIAL (FL)

I made payments towards my credits cards in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( There maybe more instances but at this time I am waiting on hard copies of my bill and can only go this far back online history ). 

I contacted the company each month requesting they apply my payments to my promotional balances first prior to my general balance. When reviewing My statements I see that I was in fact charged the amount of my payments as purchases on the following respective billing statements. 

Example ) I made a {$130.00} payment in XXXX and requested it be applied to my promotional balance. My XXXX statement shows a purchase amount of {$130.00}. 

I contacted the company and asked to be refunded any false purchases and interest/finance charges associated with these false purchases. 

They said they arent able to refund interest and could give flat credits for the amounts.