davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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 (NY)

Hello, My name is XXXX XXXX. 
In late XXXX ( XX/XX/XXXX ), on a site called XXXX  ( no longer online, here is the link to the site : XXXX XXXX XXXX ), I purchased shoes using my Bank of America ( BoA ) credit card. The shoes said they are made in the USA and that they are orthopedic. 

Hours after I place the order I got a shipping notification with a USPS tracking number ( XXXX ), but the link in the email is to a XXXX shipment tracking site. So it ticked off an alarm in my head and I emailed the merchant to cancel the order ( they also had a free 60 day return policy listed on their site ). 

An hour after that email, the site is no longer online. At that point I called to file a dispute with BoA dispute department. Case number XXXX, for card ending in XXXX. 

I get the money back. The merchant hasn't responded to my initial email asking to cancel the order in the meantime. The item then arrives on XX/XX/XXXX and the item is made in XXXX, not in the USA like listed on the site, and is clearly not orthopedic. I sent the merchant another email on XX/XX/XXXX asking to return the item, but got on response. 
2 weeks after I started the dispute, BoA gets back to me saying that the claim is resolved. 

About 2 weeks ago ( XX/XX/XXXX ) the BoA dispute department sent me a letter that " new evidence came to light '' and that the merchant told them that the item was delivered. 
BoA dispute department is asking for a return slip or a return tracking number. 
I sent them the emails I sent the merchant and I wrote to them that the site went offline mere hours after I placed the order, which should tip them off that the merchant is a scammer. On Friday, XX/XX/XXXX, I got a message that the proof wasn't sufficient and BoA put the charge back on my card. 

I tried calling Customer service following their decision, and they said " you didn't return the item ''. Now, how would I return the item if I have no shipping address and the merchant isn't answering emails or communication, which I have clearly proved in my documents to BoA? 

In my letter to BoA, I have also listed the fact that the merchant hasn't responded to me, but he has to them. I made it clear to BoA that I still have the item and that if they contact the merchant and get a return address ( as they have no problem reaching him ), I will return the item gladly as I do not want the shoes. 

I also tried reaching out to the head of client care at BoA on Friday, XX/XX/XXXX, but I have received no answer as of yet. 

The emails I sent the merchant and showed BoA are attached to this complaint ( again, I received no response from the merchant to this day ).
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reviewed my credit report on XXXX at Transunion and seen I have a fraudulent collections account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX and Transunion. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the XXXX XXXX XXXX guidelines of what constitutes proper debt validation. In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, XXXX days after the date of Brennans debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX  % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2022-05-31
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. (FL)

In accordance with the Fair credit Reporting Act XXXX  account XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A. A Consumer support agency can not furnish account without my written instructions.
Consumer complaint received 2022-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I received a letter from Mohela, telling me that my federal student loan account has been moved from federal student aid to Mohela. It had an account number of XXXX. On XX/XX/XXXX, I called XXXX and spoke to XXXX. She told me that my name, XXXX, and address were attached to this account. She also said phone numbers XXXX and another one ( different area code ) which I did not write down ; and XXXX were attached to the file. She said that since my SSN was used, it was fraud and to call the fraud hotline at XXXX. I called that number and spoke to XXXX, who looked up all the info. She was able to tell me that on XX/XX/XXXX, a loan for {$3100.00} was disbursed to XXXX University, School ID XXXX, with contact info XXXX XXXX at XXXX. 
I have never heard of this school ; no one in my family has gone to college in over a decade ; and we have never applied for a student loan. 
I would like my social security number, phone number, address, and name removed from this student loan ; and I would be happy to prosecute the person who has stolen this information and used it for their own gain.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (MO)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank accounts that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00}
Consumer complaint received 2022-05-31
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: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$23.00} XX/XX/XXXX XXXX XXXX {$23.00} XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX {$260.00} these purchases were made on XXXX from an accident as the items were delivered, I contacted American express to find out that the account has charged the transactions from an expired credit card
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have requested full verification that this item is reporting 100 % accurately. to which I have not received any documentation from XXXX. As such I have requested that XXXX delete the late payment on this account due to not providing me with any evidence that I was late on this account.
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I am writing to complain about a credit offer that became a problem and resulted in a substantial additional charge on my Home Depot Credit Card. The credit card number was XXXX XXXX XXXX XXXX. I have cancelled the card.

The credit offered zero interest on a larger purchase from Home Depot. The interest accrued but was not to be paid, as long as the account remained in good standing for the zero-interest rate offer period. To ensure that I could avail myself of this zero interest credit offer on the purchase, I set the card up to automatically pay a specified amount monthly. This approach worked well until the zero-interest credit period ended. 

However, I lost my card during this period and had to order a replacement. The replacement request was a problem because the information source I used to ensure that I was fulfilling my obligations on the card was not updated by Home Depot. This is because the site that I went for checking on the credit card balance never updated for the new card, and as a consequence, never showed the status of this credit offer. 

Consequently, I continued to pay the monthly specified amount automatically. However, once the credit offer term ended, Home Depot applied the full accrued interest balance to my credit card balance, and I was never made award of this adjustment because my electronic access to the credit status card was not updated. 

I realized a few months into this change that my account balance had been adjusted upward for the interest. If I had been informed by the electronic XXXX XXXX digital account site, I would have paid off the credit at that time. 

I believe the automatic payment option is a problem given that XXXX XXXX did not update my electronic access the status of my account. While the person I spoke to indicated that I had been sent notification via XXXX notices, I did not receive them. This may have been because of a couple of addresses changes that had occurred in the interim. However, I did have XXXX forward my mail, so I do not understand why I never received them. 

In any event, I believe that the approach being used by Home Depot is unfair to consumers as it offers automatic payments but does not update electronic notification to reflect balances on the replaced credit card like occurs with my other credit cards. It appears to take advantage of the false sense of security offered by automatic payments, to lull the customer into believing that they are sufficiently informed of the status of the account. 

I would like Home Depot to rectify this problem by returning the interest that I had to pay to pay off this account. Please confirm receipt of this letter.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I recently submitted a 3rd dispute for the credit reporting agency Equifax to fix the inaccurate information on my report. I sent all account information, including description of what was incorrect yet they rfuse to remove the inaccurate information and ask again for me to provide the information, see attached
Consumer complaint received 2022-05-31
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. (PA)

I submitted a letter to the TransUnion XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NJ)

Purchased a {$300.00} gift card on the night of XX/XX/XXXX, the next day, all the funds were gone and they said a purchase was done for it for a name I can not recall that contained the word card in it. The card never left my kitchen counter and was never even opened to reveal the card number.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2020 there was a XXXX transfer on my account in the amount of {$500.00} Another in XX/XX/2020, another XXXX transfer of {$230.00} In XX/XX/2020, there was a XXXX transfer of {$160.00} And in XX/XX/2020, there was another XXXX transfer of {$100.00} Totaled {$1000.00} I called my bank and they denied my claim refusing to give me back my money
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I received XXXX separate emails from Synchrony bank on XX/XX/2019 indicating that my XXXX XXXX XXXX account was now open and ready for use. I did not apply for this credit card/account. I called several Synchrony bank contact numbers and none of them were in service. I have been unable to reach the bank to investigate the fraudulent card. I have notified my credit protection service.
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: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report and discovered fraudulent accounts listed, which are adversely affecting my creditworthiness and ability to secure credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the immediate removal of these fraudulent accounts from my report. They are hindering my ability to obtain credit.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/2022 I requested via XXXX validation of debt, or the account be removed. 
after investigation was completed, XXXX verifed debt to be accurate, by law i have the right to documentation showing this debt is accurate. please provide me proper validation this account is accurate.
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources (NC)

Notice to all, I am that I am, the CONSUMER in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding. 

On XX/XX/2022 I received a letter from FIRST POINT COLLECTION RESOURCES INC. to acknowledge a dispute. I never gave them my written consent or permission to contact me. This is Harassment, and has left me with extreme XXXX  and XXXX. 

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Evidence and Proof shows they contacted me on XX/XX/2022. They have/retrieved/bought/stolen/were given MY PERSONAL MEDICAL INFORMATION. THIS IS A VIOLATION, and has caused me great mental suffering and XXXX. 

Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Evidence and Proof shows They have included a logo within the contents of the letter. THIS IS A VIOLATION. 

Pursuant to 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Evidence and Proof shows that the letter reads this is communication from a debt collector. THIS IS A VIOLATION.

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

To say I owe a debt on my private medical information is obscene and profane language
Consumer complaint received 2022-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our parents XXXX XXXX XXXX and XXXX XXXX XXXX resided in XXXX, Fl for over 28 years. During this time they the following Merrill Lynch Accounts : XXXX XXXX XXXX IRAs Accounts ( XXXX XXXX and XXXX XXXX ) XXXX XXXX XXXX Accounts ( XXXX XXXX and XXXX XXXX ) Merrill Lynch XXXX XXXX XXXX XXXX, as XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX For 28 years ) And Merrill Lynch in New York for over 40 years. 

In the XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX Probate File No : XXXX XXXX XXXX XXXX Probate File XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from the XXXX XXXX XXXX and XXXX XXXX XXXX. Sufficient evidence to believe that the executor, XXXX XXXX has breached her fiduciary duty ( Formal notice was never given regarding the Notice of Administration ), fraud with Merrill Lynch beneficiary rights causing severe monetary damages, tax fraud, and causing financial harm to the estate. File a complaint against Merrill Lynch ( XXXX, Fl XXXX XXXX and XXXX XXXX, NY Bank of America, XXXX XXXX  ) for suspicion of elder financial elder exploitation. 


Suspect that a week after father ( XXXX XXXX passes away on XXXX in XXXX, XXXX and mother ( XXXX ) fly to NY to visit her son ( XXXX XXXX. During this three-week visit, is when the suspected exploitation of elder financial abuse, change of beneficiary change, transfer of assets, and or retitling. XXXX Bank of America, XXXX, NY ) Having the convenience of a disbarred NY XXXX XXXX attorney guiding the way for assets to be placed in an irrevocable trust. Our elder, frail, diagnosed with XXXX, using XXXX XXXX XXXX XXXX, and losing her husband of 72 years, was not aware that her XXXX XXXX XXXX XXXX, and XXXX ( for XXXX XXXX, and son would financially abuse her with beneficiary fraud and elder exploitation. 

SonXXXX XXXXXXXX XXXX XXXX, Beneficiary on Will, ( Convicted of a Federal Crime Embezzlement and Misappropriation of funds ) XXXX XXXX XXXX. XXXX, NY, ( XXXX XXXX Supreme Court, XXXX XXXX, XXXX Department, New York, XX/XX/XXXX, XX/XX/XXXX. The investigation has revealed that he has misappropriated and failed to account for funds entrusted to him as a fiduciary. He was disbarred, and his name is stricken from the roll of XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chambers : XXXX XXXX XXXXXXXX XXXX XXXX Was contacted via telephone by XXXX XXXX on XXXX XXXX XXXX XXXX, reporting suspicion of beneficiary fraud on parents ' Merrill Lynch IRA accounts. XXXX XXXX XXXX stated that she is unable to pursue anything further because his name is not listed on any accounts. 
XXXX had the XXXX beneficiaries on file for over 70 years with retirement accounts and XXXX accounts. The XXXX adult children ( XXXX, XXXX, and XXXX ) XXXX XXXX XXXX beneficiaries are the same and consistent with their Will. 

Thank you for your time and attention to this case. 

Regards, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX