davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Sir, Re : Incident on extortion of my school fund by XXXX XXXX XXXX XXXX and XXXX XXXX on my dead Cat. 

I wish to notify you that I am still deeply in pain regarding the huge sum of money that was meant for my school fees and books which was extorted from my bank account by the XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX who vividly knew that my cat I brought to them is already dead without advising me, but took a total sum of {$1100.00} from my account on two different occasions. Below are the case numbers on two different occasions my money was deducted from them : ( a ) Case # : XXXX ( {$350.00} ) ( b ) Case #  XXXX ( {$830.00} ) Total : ( {$1100.00} ). 
However, I felt devastated about this trick of taking this money from my account knowing I am a student trying to survive and finish my school, because It's the only money I had to pay for my rent, Bills and books for my final year exam, as I have nobody to assist me in my academic pursuits. As it stands now, my account is zero and I am resuming school on XX/XX/XXXX to continue my education and I would appreciate if my fund is restored back from this animal hospital back to my checking accounts because I felt being trick and they extorted my money as they knew that my cat will die within twelve hours the moment I brought it to enable me pay for my books and fees in school. Furthermore, I expected the doctor to convey to me that my cat will die within 12 hours I brought it after He checked on my cat to enable make a decision, but rather trick me and eventually my cat died and He extorted my school fund from my account that left me to zero.Thank you for your maximum co-operation and I am anticipating a positive response from you. XXXX bless. 

Sincerely, Student XXXX.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Regarding Case # XXXX I opened a claim for an unauthorized charge of {$110.00} I didnt recognize over a month ago. It was reported as soon as I noticed the charge and Capital One temporarily credited me for the amount. On XX/XX/2024, I received a letter stating that the dispute was resolved in my favor and that I would not be held responsible for the charge as part of their {$0.00} fraud liability guarantee. I have attached the document to this complaint, and also confirmed on the phone with a representative that the investigation was complete. 

I am now logging in to my account to check my balance and prepare for payment as my statement date is coming up, and I see the {$110.00} credited to me previously was reversed, making my balance negative. Capital One already confirmed to me in writing this case was resolved in my favor and I would not be held liable for the charges. They are now going back on what was promised in the official document I received and trying to hold me responsible for this charge I didnt make for an unknown reason.
Consumer complaint received 2023-05-24
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. (AL)

These are all closed accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX # XXXX have 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to dispute certain information on my credit report, which I believe is inaccurate. I have reviewed the credit report provided by your company, and I have identified the following discrepancies. 15 USC 1681 e ( b ) ( 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.
Consumer complaint received 2024-03-12
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I disputed a {$6000.00} purchase with Care Credit and won. It left my account with a {$6000.00} credit balance. The company has held my money for six months. They need to send me a refund check immediately. This is theft by deception holding money that does not belong to them.
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (OH)

This company keeps calling and harassing me. I have absolutely no valid outstanding debt ( s ) within the past seven ( 7 ) years that has not been paid or disputed and deleted on my credit profile ( s ). When this company calls, they are rude, will not advise why they're calling or who they represent. I ask that this company seize all communication attempts to me. They have called me six ( 6 ) times in the past 30 days and they have no valid reason to be contacting me.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I attempted to make a cash deposit if {$1600.00} at Fifth Third branch ATM XXXX at XXXX XXXX  XXXX XXXX OH XXXX at XXXX XXXX  local time. The cash is vital to my cash flow and fulfilling my obligations. 

The ATM device accepted my stack of currency but apparently failed to tally the bills. For reference, there was XXXX {$5.00}, XXXX {$50.00}, and XXXX {$100.00} in my deposit. Subsequent to the failure to count the cash in my deposit, the ATM device then failed to return the " uncountable '' deposit. NO bills were returned to me by the ATM device. The ATM reported the failures on screen and requested that I enter the amount I had attempted to deposit, hence the amount shown on the ATM receipt - the image of which I'm attaching along with my complaint. 

I inquired of the branch staff on duty inside the location. Teller XXXX took keys outside to the drive-up ATM, entered the enclosing structure and returned to the counter and only offered to provide me with the phone number to register a " Dispute '' regarding the failed deposit.

The representative on the line registered my dispute and informed me that the matter could take up to four business days to resolve. My explanation of the importance of the deposit to my cash-flow was received with no alternate solutions or course of action to be pursued - only the obligatory and useless " I'm sorry '' response. 

Dissatisfied with the potential four day wait for resolution caused by the bank 's device, I re-entered the branch and spoke with XXXX, a bank representative of some sort, in his office. XXXX informed me that there was nothing to do but wait and that it could actually take up to FIVE business days. No regard for my situation, no other options were offered, no clue as to when the ATM would be audited - just the same " I'm sorry '' response, but with a hint of condescension.

I phoned Fifth Third customer service to lodge a formal complaint and in the course of providing the XXXX the sequence of events my plea to expedite were rejected. I expressed my complete dissatisfaction and was offered only the pat " I'm sorry '' response. 

My fiscal situation is dire without the cash I deposited and I made this clear, I believe, to every Fifth Third employee/contractor I spoke with. With my failed deposit in a device 10 feet outside of the branch, which the branch staff clearly has access to, I find it very, VERY difficult to tolerate the notion that my CASH deposit is going to be unavailable to me for a week due to the technical failure of that bank 's device. A person will ultimately be the one to establish what the ATM held from my failed deposit - the bank essentially has told me that it will be taken care of when they get around to it, that my situation is unimportant, and tasking someone to sort the matter out at a time earlier than is convenient to the bank was not going to happen, regardless how I'm being affected
Consumer complaint received 2020-01-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$95000.00}, {$9300.00}, {$31000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$95000.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2022-02-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus Experian, XXXX, XXXX  XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2023-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

In XX/XX/2023, I requested a refund for the President covid forbearance. I wrote a letter to MOHELA regarding my refund on my PSLF account in XX/XX/2023. The Public Service Loan Forgiveness program ( PSLF ) requires borrowers to pay XXXX payments and their loans will be forgiven. I paid XXXX payments towards my PSLF program. I am due a refund. I previously sent a refund for my payments for the President covid Forbearance periods but I did not receive the full amount. I submitted my most recent PSLF employee verification form to MOHELA on XX/XX/XXXX. My loans were forgiven in XX/XX/2023.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX  originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.
Consumer complaint received 2023-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted Mattress firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( Synchrony Mattress Firm ) XXXX times after the charges were paid, and were assured that this would be reconciled. Once XXXX XXXX XXXX bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account. 

XX/XX/XXXX - We spoke to XXXX XXXX with Mattress Firm and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months. 

XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX. 

XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months. 

XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed. 

XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}. 

The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion. 

XX/XX/XXXX We received the mattresses to complete the order. 

XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}. 

They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by Synchrony bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
Consumer complaint received 2023-05-24
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. (FL)

Experian, XXXX and XXXX have XXXX  XXXX banruptcuy on my credit report that i was not eligible to receive until XXXX, i was discharge in XXXX under XXXX  XXXX you can not filed again until XXXX, these credit bureau has XXXX  XXXX from XXXX to XXXX, i was not eligible to filed until XXXX, you only filed a XXXX  XXXX every 8 years from the previous.
Consumer complaint received 2023-12-29
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MS)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-03-05
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: LEXISNEXIS (OH)

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXXXXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I would like all my information updated and remove for you database asap.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (NY)

I've consistently maintained on-time payments for this account, ensuring they never fall overdue. I'm uncertain about the reasons for the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A XXXX XXXX loan account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt.

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX that does not have the proper permits to collect debt in the state of Texas, the collection account from XXXX XXXX XXXX XXXX originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted XXXX XXXX and also XXXX XXXX XXXX XXXX and requested this information to be verified, removed and updated. they declined.