davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My existing debit card was about to expire, BofA sent a newly issued debit card but I have not received the new card. On XX/XX/2021, Someone used my new debit card XXXX same card number, I believe ) at XXXX store making XXXX separate unauthorized purchases totaling {$1100.00}. I reported the fraudulent card use to the Bank of America that same day and they canceled my card and temporarily refunded me the {$1100.00}. However on XX/XX/2021, BofA denies the claim stating below and did not provide any further information or proof and they will remove this temporary credit soon. 

The charge was authorized by you or by someone who has permission to use the card or account. 

I filed a police report, sent the police report to BofA. 
Big store like XXXX has multiple good XXXX, Has BofA checked the video footage? If so, please share. BofA sent me a fraud alert for this unauthorized transactions, implying this transaction is certainly out of ordinary. But now BofA denies the claim with no valid reason, I can not accept this decision. Please do a thorough investigation again including checking the video footage and refund my money ASAP. 

I am so disappointed to find out that my bank for 19 years does not stand up for me for valid fraud claim and thinks me as a criminal. I will follow through and do everything until this claim gets resolved. 

XXXX ID : XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (IN)

A year ago someone from DNF Associates LLC contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.
Consumer complaint received 2021-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a XXXX dated or filed XX/XX/21 by Midland Funding LLC. Midland is suing me for an alleged debt and they are in violation because a debt collector can't say I owe any debt pursuant to 15 USC 1692b. I do not have a jurisdiction and I am a federally protected consumer and I abode. The amount of judgement listed is {$1800.00}. Crooks! I've never done business with Midland and don't have any contract so why do you have access to any of my personal and private information. You shouldn't have anything on file with your company in regards to me. My privacy has been violated.
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint due to lack of response from the credit bureaus, per the Fair Credit Reporting Act, if the bureaus do not respond in 30 days the accounts must be deleted. During these times of pandemic, taking the appropriate action is important and consumer like me should not its now been over 90 days and I have waited long enough.
Consumer complaint received 2021-04-18
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: ID Analytics, Inc. (CA)

No permission was given to this consumer reporting agency to report any of my consumer information which is a violation of my consumer rights, persuant to 15 USC 1681a ( 4 ).
Consumer complaint received 2021-06-24
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. (NY)

" Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these accounts below be removed immediately. ''
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

An account from XXXX XXXX appears on my credit report and I have never had an account with them or done any business with that person. Due to this inaccuracy on my consumer report the credit reporting agencies are not in compliance with 15 U.S.C 1681e 607. ( 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 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NJ)

My credit card with PNC Bank had been written off and included on my credit report as a write off during COVID despite my previous communications to PNC Bank to explain that I had notified the customer service representative ( multiple times ) of my loss of employment. I would like to pay the amount owed in full, but prior to doing so, have reached out to PNC multiple times to ask how quickly the error on my credit report can be corrected to reflect that my card should not have been written-off and is paid in full. This error has resulted in my inability to find full time employment and substantial financial loss. In addition, today I reached out to PNC again ( at XXXX ) to find out when this correction will be reflected on my credit report and the representative ( reading from a script ) refused to answer the following questions : 1. What is the process for reporting credit card payments to the credit bureau? 2.Which department at PNC is responsible for reporting the payments to the credit bureau? 3. If I pay the amount today, when with the payment and correction be reflected on my credit report?

Again, I would like to pay the total balance IMMEDIATELY, but need PNC Bank to confirm that this error will be corrected and assurance that the payment will be reflected on my credit report within 30 days of the payment submission date.
Consumer complaint received 2021-04-18
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: CITIBANK, N.A. (NC)

This merchant has caused significant harm to my business. I paid them to send products to customers and they scammed me. I've had serious harm to my brand and had to resend all of these customer orders and pay separately for them while this money has been tied up in disputes. They blamed covid for the issues, but months later all of my customers still don't have their shipments. In tracking the shipments they all either say, " waiting for shipment '' ( meaning the merchant never shipped them ), or the tracking never says delivered. I have included in my previous correspondence all the tracking numbers the merchant sent me, and the results. They show that the products shipped were never delivered. The whole sale was a scam. Now, i will not be responsible for these purchases as they fall under the credit card protection for fraud. If I need to file this in court, I can. As you can see it's for a large amount, and it will be a serious charge due to the dollar amount.
Consumer complaint received 2021-04-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is in violation of 15 usc 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. AMERICAN EXPRESS has been notified in writing to cease and desist communication. AMERICAN EXPRESS continues to violate my consumer rights while continuing communication through mail and emails even after receipt of Cease-and-desist letter. Pursuant 15 usc 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter AMERICAN EXPRESS suspended all charging privileges threated to cancel my consumer credit plan and threated to refer my consumer credit plan to a local attorney offic after I invoked my consumer rights. AMERICAN EXPRESS is in violation of 15 USC 1692b ( 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. AMERICAN EXPRESS sent mail with symbols on and in the content inside the envelope through the mails that indicates their in the debt collection business. AMERICAN EXPRESS is civilly liable Pursuant 15 usc 1692k.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alpha Recovery Corp (CA)

Alpha Recovery Corp called me and stated there was a debt for apartment lease that was delinquent. I had no proof of debt and asked for documents which I still do not have. I offered to negotiate anyway as I co signed for family to live there. Once I offered to negotiate I was called at inconvenient times, called after I issued cease & desist on a few occasions. I've been threatened, harassed and I am tired of this treatment. I explained to them through email that I would be making complaints and also litigating the matter if it didn't stop which they still continue. Please help me, get this business of my back please. My wife and I are shaken and unsettled which has created much stress.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from XXXX  and nothing is done I am legally XXXX and suffer severely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I decided to boost my credit through experian boost after seeing my score was XXXX with them as compared with XXXX & XXXX scores in the mid XXXX 's. After going through the boost site info filling in the boxes etc, I had to fill in my bank which is XXXX XXXX but was not a bank that experian on their list of hundreds of them they refused to remedy the problem. I contacted XXXX XXXX who told me that they are open to all three major credit services and could not fix my problem. Help me to fix this problem asap.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown Olcott, PLLC (AZ)

Brown|Olcott a collections agency sent me a demand letter on XX/XX/2020 with an incorrect debt amount. ( attached ) ... ... ..

Within the 30-day dispute window, I sent two dispute emails ( attached ) to them, but never got a response as required by the FTC FDCPA. The FDCPA requires the collection agency to cease collection activity while disputes are unanswered. It persisted without resolving the debt discrepancy ... ... ... 

The amount demanded was not delinquent on XX/XX/2020 and included amounts already paid, not yet past due, not yet invoiced, and associated with a recurring monthly fee that had never been delinquent. ( annotated creditor statement attached ) ... ... ..

Brown|Olcott filed a lien against my property and refused to remove it, despite all creditor 's invoices being paid directly to creditor. ( Creditor accepted payments in breach of its collection contract. ( attached )
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I called Capital one to let them know of the issue with reporting. They agreed late payments shown would be removed. XXXX, XXXX, XXXX XXXX. Three were removed but the XX/XX/2020 is still showing. The negative reporting is now affecting my credit and employment status in this pandemic. I would like to request the derogatory remarks and late payment reporting on my credit report to be corrected and removed as agreed previously. Thank you kindly in advance for your help and I appreciate your help dearly.. Many Blessings to you and yours, XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

I ordered furniture from XXXX XXXX  XXXX XXXX  using the store card offered through Wells Fargo. The furniture ( 3 piece sectional and coffee table ) was delivered broken and with defects on XX/XX/XXXX. I immediately reported this issue to XXXXXXXX XXXX XXXX XXXX and was told the furniture would be delayed and unavailable until XX/XX/XXXX and that I'd have to call to schedule the delivery on my own since XXXX XXXX  doesn't have a department to handle this. I reached out to Wells Fargo to dispute the charge on my credit card for the sectional and coffee table only. Wells Fargo advises the dispute can take up to 60 days for resolution. When I call back to check the status around the 60 day mark, i was told that they're waiting to receive XXXX XXXX return policy and that they were unable to provide an ETA as it varies and can take 120 days or more. In the interim, I received a letter from Wells Fargo stating they made an error on my credit report. When I checked my report my balance was a zero which dropped my credit score. Prior to me ordering the sectional and coffee table, I ordered a bedroom set which was not in dispute and a balance is still due on that item which should be reflecting a balance on my credit report.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX XXXXnsurance company was supposed to give a at home order refund per the insurance commissioner. For XX/XX/2020 to XX/XX/2020. They never gave me my credit and when I left the company they stated I owed them. They actually owe me a balance for refund under governments order to stay at home for covid.
Consumer complaint received 2021-04-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (SC)

I've had my student loan transferred from XXXX XXXX to First Mark Services. It was setup on autopay at XXXX and I saw the account disappear awhile ago on XXXX website. I've been receiving a ridiculous amount of email and paper mail from XXXX XXXX explaining that they're transferring student loans and to wait for FMS to pick up payments. I've not received a text, email or letter from FMS and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. XXXX XXXX has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for FMS.
Consumer complaint received 2023-03-31
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report.
Consumer complaint received 2021-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

My HELOC loan was transferred to Loancare ( Tel XXXX ) from XXXX-XXXX  on XX/XX/2021. My loan number # XXXX shows up in their system but the website is not allowing payments and I can not get a payoff quote when contacting them by telephone. My pay date is XXXX so I don't want to go into default on the loan, which is why I'm trying to pay off the entire amount. I have called at least 5 times and I get different information every time I call regarding when and how I can make payments, but I'm never allowed to make any actual payment! If you need to reach me call anytime at ( XXXX ) XXXX