davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (GA)

During the month of XXXX I accrued roughly {$7200.00} in charges on my Amex card. I did not have that account enrolled in auto pay because it would have overdrafted my checking account due to rent coming out first. on XX/XX/XXXX I flew out with my XXXX XXXX XXXX XXXX XXXX XXXX to go on a XXXX, that I was told I would only be 2 months, one of which I would have full access to my phone and other means of adjudicating this issue with the company before the debt was significant enough to do any further damage. The XXXX for me lasted until XX/XX/XXXX, when I returned to the US to find that my card was canceled and was sent to an outside agency. The first availability i reached out to the and tried to explain my situation, and due to this they recommended that i file a XXXX XXXX XXXX XXXX ( XXXX ) dispute. I do this and later on XX/XX/XXXX they inform me that the Account is not eligible for any protection under the XXXX. I asked the company again for them to waive the interest payments accrued during my time XXXX because I was not in control of being able to pay them any money. As a result they told me that the best thing to get the account opened back up so they could assist me further was to pay the owed money and then their back end team could assist me once my account reached them. So while my account was transiting to the back end team i made the payment in full under the understanding that when they received my account they could assist in either crediting the account or at least helping to send a letter to the Credit bureau to fix my now abismal credit score.
Consumer complaint received 2023-07-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Please reference XXXX that was closed. 

The credit card was closed and the full payment balance was paid and despite this Wells Fargo placed charges on the card that were not made by me and is now charging me late fees and interest on this fraudulent charge that THEY placed on my card that was closed months before.
Consumer complaint received 2023-03-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (WI)

COMPLAINT AGAINST AMERICAN EXPRESS SERVE My XXXX XXXX autopay was not cancelled like I thought. On XX/XX/2019, {$220.00} was taken out of my AMEX SERVE account. I contacted XXXX and they reversed the payment and sent the money back to my account. 

On XX/XX/2019, the transaction was completed and {$220.00} was posted to my account. Immediately after it was posted to my account AMEX SERVE took the {$220.00} out of my account or put a " hold for review '' on the {$220.00}. SERVE will not tell me why and they claim that they haven't received the money back from XXXX, they only received a notification that a refund was being processed. Which is a lie because It shows in my cometed transactions history the money being added back to my account on XX/XX/2019. I even have the transaction ID #. It also shows the transaction and transaction ID # for the removal of my money placed on hold for review by SERVE. I can not access my own money for 7 days or more. I blew a tire and can not get to work because I dont have MY MONEY to buy a new tire! 

SERVE claims they are not the ones holding my money, they claim it is XXXX bank holding it for review. Even though XXXX reviewed and APRROVED the refund and sent it back on XX/XX/XXXX. SERVE is lying. Its them holding my money not verizon. XXXX reviewed and approved it before they even sent it.
Consumer complaint received 2022-10-03
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 an employee at the Bank of America 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 ) added an unknown person to access and remove money from my checking account. {$30000.00} was stolen by an affiliate of this bank employee who used my stored identification at Bank of America to bypass security checks in their own system. I've been contacting Bank of America about this for weeks now, we're now on day XXXX of the fraud investigation ( which I was originally told would likely be resolved within 10 days ) and the case is still being investigated and the money has not yet been returned. 

The email attachments are the notifications I received about an account being opened in my name. When I contacted the bank, they said they had no record of me opening a new account. Their system was reporting a new person being added to my checking account and sent me an email automatically about this, but there was no indication of that action being taken specifically, the bank fraud team was unable to determine this at the time and the thief was able to later steal the money without BofA being aware.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Collection Bureau, Inc. (OH)

ADVANCED COLLECTION BUREAU never gave me any type of notification to opt out per 15 usc 6802 and 16 CFR 313. In which I'm supposed to be notified every 30 days. Lastly, 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. I am opting out of ADVANCED COLLECTION BUREAU from reporting to XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

On XX/XX/XXXX Radius Global Solutions called me and stated this was an attempt to collect a debt. I said I don't owe anyone. They said I owed {$750.00} to XXXX XXXX XXXX for charges related to phone number XXXX ( a phone number I have never had in my life ) from XXXX in the year XXXX. I informed them this was incorrect. I never had that phone number and I owed no company any debts and that all of my financial affairs are in order and have been preceeding said dates. They did not listen and proceeded to threaten me with a legal referral and report to the credit agencies. At best they said they would send a letter to XXXX XXXX XXXX stating the customer said the charges were fraud but that I would have to call XXXX XXXX XXXX and work that out with them while they report to my credit. I got upset because these charges are not mine and I'm about to by my dream car in 3 months and I can't have anything hit my credit report so I paid the bill in full and told them I would file a law suite ( which I am ) and I would report them to you. 

This debt is not mine. I do not owe XXXX XXXX XXXX {$750.00} from XXXX  for XXXX. I have never had that number in my life all my phone numbers in North Carolina have all began with area code XXXX. Never once area code XXXX. Never. 

After I paid the bill they did not provide any receipt of the transaction. The only gave me a confirmation number which is XXXX They the acct number was XXXX.
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

Fair Collections & Outsourcing is attempting to collect an invalid debt that is not mine from XX/XX/2016 based off of a previous apartment lease. I have tried to dispute this but FCO refuses to validate the debt correctly and claims what they have is sufficient even though there is not sufficient evidence present. XXXX XXXX attempted to collectcharges from me based on the itemized list sent to me for carpet and vinyl replacement 3 months after my lease had already expired and the apartment was already being rented to another tenant. In addition I received no letter from XXXXstating these charges until Fair Collections and Outsourcing sent me the first collection notice. Also, the document that Fair Collections & Outsourcing sent me is a copy of the lease agreement however there is no legal signature present. On the bottom of the document it states it was executed via e-signature however FCO was unable to provide me a copy of the original document with a valid signature.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

On XX/XX/XXXX I received an alert from a credit monitoring system stating I had an account in collections. The account balance was {$1100.00} from MRS BPO LLC. The account was originally from XXXX XXXX XXXX XXXX XXXX. When I spoke with MRS BPO LLC, they requested I submit a payment and I informed them it was a fraudulent account. They stated they would send me a fraud packet to complete via mail but I never received it. I contacted XXXX XXXX XXXX XXXX XXXX and informed them of the fraudulent account but they couldnt provide me with much information due to the account being set up using my social security number and the account requiring a PIN to access it. The XXXX XXXX XXXX XXXX XXXX representative did tell me the account was created in XX/XX/XXXX and they gave me the address the XXXX XXXX service was being provided at.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Pentagon Federal Credit is showing accounts for a Credit Card and Line of Credit as late beginning as far back as XX/XX/XXXX when at that time XXXX XXXX XXXX XXXX. As of XXXX, these accounts should have been closed. Please see discharge letter included with this complaint. These items are showing on all 3 Credit Bureau reports.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (GA)

I purchased a prepaid gift card on XX/XX/XXXX, from XXXX, my local grocery store in the amount of {$230.00}. After registering the gift card, I was scammed. I called the toll-free number, XXXX found on the back of the card, and they explained that they could not speak to me about the card because I wasn't the owner of the card. I explained to them that I purchased the card and have the card in my possession and that's when I discovered someone in Texas was using the card. The customer service agent explained that I needed to file a claim and to submit a copy of the front and back of the actual gift card, my receipt, and a copy of my drivers license to prove that I was the owner of this card. I faxed this information to ( XXXX ) XXXX. I followed up and they informed me that I needed to wait XXXX business days to receive the fax and process this information. I have been following up every since. At first, they said the picture were too small and illegible. I resubmitted a clearer copy of the card and my id. They received it and stated I needed to provide a larger copy of my id. I have faxed it over 4 times and continue to follow up. I feel as if they're giving me the run around now. I faxed the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and the issue is still not resolved.
Consumer complaint received 2023-02-10
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. (MI)

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 XXXX XXXX XXXX. 
XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX  XXXX Inquiry, XXXX : Inquiry, 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 : It also states a consumer reporting agency can not furnish a 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.

I have also spoken to creditors whose agreed to remove said information but to no avail! I have also reported to each credit agency and the creditors that I was apart of the XXXX XXXX breach and that my identity was compromised, used, and found on 86 sites across the dark web and that I have filed identity theft with the fta & cfpb & they still have not corrected these unlawful errors.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — 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/block any items 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 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 XXXX business days after the date of receipt.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WA)

I received a Balance Transfer Promotion for my Citi Mastercard.

Everywhere it state 4.99 % Promotional APR on balance transfers until XX/XX/2024. 

Which is great for today 's interest rate environment. 

Fortunately, I read through it a bit more and noticed there is ALSO a 5 % standard balance transfer fee! 

So, it's not really 4.99 % promotional, but rather 4.99 % APR PLUS an additional 5 % UPFRONT Fee, bringing the loan to cost OVER 10 %! 

That is extremely deceptive. And when I called about it- it was just as confusing speaking with the customer service. I had to hand up and speak with someone else - because they wouldn't be so clear that it was actually a cost over 10 %. They kept saying it was 4.99 %, when I pushed them, seemed there is the ADDITIONAL 5 % charge. 

Unfortunately, i had done an earlier one with them- but think there wasn't the additional fee... just so confusing and deceptive.

I am XXXX XXXX XXXX  XXXX XXXX XXXX. If i'm confused, then clearly most people won't get this. I'm not sure why this is legal and not considered deceptive. Somewhere it should disclose, speak out the total cost. 

-- -- -- -- -- -- - it's also a trap- XXXX once you do the balance transfer, then any new charges are at the full purchase APR, and you have to bring the balance to zero to start paying that new charge. 

Unfortunately, when I did the previous balance transfer and locked my card for further charges - it didn't block recurring charges- even the ones i had changed not to charge- for example, XXXX still charged on that card, even though i changed the CC with them...
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IN)

I am writing to inquire about a possible resolution to the issue I am facing with the wire transfer scam investigation ( XXXX XXXX # : XXXX, scammer 's Citi account XXXX XXXX ). Recently, I fell victim to a wire transfer scam when I wired {$9400.00} from XXXX to Citibank to purchase a watch as a wedding gift from my wife to me. Unfortunately, the seller never sent the watch and disappeared. To confirm that it was a scam, I conducted an email test from a different account. Since then, I have filed an XXXX report, a police report ( XXXX from XXXX, XXXX ), and an FTC report XXXX XXXX ) regarding this incident. 

On XX/XX/XXXX, I made the wire transfer and realized it was a scam. I promptly filed a claim with the XXXX claims department and initiated a recall on XX/XX/XXXX. Since then, Citibank has requested a police report and a hold harmless letter. XXXX provided both the police report ( XX/XX/XXXX ) as well as the hold harmless letter to Citibank ( sent via physical mail on XX/XX/XXXX and via fax on XX/XX/XXXX ). However, Citibank is unable to process a recall as they are unable to contact the beneficiary to return the funds and advised me to contact the beneficiary directly to resolve this matter. I am unsure how I can contact the scammer to recover the funds. 

Even with the cooperation of authorities like the police department and FBI, the inconsistent responses and lack of support from Citibank have added to my frustration and distress. I understand that I made a mistake, as many people do at some point in their lives, and I take responsibility for it. However, I was trying to save as much money as possible, as those funds were intended for our wedding gift. This situation has left me deeply devastated. I have always believed that a reputable bank like Citibank would stand by its customers, not the scammers. I had hoped for assistance in recovering the funds from the scammer 's bank. I implore you to please offer any help in resolving this case and recovering the funds. Thank you for your attention to this matter.
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no account number on file, and 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (VA)

Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company and the account is a business account. I do not have a business or a business account with this company.