davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

I was charged twice for a particular product at {$95.00} in which I did not authorize. The duplicate charge was a grand total of {$190.00}. Through an ad in XXXX in XX/XX/2019, I paid {$4.00} to XXXX XXXX in regards to a trial run for XXXX XXXX purposes. There was no indication in the trial offer that I would eventually be charged a subsequent amount of {$95.00}. This was a trial run only at {$4.00} with no other indication of additional costs. Approximately 3 months later on XX/XX/2019, a charge of {$95.00} hit my bank account. I then immediately called XXXX XXXX to inquire why was I being charged this amount when it was clearly indicated that the initial cost was a trial run cost only at {$4.00}. Their explanation to me was the first payment of {$4.00} was the cost of shipping only, whereas the actual cost of the product was waived to a later date. This explanation and scenario was not indicated in the trial run offer. In the meantime, three days later on XX/XX/2019, the full charge of {$95.00} hit my account again. So not only was I charged the full amount of {$95.00}, I was charged for that amount twice within 3 days. 
From that point, I called my bank, US Bank to dispute both subsequent charges of {$95.00}. On XX/XX/2019, I faxed to them the explanation of the occurrences, but the bank claimed after two attempts that they never received my faxes. They did however receive my 3rd fax on XX/XX/2019. This brings me to where I am today. My request to the bank is to have the duplicate charges reversed and refunded to my bank account, and also impose a reprimand on XXXX XXXX for their dishonesty.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (HI)

On XX/XX/XXXX when shopping at Macy 's my purchase was charged to the account number XXXX. I have never received a card with this account number, this is not my account. My Macy 's credit account is XXXX, which I pay online, promptly, always. 
On XX/XX/XXXX I began receiving Macy 's Account Statements and phone calls regarding Act # XXXX being past due. I responded by calling the customer service # XXXX to get my original charge applied to my Act # XXXX, have the past due charge removed, and have my name removed from this Act # XXXX that is not mine. I refused to make a phone payment as when I had done so in the past the phone payment was not applied to my Act # XXXX. 
On XXXX, XXXX I received a letter from the Citi Card, for Department Store Nat'l Bank collections recovery. I called and submitted a written explanation of the circumstances regarding Act # XXXX, only to receive another letter from the Citi Card, for Department Store Nat'l Bank collections recovery XX/XX/XXXX and again XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX regarding Act # XXXX and began a series of call and correspondence with them. On XXXX/XXXX/XXXX I paid the undisputed amount of {$410.00} through XXXX. On XXXX/XXXX/XXXX Macy 's recalled the dispute and I have continue phone and correspondance every 2 - 4 weeks with the response from them always being it will take 15 days, 30 days, or 60 days for them to review the dispute.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 my bank account was placed on levy for a credit card debt with a case action in XXXX, Virginia. Previous notice was sent to an address in XXXX XXXX, Virginia which I never received. The case in XXXX XXXX, Virginia was dismissed. I did not receive notice of this case in XXXX, Virginia until XX/XX/2023. I was provided a judges order in XXXX, Virginia that was placed inside the door of my residence on XX/XX/2023. My due process rights were violated and a levy was placed on my XXXX XXXXXXXX bank account with no notice of hearing.
Consumer complaint received 2024-03-04
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5400.00} US DEPT ED XXXX Balance Owed : {$7400.00XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. This is the third time I try this with this company. I had my document notarized through an online notary in the state of Texas. Company claims I have to go in person as its not valid without a certificate. I have contacted the notary and was notified a notary seal OR a certificate is required to be valid. The notary seal is on my document. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody. 
I am also attaching my filed police report this time. 

What else could they possibly need. You have my ID which shows a different signature then the documents on that lease. You have my signed affidavit. AND now you have my filed police report. Remove this from my credit reports
Consumer complaint received 2018-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

On XX/XX/2017, I sent XXXX XXXX an email about sending Bitcoin Cash ( BCH ) to a Bitcoin address ( BTC ). 

I thought I was sending to a BCH address but it was a BTC address all along. Usually when these things happen, the company has access to the private key of the address. I emailed XXXX and asked if they had access to retrieving my funds and they confirmed that they could, but it would take a " maximum of 90 days. '' I waited 90 days, then 100, then 130, all the while emailing them and asking them the status of my retrieval. They have given me excuse after excuse as to why they haven't found the time ( this retrieval would honestly take 5 minutes using even a mildly competent developer ).

It has now been about 200 days since I've first opened my support ticket. I've sent over 50 emails to them, they've responded to many. But it's now been 30 days since I emailed them asking about my funds and they have since stopped responding completely.

The total value of these funds were at one point XXXX. They have now dropped to about XXXX. I'm fine with that but I just want my funds back. This is ridiculous. 

This situation has brought me to tears because these funds could completely eliminate my student loan debt - I've told them - and they are non-compliant with my request.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed a dispute with Bank of America and the credit bureaus, I have never had a credit card with bank of America. Also how did a credit card with a XXXX limit end up being over {$6300.00}? This is not my account and was opened and used in id theft.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Consumer complaint received 2019-06-20
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 (LA)

Bank of America do not want to credit my account from XXXX XXXX XXXX XXXX.They awarded me the credit then reverse it. This was a one time purchase practice test for my son on XXXX XXXX XXXX XXXX for a test he was schedule to have in XXXX of 2018. I noticed on my billing statement for XXXX a purchase for XXXX from XXXX XXXX XXXX XXXX. I contacted my credit card company ( Bank of America ) and discuss this charged with them. When speaking with one of representative, I then found out that a past charged from XXXX was on my past billing cycle from XXXX XXXX XXXX XXXX. After speaking with one of the their representative the matter was not resolve. I proceeded to contact Bank of America and started a claim. Bank of America later sent me a corresponding reaching out through a letter disputing the matter. The second corresponding letter was to inform me the dispute was resolved and they are glad to inform me the credit was issue back on my monthly statement. I later got a letter stating they reverse the charge and advise me to continue to pay XXXX XXXX XXXX XXXX. I have been contacting the credit card company on this matter since XXXX. I been getting the run around with this matter from faxing, and mailing my proof of documents. To the case been close, to them reopen my status.They also mention that I cancel my card so the XXXX can stop shown up on my account. Now they are saying with me calling since XXXX and giving them the proof my case is close But I can send my proof again but it not going to help the statue will remain the same
Consumer complaint received 2019-06-20
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: EQUIFAX, INC. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-04-28
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. (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. 

XXXXXX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

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

15 USC 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 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I kept getting alerts from my credit report saying there was past due payments on two different bank of america credit cards. When I went to look there was two credit cards opened up in XX/XX/XXXX and XX/XX/XXXX. It looks like XX/XX/XXXX is when those " payments '' fell behind and I am now being notified. I had a bank of america bank account that has been closed in either XXXX or XXXX and I have not had any credit cards with that company since.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-06-20
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. (OH)

I have some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX   # XXXX. this account should be deleted ASAP it is not right.
Consumer complaint received 2019-06-20
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 have some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX # XXXX. this account should be deleted ASAP it is not right.
Consumer complaint received 2022-11-16
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: National Credit Adjusters, LLC (VA)

I am not liable nor do I have any ties to the company National Credit XXXX XXXX. I have asked for Orignal application and the have not provided it to me. I have been harrassed by this company through phones calls. 

They have violated my rights according to 15 U. S. Code 1681 section 602 A. States i have a right to privacy.

They have harraseb me by calling from different phone numbers. According to 15U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XX/XX/2021 I got with a company called seek XXXX that said theyd get me a business loan for XXXX liquid and all they did was apply for a bunch of personal credit cards. And didnt get close to XXXX. Now my credit score has dropped and I have too many hard inquiries, Im not able to buy any real estate and grow my business. 

I read reviews after I noticed they werent doing what they said and seek XXXX has been tricking a lot of people. 

I paid {$1500.00} for them to ruin my credit
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have received 7 calls in the last month from different numbers that belong to Midland credit. I have never been in debt. There is no reason for them to have my information or for them to call me. Every time I block their number they call from a different one.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

This is 2nd complaint against Santander. Been trying since XX/XX/XXXX to fix this mess. They have refused to co-operate with our continued efforts to fix mess they made with our escrow account. Blaming town, me, everyone but themselves. They made tax payments, took $ $ out of our account, then charged us additional $ $ saying taxes were outstanding. They pay the taxes, why are they outstanding? We are being charged extra {$580.00}. Have tried to cancel escrow, they will not do without us paying extra fees, claims it is in our contract and that we got .25 % less of a rate for them doing the escrow. However, our mortgage was done under HARP so that is a lie. They refuse to send me proof or that we signed anything to this effect. Refuse to send me copies of cancelled checks for taxes paid to town. They paid our taxes for XX/XX/XXXX and took XXXX out on XX/XX/XXXX. in XX/XX/XXXX the took out XXXX saying it was outstanding taxes for the above payment when none was due. Was told onXX/XX/XXXXby XXXX XXXX - their XXXX tax dept - that it was an overpayment and that in 24-48 hours we would get $ $ back into account, and ok for us to pay P & I pending reimbursement. $ not back in our account. Sent cert. letter to tell them to stop paying taxes, they ignored and paid our XX/XX/XXXX tax against our wishes. Refuse to reimburse the $ $ they took out. Where is this money???? We paid our XX/XX/XXXX mortgage at bank, principal and interest and XXXX arrears in escrow, pending the reimbursement of {$580.00}. However, now getting collection calls that our mortgage overdue, illegally charging us late fees, and even though our receipt says it is for P & I, they are refusing to credit our account. They are making collection calls and sending letters that we have not paid our mortgage when we have the proof we did, and we are not behind.
Consumer complaint received 2019-06-20
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. (GA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Consumer complaint received 2019-06-20
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. (GA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.