davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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 (CA)

I was charged from the XXXX XXXX FL on my Bank of America credit card from XX/XX/XXXX, including monthly charge while I was out of country till I came back on XX/XX/XXXX, total amount of {$410.00}. After I came back to the States, saw my bank statement, immediately I reported to BofA this fraud charges and changed my cc number. But BofA denial my dispute for unfair reason " while you personally didn't make the charge, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' I asked BofA many times to send me proves but so far, no respond. 

I believe this is cyber fraud charges : First, I have never authorized XXXX to charge on my CC. 2nd there is no other authorized user on this cc card. 3rd no one has any permission to use this card. I tried to call the XXXX, 1st time they asked my name and the last four digits of my card, they couldn't find any of my information. 2nd time I called again, too weird that they had my name and the last four digits of my card number, but they don't have my email info, asked me write to their customer support. But the XXXX customer support replied : '' I need to dispute must have my financial insinuation call our Billing Dept. If you are requesting a file a dispute, we must have you and them on the line to discuss the account. '' but my CC co refused to do so. I even faxed over all the documents to BofA CC dept. proved that I was out of country in XXXX for over a year, never see my CC statements, didn't realized there were fraud charges on my card. BofA CC fraud department knows I was out of country, even stopped my CC, but after I called in few times to verified, the representatives never verified nor told me there were charges from the XXXX, and still allow charges went through on my CC every month. BofA CC should be responsible for this fraud charge and refund me total of {$410.00}, if BofA changed my CC number after they put stop on my cc for my protection, this fraud charges can be avoiding long ago. 

I tried to reach BofA manager or anyone I can file compliant, but no one is helping so far. The BofA should take seriously pay closely attention to protect customer who are oversea instead of just giving perfunctory reasons, doing nothing to protect customer who is using BofA card for over 20 years.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (PA)

TD bank credit Cash card credit limit was decreased on me unexpectedly. I have been having so many issues with TD Bank 's credit cards. I have been a loyal customer since TD Bank was XXXX XXXX. I have always paid my card on time also and have had decent credit. 

On XX/XX/XXXX TD Bank sent a letter to me stating that they are decreasing my credit limit by thousands of dollars. To make it worse, they Closed it the same day as the they sent the letter, not giving me any time to respond to it without them already lowering my limit! I didn't receive the letter until XX/XX/XXXX! 

This is not the first time TD decreased or messed with my credit limits. They cancelled a card a few months ago and I had to make a complaint with you guys. Then they admitted their fault and fixed it. Again, they are trying to hurt me. Instead of canceling the card this time, they think they can get away with lowering my limit unexpectedly, without notice or opportunity to respond. 

This is completely not fair and again I am requesting you investigate TD Bank Credit Card services. I want my credit limit back and not only back but increased since I have asked for increased limited before and or line of credit and was denied. Again I have NEVER been late with payments.. They make money off interest from me.. Makes no sense and is not fair and fraudulent in my mind as to what they do. I hope you can help me. Thank you for your time again.
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (VA)

XXXX I had a payment due for approximately XXXX, I normally pay online. I was locked out of my online account when trying to pay. I later logged in and scheduled two payments last one was withdrawn XXXX. Next payment is due XXXX. My account was not even 30 days late and they were calling every day while I was at work and calling my job. I never had a chance to call them back to find out why they were calling like my account was months pass due. I then got a letter in the mail dated XX/XX/XXXX demanding the full payment of the loan in 15 days and being threatened with court. I will never borrow money from this place again and my loan amount is even incorrect because they added an additional cost that I did not authorize and I request to be removed. I will be filing a complaint for abusive and illegal collection practices and collection of unauthorized charges on a loan document.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I filed BK Chapter 7 and added XXXX XXXX into Chapter 7. I received my discharged letter from the courts. XXXX XXXX is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear XXXX XXXX XXXX : XXXX XXXX is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by XXXX and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : 7. For some reason it was then changed back to an amount owed as $ XXXX/ 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

Account Type : LEASE Account Number : XXXX  My payment due date is on the XX/XX/XXXX of each month. My payment for XX/XX/2018 was not past 30 days late.

My payment was made on XX/XX/2018. Please see attached proof of payment history.

Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ID)

Im a victim of identity theft going back to 2018 which I was insured through Experian. I have an open claim with XXXX their insurance company who handles identity theft claims once they are deemed valid. Ive now had someone file taxes in my name I e called Experian trying to get things removed and frozen they have refused to let me talk to a supervisor or help in any way even though I was insured for XXXX XXXX dollars Ive spent hundreds and thousands of dollars since 2018 trying to clear this up with no reimbursement from them. To make matters worse I received a threatening letter from them today accusing me of never filing a police report which Ive filed XXXX and every time I tried to upload it to their attached email they provided it never went through. I called and again was transferred over 8 times with no help, I have all of this recorded and will upload all of my documents. This company needs to be held accountable for false advertising, you are not insured for XXXX XXXX dollars much less XXXX. They will not help you when your identity is stolen and when you call to get help they will transfer you until they close so no one has to deal with the problem. I have all this recorded which I did let them know I was recording the call.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc. (MO)

I contacted this agency regarding a collection account. I was advised the balance is lower than stated on my credit report. I verified information to send a debt validation letter as well as information about the debt owed. I was treated very rudely by the CSR. I asked when the last attempt to contact me by phone or mail was and the agent refused to answer saying that I made him uncomfortable. I was not angry with the agent. I was asking questions about the difference in balance and was going to ask what the options were for the account but was told I was asking too many questions and just sent in documents and I was dealing into private information when I was not, I offered to verify any info needed and that I am well trained in Hipaa, CPNI and proprietary information, and he ignored my requests.
Consumer complaint received 2022-09-15
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. (IL)

On the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXX, XXXX, XXXX 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.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (FL)

My interest is 9.99 % yearly for a total amount of {$6900.00} through Castle Credit. My statements show that I am paying more than 10 % in interest. Please see below. I show two different amounts for the interest charge in my statements. I spoke with Castle Credit but they were unable to clarify. Every statement since I open the account in XX/XX/2022 show different and incorrect amounts of interest charged. In XX/XX/2022, Castle Credit charged {$88.00} in interest and only {$2.00} was applied to my principal debt. 

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 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

Experian automated attendant starts the identity identification process and after answering the questions disconnects the call. 

There appears to be no other way to contact Experian to temporarily remove a credit freeze.
Consumer complaint received 2019-07-13
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. (GA)

I have called and spoke with all three Credit Bureaus XXXX, Equifax, and XXXX   about XXXX XXXX, XXXX XXXX, XXXX XXXX and Milestone credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX Bank was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that EXXXX, Equifax, and XXXX  is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged stage as the accounts are now discharged.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OK)

XX/XX/XXXX at XXXXXXXX XXXX I tried to withdraw {$800.00} from an ATM using my Cash App Debit card. The transaction was canceled, and no money was received, but the money was taken out of my account. I was trying to take the money out to pay truck payment and my family 's home electric. I've disputed the issue with cash app and have been working with the bank which the atm error occurred, XXXX XXXX XXXX XXXX XXXX XXXX XXXX received the dispute from Cash App, XXXX XXXX sent the dispute to their dispute department, where their dispute department accepted the dispute and sent it back to Cash App. Cash app continues to deny my disputes even with proper evidence to support my claim. The past few weeks have been a severe struggle not having that money to pay for truck, electric, fuel, and food. Cash App representatives continue to disconnect the line middle of conversation. The only update they give me is that its processing in a different department. They can't connect me to that department and the cant even send a note to my claim to that department to attempt to fast track my claim, so my family is hurting anymore. I believe that Cash App has unethical ways of doing their services and support. I am not the only one to have experienced this with Cash App and most people give up and don't ever see their money. Cash App representative 's do not care to help. I am a XXXX  veteran that should not have to stress on whether I will see my money again cause a large corporation has a hold of it and are not willing to do some work and get it straightened out. I am a very upset American XXXX veteran.
Consumer complaint received 2019-05-04
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Premier Student Loan Center (TX)

In XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX requesting information to see if I qualify for Income Driven Loan Repament of my student loan. I provided them with my information and they told me I was approved. Several emails were exchanged including documents regarding the repayment. I asked if I needed to contact XXXX and they said no, they would contact them. Additional emails were exchanged regarding repayment amounts, etc. On XX/XX/XXXX, I called XXXX to update my back account information. They said they have not heard from XXXX XXXX XXXX  XXXX or any such company on my behalf regarding my student loan. The operator at XXXX suggested I contact your company as it sounds like a fraudulent company. I ceased making my student loan payments to XXXX as they required and made monthly payment of {$190.00} to XXXX XXXX XXXX  XXXX. My student loan was not delinquent when this started as I was not having trouble paying it back. Please let me know what additional information you need from me as in emails I can forward, etc.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 I called XXXX XXXX XXXX for a quote on an inspection and report. She quoted me {$900.00} and recommended a lab test for me at {$590.00}. She said to make an appointment I needed to authorize a {$50.00} deposit on my credit/ATM card. During that day she called me repeatedly while I was working then texted to seek confirmation that the inspection would be the following day and to send the lab test. I texted back I would call her. She immediately texted back confirming the appointment and the tests being sent. I responded I needed time to consider and she responded it was too late the tests had gone out and everything was non refundable. They offered a discount and I refused. I contacted the lab they ordered the test from and told them to cancel which they confirmed they did. The lab test never got sent to me. XXXX XXXX XXXX lied that the tests went out and kept the money. On XX/XX/2024 they charged my card for each charge ( XXXX total, {$50.00}, {$850.00} and {$590.00} ). I disputed with Wells Fargo and they denied it.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2023 I received a wire request from what appeared to be my real estate attorney 's office for funds due on a closing. It was fraudulent. Once I realized what had happened about 48 hours later I went straight into my local Wells Fargo branch office and explained what had happened, showed the girl all the paper work even showing what bank account to which the money went. They launched an 'investigation ' but have offered no updates and when I call about every two weeks to check on it I just get told that it is still under investigation and no guarantee I will get my money back. This was over {$6000.00} that I lost. My bank is doing NOTHING to help resolve this.
Consumer complaint received 2023-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hauge Associates, Inc. (CO)

To Whom It May Concern : I was notified by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2022 that account number XXXX when into collections with a company named XXXX XXXX XXXX regarding an alleged debt. I have reason to believe I do not own this debt, because of the events that lead-up to the debt. Due to the mishandling, inputting of wrong information and losing my paperwork by the employee that worked for the Social Security office at XXXX XXXX XXXX XXXX XXXX XXXX, CO by ( XXXX XXXX ). XXXX XXXX, another employee that works at the same office, informed me that XXXX had input my information wrong and lost my documentation ( Request for Employment Information, Application for Enrollment in Medicare Part B ). XXXX XXXX no longer works at the Social Security office in XXXX, CO. I have been without my Medicare Part B for eight months. Due to the negligence of the employee at the Social Security office. I have reason to believe I do not own this debt or any debts, because of not having my Medicare Part B. Due to the mishandling of my documentation by the Social Security office, I must refile my paper work and this is going to take more time. I request all the following information be provided to me by mail. The amount of the debt. The full name and mailing adderss of the original creditor for the debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. If you continue attempting to collect on this debt or seek judgment for payment of debt without written versification you will be in violation of the Fair debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by the state law of Colorado.
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

I have recently checked my credit and discovered a fraudulent collection account is reporting in my credit report. I am a victim of identity theft and XXXX XXXX XXXX ( ACCOUNT NO : XXXX, ORIGINAL CREDITOR : XXXX XXXX ) ACCOUNT is a fraudulent account. I have no knowledge who opened this account because I have never let anyone to use my personal information to open any account for any purposes. Please help me to resolve this problem.
Consumer complaint received 2022-08-28
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. (NJ)

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX.