davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I really need help. My bank XXXX Bank of America ) isn't helping me. This dispute is about a number of companies- most of whom I personally reached out to. 

A business ( XXXX XXXX ) charged me {$400.00} hours and refused to refund it, though we did NO business. BOA didn't even being speaking to their bank until XX/XX/XXXX ; I reported it to them earlier than this. Its has been going on for almost a month ( 27 days in fact. ) Another business called XXXX or XXXX charged me {$170.00} + {$5.00} ( an international fee ) and refused to refund it. Again, we did NO business. That charge went through on XX/XX/XXXX and has not been refunded. XXXX agreed after I continued to demand a refund on every platform possible ( which I have also done with BOA and XXXX XXXX ) However, when I spoke to BOA they suggested I not remove the request. Why couldn't they then take the evidence I have when approaching the bank to retrieve my funds? BOA is not INTERESTED in retrieving my funds. 

Finally, on XX/XX/XXXX a company ( or two ) charged me for services I did not ask for. Immediately BOA contacts me with a fraud alert ( on that very day ) and I confirm that it is fraud. They change my cards, BUT STILL LET THE CHARGES THROUGH. And now, I am in a potentially 90 day mess of a process with BOA and all of these businesses that have defrauded me. What is the purpose of a bank if they are not protecting me? 

I contacted BOA about everything. I have contacted these businesses. NO ONE IS PROTECTING ME. And all parties involved are requiring me to continue to engage in a daily process of trying to retrieve my own funds and rectify legal violations of my rights. My mental health is declining because of this. 

I have been really diligent in trying to resolve this and at this point, I have no clue what to do : I have even contacted the XXXX no one responded to them. So, what about me? Am I not a human? 

However, I contacted the company and recorded the entire interaction. They agreed to a refund and have been unreachable since. I have attached the evidence. 

Please let me know if there is anything you can do to help me?
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (SC)

On XX/XX/2018, I was issued a loan from XXXX for {$600.00}. To date, I have paid {$620.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. XXXX states I still owe {$160.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$620.00} which has already cleared, to collect another {$160.00} from me would mean XXXX will receive {$790.00} on a {$600.00} loan. This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. I will pay a final payment of {$75.00} on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.
Consumer complaint received 2022-07-11
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)

i went to dealer told me they was only going to XXXX end getting a lot of inquires XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Just checked again today trans union still has not taking off the 2-3 inquiries off my credit report. I did put on a credit freeze and fraud alert on my report they did not block these fraud inquiries at all! XXXX and XXXX did. One online account from trans union is reporting 3 inquiries. This website I can see the companies for the inquiries also when I make a disbut online my inquiries cant be added the the list. Just can edit personal information as in address and phone numbers.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

I filed for bankruptcy in XX/XX/19 I exempted by car loan and have made regular payments. Toyota Financial Services has cashed by checks and admits that the payments have been made. However, it reported to the credit bureaus that the loan was discharged. It was not and as the company has accepted by payments, it is illogical to state that the loan has been discharged as I have not defaulted on the loan. If I ever do, then Toyota Financial Services can report the discharge. It can not anticipate a default.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I went into a Bank of America Branch in XXXX, XXXX  and reported my card missing and had my card closed and was issued a temporary card. I started using my temporary card right away and didn't know my card that I was told was inactive/closed was still being used as well. While I was living in XXXX and have proof of me not being in the areas of my stolen card being used. The total amount was XXXX that I deserve to be credited as I went in and closed the card before any of these transactions had happened. They are telling me I might of given my card to someone but that makes zero sense since I went in and closed the card right away before any of the transactions even happened. I have plenty of bank statements anything that needs to be supported. If this doesn't get resolved now the next step will a lawsuit.
Consumer complaint received 2023-03-21
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (AR)

My student loan servicer is FedLoan Servicing. I am enrolled in an income driven/based repayment plan and XXXX XXXX XXXX XXXX XXXX XXXX I submitted my XXXX  request on XX/XX/XXXX and my repayement recalculation/monthly payment letter was received on XX/XX/XXXX and was calculated at {$900.00}. My wife and I are both enrolled in XXXX and XXXX plans. She found out that on XX/XX/XXXX her pay would be dropped by 20 %. We have XXXX children in daycare. On XX/XX/XXXX I submitted the paperwork to have my monthly payment recalculated as our total income had gone down and we both have student loan payments each month. On XX/XX/XXXX I received my recalculation letter and payment had infact went up to {$1300.00}. The following day XX/XX/XXXX I received another recalculation letter stating my monthly payment had gone up again to {$1400.00}. The same day ( XX/XX/XXXX ) I again submitted my paperwork to have my monthly payment recalculated because clearly mistakes were being made. On XX/XX/XXXX I received an e-mail notification that my recalculation request had been denied, but they would send a letter detailing why my request had been denied. This is the second time I've had to file a complaint against FedLoan Servicing due to mismanagement, poor communication, and for all around being a terrible loan servicer.
Consumer complaint received 2022-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (DE)

I received a statement from Truist ( brand name for merger of Suntrust & BB & T ) dated XX/XX/XXXX for an auto loan I had with Suntrust. 

1.Customer Service gave me a phone number that is located in XXXX XXXX XXXX I think the service number I called ( XXXX or XXXXthat was the number in my coupon book ) went to a scammer. 

2.Balance is incorrect. There is a discrepancy of {XXXX}. I only want to owe what I signed up for before the merger. 

The " Previous Statement Balance '' on the first statement I received from Truist does not match the outstanding balance in the loan transaction history listed on the second page of the statement. 
The transaction history indicates the outstanding balance on my car loan to be {XXXX}. This was confirmed per my call to Suntrust automated help line on XX/XX/XXXX at approximately XXXX. The Truist statement indicates a balance of {XXXX} which is incorrect or is due to them charging fees that were never disclosed. 
3. My loan number was changed which does not follow online information regarding the merger.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.
Consumer complaint received 2023-03-17
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AMCOL which was received on XX/XX/XXXX at XXXX. The letter an affidavit was sent requesting proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. AMCOL Systems also has failed to provide and Health and Portability Act release form or ( HIPPA ) pertaining to this matter AMCOL Systems has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of AMCOL Systems. AMCOL Systems is in violation of the fair debt collection practice by continuing to  report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I received calls after calls in the last 30days : and today I received two Threatening letters from " radius '' Radius Global Solution LLC Formerly XXXX XXXX XXXX on an account that has been Resolved Through total deniability and 10 years of continued Disputes with all three Credit bureaus and 5 Collection companies and their attorneys and the alleged Creditor XXXX XXXX on an alleged account that was open back in XX/XX/XXXX/XX/XX/XXXX by my employer at the time and all bills paid by them and account was closed by them- I never open an account with XXXX XXXX myself. these fraudulent collection companies have been Breaking Fed-fair credit reporting laws on this Fraudulent account and attacking me financially through credit reporting and harassing phone calls and mailers- This account was sold to this Collection company Radius Global Solution LLC By XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX- as this have been order to not to contact me Every again : This is how fraudulent this account is the they say the Original Account # is XXXX and Radius Global Solution LLC Ref # XXXX I will be also be referring this to the FBI and the XXXX  XXXX from every state that I have recv-called from and Mail-
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Hello I am reporting fraudulent collections and harassment. 
My personal information is being fraudulently used, I am being constantly harassed and billed from collection agencies with medical debt that's not mine. When contact the companies at the number provided on the report they are numbers that are no longer in service. AARGON collection agency constantly put collections on my report with different prices and account numbers and after having them removed they add more to my report. 

XXXX XXXX keeps adding debt to my report that isn't mine I had the fraudulent collections removed and they added new ones fraud collections I contact them on the number provided and it says it no longer in service XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX ( XXXX ) XXXX also XXXX XXXX XXXX XXXX collections that aren't mine keep harrassing me and wanting to collect a debt that isn't mine. someone I using my information.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AR)

I sent a certified letter to XXXX XXXX XXXX which was received in XX/XX/2018. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled having an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (GA)

State Farm Bank refuses to provide me with proof that my rights have not been violated. I will not be paying for something that I did not open nor authorized. This is a fraudulent account which needs to be deleted, removed and blocked from my XXXX credit report. I spoke to someone last month and she was supposed to have sent me a letter on steps that I need to take in order to get this matter resolved but I never received any correspondence on how to delete and remove this account.
Consumer complaint received 2022-03-30
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: HUNTINGTON NATIONAL BANK, THE (KY)

Huntington Bank Credit Card Account number ending in XXXX - cardmember is an authorized user Dispute case reference number XXXX Transaction on XX/XX/2022 for {$110.00} with merchant XXXX flight cancelled no refund provided. 
Unable to resolve with merchant Disputed transaction with Huntington Sent documentation to support claim. 
Huntington says they didn't get the documentation Denied claim Huntington is engaging in unfair and deceptive practices. 
Pretends they did not receive the documentation I sent so they could decline the claim. 
Tried to call Huntington- has 45 minute to 1 hour wait time - making it impossible to speak with a representative to discuss.
Consumer complaint received 2018-11-06
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX  XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXX Original Creditor : XXXX ) XXXX
Consumer complaint received 2018-11-06
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with Experian on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

On XX/XX/XXXX, at approx. XXXX EST, I received a phone call from XXXX -- an employee of Paramount Recovery Services . The employee would not give her name. She stated I had a medical debt from XX/XX/XXXX and I needed to verify my personal information. I told her I was not comfortable giving her my personal information ; however, somehow she knew my personal information, including the last four digital of  my SSN. I immediately hung up the phone as I do not have an outstanding medical bill and my credit report does not reflect this six year debt they claim I have.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5100.00} XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.