davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
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 (MA)

On XX/XX/2018 my wife and I went to XXXX XXXX XXXX # XXXX in XXXX MA to purchase two car seats during their going out of business sale. One was more expensive than the other. We paid with a Bank of America debit card. This transaction was for {$100.00}. 

When we returned home, my wife noticed that we were overcharged by {$8.00}, and she noticed that the cashier had scanned the more expensive seat twice, probably thinking they were the same. She returned to the store to explain the situation, and the cashier explained that due to their bankrupcy no refunds or exchanges were possible, however the manager said the only way to do this was to " post-void '' the transaction and re-ring it for the right amount ; {$99.00}, which was done. 

A few weeks later when reconciling our statement, we noticed that both charges were still there, and our account was {$100.00} short. By this point the store was closed and there was no way to get help from the retailer, as XXXX XXXX XXXX was gone. So called Bank of America and explained the situation. They put in a dispute for us, and gave us a temporary credit of XXXX. A few weeks later the credit was revoked suddenly ( putting our account negative ) and a letter was sent saying that our dispute was denied. Over the next few weeks we faxed receipt, re-opened the dispute several times ( they kept closing it, claiming they didn't receive our faxes even though we sent them from Bank of America branches with employee assistance ) and provided a scan of the void transaction receipt the manager gave us. The Bank of America lawyers state that because my wife signed the first receipt for XXXX the charge is legal, and the post-void doesn't mean anything. They also told me that technically no transaction could ever be post voided, and XXXX XXXX ' XXXX, knowing this, effectively stole from us. I questioned if, that being the case, Bank of America would stand by us, and they said the lawyers have tied their hands to help, and I had to accept the loss.

At the end of the day we paid for 4 car seats but only received 2. We allowed the second charge in good faith that the first one was post voided, per the receipt we received. If XXXX XXXX ' XXXX had provided us with 4 car seats, why would they have presented that post void? Bank of America has copies of all this documentation, but I can provided them again on demand. 

If the first charge stands, due to some odd legal loophole ( even though I did not received the goods described ) then the second one is fraud because I did not receive any merchandise at all. 

Thanks for anything you can do.
Consumer complaint received 2018-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: National Credit Adjusters, LLC (IL)

I got a payday loan through the XXXX XXXX in XXXX Illinois in XX/XX/XXXX/XX/XX/XXXX. I paid the amount due and paid the entire loan off in XX/XX/XXXX in the amount of {$220.00} and was told there was no balance due. I now have it on my credit report for {$220.00} in debt because they never credited my account that it was paid. I am upset that this is still on my credit report even though it has been paid off entirely.
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBA of GA, Inc. (GA)

Dear CBA OF GA INCE After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in {$490.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

On XX/XX/2016, this debt for {$2300.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2018-06-25
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. (TX)

I sent XXXX XXXXXXXX XXXX, The furnisher of the information and I requested that they conduct a investigation for for these items in question under FCRA Sec. 623. This accounts was charged off but still was reporting balances on both. I sent the letters off dated XX/XX/2018 requesting this info. Since, that time I have received a numerous replies, that has been filed. Now, as of XX/XX/2018, I received a letter stating " you did not indicate what specific information I was disputing '' and to contact the reporting agencies about these accounts.
Consumer complaint received 2023-06-13
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX  XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXXXXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 15 USC 1681.

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 XXXX 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.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (OH)

On XX/XX/2022, I receive a call ( XXXX, caller id ) from Sunrise Credit Services , Inc. stating that I owed XXXX {$110.00}, and they are now responsible for collecting the debt. I believe the number is a false caller ID. This is my first knowledge of the debt. On XX/XX/2022, I receive a call from the same caller ID, XXXX. An automated message describes the company name as Sunrise Credit Services , Inc. ; no address or phone number. A male voice identifies himself as XXXX XXXX, but refuses to provide me the company name, address, or phone number. XXXX XXXX claims that the call is being recorded. The caller then hangs up. 

I believe when I asked XXXX XXXX for his company name, address, and phone number, he had to provide that information to me, and not hang up.
Consumer complaint received 2020-12-16
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. (TX)

These account on my credit report are misleading and false. XXXX, equifax and XXXX  has a closed and derogatory accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, and state of XXXX. These account are all violations of the FCRA. They havent been validated and should be removed from my report. They also sent me letter with there logo stating that I owe a debt which is against the law stated in 15 U.S.Code 1692b. This results in a {$1000.00} fine. An because your attempting to collect a debt that is against the low stated in 15 U.S. Code 1681b. You can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Also in 15 U.S.Code 1692b no debt collector can state that such consumer owes any debt. These are all {$1000.00} fines. Reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. The congress also stated that any authorization or approval of specific extension credit indirectly should be excluded from your credit report. Also during your investigation into these accounts did you conduct personal interviews with any of my neighbors, family or associates? A consumer has the right to privacy and you sending three letter is a violation of my privacy. Congress states that the definition of credit card is also your social security number. So any closed or unauthorized account thats on my credit report should be removed.
Consumer complaint received 2018-08-04
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. (TX)

XXXX, XXXX AND TRANSUNION HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I dont recognize any of this credit inquiries 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 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I received a check from my homeowners insurance for a roof replacement. The check was forwarded to Select Portfolio Servicing , Inc. in XXXX XXXX XXXX, UT for their endorsement. When the check was not returned in a timely manner, I submitted a complaint. The check was received a few days later, however, I received a phone call from SPS stating that the call was an attempt to collect on a debt. I have never been late on my mortgage payment in the 14 years I have owned my home. The caller then stated he was trying to get updated information. I complained to SPS via their ombudsman about the phone call and received a letter ( attached ) that addressed the check, which was handled. As to the communication problem, there was no verification that I was not late on any payment and, further, that I had a payment due XX/XX/XXXX and I should contact the company. Page two ends with the statement that the letter is an attempt to collect on a debt. I feel that SPS is making an attempt to commit fraud and take my house in a foreclosure. Clearly, I am being harassed by them and believe I should begin legal action to protect my property.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (NY)

Willl by law the validated my rights so by credit act I have the rights to disputes the Credit card if they are wrong end accurati hope you delete our dispute all they account are in my report ok
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

Our mortgage payments are due before the XX/XX/XXXX of the month, after the XX/XX/XXXX late fees will occur. We made our payment on a Friday 4 days before the late fee would incur. We always make our payments on the Fridays of Paydays and our payment is usually processed out of our accounts the following Monday. Monday came and went and the payment had not been processed from our account. We received a confirmation email confirming our payment had been made to the account number with the last 4 of our banking account number. Tuesday came and went and our payment still had not processed out of our bank account. I went to our online portal ( which we pay {$5.00} every online payment for convenience fees ) to see our payment showed on their system and our next payment wasn't due until XX/XX/XXXX. Friday XX/XX/XXXX arrives and we received an email stating we were late on our account. We were informed that the bank account number was incorrect and our payment was reversed on XX/XX/XXXX and we were going to be penalized by a {$35.00} late fee. After reviewing their website I feel that I have been entrapped by their online system. Their payment method does not allow you to save your bank account information for easy payments, you must enter it manually every time you make a payment. So when you go to make your payment you are asked to input your bank routing number, confirm your bank routing number, bank account number, and confirm your bank account number. While inputing your information no error codes are given if you type two different numbers or if you leave a number off. For example if you input Account number : XXXX, Confirm Account number : XXXX or Account number : XXXX, Confirm Account number : XXXX and the Account number doesn't match with the Confirm Account number no error messages are thrown to inform you of the error. When we received our confirmation email the last four of our Bank Account number matched our Bank information, so by not receiving and error message we did not know our bank account information was incorrect. XXXX XXXX XXXX XXXX could not confirm which way/ how our account information was wrong but just kept stating it was our fault that the information was inputted incorrectly. XXXX XXXX XXXX XXXX would not remove the late fee unless we wanted to use our One Time Customer Waiver to have it removed as they felt their website was not at fault. As a costumer who uses multiple online websites to make payments, as anyone else in this day and age most other companies either allow you to save your Bank Account information for easy payments or at least inform you that an error was made while inputing your information. I pay online payment convenience fees to be subjectified to the entrapment of their website.
Consumer complaint received 2023-01-29
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: JPMORGAN CHASE & CO. (CA)

I booked a trip through the XXXX XXXX XXXX for the new years. The trip was purchased using my chase credit card, I chose a flight to XXXX XXXX, XXXX XXXX with XXXX XXXX on XXXX. The trip included a hotel stay and rental car for {$3600.00}. I was told by XXXX XXXX 4 weeks later that my return flight would be changed XXXX miles out of my way. I told them this was unacceptable and they could cancel my trip. I also contacted XXXX travel and told them that my flight had been switched and would not accept that flight or trip. Ths is an example of bait and switch when you offer a consumer a product ( flight and trip ) to your satisfaction but they change plans later. I notified my credit card company chase and disputed charges 3 weeks before the departure date. They responded 6 weeks later and said charges were valid because I did not cancel my flight to their guidelines. I was charged {$3600.00} for a trip that I didnt not accept or take.. i notified all parties 3 weeks before the trip departed.
Consumer complaint received 2022-03-08
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX, I purchased airline tickets on XXXX XXXX XXXX ( XXXX ) ( XXXX, XXXX to XXXX XXXXXXXX, XXXX, round trip ) through XXXX and charged {$4200.00} to my credit card. This amount was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me our flight was cancelled due to Covid-19. The email provided a link to use to apply for a refund of our tickets price. I completed and submitted the refund request on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me I must request my refund from the issuing travel agent. The travel agent has refused to provide any refund or assist us in any way. 
On XX/XX/XXXX, I filed a complaint with Synchrony Bank telling them the airline cancelled the flight and the airline and travel agent both refused to issue a refund for our purchase price. The bank issued a temporary credit to my account in the amount of {$4200.00}. 
On XX/XX/XXXX, the bank reversed the temporary credit to my account based on proof from the travel agent that we purchased the tickets using the credit card. Please note that this was not the reason for the dispute. The bank has completely disregarded the reason for the dispute : the fact that the airline cancelled the flight and no refund was provided. We are asking the bank remove the charge from my account and correct all negative credit reported regarding this transaction to all three credit bureaus, as this is having a negative effect on my credit report. 
Because of this issue, I have closed the credit card account without paying the amount charge by the bank. They have provided negative information to the credit bureaus ever since. 
I ask that the CFPB help me successfully resolve this dispute. The credit card company should not be able to charge me for something I never received, even if I did originally authorize the charge.
Consumer complaint received 2018-10-19
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: AMERICAN EXPRESS COMPANY (IL)

Fraudulent accounts opened American Express opened on XX/XX/XXXX in amount of {$34000.00} American Express opened on XX/XX/XXXX in amount of {$2000.00} XXXX DBA Mr XXXX opened on XX/XX/XXXX has a {$0.00} balance. 

XXXX Bank opened on XX/XX/XXXX has a {$0.00} balance.