davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XX/XX/XXXX, XXXX Filed with Bank of America Claim XXXX XXXX Denied XX/XX/XXXX. 
The claim was reopened and denied. This time, an additional {$150.00} was included. So the total amount showing denied is a total of {$320.00}. I'm not sure why the additional funds were included. The response that I received is, " The charge was authorized by you or made by someone who has permission to use the card or account. '' I immediately alerted Bank of America of the fraud as it was occurring. There are no other authorized users on my account. I'm filing another CFPB claim because the amount has increased and the response to the initial research was unsatisfactory. 


Account charged {$160.00} On XX/XX/XXXX, my debit card number was compromised. As I was about to enter a store, I received an alert on my phone that a charge was denied because the zip code was incorrect. I immediately checked my account and noticed that there were other charges that I did not make that morning. I immediately called Bank of America and told them what was happening. As I was on the phone with the representative, we saw additional charges coming through. She was able to stop them at the time it happened. She reversed the other charges and opened a claim. In the next few days, a box was delivered to my home. I didn't order any of these items. I would get periodic messages from Bank of America saying that there was an update to my claims, and to view in the message center. There are no detailed messages in the message center, which is difficult to locate and access. I was checking my account today, XX/XX/XXXX, and noticed that my account was debited for {$160.00} and there was a claim attached to the debit. I clicked on the note and saw that the credit was reversed. The message center said that the claim was denied with no additional details. I call in and they said that the merchant was able to provide my name and address from my account and that the vitamins were delivered to me. They were, but I did not order them, nor have I opened the box or used them. Bank of America asked me if I contacted the merchant ( XXXX  ). I said, for what? I didn't order the vitamins and I have no dealings with this merchant. It's very obvious that someone was using my debit card and trying to make sure that they had the correct information to continue making purchases. They proceeded to ask me if someone in my house could have purchased it. No one in my home ordered the vitamins or knows anything about the company. The follow-up was for me to FAX a letter explaining what? The same information that I already gave them. I'm filing a complaint because the fraud was obvious and my account is either protected from fraud or it's not. If it's not, then they need to say this and they would need to implement additional safeguards to protect their clients
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp. (NV)

In XX/XX/XXXX, I received a collection notice from Armada Corp of Nevada. This notification referenced a dollar amount {$770.00} only. This dollar amount was not familiar to me and I have paid every medical bill I've received. The notification did not reference the date, any creditor info or details of the dollar amount. I called Armada. Requested supporting docs be emailed to me. Armada stated they didn't have ability to email. Requested supporting docs be sent via postal mail. To date, nothing received. Today, I was served with a Small Claims Complaint for this {$770.00}. I immediately called Armada, spoke with XXXX, advised her that I never received any supporting docs on this matter. Requested emailed docs again. Was told again that she didn't have the ability to email. XXXX will mail the supporting docs. XXXX stated that this {$770.00} was for a doctor back in XX/XX/XXXX. That was 3 years ago. I don't have any bills, invoices, statements from any entity that are unpaid. You can not retain and hold bills for 3 years, fail to provide supporting docs, fail to email, mail or call and then sue someone. If the debt is valid, I will pay the {$770.00}, but to date, I have not received anything, after requesting it, to support this debt.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.
Consumer complaint received 2024-02-10
Product: Credit reporting 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)

Notice to Agent is notice to principal notice to principal is notice to agent. I am contacting you because I have found some inaccurate information on my credit report. This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. [ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between the consumer and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies in my consumer report. You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. As a result of this, I request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This letter is certified mail and you are now on notice Thank you for your time
Consumer complaint received 2023-07-26
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. (DE)

Hello my name is XXXX XXXX. Ive been trying to dispute this collection off my report for almost two years now. Im not sure why its still there. I was not living at that address so that bill does not belong to me. Ive never lived there. This hard inquiry is affecting my credit report and score and affecting with my overall life. These credit bureaus are using and stealing my information and its AGAINST the LAW for them to be having damages on my credit report under 15 USC 1681. I demand this be removed. Thankyou
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TN)

ConsumerFinancialProtectionBureau This complaint is directed with over 8 lenders who have received monies from me since 2003 when I originally purchased my home from the builder. 

I have detailed in a summary document how my loan has somehow gone from a 30 year mortgage to a 44 year mortgage, how my loan amount varies throughout the lenders, how did a fixed rate loan change so often ... these are just a few questions. 

I have provided documents that show both my bankruptcy attorney and the bank 's attorneys kept me from filing the one document of re-affirmation needed to prevent the issues that have occurred. They blocked me until time expired. 

This is a very well documented complaint that is clearly predatory and should never be allowed to occur. 

Note : Some attachments ( pdf ) were too big and had to be broken into smaller files. I was not aware til after the index of attachments was uploaded, so I named them similarly and included page numbers. 

I need someone to take an interest in this complaint and give it the consideration it deserves. 

I worked over 30 hours to produce these documents. Being XXXX and having to confine myself to a chair for long hours is extremely painful but I did it. 

You should have everything you need to resolve the main issue of terms of loan ... when passed from lender to lender.
Consumer complaint received 2019-04-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (WI)

I got this loan in XXXX from Associated Bank, it was pose to be a 10 year loan, but its a 30 year, the banker and mortgage company who done the loan was on the news for fraud I looked in to my loan about XXXX ask to refinance, the banker told me I wouldnt be able to refin in about a year, but I always get the run around, over and over, come to find out the value isnt in the home, which I looked into more and the value was never in the home I got the loan with a XXXX credit score with the amount of XXXX my interest rate is at a 12.2500 % which is very unrealistic at this current day in time. and it seems like its nothing I can do they never gave me my original paperwork its been a tough situation dealing with them, and I have paid them for the loan already, at this point its like highway robbery. No one is being held accountable for me getting played by 2 of their workers and Im just feed up with them. It just a pure embarrassment how I let these men play and Prey on me, if I would have know better I would have done better. Can you please help me to get a resolution, Im tying to find me a lawyer to sue them.
Consumer complaint received 2018-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cottonwood Financial Ltd. (TX)

VIOLATION { FDCPA } { 805 } { 15USC1692 } ( C ) [ PARA ] ( C ). CAUSING THE TELEPHONE TO RING REPEATEDLY OR CONTINUOUSLY AND MAKING REPEATED AND CONTINUOUS TELEPHONE CALLS WITH THE INTENT TO HARASS AND INTIMIDATE THE PERSON AT THE CALLED NUMBER 3 TO 4 TIMES DAILY..A CEASE AND DESIST COMUNICATION DEMAND LETTER WAS GIVEN TO THE CASH STORE ON XX/XX/18 AT THERE CORPORATE OFFICE AND THE LOCAL BRANCH BUT THEY JUST IGNORE MY LETTER.AND KEEP ON HARASSING ME AND CALLING MY SON AT WORK GETTING HIM IN TROUBLE BECAUSE THEY DON'T ALLOW CALLS.THEY CALL MY FAMILY MEMBERS ASKING QUESTIONS NOT RELATED TO ANY LOAN PROBLEM.
Consumer complaint received 2023-01-30
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX conduct is misleading, fraudulent and unconstitutional the promissory notes allegedly signed by me is null and void because the notes was used to create the Credit or money on its own books bookeeping entry therefore no lawful consideration was given. There is no united states law or statue that gives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the right to do so. therefore the agreement is null and void, attempting to collect is usury because no consideration was given. Reporting these accounts to my credit file is extortion and blackmail and is a violation of federal law. Lastly I never was given a true bill these persons never verified under oath I owe a debt therefore I order the said persons to cease and desist from all communication including the credit reporting agencies. And remove and block the fraudulent accounts from my credit file.FTC IDENTITY THEFT AFFIDAVIT IS ATTACHED
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

The collection agency sent me letters stating they purchased my original debt and are asking for payment. I responded to them stating I had filed bankruptcy and there was no way they acquired this debt as it was being paid back through my Chapter XXXX bankruptcy. They refuse to remove their accounts from my credit reports or acknowledge that the accounts were handled under my bankruptcy. The collection agency continues to damage my credit files even more.
Consumer complaint received 2019-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc. (WV)

On XX/XX/XXXX and today ( XX/XX/XXXX ) I received calls/messages and spoke with someone for XXXX XXXX threating a suit for fraud. The language and demeanor is very threatening.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-18
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: CITIBANK, N.A. (MD)

On XX/XX/2020 I charged {$10000.00} to my Citi credit card for dental services with XXXX XXXX XXXX. Several minutes later, I called Citi to cancel the charge due to the XX/XX/2020 dental appointment date and other negative issues linked to XXXX XXXX. I was informed by Citi that the charge couldn't be canceled.
Consumer complaint received 2019-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 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 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 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 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 2019-04-09
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. (MD)

On XX/XX/2019 I contacted XXXX XXXX to try to receive help lowering my credit card interest rate. Upon speaking with the customer service rep, XXXX XXXX, I felt a little uneasy due to the personal questions he was asking me such as SSN, address etc. I was just calling to get a feel of the company and their workings to see how they eliminate debt. I was not ready to move forward with a debt consolidation plan or to have the company pull a credit report, however I felt some what pressured by the rep. Instead of giving him my personal information which he was asking for he said that he had a copy of credit report readily available and he read off my personal information to me to confirm. This was surprising because I did NOT give XXXX consent to pull my credit. After our call I received notifications from the credit bureaus regarding the hard inquiry. I was highly upset and feel that the inquiry should be removed as I never gave permission to pull the report.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

I had fraudulant activity on my discover card back in XXXX. As soon as I noticed the fraudulant atm withdrawls I contacted discover card. They initally gave me back the funds that were taken off my card along with the interest and charges it accured. However just last month they put all the charges back onto my card. I called discover to discuss this and was told that because I did not answer there call they feel it was not fraud. This is Completely not RIGHT. I should NOT be responsible for someone stealing off my card. Now today XX/XX/2019 I went online to view my account and am blocked.
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Have paid off principle balance but payoff balance continues to increase. Most recent statement shows " total balance '' owed as slightly over 300.00. However, payoff is over 640.00. Company states it is due to fees but then why are those fees not listed/included on the statement? Made payment of XXXX in XXXX and payoff amount increased for XXXX with no principle balance due?
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

I purchased two items on XX/XX/XXXX ( order total {$1300.00} ). One of those items was available immediately for shipment and I received it ( {$100.00} ). The other item was not available for immediate shipment but I was charged on the XXXX XXXX XXXX credit card. When I made the purchase I signed up for 6 months of 0 % interest. As the months went by and I still had not received the item I noticed on my credit card statement I was making payments for an item I still had not received and that I was in fact being charged interest on that item. In XXXX I contacted XXXX XXXX to find out when my item would be delivered and they could not give me any answers. They told me it was best to cancel my order and get a refund. So this is exactly what I did. On XX/XX/XXXX I contacted XXXX ( spoke to XXXX ) because I wanted my money back and I also wanted the money back that they had charged interest on as I never received the item and that was not part of the agreement. She opened up a dispute and said it would be resolved within 90 days. I received a letter dated XX/XX/XXXX that said they would resolve the issue within 90 days. 90 days passed and I never received any notification nor my money back. On XX/XX/XXXX I spoke to XXXX and he told me I needed to speak with someone at XXXX XXXX. So that same day I spoke to XXXX at XXXX XXXX and she told me the dispute is with XXXX not XXXX XXXX I called back XXXX and said I needed to speak with a manager. Eventually I spoke to XXXX and she said that on or around XX/XX/XXXX I would hear back from XXXX regarding the results of the dispute and she could issue a check. I never heard back from XXXX. They still have my money. On XX/XX/XXXX I received another letter stating that it would be another 90 days. I believe this is against the law. I don't see how they can keep my money. I'm at the point where I will hire an attorney and take them to court or file through small claims for all of the additional stress this has caused me and not getting my money back that I am rightfully owed.