davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2022 I received a text alert on my phone, inquiring about a suspicious transaction on our bank account. It was asking if I recognized a XXXX transaction in the amount of {$1700.00} and then another one for {$1800.00}. I responded " no '' to the text and was then contacted over the phone by someone claiming to be a representative of Bank of America, who informed me that he would assist me in getting our money back. This individual knew all of our contact and bank information, and informed us that there had been multiple transactions, resulting in a loss of {$10000.00} from our checking account. This individual was calling from the toll free number listed on the back of our debit card, which was Bank of America. The individual walked us through the process multiple times of reversing the unauthorized charges, he informed us that due to the amount of money taken it would take a couple of days to recover our money. He informed me that they had the information of the person attempting to gain access to our account and that the authorities would be contacted, so that further investigation could be completed. I attempted to contact the fraud department of the bank over the weekend to verify that the person I was speaking with was legitimate, but the fraud department was not open on the weekend. I contacted my bank on Monday, XX/XX/XXXX, after explaining what had happened the representative informed me that we had been scammed and would not be getting our money back. The representative then assisted me in filing a fraud claim and I was informed that it would take up to 45 days to reach a decision. Meanwhile, we were left in disbelief, and astounded that the bank was not willing to assist us any further. We are now completely broke and have a small amount left in our account. I contacted our local police department who informed me that they were unable to assist us and directed us to ICE.gov to file a fraud claim with the FBI. I also contacted our local news channel where I was interviewed on shown on the news. I also went into the local branch of Bank of America, and without even asking my name, or having any type of discussion with me I was turned away by the branch manager and informed that we would not be getting our money back. I have banked at the same bank for 37 years ... .this branch manager didn't even ask my name or look into by account, and informed me that the fraud department was in control of the situation. WE FEEL EXTREMELY VIOLATED AND ARE EXTREMELY FRUSTRATED WITH THE SITUATION AND FEEL THAT WE HAVE HIT NUMEROUS ROAD BLOCKS, AND NEED ASSISTANCE IN RECOVERING OUR MONEY. We continue to sit her wondering how it all happened and how we will recover our money, if at all. Please help us! Thank you for your time.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

Hi- on XX/XX/XXXX, I was attempting to sell my XXXX  on XXXX XXXX and was scammed with XXXX XXXX I immediately reported it to Citibank that evening where they said an investigation was to take place and I had to go to the bank to open a new account. At that time, no information about what had transpired were asked just that my account is blocked. I did not hear any updates from the investigation until a month out when I called to find out the status on XX/XX/XXXX. I found out that they denied my claims and so I appealed it because no questions regarding the events or emails were shared. They temporarily returned my funds and began the investigation again. No letters were sent, when I did receive an email and called Citibank to open the email as it required a password, they told me not to open the email. As of yesterday, XX/XX/XXXX, I was told I am not eligible of getting my funds back. As per the XXXX, I believe I am covered and have the emails to prove the scam which no one has asked me for during the investigation.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

To whom it may concern, I was was in an apartment at XXXX XXXX and it flooded and was asked to vacate the premises due to the repairs being made. I asked for a termination of the lease agreement with no penalties or fees. I was advised to sublease the unit. I was unable to sublease it as the unit was under repairs and could not be subleased. Due to the repairs I was not able to stay at the unit nor sublease. As such rent should not have been charged. Moreover, I incurred damages in the amount of {$5500.00} due to the flood in the apartment. The leasing office changed the renter 's insurance policy two weeks before the flood and failed to notify. The new policy did not cover any flood damages.
Consumer complaint received 2021-04-13
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: MoneyLion Inc. (AZ)

A family memeber of mine opened a loan in my name without my knowkledge or consent online with Moneylion. They were allowed to open the accoutn online by Moneylion without verifying identity of the person opening the account, no signature was oobtained or compared to the drivers license to verify the identity as well. I didn't know this accoutn was opened in my name until I check my credit report In XXXX. When I saw this accoutn on my credity I called to figure out what it was. I was told there was a balance on this account and that it couldnt be removed from ym report until i paid it, which I paid out of my pocket to get it remioved. I filed muiltiple disputes with Moneylion. I have contacted Moneylion multiple times to get this rectified and they refuse to do so.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This Account is Violating FCRA 15usc1681a ( 2 ) ( a ) ( i ) Transactions and Experience Exclusion. I have called them several times often time speaking to senior account manager no resolution Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The account for Child Support was placed in collections in the year of XXXX, I have filed multiple disputes and written letters with TransUnion and the account continues to reage. Now its showing on the report as closed but negative it was closed then replaced back on report with late payments Therefore this account should have been removed no later than XXXX.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
XXXX XXXX Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.
Consumer complaint received 2018-11-13
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.
Consumer complaint received 2020-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

DEAR BANK OF AMERICA ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-14
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I'll never live at the following addresses this is all incorrect:XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXX XXXX XXXX the following inquiries are unauthorized user : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (CA)

On XX/XX/XXXX I went to XXXX XXXX XXXX to get tested for XXXX. The hospital had a tent outside their emergency entrance where patients can come in to get tested. After I filled out my information such as name, address, social security number, I was visited by a female doctor who tested me with a swab in my nose. She said within 2-3 days I will get the results by a call from the hospital. 
After waiting for 4 days and not getting any calls, I went to the same location to ask about my results. The security guard said the only way I can get the results is by calling the hospital and he provided me with the phone number. I called at least 5 times and either the male receptionist would ask me to hold which I did for almost 15 minutes or I would get disconnected. So I never got my test result and I gave up. 
Few weeks ago and today, XX/XX/21, I received a call from phone number XXXX XXXX XXXX which is a collection agency telling me that I owe the XXXX XXXX {$180.00} for the test. I told the lady that they didn't even provide me with the results. She said she will note the file. This happened on the first call. Today 's call was automated asking me to pay the {$180.00}. 
Finally, even though I provided the hospital my correct home address, they had sent the bill to my previous address which is at my sister 's. She called me saying I had a bill from the hospital.
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: EQUIFAX, INC. (GA)

I have all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Consumer complaint received 2021-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent i a complaint on XX/XX/21 but since i didn't put in an e-mail. I can't see the status. I sent a dispute to all 3 credit reporting agencies and they didn't respond in 30 days.
Consumer complaint received 2022-08-15
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: AES/PHEAA (AZ)

I am filing a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received the results of my investigation.
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

Experian denied XXXX XXXX XXXX the right to remove a name ( XXXX ) identified on her credit report as a spouse, co-borrower, etc. XXXX XXXX XXXX has never been married and the individual was removed as a co-borrower on an account in XX/XX/XXXX following a Chapter XXXX Bankruptcy discharge. Additionally, there are multiple missing items on the credit report of XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX  XXXX XXXX  XXXX. XXXX   XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

Hello, I received a promotion for a 18 month zero percent for balance transfers from USAA, the fee was {$200.00}. I transferred my balance on XX/XX/XXXX and then I started seeing {$300.00} dollar interest charges at the end of the month. I called to inquire and they stated the promotion on my card had expired on XX/XX/XXXX ( the day before I called ), but there was a promotion for another card that I was approved for and was on my account when I called, but I had to specifically specify that I wanted to transfer the balance to this other card. They reviewed my call and acknowledged I did discuss the 0 % promotion with the representative, but since the rep stated a disclosure, I had no recourse. So, I was charged {$200.00} for a transfer fee, then 17.9 % interest compounded over 50 days, with no recourse, refunds or anything. I was completely scammed! I then asked why was the transfer then put under a " cash advance '' that had no repayment grace period, but rather a daily interest referral, and I was told this was customary. I asked for a refund and they refused. I saw this has happened to quite a few people when I researched USAA online. I was saddened that this was USAA of all companies, no integrity or honor, both of which the service taught me! They may be within legal parameters, but what they did was immoral and unethical. I lost over {$700.00} to their scam, around the holidays no less.