davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
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 (OH)

Fraudulent Charges to XXXX XXXX XXXX Online XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX ( was XXXX but XXXX was used for free shipping out of my plus membership ) XX/XX/20 Called Bank of America ( BOA ) notified of fraudulent charges. Investigation initiated.

I called BOA due to 3 charges on my account through XXXX 'XXXX  XXXX online totaling {$1400.00}. Two of the charges had gone through and one was still processing. At that time, I notified BOA those were not my charges and I have never ordered anything online though XXXX XXXX XXXX. I was provided the guarantee that a decision would be made within 10 days pending investigation of the charges. No monies were credited back to my account. Less than 24 hours later I received notice from BOA that I was responsible for the charges because I have a history with in-store XXXX XXXX XXXX purchases. After calls to BOA I was put off constantly and no one would transfer me to the fraud department stating a decision had been made and I had to write a letter and send in a police report to even have it considered to be reopened or escalated and that was still not a guarantee they would reopen. Through this, XXXX, responsible for delivering the said merchandise to my home, notified me that the culprits had redirected delivery with Fraudulent call tags and the merchandise was now out of XXXX  hands. XXXX Fraud Team, who has been in contact with me at least twice daily, informed me of a XXXX XXXX XXXX   breach and over 300 packages have been reported as fraudulent purchases. 
Still nothing from BOA other than an email stating that I am responsible for the charges.
Consumer complaint received 2020-02-26
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. (OH)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I called USAA about their repeated mailings. They are interminably sending offers to my self and my wife for both insurance and credit card offers. I wanted to be taken off their marketing mailing lists. We do not have a relationship with USAA When I called them, their CSR stated that he could not help me because I " don't have an account number or profile number ''. 

Stating the obvious, I said I don't have either of those but I do have my address and the other info on the latest offer for a USAA XXXX card. He apologized for the inconvenience but couldn't help me. 

After asking to speak with someone up the food chain, he went off and, after some time, said the same thing : " Sorry, I can't help you without a profile or account number ''. 

That is ludicrous. I am in their database or I would not be calling. An account number comes AFTER I establish a relationship. Not before.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (TX)

Regarding : Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX Dear Sirs ; As a debt buyer I expect and require you provide a copy of the application for credit with my signature electronic or otherwise for proof this is my debt. According to my records this debt does not appear on any of the three XXXX, XXXX XXXX or XXXX   credit reporting agencies credit reports was not authorized for me or by me was never mine I submitted a complaint to the XXXX. The ID # is XXXX. 
I have submitted a complaint to Texas Attorney General My record keeping does not suggest I have this debt. They do not have any evidence to substantiate its claim that this debt Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX is a legitimate debt. Furthermore, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. 
While I understand LVNV Funding LLC, ( LVNV ) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP ( Resurgent ) to manage that debt, and hires XXXX XXXX XXXX to prosecute consumers, this is NOT acceptable. You did not complete your due diligence in this matter because this is not my debt. I want your company provide proof this is my debt.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

I have disputed a collection reflected on my credit report for a rental unit and have been unsuccessful. I had provided a security deposit and a key deposit around plus the first month 's rent for when I moved in 2010 around {$1900.00}. During that time the property managers changed a few years later I paid a pet deposit for {$120.00} as well. I moved out and provided a 60 day notice, I sent the key in by mail, left the property early and in good condition. Apartment complex called me later and asked for the key and clarified that the key was mailed to them and I was not contacted after that and my deposits were not returned which I figured was used for cleaning fees. Years later I found a collection on my credit report and they state I never provided a security deposit or a key deposit when I had provided all of that plus a pet deposit which they do have a record for the pet deposit. I disputed with the credit bureaus and they refused to remove it. I asked the apartment complex for the lease to prove the deposit amounts and they state they do not have it. This needs to be deleted as soon as possible.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Choice Privileges credit card company failed to timely credit my credit card payment. Barclays unlawfully held the payment over a weekend so Barclays could claim false and erroneous charges since I paid off my credit card in full each month. I timely paid, and Barclays timely received, {$220.00} on or before the due date, Friday, XXXX XXXX  2011. However, Barclays failed and refused to timely credit the payment. Instead, Barclays held the check over the weekend and did not credit it until Monday XXXX XXXX, 2011, after the weekend. Barclays then demanded {$35.00} as a false " late fee, '' and {$3.00} in false " interest. '' I immediately notified Barclays of the error and demanded it be corrected. When Barclays refused to respond and correct its mistake, I cancelled my account, terminating any contractual relationship between me and Barclays. Since that time, Barclays has attempted to charge me additional late fees and additional interest for my refusal to pay the original false and incorrect late fee and interest. SUCH LATE FEES ON LATE FEES AND INTEREST ON INTEREST IS NOW ALLEGED TO BE IN THE SUM OF HUNDREDS OF DOLLARS. NOT A SINGLE PENNY IS FOR PRINCIPAL. These false claims are negatively effecting my family 's ability to obtain credit. Clearly this is unlawful.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (FL)

I had my home mortgage sold to Ally and am in the process of refinancing. They refuse to issue a pay off statement to the new lender because they claim that they had to purchase lender homeowners insurance. I have provided them 3 times with my Declarations page showing that they are the named insured and that I have paid the insurance in full. When I call the recording says that my account is uninsured. When I get to customer service they show that they have the information of my insurance but they have been unable to verify coverage by calling the number on the policy because they can not get a person on the phone. I have provided them with my insurance agent 's name, work phone, cell phone and email address but they only put it in their system as information for their insurance department, but will not transfer me to the insurance department to speak with someone. They actually gave me a wrong number to call to get me off the phone. I called back twice and spoke with two different people to put me in touch with a supervisor. Both time, after being on hold for over 20 minutes, I was told there was no one available and that I would receive a cal back in 2-4 hours. I have never received a call. I have spent over 2 hours on the phone to try and resolve this and get the cost of the insurance they are charging me for removed and to release my pay off statement. They are holding me captive and not allowing me to close my loan and give it to someone else.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates (IL)

Subject : Notice Of Dispute - LJ ROSS XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account LJ ROSS XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account LJ ROSS XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account LJ ROSS XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account LJ ROSS XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX reported that on XX/XX/2018, an inquiry to my credit file was made by : XXXX   XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, NJ XXXX This alert was conveyed to me by XXXX - through XXXX XXXX. 

Upon research, the XXXX XXXX XXXX ( XXXX ), which referred to the company as XXXX XXXX XXXX, had rated this company with an " F '' and indicated that there were 50 complaints against the business. Further research revealed numerous consumers documenting online at various website about multiple inquiries to their credit file by this company even though they had not applied for a mortgage.

I also did not apply for a mortgage on XX/XX/2018 nor have I had any business in the past with this company.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I had an appt with Wells Fargo on XXXX XXXX to have my safe deposit box of 25 + years drilled into because I had lost my keys. The bank had also lost all records concerning my box including my contract and signature card recording any history of activity. There was much confusion among the WFB team in locating my box as there were so many boxes with the same number as mine. In fact when they thought they 'd located it I stated that it was n't mine as it was n't located in the main vault where I knew it was. They insisted and upon drilling open the box we found it empty. I was told that after the fact the bank drilled into 8 more boxes trying to locate mine. The bank personnel conducted an investigation for over 3 months. Mid-way during more than a 3 month investigation the district manager made an offer for my lost box and contents to reimburse me for the fees paid over the years and {$1000.00} for compensation. I refused the offer yet the bank took it upon themselves to deposit the paid fees into my account without my permission. I then received a call from the regional manager based on my insistence because the offer was completely unsatisfactory. I 'm sure he stated this debacle was indeed the bank 's responsibility. He further requested that I provide an affadavit of the contents ' value, to the best of my recollection, as it had been years since I opened it. He stated that the bank wanted to come up with compensation commensurate with not only the value but the situation. After the regional manager met with his team, he changed his position and claimed that the box drilled into during my presence was mine. Yet when I asked how could it be if he himself confirmed to me that WFB could not locate my box. and with his team they 'll work on a compansation hopefully to be satisfactory for me. He stated " it 's what it 's "
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

I've recently received notification from the XXXX on behalf of the US Dept of Education that my application of Total & Permanent XXXX has been approved and my loan is completely forgiven/discharged. The notification was also sent to MOHELA on XX/XX/XXXX for it to process the student loans from it's servicing so that XXXX  process the forgiveness/discharge of the student loans in the amount of {$140000.00}. With all of the confusion, administration back peddling, lawsuits filed by or on behalf of MOHELA challenging the student loan forgiveness programs, and recent CFPB announcement regarding the ill acts of loan servicers ; I would like MOHELA with this information to immediately zero out my loans, close the account, and report such to the credit bureaus as quickly and feasibly as possible. I filed a dispute with the 3 credit bureaus to expedite getting the inaccurate reporting off my credit reports ; MOHELA however verified that the $ XXXX balance was correct with at least one of the credit bureaus ; which is erroneous as of XX/XX/2022. Thank you.
Consumer complaint received 2020-02-27
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. (CA)

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00}. I HAVE SETTLED AND CLOSED THIS ACCOUNT.
Consumer complaint received 2023-06-24
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. (NY)

On XX/XX/XXXX, there was a charge for tax services by XXXX XXXX XXXX NY for {$570.00}. I filled a dispute on XX/XX/XXXX with the credit company ( citibank ) as this merchant is a fraud and does not have a license to provide tax services. I explained this to the credit card company and they said they had to reach out to the merchant first. The credit card company sided with the merchant on XX/XX/XXXX even though they could not provide me any documents that the merchant give them to show he provided tax services legally. I been trying to speak to a manager at citibank to handle this issue, but have been unsuccessful. I have reported this merchant to reportfraud.ftc.gov. I also will be reporting the merchant to the IRS for improper tax preparation. 

I have attached the receipt, I have an email asking for a following up from the merchant. I made phone calls to the merchant with no call back.
Consumer complaint received 2023-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (TN)

I have already sent this company a letter to validate this claim that I have any contract with them. The company did not provide any information staying that I have any contract with them. So they has deleted this account from my consumer report. Also this company has many names that go by trying to be confusing to consumers that wrote me again try to collect on a debt that I do not owe to them. They are breaking the laws of the CFPB/FTC I have a right to privacy as well as a consumer. I also sent the a cease and desist letter and they still decided to break the laws by contacting me about debt I do not owe them I have no contract with them I will sue them if they decide to keep this up its a XXXX per volition. I will go to small clams court and get Remedy.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (MN)

I contacted Vanilla Visa XX/XX/XXXX regarding the XX/XX/XXXX {$160.00} fraudulent unauthorized transfer on my gift card. The transaction was from XXXX XXXX XXXX. When I spoke with the Customer Care person I was told that it was not a problem that the transaction had occurred XX/XX/XXXX and I wasn't reporting it until now. I explained that I had checked the balance on XX/XX/XXXX and that because I don't receive a statement it's something that I don't check monthly. I was planning to use it for a XXXX gift when I discovered the fraudulent unauthorized transfer. I submitted their Gift Card Dispute Form XX/XX/XXXX ( case XXXX ). On XX/XX/XXXX, in the mail I received a letter from InComm that said my claim was outside the 60 day time frame. According to the Cardholder Agreement ( see attached copy ) that they have on their website for Vanilla Visa Gift Cards issued by XXXX   XXXX  XXXX XXXX purchased after XX/XX/XXXX under the paragraph Your Liability for Unauthorized Transfers " Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on the Gift Card Account is {$0.00} if you are not grossly negligent or fraudulent in the handling of the Gift Card. '' It then says " You must notify us immediately of any unauthorized use '' but does not indicate within a 60 day time frame. I feel I'm entitled to a {$160.00} credit. I filed a complaint with XXXX  ( see attached ). InComm has refused to help with this fraudulent unauthorized transfer. In fact in their XX/XX/XXXX response to the XXXX  they said they don't even consider it fraud. They are not honoring their Gift Card Cardholder Agreement.