davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

To Whom It May Concern : In XX/XX/XXXX, {$600.00} was taken out of my checking account via XXXX XXXX by an unknown person ( fraud ) and made it look like I sent the {$600.00}. I filed a complaint with both XXXXXXXX XXXX and Bank of America. 

I was told via email by XXXX XXXX ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because the unknown person ( fraud ) had deposited the money into their account. 

I was told by Bank of America ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because XXXXXXXX XXXX provided information stating I use XXXX XXXX  frequently. 

I know for a fact I did not send {$600.00} to the unknown person ( fraud ) and I do not know the unknown person ( fraud ). 

I want my stolen {$600.00} back in my account because it was fraud, someone did hack into my XXXX XXXX  account, and I did not send the unknown person {$600.00}.
Consumer complaint received 2018-06-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

I called Santander in XX/XX/XXXX to complete voluntary repossession. It was processed and I was told they would have tow driver pick up vehicle from repair shop. I got a call month later vehicle still at repair. At this there were no storage fees being charge. Santander stayed they would have check forXXXX sent to get vehicle. They never did. Repair shop called to state they would began charging storage fees. To date they have not picked up vehicle and they continuing to report late payments on credit report
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I made a purchase of {$190.00} at XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX. 

Payment was made by check in that amount by mail. The payment due date was XX/XX/XXXX. My check was processed XX/XX/XXXX. A finance charge of {$27.00} and a late interest charge of {$4.00} was assessed for a total of {$31.00}.

Payment of {$190.00} was inadvertently made again by my husband and processed on XX/XX/XXXX.

I called XXXX XXXX XXXX several times to have the charges of {$31.00} waived, and for refund of my overpayment.

A check for {$140.00} was dated XX/XX/XXXX and received by mail by me 6 weeks after the initial payments.
Consumer complaint received 2017-05-26
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: BARCLAYS BANK DELAWARE (PA)

On XXXX XXXX, 2017, I took an XXXX XXXX flight from XXXX, XXXX to XXXX, PA ( flight XXXX ). XXXX charged me {$100.00} for checking a bag on this flight. I paid this fee by using my XXXX XXXX XXXX XXXX credit card, which is issued through Barclays Bank Delaware. XXXX lost my bag and it was finally returned four days after the flight landed in XXXX. I spoke with XXXX on each day to determine the progress in the search, and each time I was told that XXXX would issue a refund for the baggage charge. I was also instructed to contact the refund site for XXXX and explain the circumstances and request a refund. I did this on XXXX XXXX, 2017. I  did not hear any response from XXXX regarding my refund request so I contacted the XXXX/Barclays credit card issue to contest the charge. The credit card company told me that I had to deal with the XXXX XXXX company for the refund, and she tied an XXXX XXXX representative into the call. XXXX XXXX told me to submit another refund request. I told the credit card representative that I wanted to contest this transaction. The credit card representative refused to record a challenge to the transaction and again told me that I had to deal with the airline. The credit card representative told me that she could not record a challenge to the charge because the airlines had not guaranteed to deliver my bag as of any particular date ; I responded that it was implicit that it would not take four days to deliver the bag. I have spent hours on this dispute -- going back and forth between the credit card company and the airline. It is my understanding that I have the right to challenge a credit card charge and that XXXX/Barclays should have cooperated even though the dispute is with its affiliate, XXXX XXXX.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (TX)

I am writing to dispute the following information in my file. I recently received a copy of my Equiax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX  XX/XX/XXXX Please remove these inquiries from my credit report immediately
Consumer complaint received 2019-06-17
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. (TX)

I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Consumer complaint received 2019-06-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SIMM Associates, Inc. (CA)

XX/XX/2019 and various other dates on XX/XX/19 called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller Sim Associates is the agency XXXX-XXXX-XXXX ext XXXX
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I am closing my XXXX XXXX Account and I have tried multiple times to add my XXXX XXXX Checking Account to PayPal Credit however it refuses to add the bank account thus forcing me to keep open my XXXX XXXX   account as it will not allow me to make a payment with any other means.
Consumer complaint received 2019-06-17
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)

On XX/XX/XXXX I received a response from Equifax to a verification I submitted on XX/XX/XXXX. The response ( # XXXX confirmation number ) stated : In this situation * We request that the reporting company verify the accuracy of the information you disputed * We provide them with the relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary Here they outline their procedure for investigating my dispute and within their results of their reinvestigation ; The information you disputed has been received. The results are : inquiries area a factual record of file access. If you believe this was unauthorized, please contact the creditor. 

This does not indicate that their was an investigation into the accuracy of the inquires on my credit file. They did nothing but state they believe the inquires to be accurate. 

This will be the 6th attempt to have inquires removed from my file that I did not authorize. I have been successful having other removed once they actually did a investigation. Some creditors have no record of these inquiries and unwilling to give a letter to state so.
Consumer complaint received 2023-07-17
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. (AR)

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 seven 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 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (OH)

It is impossible to cancel my membership account. I am being charged {$24.00} per month for a service I can not log into and it has been this way for more than a year. Every time I try to log into my account it says I am unable to do so and that I need to contact customer service. When I contact customer service I am put on hold for hours and never get through so the problem is never fixed. 

I have emailed their customer service as well stating I want to cancel my account and never receive anything back.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2019-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Card Services XXXX . XXXX XXXX XXXX, MN XXXX To who may concern : Re : On XX/XX/XXXX, I purchased the following product or service : XXXX XXXX credit card took money for services non authorized and refuse to reverse those chargers when auto pay should only have been used for transfer money when payments are not made what so ever all the payments were done in a fashion matter ( also from XXXX institution ). 

I am dissatisfied with the bank with bank errors that should have happen to begin with and the lack of effort to reverse those non authorized payment, Asking to please fix the issue and send back to funds to the issuing back when the payment was made in full already. 

I would like to have that money reversed back to my banks account as per agreement I was told autopaymet should only be apply if not payment is made. 
I have enclosed copies of my records related to this situation. 

I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone a XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX   via fax XXXX XXXX credit card
Consumer complaint received 2024-02-11
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. (KS)

experian. I have had such a hard time figuring anything out with no help from experian whats so ever. I have called them so many times to either get ran in a circle or just point blank hung up on before even getting a chance to talk. a few weeks ago I noticed my XXXX  loan amount jumped from XXXX to around XXXX as I was looking into it to see what changed because I personally did not do anything to make the loan amount significantly increase. I saw that my original XXXX loans duplicated to XXXX more loans totally XXXX loans and each XXXX pairs are the same. I called provider XXXX  because I had never seen them before and they said my loans were now through them and to call the other provider to make sure ( XXXX ) which I did and they said my account with them is closed and transferred. so I filed a dispute with experian to have them take off that account because it is obviously no longer needed and nothing has changed. I should not owe XXXX + I should only owe XXXX no one will help take off the duplicate loans.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I previously disputed an account on my credit file that was incorrect, reported by TSI ( Transworld Systems , Inc ) on behalf of XXXX XXXX. After a lack of results from my dispute attempts, I contacted TSI directly and advised them of the situation with this account : I believed this account was paid in full, as I did not receive a final bill from XXXX XXXX. Because of the alleged amount due, I believe that the service continued to be billed at my former address after I cancelled the service. Supervisor XXXX XXXX of TSI advised that she would contact XXXX XXXX to relay the dispute information, in an effort to come to an agreement on deletion of this account from my credit report. She followed up with me two days later and stated that XXXX agreed to delete the account if the payment was made. At this point, I just wanted it off my report, so I agreed ( even though I still believe that the balance is extremely inflated ). I paid the balance in full, and on XX/XX/2020 received a letter from TSI ( attached ) which verified that the account would be deleted from all three credit bureaus. Instead of honoring this agreement, TSI merely reported that the balance was paid in full - resulting in the collection being reactivated and lowering my score substantially. I contacted TSI again, and was told by a representative ( who claims to have called Supervisor XXXX XXXX to verify ) that TSI requested that the account be deleted, but that the credit bureau has the final say on how it is reported. I then contacted the credit bureaus who advised that they reported it as TSI requested it, as a balance update. They stated that they have no authority to determine what is reported or deleted, that they must report as the collection agency advises. I feel that TSI provided fraudulent advisement in an attempt to collect a debt, blatantly lying about what would occur once the payment was made.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting to Experian that I owe XXXX  on a closed credit card that is fraud. This credit card was stolen and was closed already. XXXX XXXX is not complying. They keep saying I owe XXXX  on a STOLEN credit card. I have paperwork that shows they closed the account. This is screwing up my credit score completely. Im unable to open any credit cards. I have had good credit before this
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems or TSI called me and called my elderly parents to collect a medical debt that I do not owe and that is not reported on my credit report. Their representative stated I owe more than {$500.00} to XXXX XXXX XXXX XXXX. I explained that I did not owe this debt for the following reasons. 

About two years ago I was a passenger in a XXXX yellow cab. The cab was struck by another car. As a result, I received treatment at the hospital in XXXX XXXX, which is now a part of XXXX XXXX. I explained to the Transworld caller that if the alleged debt arose from this incident, it was not a debt that I owed. The hospital was authorized to collect payment for my treatment from the insurance companies involved in the car accident and did so. 

I do not know how this debt collector received my information about this debt as to my knowledge does it does not appear on my credit report. More importantly, they called my parents at their home even though I have never shared their phone number with them or XXXX XXXX XXXX Services, or the hospital. My dad is in his eighties. It is abusive for them to call my family to attempt to collect a debt, especially a debt that I do not owe. 

I also do not understand how they would lawfully disclose medical debt information to a third party, even if that information is inaccurate.
Consumer complaint received 2019-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've tried a few times to remove these unverified and unknown accounts from my credit report, however the major credit bureaus insist on keep reporting information inwhich is taking from one side, the supposed creditors. I have requested and questioned their Method Of Verification and have not received anything. My next step will be to file a law suit against the reporting agencies. The Fair Credit Reporting Act states that if the credit reporting agencies can not provide consumer with request and physical documentation of what's being requested then the accounts shall be removed immediately. I'm Demanding that these accounts either be blocked from my credit report or the reporting agencies provide physical documentation along with their Method Of Verification into these accounts. Who verified these accounts, when and how did they verify these accounts, At what time, hour and day/ date did they verify these accounts. Inwhom did they communicate with and what methods of communication was used. And if this can not be met in a timely fashion then these accounts shall be deleted immediately. 1. XXXX XXXX XXXX {$1000.00} ... ... ( 2 ) XXXX {$920.00} ... .. ( 3 ) XXXX XXXX XXXX {$390.00} ... .. ( 4 ) XXXX XXXX {$130.00}
Consumer complaint received 2016-11-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (PA)

To CFPB, My name is XXXX XXXX and I am following up on a complaint I requested about Midwest Recovery Systems ( MRS ), using fraud to put a collections account on my credit history. They do n't follow the FCRA law and the correct steps and procedures in the FCRA. They are saying this is from a pay day loan from XXXX in 2012. I have never applied or taken a payday loan in my life. I have also never been contacted by anyone regarding this account ever. I do not believe XXXX is even in business anymore. I want this immediately deleted off my credit report with all the XXXX major Credit Bureaus : It never should have been reported in the first place before having the chance to dispute it within the 30 legal days. I want proof of debt by providing the following : a ) proof of I.D provided at the time of account opening. b ) copy of signed contract ( not a signed application but signed contract ) c ) itemized statements of account activity.d ) itemized breakdown of how you came up with the balance owed. If this company should not resolve this in a timely manner, 30 days, I will pursue legal action as I take my credit very seriously. Only after immediate delete of the XXXX credit bureau and proof of valid debit I may be willing to discuss a resolution on this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

Missing IRS state tax refund direct deposit savings. 

I filed my XXXX and XXXX electronically with the IRS. 
I am missing a state tax payment for my XXXX payment in the amount of XXXX. This amount was supposed to be deposited in my savings account it never arrived. I called BOA but did not receive the funds.