davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I went to Hawaii on XX/XX/2020. While I was in hawaii someone was able to go to a Bank of America ATM and pull out XXXX on the XXXX and then XXXX on the XXXX. Both of these transactions were done at Bank Of America ATM 's in XXXX XXXX and one bank inquiry was at a XXXX XXXX  I called to check my balance and that was how i found out these transactions occurred. I had in my possession the card so it didnt make sense how these withdrawals happened. I immediately spoke to customer service and had them cancel my card and they sent me a new card. I was only in hawaii for a few days and when I got back I filed a claim with the claims department at Bank of America. I let them know that I would also be filing a police report. 

I received a letter from Bank Of America the following week but the letter was dated 1 day after I filed the claim. The letter stated that my claim was being closed because they believe my account or claim have been the subject of fraud or suspicious activity. I called Bank of America and was told that the representative would put in paperwork asking to reopen the claim. 

While speaking to a police detective working on the case, I was asked for the time that the transactions occurred so she could request video from the ATMS and when i called Bank of America, it was at that time, I was told that my new card was invalid and the account had been closed by the Unemployment office because it was flagged for fraud. When I spoke to Unemployment ( PUA ) I was told that there was nothing on their end that showed what Bank Of America was saying. Because my unemployment benefits for that week couldnt be sent to the new debit card, I changed my account to be direct deposited into my personal savings account that I have with a different bank. Bank of America gave me no notice and the money that was still on that card is now frozen, I am guessing. I went back and forth with Bank Of America and Unemployment daily till I stumbled on the phone number for the investigative department for Unemployment. I spoke to a representative and was told that they would send Bank of America a notice that my identity was verified and to unfreeze my account. This was around the first week in XXXX. I then was able to speak to a supervisor at Bank of America and was told they would submit paperwork to unfreeze my account. I waited a few weeks and called back this week and no one has any answers for me. With my account frozen, I have no open claim to get my money back from the unauthorized fraudulent transactions of XXXX. I have verified my identity with Unemployment through the ID.me site. I have been patient but this needs to be resolved. It shouldnt take months to investigate a claim and I feel like I am being given the run around. I cant tell you how many hours ive been on the phone trying to get this resolved. I really need this to be handled and my money to be given back to me.
Consumer complaint received 2017-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX/XXXX/XXXX I sent out certified return receipt a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX requesting verification of a debt which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). In the letter it detailed that they had 30 days to respond pursuant to the Fair Debt Collection Practices Act with validity of the debt. As of XXXX/XXXX/XXXX I received no response and sent follow up correspondence on XXXX/XXXX/XXXX offering a chance to rectify this error on their part which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). The office did not respond to me until the letter dated XXXX/XXXX/XXXX XXXX attached ) which was after 30 days have passed, and not received by me until XXXX/XXXX/XXXX. The letter did not address the request from the original letter from XXXX/XXXX/XXXX or subsequent letter from XXXX/XXXX/XXXX. Furthermore, the response was sent after the 30 days expired which is outside of the window in which they were required to respond.
Consumer complaint received 2017-11-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MD)

I previously submitted a complaint involving Discover Card. 
They are reporting on all 3 credit reporting agencies that I have a balance of {$6000.00}. 
At one time they were reporting that the balance was {$330000.00}. 

I received a letter from the attorney 's involved in the matter and they are saying that the amount that is due is {$3400.00}. I have contacted the attorneys concerning the matter. I have offered to pay only with the guarantee from them that this account be deleted from my credit report. Dispite several letters, I have had no response. 

Please see attached file which is the letter from XXXX XXXX XXXX. It clearly states that the balance due is {$3400.00} ... .not {$6000.00} as reported on the credit reports.
Consumer complaint received 2017-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

On XXXX/XXXX/XXXX I attempted to use an M & T bank branch ATM. I tried to withdraw XXXX $ from my checking acct with a balance of XXXX XXXX The ATM took a long time, deducted the XXXX $ from my acct and never disbursed it. The receipt showed the money dispensed but never did and the monies were deducted from my acct. I have had two phone conversations with m & t bank since and they tell me it will require a lengthy investigation that I can not wait for as I have pressing financial issues and live paycheck to paycheck. Essentially they stole XXXX $ from me.
Consumer complaint received 2017-11-12
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: Clarity Services (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Clarity services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-08
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. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

I lost my job in XX/XX/2020 due to pandemic. I reached out to Target and was informed that they were helping their customers by waiving late fees and payments until financially stable to do so. I was still charged {$63.00} in late fees and when I called was told by reps that there was nothing they could do and that I had to pay it.
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (CA)

This letter shall serve to provide more background to the complaint that I have made with XXXX XXXX on XX/XX/XXXX of this year. I submit this information under penalty of perjury and attest to the following. 
On XXXX, XXXX of this year, I was defrauded out of {$25000.00} by an online scam. The scam unfolded over a series of events, but it was initiated by an unauthorized transfer from my Wells Fargo credit line. This transfer was done without my permission or knowledge and Wells Fargo never alerted me to its occurrence- despite the fact that the account from which the funds were transferred had not been active for nearly 56 years. The fraudulent and undetected transfer formed the entire basis of the scam ; since it was disguised as an outside deposit and provided the entire basis upon which the subsequent events occurred. 
Given the prevalence of internet related fraud and the corresponding authentication procedures that have arisen in response, I was astonished to learn that there were absolutely no precautionary measures taken on a credit line that was completely inactive. More importantly, however, is that when I went to my local branch to complain, I was told by Bank XXXX XXXX XXXX that an investigation by Wells Fargo Online Fraud Department determined that you or someone who had your authority authorized the withdrawal of {$25000.00} from my line of credit. Therefore, we have closed your claim. ( Document # XXXX ). 
It is bad enough that Wells Fargo failed to properly flag and notify me of this serious breach of my account by an outside party, but I now am being told that I somehow am ultimately responsible for this unauthorized activity- despite the fact that I was never even made aware of it in the first place. This is completely unacceptable and a violation of the Consumer Protection Act of 1968 and the Electronic Fund Transfer Act of XXXX which protect consumers from fraudulent and unauthorized withdrawal such as this one. 
I am an XXXX widower and retired veteran. I have been a faithful client for close to 58 years and expect the level of service and respect that I came to know Wells Fargo for offering. I demand that I be credited back for the {$25000.00} that were taken from my credit line immediately. I have already notified the California Attorney Generals Office, The Federal Trade Commission and the Federal Consumer Financial Protection Bureau. If this dispute is not met with my satisfaction, I intend to take the following steps : 1. I will hire a suitable lawyer and initiate a class action against Wells Fargo Bank.

2. I will send articles about my experience with Wells Fargo to all the local newspapers and will go on television with this story focusing on my treatment by Wells Fargo Bank after 56 years as a Wells Fargo client! 
During these scam transactions my computer was frozen.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX on my Experian credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF THE WEST (KY)

A vehicle loan with Bank of the West that was charged off is reflecting negatively on my credit report. I have filed XXXX disputes regarding the information that is being reported under my name as it is not accurate however, the disputes are closed out and updated by the creditor adding more to the amount owed each time which in turn has continued to lower my otherwise good credit score. I have spoken with Bank of the West prior to the charge off occurring which was back in XXXX and again in XXXX at which time they were informed of the changes with the account along with the court order for the account holder to remain the only responsible party and for my name to be removed as I should no longer be legally responsible for this account. The court order was finalized XX/XX/XXXX. Since XXXX, there was a court order of protection in place preventing any form of communication between the account holder and myself and we received our final court order XX/XX/XXXX at which time the judge determined XXXX XXXX to be financially responsible for this account. I have communicated this information with Bank of the West with no avail. The last dispute I had submitted was closed out after information was updated inaccurately.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account is with XXXX XXXX. I mailed a payment by priority mail on XX/XX/XXXX. XXXX processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to XXXX XXXX falsely reporting negative information.
Consumer complaint received 2017-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX. 

XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance Cap One Inquiry from XXXX XXXX, XXXX Bank Cap One Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.
Consumer complaint received 2022-09-08
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MN)

Every day for about a week, commenity bank calls me 9 times a day and sometimes 4 times in less than an hour. I have asked them to stop calling so many times, I have asked them to take my number off their list, and even asked them not to call at certain times because they are calling during the time I go to bed. They have not stopped trying to contact me and have now started calling my mother as well.
Consumer complaint received 2017-11-12
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. (GA)

I received a copy of my Equifax credit report. The report showed credit inquiries that I do n't recall authorizing. I have called Equifax and the companies who requested the inquiries to no avail. I have no accounts with these companies listed below, and I have been given a complete run around by trying to get these items removed. 

Company Name : Date : XXXX XXXX XXXX XXXX/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 2017-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

You closed my account because you found it to be beyond the statutes of limitation. However, in XXXX you filed a form XXXX with the IRS for XXXX income in the amount of XXXX You should notify the IRS that you opened the account incorrectly, closed it due to an error in filing it, and filed the form XXXX in error. Thus far this has cost me close to {$2000.00} in payments and interest to the state and fed government. The money is being deducted from my refunds, taken from my bank account and now my social security is being threatened. I live on a fixed income and can not afford to lose any more of my hard earned money. 

This was never my account. It was opened in my name by a thug
Consumer complaint received 2017-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

My XXXX mortgage payment was made to Ditech Financial on XXXX XXXX in the amount of {$1600.00} on the online Ditech bill pay feature on their website. The website only allows you to enter the account number and routing number one time into their payment system when entering the payment. I provided the payment information and selected confirm payment. I received a confirmation email advising payment was submitted. On XXXX XXXX I received a letter in the mail advising me that my payment had not been applied and that I had been marked as 30 days late and a late fee was applied as well. I had the money in my bank account and because a XXXX was left out inin the account number section, my payment had been rejected. I immediately contacted Ditech to advise that I had made my payment on time & had I known before hand that the payment had not gone through due to the omitted XXXX in the routing number, I would have resubmitted the payment before it was marked late. I then made a double payment over the phone. 

The online system at Ditech does not allow the customer to entering the routing number twice to make sure the numbers are correct in order to prevent any errors. Ditech did not contact me by phone after the payment did not go through and and I did not get an email either. Since a letter was sent instead and it arrived causing the payment to be reported as 30 days late. When I asked Ditech to remove the 30 day late notice, they advised that they would not do this. I have paid the late fee, and having the 30 days late has caused my credit score to drop by 80 points. I have small children and the area I currently live in has become more rampended with crime.I am trying to buy a house in a better area, and now the 30 day late is causing me to not be qualified to buy a home. I have never been 30 days late on my mortgage with Ditech. 
If needed a bank statement can be show showing the money was available on XXXX XXXX for the payment.