davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with Bank of America. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named XXXX XXXX XXXX who governs the Bank of America and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my Bank of America checking or business account! Please help thanks
Consumer complaint received 2022-09-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I have applied for the Texas homeowner assistance program and XX/XX/XXXX and my file was updated on XX/XX/XXXX stating that my mortgage severer has not responded to their correspondences or emails and i was asked to contact PHH and ask them to please respond so that my application can be processed and completed. I called PHH and was told that they do not have anything from HAF program. I sent an email to the escalation XXXX Attention XXXX.. PHH continues to say that they have not received the request from the program and the program insist that they have sent the request and have received no responds, Case XXXX is my HAF number.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I received a letter today stating that I owed a minimum payment due of {$78.00} I have not used the card in months. 
I made a payment {$40.00} on XX/XX/XXXX, which was the balance due. 
Citibank is stating that the payment was late and has been charging me {$37.00} per month for late fee 's with no account balance. 
When I called they told me I owed {$110.00} in late fees but would deduct one month so I owed {$78.00}. 
I did pay it because I do n't want them XXXX with my credit. 
Most importantly I was unaware of all this until I received the letter today. 
I have never received a bill or an email that my account was in arrears. 
I am irate that they are charging me for a clean account balance.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CO)

A false charge of {$680.00} appeared on my Ally Bank checking account on X/XX/17. The merchant was listed as XXXX XXXX XXXX CA US. I contacted Ally teh following day to open a dispute. They in turn contacted XXXX. XXXX stated that the transaction was authorized and refused to provide a reversal. XXXX listed the Merchant Number as XXXX. The Seller was XXXX XXXX, email address XXXX. They also provided shipment tracking information showing that the merchandise ( whatever it was ) was delivered to XXXX XXXX XXXX, XXXX, NY XXXX. ( I live in Colorado ). Ally refused to provide a refund.
Consumer complaint received 2020-08-19
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following charged off account is reporting on my internal and external Chex Systems Consumer Report ID : XXXX, XXXX XXXX XXXX Checking Account for {$7500.00}. The account isnt my account. Its a fraudulent checking account. The checking account wasnt my account. Im not able to open up a checking account with XXXX XXXX  ( XXXX XXXX ) due to the fraudulent account listed on my internal and external Chex Systems Consumer Report. I have a current police report on file with Chex Systems in regards to me being a victim of identity theft.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (CA)

I received this card without requesting it and with no explanation attached or printed on the card, that this was an offer. I thought it was a replacement card for an existing pre-paid card I had but when I went to the site, it was asking for my social and date of birth. I found that suspicious, along with the card having a XXXX balance. When I called the company, NetSpend, to ask where this card came from, I was again prompted to enter my date of birth and full social. I declined and was transferred to an agent who then said that this was an offer and if I activated it ( after providing all my info ) I could use the card for paycheck deposits and such. I never requested this card, nor did my employer distribute these cards for paycheck deposits. It is very suspicious to request that information to activate the card without providing a description of what the " offer '' is. NetSpend should be required to fully explain what this card is and why the recipient is in receipt of the card. Appears to be a phishing scheme that NetSpend has gotten away with for years.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MN)

Signed up for a in store promotional credit card at XXXX XX/XX/XXXX Te deal was for {$35.00} XXXX credit on 1st purchase. 

I went ahead purchased four tires for {$320.00} at that time. XX/XX/XXXX Failed to receive the {$35.00} credit on billing statement XX/XX/XXXX. 
I called Walmart, they assured me it would be on the next bill statement. 

Now it is XX/XX/XXXX still no credit on latest bill statement. 
Made another call today, the tell me now their was some coding issues that caused latest error.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Tried to negotiate a reduced monthly payment with Bank of America, but since I was getting late on my payments, they closed my account. I have been a good customer for 10 years and still maintain both my personal and business accounts with them. 

Looking to reopen my business credit card ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA and request that some fees be waived or reimbursed. I currently have a line of credit of {$10000.00} and would like to establish a payment plan of {$100.00} per month. I plan to pay off the balance by the end of the year if my business credit card is reopened. 

I called a couple of days ago, but they were unwilling to assist with my requests to reopen my account, lower my payments, and waive fees. 

Please help me with this matter.
Consumer complaint received 2017-11-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc. (TX)

In early 2016 my doctor XXXX XXXX prescribed a XXXX XXXX XXXX for me. The machine was to be connected to my XXXX machine. I stopped using the XXXX XXXX and called XXXX XXXX to come pick the machine up. They told me they would have someone pick the machine up but never did until I informed them I was going to be moving out of state. They didnt come pick it up until the around the end of XXXX or early XXXX. They were billing my insurance {$330.00} a month for the machine usage. I spoke to XXXX about the charge of {$150.00} they charged me and told them I shouldnt have to pay all of that because I called them and told them to come get thier machine. When I spoke with the collection agency they said XXXX put in their notes that a doctor note was needed to pick the machine up. There was no mention of a doctor note being needed for pick up of the machine when it was prescribed nor did they have a note when they came to pick it up.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I notified Wells Fargo of transactions I did n't recongnize via their online messaging system. I listed mainly larger transactions, scrolling past minute charges such as fast food places. My account is shared with my wife and I did n't know how to tell what charge is from what card. So I simply did not include them in the message. The representative who received the message then opened a claim with these transactions. 

At some point prior to these charges occurring I misplaced my check card. I do n't know when and this is what I told Wells Fargo when I called them inquiring about my claim. The call was supposed to be recorded however everyone I speak to says that this is irrelevant because a decision has already been made. The representative that I spoke to for the 1st time regarding the claim did not notate the account that I stated I did not know when the card was lost. This is why I wanted them to pull the audio recording. 

I received a letter in the mail that the claim was denied and the provisional credit of {$1500.00} would be withdrawn from the account on XX/XX/2017. I contacted them as soon as I saw the letter. I stayed on the phone for 1/2 an hour with the first representative before she conveniently could no longer hear me ( she was perfectly clear ) and proceeded to hang up on me. She did not attempt to contact me although they ask for a valid phone number at the beginning of the call in case of disconnection. 

The gist of the call was that they denied my claim for a variety of reasons. Someone had logged into my account several times while the charges were occurring but the claim was not made right away, not all transactions were disputed, there was no balance inquiry, a transaction had been verified. I calmly explained gave my reasoning for this. 

My father was diagnosed with XXXX XXXX and I also became my mother 's XXXX XXXX XXXX XXXX. I am a mother of XXXX XXXX as well. My mental state during this time has been all over the place. I logged into my account to view the balance before making bill payments. That is all I did. When I made submitted the online message to wells fargo I left out transactions to places like XXXX, XXXX, ect. They were relatively small charges that did n't stick out to me and I did n't know if it was a charge on my card or my wife 's. They should have been included. There was a transaction regarding travel that I did n't recognize. I had stayed in a hotel but the name listed on the transaction was n't even remotely similar. I did n't recognize it so I submitted it in the claim. According to wells fargo, they would automatically deny the claim because of this. 

They are unwilling to assist me in any way regarding this claim. They say that it can not be reopened. I did not make the charges and should not be held responsible.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (TX)

I have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all.need to be removed
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies
Consumer complaint received 2020-05-02
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. (MA)

I suffered from identity theft after the XXXX  credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IA)

On XX/XX/2021 I sent a letter to ENHANCED RECOVERY COMPANY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-05-22
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 (FL)

I filled a complain several weeks ago against Bank of America. however, the person in charge of the case Mrs. XXXX XXXX did referred the case to an attorney who sent me a letter misleading completely the nature of the complain. I sent an email to that attorney asking questions and never got a response ; I also called Mrs. XXXX who never answered my calls either. 
Below is the information to follow up this case, Thank you very much for your help, XXXX XXXX XXXX XXXX, consumer specialist. case # XXXX CFPB case # XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Email XXXX XXXX
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I opened up credit card accounts with Capital One, XXXX   XXXX, XXXX XXXX XXXX, And XXXX XXXX. I only wanted a minimum amount of credit of XXXX for each card. I got from Capital One I believe was XXXX, and somehow I got an invitation from XXXX XXXX to open a line of Credit ( I never asked for ) ... they too charged me XXXX. XXXX XXXX forced me to take XXXX, I only wanted XXXX, and no more than XXXX. They opened my account at XXXX. When I lost my employment and was unable to make my monthly installments on time they kept tacking on interest rates that were too high for me to keep up, so I closed All of my accounts. Since my accounts are closed, are they still able to charge high interest to the accounts? I've asked for payment arrangements, and extensions to be able to pay my debts, however ; I wasn't able to keep up with payments, so they started to harass me with unwanted phone calls.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (GA)

I spoke to someone over the phone about 2 years ago and this is for a debt from XXXX, which is more than 7 years and was inflated from XXXX $ which was my credit limit on the paypal credit to over XXXX XXXX I have been threatened to be sued, called numerous times, letters in the mail. This is ridiculous.
Consumer complaint received 2016-05-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

XXXX/XXXX/XXXX a bill was submitted to the HSA by Sun XXXX XXXX for {$140.00}. The insurance paid {$67.00}. On XXXX/XXXX/XXXX balance of {$81.00} was paid out of the HSA and check cleared on XXXX/XXXX/XXXX. Since then we have sent proof of these clearing to sun city imaging yet they still sent it to collections. We shared proof it was paid with collections yet they continue to dun us.
Consumer complaint received 2020-01-20
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. (NJ)

I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.
Consumer complaint received 2017-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

On XX/XX/XXXXI found I had an open collection account on my credit report. I sent a dispute through the credit bureau disputing this XXXX XXXX XXXX XXXX that was on it. The amount was for {$1000.00}. 

On XX/XX/XXXX midland responded by sending a letter stating the are uncertain of what I am disputing and to please send more information on what was being disputed. Also one month statement was included. 

On XX/XX/XXXX I mailed a letter to midland requesting a copy of a signed agreement showing I owe XXXX XXXX any amount of money. I also requested some documentation showing that XXXX  purchased the debt from XXXX XXXX. 

On XX/XX/XXXX XXXX sent me another letter showing the same as the first letter they sent showing they are uncertain what I am disputing along with wanting me to send them more information.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have paid and held an account with XXXX to monitor my credit reports with TransUnion, XXXX XXXX XXXX. I recently applied for a new apartment and they ran my credit through TransUnion. The TransUnion credit report reported a criminal/traffic conviction for an open container with a filing date of XX/XX/2003 ; yet my account with XXXX never registered any of this information. 

I have disputed the information directly with TransUnion and I received confirmation that this negative mark on my credit would be deleted. 

I have provided the Consumer Financial Protection Bureau with a copy of the report in order to bring attention to the systemic practices of linking incorrect information on ones credit report solely based on a persons name without maiden name, age, birth location, social security number. There should not be negative records assigned to multiple credit reports solely based on a common name without identity verification.
Consumer complaint received 2019-08-01
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. (NY)

My TransUnion account is showing five of my XXXX accounts as delinquent even though I've checked with XXXX and none of my accounts are delinquent. All of my loans have been in deferment/grace period/forbearance because I was in school for the last three years. The dollar amount for each account is as follows : {$2000.00} opened on XX/XX/XXXX ; {$3400.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; {$4200.00} opened on XX/XX/XXXX ; and {$52000.00} opened on XX/XX/XXXX. All of this accounts are in good standing with XXXX and they are telling me they will do an inquiry which will take 21 days until the correct report is sent to the credit bureaus. I wanted to refinance my loans but am ineligible for all private loans now because of this issue. It does not seem like it will get resolved until at least a few months and in this time I will be forced to continue to pay the high federal loan interest rates.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BB&T CORPORATION (VA)

My account was overdrawn this week. That evening, I received an email from bank stating that I could incur charges on day 7 of being overdrawn. I made a cash deposit the next day. I then found out that they had already deducted {$100.00} in fees. They then began charging my account for several subsequent transactions which they claim put my account into a negative balance, totalling {$210.00}. One of the fees charged was for the institution 's own $ XXXX monthly fee. I was unable to rectify the problem at my local branch or at the help phone number.
Consumer complaint received 2017-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

XXXX XXXX XXXX acct XXXX a collector for XXXX XXXX. 
is attempted to collect a debt that was covered by insurance at time of service. 
the debt is an error on XXXX credit report