davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Account Name : 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 XXXX XXXX XXXX XXXX - These accounts are inaccurate. The days late is inaccurate. Experian is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Experian SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. Experian has failed to respond.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had my identity stolen. A bank account was opened under my name in Bank of America. I only found out when I received the email from such institution regarding a new account opened under my name. It was done online which anyone can do now. 
I went to a Bank of America branch to complaint about this account that was opened without my authorization. Now, I have my credit frozen with the three bureaus since 2019 so, how come Bank of America opened an account without a credit inquiry? When I asked them about it, they said that when someone opens an account online they just ask for the social security number but they don't do a credit inquiry, they just open the account. 
So, it looks like freezing my credit with the bureaus it is not a secure measure anymore, this action makes me feel totally vulnerable to scammers, since now they just need a social security number to open an account with Bank of America. 
Also, they said they couldn't give me anything on paper that proves that this account was closed and that I was clear from anything that could happen or charge this account. So, even today I don't have anything in writing from them stating that this fraudulent account against me has been closed other than the representative over the phone telling me " believe me, it is closed '' ... 
The last email I've received from Bank of America, was stating that my email address was updated and I was able to see the scammer 's email address which is : XXXX. 

Bank of America XXXX XXXX : XXXX Fraudulent Account Number : XXXX
Consumer complaint received 2016-09-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank keeps denying me a checking account for no reason. I have had a checking account with them once for 2 weeks which they have closed with no explanation. I have tried to apply and open a new account with them however they keep refusing it with no clear explanation.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (IL)

I set up a TD Bank checking account in my former state and then moved to a new state where there are no TD Bank branches. I have called for months now to close my account with TD Bank, however, they continue to charge overdraft fees, maintenance, fees, and paper statement fees. There has been no purchase to overdraft the account, only TD bank fees. TD Bank was charged with illegally collecting overdraft and maintenance fees in 2020 and was charged by the consumer finance protection bureau, which resulted in them paying millions of dollars in compensation to those affected. They are now saying they only have one record of me calling to cancel the account, and that no action was taken after that point. I have spoken to them on three separate occasions on which they have refunded a portion of the fees but refused to refund the net positive balance of {$33.00} to my account which they claim I would need to go to a branch to do and then close the account from there. In the state I live there are no TD Bank branches and I have told them this many times. They refused to help and continue to charge fraudulent fees. On my last call, the representative XXXX ( call time XXXX CT XXXX ) told me that she would not refund my account if I was to contact the consumer finance protection bureau about the matter. She then got very snippy with me and told me my only options were for her to refund {$50.00} of fees but she would need to close the account that day. I told her this was not OK and again told her the history of the account to which she said she could either refund the {$50.00} or I could contact the consumer finance protection bureau. I then asked her if she was aware of my right as a consumer to report this behavior and that it does not hinge on my request that TD bank not charge fraudulent fees to my account and assist me in closing the account. She was essentially giving me a choice to forfeit my money which TD Bank has taken by refusing to close my account and continuing to charge overdraft, maintenance, and paper statement, fees, despite months of records of me, calling, and asking them to cancel my account. I feel like I am in a catch 22 and a big bank is trying to bully me Into forfeiting the money that was left in my account and also not having me reach out to let the consumer finance protection bureau know that they are demonstrating the same behavior again. I asked that you look into this to the fullest extent that you can, and am asking for your help. Every time I call they continue to go over the language of their account and state that I owe them this money, and that they are doing me a courtesy by refunding a portion of the maintenance fees. My response has always been the same. They are talking about an account which should have been closed months ago and which they continue to charge fees to. Please help.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion never allows me to obtain a free credit report from annualcreditreport.com. I have had success obtaining XXXX XXXX XXXX. 

I always get this response from Transunion : Unable To Complete Your Request Online. 

Or this response : Unfortunately Your Request Can not Be Fulfilled Online At This Time. 

The problem is they then recommend that you request your report using one of the other options which is by phone or mail and that can take up to 15 days as opposed to getting it at annualcreditreport.com the same day.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Enerson Law, LLC. (NE)

Enerson Law firm sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt Enerson Law Firm is attempting to collect is over XXXX 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with Enerson Law Firm after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - US XXXX XXXX. If Enerson Law Firm does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (WA)

I received a debit card for XXXX dollars from a legal settlement from MyPrepaidCenter.com. Attempts to use the card have been unsuccessful. And it now shows I have a XXXX balance even though I have not used the card. Card number is XXXX expires XX/XX/XXXX cvc code is XXXX Name on card is XXXX XXXX This is a scam. When calling help line there is no place to call for help. Nor on the Web site
Consumer complaint received 2022-02-11
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. (UT)

Ive contacted TransUnion on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as TransUnion investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.
Consumer complaint received 2017-03-14
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The collection agency is attempting to collect on a debt that is very old, and therefore the collector can not provide a suitable basis for further legal action. The account has been charged off and no longer appears on my credit report. However, the collector continues to harrass me. I receive fequent, often daily, phone calls from the collection agency despite repeated requests for these calls to cease.
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

XX/XX/XXXX I submitted XXXX # XXXX. I started receiving calls on my landline from Portfolio Recovery. They never left a message ; just kept calling. I indicated in this case I have no debt but my mortgage which I pay timely monthly. I requested you have them write me regarding the purpose of their calls. You sent my complaint to them. They responded they needed my account number or telephone number at which you received our calls. Since I have no debt, I have no account. If they want my telephone number, I gave it to you in my complaint. If they want their telephone numbers, I gave one number. Every time they call, they use a different number. A XXXX search of this firm says they have over XXXX different phone numbers. Latest Portfolio Recovery phone number they used today XXXX is XXXX. You have my name, address, home phone, which should be enough for them to write me about why they are calling. Since they are calling my landline, they must have some record in their computer that links my name and landline phone. Please require them to write me why they are calling. Thank you very much
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (TX)

I attended XXXXXXXX XXXX in the year or XXXX Upon the covid pandemic the school closed and i wasnt aware or informed that the school would be closing and now i am liable to pay for a school loan that I didnt even have the opportunity to finish the program for. I believe it is unfair and i shouldnt have to pay for the school loans
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Miland credit management for {$480.00} and {$540.00}, are on my credit file and after multiple attempt to open any account if it were a true collection, would be there, but after inputting my personal information and social which is above all there is no connection nor match to my Name/Social Security so please remove it. They want to act like they are in charge and I would to stand for any harassment when they cant even provide on their official page
Consumer complaint received 2022-02-11
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has increased my rate steadily from 9.99 % to 25.24 %. They took my whole balance and converted it to the highest rate possible. This all started in XXXX, almost 10 years ago! They have been charging me up to {$480.00} a month in interest!!! Unbelievable!!! I have lost over {$50000.00} alone in interest on this XXXX card. I 've been trying to pay it down, but the balance originally was {$25000.00} and the interest very extreme. I can no longer pay almost {$1000.00} a month to just slowly bring down my interest amount, now at {$440.00}. They 're XXXX me!!
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing this letter regarding the violations against me as a consumer by this credit bureau. 15 USC 1681 section 604 section 2 states ; In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.Furthermore, 15USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and Experian can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. " The furnisher of information does not possess written consent from me to access my personal information. 
Therefore, Per the FCRA as a federally protected consumer, I am now opting out immediately and indefinitely of any and all transactions I the consumer may have given unknowingly. Written, Unwritten, verbal, or non-verbal per 15 USC 6802 for all the following accounts : 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 2023-04-13
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 (FL)

XXXX Disputed charge from XXXX XX/XX/2023 -- Barclays Mastercard advises investigation states that merchant already credited account XX/XX/2023 XXXX was reapplied by Barclays stating that merchandise was not returned XX/XX/2023 -- Faxed Barclays proof that merchandise was returned. 
XX/XX/2023 -- Barclays refuses to return money stating insufficient proof was sent. 

Barclays also makes it virtually impossible to speak with a lice person and keeps me on the phone transferring from one department to another with no results.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (AL)

My credit card company, American Express, has reported inaccurate information about my account status on my credit report with Equifax and other credit reporting agencies. In addition, American Express deceived and misled me into believing that my credit card account was current when it was in fact not current. American Express has reported that my credit card account was 30 days past due in XXXX 2016 and 60 days past due in XXXX 2016. That information is wrong and inaccurate based on my billing statements. For that period, I paid the minimum amounts due by each due date, as indicated on my billing statements. 
On my XXXX XXXX, 2016 billing statement, it stated that the minimum payment of {$170.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$170.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$50.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$50.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$190.00} was due by XXXX XXXX. Through electronic withdraws from my checking account, I paid that {$190.00} amount in XXXX installments on XXXX XXXX, XXXX XXXX, and XXXX XXXX - all before the deadline of XXXX XXXX. 
My XXXX XXXX billing statement is the FIRST time that American Express informed me that my prior payment of {$170.00} ( for the XXXX XXXX billing statement ) was not paid by my checking account bank. Indeed, as stated earlier, as of my XXXX XXXX statement, the only amount that American Express told me that I owed was {$50.00}, which I paid on time. American Express did NOT inform me on the XXXX XXXX statement that my payment of {$170.00} for the prior billing period was not paid by my bank. Thus, at the time I received my XXXX XXXX billing statement, I reasonably believed that my account status was current because that is what my statement expressly stated. Once I received my XXXX XXXX billing statement, I realized that my {$170.00} payment was returned, and then I paid the amount owed ( {$190.00} ) BEFORE the due date listed on that statement. 
I spoke to a supervisor at American Express on Monday, XXXX XXXX, 2016, and she refused to correct the inaccurate information on my credit report.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

Over the summer American Express offered XXXX sky miles points for those who spend over 2000 during the first three months. Previously, over 3 years ago I closed an account with this card and was wondering if I applied would I be eligible for the rewards. So, before applying I went and spoke to an American Express agent at the airport ( XXXX ). They told me that because of the time between accounts ( plus AE had different offerings at that time ) I would qualify for the bonus points if I spend the required amount. From that conversation, I went home applied, got approved, and spent the required amount. Now American Express is not awarding me the points because I 'm not eligible for them .... I feel completely taken advantage of and feel like that agent told me this just so that American Express can have one more card holder .... I 've reached out to them and they 've opened and closed a case investigating this issue without giving me the points I 've earned. Right now, I completely understand the qualification of this card, however, I should not be the person punished for the mistake their employee made by telling me I would qualify
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (AL)

I have been a XXXX card owner for many years. The amount is high, and have been paying $ XXXX XXXX each month. In XXXX, XXXX, I inadverntly paid another XXXX 2 X and thought I 'd paid XXXX. Statement of XXXX, showed {$37.00} overdue. XXXX, I paid {$40.00}. XXXX, XXXX, demanding {$120.00}. A call from them was received. I went through this with XXXX several years ago. After I read that your agency settled with them over too much interest, my gas card had {$200.00} credit on it. I feel the same old thing is going on with XXXX. I do not use the card now because of what I owe on the bill. I had been paying regularly until the XXXX incident.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NV)

On XXXX I purchased a window from XXXX 's using my Macy 's American Express credit card. 
My window was damaged soon after install. I wanted to use my XXXX credit cards Purchase Protection. 
I contacted Macy 's whom said the card is an Premier Classic XXXX card but only has travel protection. 
All XXXX Premier cards have Purchase Protection. 
This card was issued by Department Stores National Bank ( Citi group/bank ) DSNB. 
I was lied to. 
This is not an XXXX card, and does not have the XXXX Protections. 
I would be open to a class action lawsuit against these companies for deceptive practices and the money I am out of pocket for using their card rather than a Visa XXXX which does have the protections no matter the issuer. 
I am not happy about being deceived into a worthless bank card with an XXXX logo affixed to its front. 
I am not happy with Macy 's for saying its an " Macy 's American Express '' credit card. 
This site shows the advertised premier XXXX card from Macy 's with list of protections : XXXX Protections listed include " PURCHASE PROTECTION '' as this a CO-BRANDED credit card. 
Macy 's is lying, as is DSNB, about its cards and protections. 
Thank you, XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$1500.00}
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. On XX/XX/year>, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account : 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