davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020, two unauthorized withdrawals were made from my Bank of America checking and savings accounts, totally {$9000.00}, from two branches in Maryland. I called Bank of America within minutes to report the fraud. I have filed police reports and reports with the FTC and submitted all documentation to Bank of America by both fax and certified mail. I have contacted the Bank of America fraud department on seven occasions hoping to have our funds restored. Bank of America has not reached out to me and will not provide a status update regarding the investigation other than to say they plan to take 60 days to investigate. I believe this time frame is in violation of the CFPB 's rules for investigating and restoring funds. I am requesting an immediate response from Bank of America about the status of the investigation into this fraud and immediate restoration of funds.
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

This company ( XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2100.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX I made two purchases from XXXX XXXX XXXX, one for XXXX dollars and the other for XXXX. The one done for XXXX0 was a mistake done by XXXX XXXX XXXX. The representative said she will return the funds back to me. A week later she contacted me and stated the funds wasn't release to her, therefore she was unable to return the item at this moment. Another week has gone by, so I contact them ago and the funds has still yet to be release to them. XXXX, the sales rep at XXXX XXXX XXXX, told me to contact Capital One and do a dispute for the the XXXX dollars double charge onXX/XX/XXXX. I disputed this transaction and received a credit until the investigation was completely. OnXX/XX/XXXX I see a transaction refill for XXXX dollars. I contact XXXX XXXX XXXX to see if they have received the funds and they said NO!
Consumer complaint received 2018-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

My loan servicer ( XXXX ) mistakenly applied a retroactive forebearance to my loan payments for the months of XX/XX/XXXX-XX/XX/XXXX after I had already made the payments in full and on time. They are now refusing to count those payments as part of my public service loan forgiveness ( PSLF ) qualifying payments. In addition there are various other months where they miscalculated my payments and as a result they are 16 months short of what my records indicate the right number should be. Since XX/XX/XXXX I have been requesting a review/recount and have been strung along by them repeatedly. The latest excuse is that they are waiting on approval for an expedited review since it has been so long, but even that approval has taken them over a month.
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (IN)

Within the past 12 months, I opened two store credit cards : XXXX and XXXX XXXX XXXX and XXXX XXXX issued these cards. I began receiving threatening calls from XXXX XXXX  representatives in XXXX ( XX/XX/18, XX/XX/18, and XX/XX/18 ; I received one call prior to XX/XX/18 where the individual stated he was from XXXX XXXX but I did not write down the actual date he called ). The calls are stating I need to give them the name of my attorney and I need to return their call immediately as they need to take action on my account. I've only returned one of these threatening and upsetting calls and when I spoke to the person, she could not tell what she was calling about or why I needed an attorney. 

I contacted XXXX and XXXX XXXX XXXX about my accounts and both businesses confirmed my accounts have a XXXX balance ; I requested a XXXX balance letter from both companies and have the letters in my possession ; they are dated XX/XX/18. 

All of them are telling me to return a call to XXXX and when I call the number, it answers, " thank you for calling XXXX ''. I want the calls to stop. I have listed my phone and my employer 's phone number to stop the harassing calls. Please help.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

First Notice from Rash Curtis Assoc On XX/XX/XXXX, ( received XX/XX/XXXX ) letter with an attempt to collect a medical bill from XXXX XXXX XXXX XXXX  located in California. Rash Curtis provides client ID # XXXX for {$39.00} date of service XX/XX/XXXX. I replied with a dispute on XX/XX/XXXX. To inform XXXX XXXX the medical bill is a fraud never lived in the state of California. 
Second Notice On XX/XX/XXXX ( received XX/XX/XXXX ) letter in an attempt to collect a medical bill from Rash Curtis to collect a debt from XXXX XXXX XXXX located in Texas for the date of XX/XX/XXXX for {$28.00}. I replied with a 2nd attempt to dispute the medical bill. The notice had the same client ID # XXXX. Again replied the medical bill is a fraud and never had any services with this hospital group. I also include a letter dated XX/XX/XXXX with fraud alert notice of data breach with my identity information from XXXX XXXX XXXX. I did proceed to contact all three credit bureaus to put a fraud alert on my identity. 
Third Notice On XX/XX/XXXX, received on XX/XX/XXXX, Rash Curtis again, the third attempt with original services located at XXXX XXXX XXXX XXXX, Texas. 
On the third attempt, Rash Curtis Associate again is demanding payments with a threat to damage my credit for the date of XX/XX/XXXX. The location had changed from California to XXXX, TX which is over XXXX miles apart. 
However, Rash Curtis has changed the location of the states and the medical reference name but with the same client ID # XXXX to make their collection legal to collect this fraudulent medical billing debit. I had informed Rash Curtis Associates of this error to collect this medical debit and it is a fraud. But Rash Curtis is still sending letters attempting to collect an old medical bill from XXXX. Before the four years, the collection will be invalid. 
I have never received any previous medical billing from the client ( s ) XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have paid my final balance with XXXX XXXX and they have said they have requested in XX/XX/XXXX to remove the account from my credit report but as of XX/XX/XXXX it has still been showing. please rectify the removal of this from my credit report as promised.
Consumer complaint received 2022-04-29
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: SYNCHRONY FINANCIAL (VA)

I made purchase for {$110.00} using Paypal credit on XXXX on XX/XX/2021. I called the merchant phone number listed on the web site next day where I made purchase but it was saying if I'm calling about XXXX  then its fraud so I reported to Paypal Credit next day morning. 
Since then I keep calling Paypal credit but the customer service keeps telling me that it will take time and sometime in XXXX they said XXXX produced the tracking number for the delivered goods but I never received the merchandise. I re-opened the case again with Paypal credit again. Their customer service keeps me telling I don't have to pay so I did not pay. Now they keep adding fees and interest and now its {$240.00} and they have closed my account also. I finally gave up and I paid {$240.00} today. They said they sent me letter saying they have confirmed from the seller that they did sent the goods but I never received it. 
I paid it because I'm afraid of the way they are adding fees and I don't have time to call them every time and spend almost 30 minutes. 
But I believe its bad practice that Paypal is using and running fraudulent shop behind the scene also instead if freezing the payment they are using scare tactics to add fees so that a good person end up paying it and that's what happened and I paid it. 
But question is someone need to investigate this and I should get my money back, they must be doing this with many people.. 
I have attach the screenshot of where I made purchase and I believe merchant is fraudulent.
Consumer complaint received 2021-05-06
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: KLS Financial Services, Inc (NC)

I have received a copy of my credit report and it shows company KLSFINANCIAL ( Original Creditor : XXXX  XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (TX)

I was notified recently there was a charge off from XXXX XXXX XXXX/XXXX while attempting to acquire a home loan.  I contacted the lender and we agreed to a settled amount.  I asked that the item be deleted from my account as I never received notice of the outstanding debt via certified mail.  They refused.  They were only willing to show the debt as paid for less than outstanding amount.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (NY)

I submitted a dispute asking Equifax to provide the method of verification of the Bankruptcy they're reporting in my name. They responded stating they verified the info by contacting XXXX XXXX. However XXXX XXXX said verbally and in my XXXX XXXX report ( Attached, XXXX ) that they do not list a bankruptcy for me. Also I called Equifax and spoke to a representative XXXX who said they received the bankruptcy info from the court house in XXXX, NY. I contacted the court house in XXXX, NY and they said in writing ( attached ) that they do not provide information to Credit Bureau Agencies.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The XXXX XXXX Account that is listed on my credit report was deleted and appeared again. This account was unauthorized and was removed from my credit file around XX/XX/XXXX. This account has reappeared again and is damaging my credit file. Please delete this fraudulent account immediately as this was not authorized by me. Attached below are documents that support my dispute in reference to all of my personal being compromised from XX/XX/XXXX- XX/XX/XXXX on the black web, sold to creditors and also was found in several data breaches. XXXX XXXX and XXXX XXXX are two account that were not authorized by me and I am requesting for deletion. Please check the history and past deletion of both account on the approximate date above. These two accounts were previously deleted and has reappeared.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

Transaction date : XX/XX/XXXX Posted date : XX/XX/XXXX Amount : {$80.00} XXXX  : Gasoline Credit card company : Chase I went to get gas at XXXX gas station. The gas station said I spent {$80.00}. They charge me {$80.00} for gas which it is impossible to fill my car with {$80.00}. It would over flow. I called the credit card company and they disputed. and took the charge off. then XXXX charged me again for the {$80.00} and I called the credit card company again and now they will not take the charge because they said XXXX   charged again meaning that the charge is correct. 
The charge is NOT correct. They stole my money and the credit card company will not dispute anymore. they over charged me when put gas. extra {$80.00} would over flow with gas. and the credit card company does not get it.
Consumer complaint received 2021-08-18
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. (PA)

I have submitted an identity theft report and I have disputed the account listed as XXXX/XXXX/XXXX  with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever XXXX dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.
Consumer complaint received 2021-01-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (VA)

Back on XXXX XXXX, XXXX I was informed by a mortgage lender that Flagship Credit was still showing a balance of {$10000.00} on a XXXX XXXX XXXX which was showing open on my credit report. I had surrendered the truck to them in XXXX and was informed to take my tags off which I did. On XXXX, XXXX I called Flagship Credit and I talked to a gentleman named XXXX ( which he never gave his last name ) about the truck loan. XXXX said that I have an unpaid balance of {$10000.00} but he could drop it down to {$7000.00} or as low as {$3500.00}. I asked how did you come up with those amounts. I asked if he could mail me proof of balance owed and to let me talk it over with my wife and I call him back. I later that day called back and spoke with another gentleman ( this never gave his first or last name ). He informed me that the loan would have to be paid off in 24 months at which he denied to except my {$50.00} a month payments. I then asked to speak back with XXXX and this gentleman said XXXX was at lunch but he would have him to call me back which he never has. I asked if he had my number and he replied its on the caller id. With no response I then emailed them on their website with this matter twice and still no response. I've since tried to access my account on XXXX XXXX which now says account is closed and log on is disabled.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (DE)

The original creditor listed is XXXX. I contacted XXXX as I did not open a XXXX account in XXXX or XXXX. They told me they can not discuss as it is now with a creditor. I questioned why there was two accounts with separate amounts and dates. I have not had any XXXX account XXXX or XXXX.
Consumer complaint received 2022-04-29
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. (PA)

I looked at my account and noticed inquires I contacted them on XX/XX/2022 asking them to validate this information I made them aware that this was also fraud I was told it would be removed and it still remains on my records also addresses that were not mine
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I have tried to resolve my issues with wakefeild and associates for over a year. They are claiming I owe a debt to XXXX XXXX XXXX. I have asked for validation. They provided me of a printout of a supposed bill. with no information about XXXX XXXX XXXX.i have tried contacting XXXX XXXX XXXX to no avail. They do not appear to be an actual business. the phone number listed is not in service and the address is for a XXXX XXXX in XXXX. I have tried numerous times to get information about XXXX XXXX XXXX  from wakefield and associates. They have refused to give me any information on how to contact XXXX XXXX XXXX to verify that this infact a valid debt
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX reports I owe {$2800.00} to them on my credit reports this is my last attempt to try to get them to remove this account from my credit reports before i use my tax money to get a lawyer and sue XXXX XXXX XXXX XXXX and the crecit reporting agency 's. I did not make the charges on this account never received tge card in tbe mail these are not my charges.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I. I have attached a copy of the police report to this dispute. I have never visited this doctor or received any services from this doctor 's office.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (PA)

Several years back I enjoyed using my discover XXXX credit card tremendously. For two or three years in a row I'd use roughly $ XXXX in credit with it a year. 

My credit limit is $ XXXX with them and I've asked them to increase my credit limit for three years now and they've repeatedly rejected my request despite my annual income, credit score, and personal payment history with the vendor being exceptional. 

The reason they continue to reject me is because they failed to honor a fraud dispute I placed one year, which wouldn't cost me {$2500.00} had I not sued them and the vendor in court to determine who was at fault for causing and perpetuating the fraud that had occurred ... Due to the litigation, they are retaliating against me by rejecting all my requests for credit limit increases.
Consumer complaint received 2018-02-08
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. (FL)

As of last XX/XX/XXXX-XX/XX/XXXX, I have been trying to dispute several account showing under my name and Credit Bureau keeps reporting, XXXX XXXX  {$250.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX Paid in full/Satisfied Experian reporting negatively XXXX XXXX XXXX {$1000.00} XXXX   XXXX- PAID as of XX/XX/XXXX.
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I was told my credit card account was sold to XXXX XXXX XXXX. I called them at XXXX. After speaking with XXXX XXXX, XXXX XXXX, and supervisor XXXX XXXX. I was told I was being represented by an attorney, which I am not, nor have I ever been. I attempted to set up payment arraignments, but was refused. Due to the three representatives refusing payment do I consider the debt forgiven? If there is monies owed why would they refuse settlement or payment?
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX CARD # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
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: U.S. BANCORP (TX)

FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX