davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My daughter did not had a bank account and wanted to apply for a cash loan I provide her lender my information to deposit funds to my account to transfer to her. Apparently was a scammer who pretended to be me and use my information to file a claim and stated that the ATM was faulty and that I deposit XXXX which it was not correct. The Bank without question issued a credit to my account but my account stayed the same fund amount without any change. The XXXX was deposit from XXXX XXXX and I proceeded to transfer to my daughter XXXX XXXX  to help her. I received a letter of a claim from bank a America I never claimed I called Bank of America on XX/XX/XXXX to state that it may be a scam since I never authorize a claim. I trusted they closed the account but instead the proceeded to investigate without closing it. No paper work or background information was provided to me showing I was the one making deposit of XXXX in the ATM nothing no explanation but they decided to deduct out of my account XXXX without explanations.I want full refund of that transaction and stop further deductions to my account. What they did is illegal and I demand proof it was me who did this transaction. A scammer pretended to be me and now Bank of America want to penalize me for it.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I was part of the Experian Hack That leaked people 's information can you tell me that I was part of that effect liable for compensation but my credit has been compromised.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

I called and canceled my XXXX services XX/XX/XXXX. As per their policy they sent me a box to return all of their items in. I fully packed the one large box they sent with each and every item I had ever received of theirs. I then took this box to work and had my daily XXXX driver take it. About one month later I started receiving the harassing phone calls from XXXX claiming I did not return all of their items. I did. Many phone calls, some of which were heated, ensued. They continued to harass me at home and at work until in XX/XX/XXXX I started receiving phone calls from a debt collector regarding this matter. Credence Resource Management LLC is the debt collector. They are attempting to collect {$190.00}. I do not owe XXXX or this debt collector one penny! I returned each and every item.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION (OR)

I had a card opened with a company called Truist, a company based in North Carolina. I live in Oregon, so someone must've gotten my government identity to file for this card. They proceeded to charge XXXX dollars, overdrafting said card and potentially damaging my credit in the process.
Consumer complaint received 2019-08-10
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. (CA)

I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX XXXX XXXX XXXX., No. XXXX ( C.D.Cal. XX/XX/1995 ),
Consumer complaint received 2019-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (SD)

I ended services with PayPal several years ago. I informed them to terminate my accounts and remove my information. Synchrony bank aquired what used to be their credit arm, BillMeLater. Despite repeated attempts with the company, Synchrony/PayPal Credit continues to hold the account open. I have not used this account since long prior to cancelling PayPal. There is no balance due. I have emailed and called them. On XX/XX/XXXX of 2019 I called and spoke with a representative. She assured me that the account is now closed. I received a follow up Survey request on XX/XX/XXXX and XXXX. Today I received another email reminding me that I have a PayPal Credit account. 
I am very tired of dealing with this. 
I do not wish to call them again, because I promise I will not be nice.
Consumer complaint received 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX  on XX/XX/XXXX 2. XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  XXXX on XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The seller is the XXXX XXXX XXXX  XXXX Debt collector is : Portfolio Recovery Associates LLC. 

My name is XXXX XXXX. I'm filing a complaint in regard to unrelated bank charges while having an account with XXXX XXXX XXXX  for {$2000.00} toward my account. I have disagreed with the bank related to charges of my account. After the dispute the bank sold the amount to debt collector agency Portfolio Recovery Associates LLC.
Consumer complaint received 2020-07-06
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible XXXX XXXX {$570.00}
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (LA)

Phoenix Financial Service placed a collection on my credit reports in XX/XX/2020. I was confused as I do not owe anyone money, so I called to inquire. They stated it was from a medical bill from XXXX XXXX XXXX, but I have not lived anywhere near that hospital nor been to it in over 10 years and Phoenix said they did not know the date of service or any other details- that is the first illegal thing. I was interested in settling the debt, but was then told by Phoenix that they sold the debt, but they couldn't find out who they sold it to in the system. I spoke to three different people and none of them could tell me who owns the debt or how to pay it. How can I possibly get something off the credit report if the creditor can't even tell me how or to who? Also illegal. Lastly, I was told that they had the debt for several years ( yet didn't report it until 2020 ) and, " Don't worry, it will fall of your credit soon since it's so old ''. Completely unprofessional and was also a lie, since it is still on there 5 months later. Disputed with XXXX  and it was denied, so they obviously received different information than I have. I have never received any written communication from Phoenix either, before the collection or since I found out about it, which is also illegal.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NV)

I already had a Credit Credit card and I was issue a new one in XXXX of 2019. I destroyed the old card as required by Care Credit. Care Credit reported this to the credit bureau 's an a " new '' account and it was not because I was issued a new one that replaced the old one. They also reported the card that was replaced as a " closed account '' and both these reported affected my credit score negatively ( points taken off ) and caused a major delay with getting a mortgage for a home. I called Care Credit with the mortgage company agent on the phone and we were told that they would not issue a letter admitting that they were wrong and that the mortgage company had to take her word that the credit bureaus were wrong. We both explained that we were asking for a letter stating that a new account had not been opened and that an account had not been closed. The Care Credit agent said that it was the fault of all of the credit bureaus and that Care Credit would not admit to wrongdoing. In addition, the agent for Care Credit said that we had wasted 16 minutes of her time because nothing was going to be corrected.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION XXXX, 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 2022-04-02
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. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION XXXX, 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 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NV)

I refinanced with XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX in XX/XX/XXXX. My loan was sold to Flagstar Bank XX/XX/XXXX. 
There has been a {$50.00} fee added along with my mortgage payment since my account has been with Flagstar. I've been calling both companies since XX/XX/XXXX to have this removed. Flagstar claims the fee came from XXXX and states it is some sort of foreclosure related fee. I didn't have this fee when with XXXX and have never been late on mortgage payments since buying my condominium in XXXX. XXXX claims no knowledge of the fee. 

My suspicion is my account was mixed up with another consumer during the transfer of my mortgage. I haven't paid the fee and am getting nowhere with having this error reversed with either company.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (WA)

On approximately, XX/XX/2019, I applied for a credit card with Walmart thru Synchrony bank. The ONLY reason I applied was for {$25.00} account credit with the initial purchase with the card. The {$25.00} credit would be issued only if a purchase was made on the same day the application was approved. 
My application was promptly approved and I was issued a temporary card number which was guaranteed could be used for online purchases. I attempted several times to make an online purchase on XX/XX/2019 ( as I remember the date of application to be ) using the temporary card number. Each attempt to purchase online the same day of the application approval ( as required by the application agreement ) using the bank issued temporary card number was declined. 
I was forced to wait arrival of the physical card before making my needed purchase on XX/XX/2019. 
Upon receiving my first statement for the Synchrony MasterCard, I noticed there was no {$25.00} credit, as promised by the promotional offer. 
I immediately contacted Synchrony bank on XX/XX/2019. The bank denied any responsibility for the {$25.00} credit. They said I had not met the terms of the promotion, i.e. making a purchase the day the application was I approved. 
I explained to Synchrony bank the temporary card number was denied several times when I attempted an online purchase the day of credit approval. 
I had attempted to meet the promotional criteria by making a purchase on the day of credit approval, but Synchrony bank had failed to meet it's obligation by not accepting the temporary card number to make the purchase. 
At this point, the bank rep said a request for the {$25.00} credit would be submitted to higher up, with no guarantee of approval. 
ON XXXX-19, Synchrony bank sent an email saying the {$25.00} account credit would NOT be forthcoming because I HAD NOT MET THE PROMOTIONAL CRITERIA. 
I believe this " promotion '' was just a scam to promote business. Synchrony bank failed in it's promotional obligation by denying my attempts to meet my promotional obligation ... .i.e. promising the temporary card number could be used to make online purchases and then rejecting attempts to purchase.
Consumer complaint received 2022-04-02
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: National Credit Systems,Inc. (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-05-04
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. (VA)

Good morning, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2019-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I closed my Citizens Bank account on XX/XX/2019. However, I just received notice from Citizens bank that they reopened my account ( without my authorization ), and processed two unauthorized debits ( {$16.00} to XXXX and {$14.00} to XXXX XXXX ) plus charged me an overdraft fee of {$35.00} for each. The total they are charging me on my closed account is {$130.00}! 
Note : The issue of the automated {$16.00} per month to XXXX, arranged by my wife who passed away in early XXXX, 2019, has already been reported to the CFPB separately. As for the {$14.00} to XXXX XXXX, my plan was cancelled as of XX/XX/2019, due to my moving out of state to CO. So, no debit should have been authorized, Besides, I no longer have an account with Citizens Bank! 
Please see my earlier complaint for more information so you can understand the history behind this and all the attempts I have made the past fews months to get issues with Citizens Bank resolved. These people have been impossible to deal with, no regard for me as a customer, let alone a Veteran and retired senior citizen.
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (WA)

The collection agency is collecting for a non debt. I cancelled that company and they provided no services for the money they want. The so called prescription coverage was cancelled when I had a XXXX copay on a prescription that cost me without insurance XXXX. Not only are they thieves so is the collection agency that attempts to collect a false debt. If this goes on my credit report I will sue through the Attorney Generals office of the state of Washington. Collection companies should be required to make sure they are collecting a valid debt otherwise things like this happen. I am not your normal passive take it in the XXXX person I will pursue this to the end and beyond. I am so disgusted with rip off health care I am devoting a part of my life to make companies accountable.
Consumer complaint received 2021-09-02
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (IN)

Account XXXX ... XXXX XXXX XXXX XXXX. 

I have been a long time credit card customer of XXXX. They don't care one bit about the fees they charge. I contacted them because I paid off my credit card all but apprx XXXX. I paid them {$4500.00} on XX/XX/XXXX. On XX/XX/XXXX, they want to charge me {$68.00} in interest? 

This what they said " Any time your statement balance is not paid in full by the due date, youre assessed interest on the average daily balance. Your previous statement balance was {$4600.00} and we received payments totaling {$4500.00}, thus causing interest to bill to the account. '' Okay, I understand that interest would be charged on the balance, but {$68.00}??? 
This is pure robbery and their way of making BIG time $ $ off of consumers. 

On XX/XX/XXXX, where the balance was {$4500.00}, they charged me {$79.00} in interest which is understandable, but I make a large payment BEFORE the interest is posted and they still want to charge me {$68.00}? I would like to have this interest fee either removed or reduced drastically. 
This is the problem with credit cards ; they don't even allow you to pay off any debt, because they double your monthly payments all because of the interest they charge. It's strictly a game and what's even worse, I have a credit score of XXXX. 
Your assistance on this would be greatly appreciated.
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I opened an account with XXXX XXXX XXXX. I had a CC with this company for under or right at {$1000.00} and I missed one or two payments in a row due to a rough time in my life. I came to find the account was closed without them notifying me. It was then passed along to XXXX XXXX XXXX. I have tried to work out a deal with them to pay off this debt. To no avail. They offered to have me pay off half of the debt which is about {$500.00} in one lump sum. I asked if theres any other options and they said yes, to pay the full {$1100.00} is dollars over time through multiple payments. They would n't offer a discount off of the total owed including fees.