davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have experience nothing but terrible customer service from bank of america. I was charged a  XXXX  overdraft fee for  XXXX . I withdrew funds from the ATM and did n't know :  1. They cha rge a fee for a  XXXX  negative balance.    2.  I have a savings account with over  XXXX  in it. I thought they would be able to pull the funds from my savings like they done transfers in the past.    3.  They so many confusing caveats to their website that a customer should get a  one day training just to fully utilize the online resources I called in to speak with two incom petent representatives about the fee. They tried to bait me into an argument by focusing on all the things I could have done. I did not do these things because the options were not made available. I explained to the  Manager   XXXX   th at I have a savings account that should transfer funds when theirs not enough in my checking.  XXXX  said that only applies to ACH transactions, however per the  Core Banking understanding document it states- " With Overdraft Protection, if you 're about to overdraw your account, we 'll automatically transfer available funds from   your linked savings, credit card or second eligible checking account. On ly 1 tran sfer fee charged per day. I have never had an overdraft fee before and I thought I could trust them, but if I have to deal with employees that are snide and trying to prove a point I can take my business back to  XXXX .  XXXX  makes it know that if it is a transaction about  XXXX  they will charge a fee. Bank of America does not make that fee schedule readily available. It is wrong to loan  XXXX  and get a  XXXX  return on that loan. That 's extortion. Please look at my bank history as well to see how they try to confuse customers and steal their money.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

My goal was to acquire a copy of my Experian credit report on XX/XX/20 to confirm its accuracy, as I had been identified as a data breach victim. I had an Experian account many years ago, but it was dormant. Upon entering my private information, it would not log me in. I followed the prompts to have my user name sent to me, including entering some private information such as social security number. It then noted that my username would be sent to an email that was fraudulent, indicating an attempt to steal my identity. I have tried to contact Experian via various capabilities on its website, and it is impossible to speak to a live person or communicate my concerns in any way. I am now left with the knowledge that someone may be trying to hack my account and no way to act on it.
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery (WV)

I have been making payments on my husband 's rehab. I specifically told them not to call a certain phone number and months later not only did they call it they left a foti on it. Im not happy about this and as a former XXXX XXXX XXXX XXXX i am thinking about going further than this. ICR in XXXX is the company. I have the foto on voicemail.
Consumer complaint received 2022-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

To Whom It May Concern : My Bank of America account statement ending in XXXX and later XXXX shows a payment, a balance of {$12000.00}, that should have not been made. I am writing to tell you that the payments were unauthorized charges. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau against Bank of America, Specifically, I authorized debits to a cosmetics company in Hawaii by the name of XXXX, in error, and under duress on XX/XX/2022, but revoked the authorization on XX/XX/2022. Immediately after I received the " product '' and realized that the company was charging me for unauthorized charges I sent the unopened product back via XXXX  XXXX. I asked Bank of America to close my account and not accept any new charges. I paid the undisputed charges and no longer have any outstanding balances. Despite the fact that I have been a long-time customer with Bank of America they refuse to support me in my position and are unfairly charging me these bogus and egregious amounts. The charges are in error because the items were refused, the company XXXX employed deceptive practices when I was " sold '' these items. I can provide XXXX  XXXX Proof of Delivery, tracking information, documentation of shipment with delivery dates, and copies of reviews from many customers showing they were defrauded with similar incidences as my situation. Furthermore, according to the Hawaii Unfair Deceptive Trade Practices Act, this is fraud. XXXX misinformed me about the product which was returned and the way the situation was dealt with was egregious. They pulled the wool over my eyes and did not inform me what I was signing. Their representative pulled me in off the street and delivered a high-pressure sales pitch. This is not buyers remorse, it is fraud. According to the attached reviews on XXXX and XXXX XXXX XXXX, this company has a pattern of deception and has scammed many other customers in a similar fashion. If the packages were returned to them unopened and I do not have the product, I do not see why XXXX, and Bank of America are charging me for a " product '' that I don't have. I am filing this complaint and requesting that the error be corrected with the credit card companies and that any finance charges will be waived. I will await confirmation that you will be reversing these unfair charges. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX Arizona XXXX ATTACHMENTS Hawaii dispute XXXX  ( XXXX XXXX XXXX Hawaii XXXX XXXX proof of delivery - second package.XXXX ( XXXX KB ) XXXX  credit card documentation XXXX ( XXXX KB ) XXXX XXXX XXXX Proof of Delivery XXXX ( XXXX XXXX XXXX Bank of America - Written notice of the unauthorized debtXXXX  ( XXXX KB ) XXXX XXXX  XXXX proof of delivery - first packageXXXX ( XXXX KB ) XXXX XXXX XXXX  XXXX ( XXXX MB ) View full complaint
Consumer complaint received 2017-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Strategic Alliances, Inc. (CA)

First Financial Asset Management Inc, contacted my father on  XX/XX/XXXX  to attemp collection on a debt i no longer owe in  the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I had bank fraud occur on XX/XX/21 and the financial institution ( TD Bank ) is not paying me back or responding to my follow ups. I have filed numerous claims, called multiple times and went into local bank branch and no one calls me back to follow up... I was robbed of every XXXX I had to my name, the damages are in the area of XXXX and now I cant pay one bill and literally no one cares at this bank. I haven't a clue what to do next... .I am very hesitant to upload more personal information regarding myself since this may have been part of the problem w/ getting hacked to begin with.
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WA)

I have been receiving calls everyday since XXXX XXXX, 2018 from Navient. I have asked them to remove my number from their call list because I do not have an account with them. They told me they would fix it in 24 hours and it 's been over 10 days. They are continuing to harrass me. I do n't even know the person they are calling.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

XXXX XXXX XXXX has confirmed in the last 60 days that all of my loans are issued by them. Navient has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me. XXXX has already deleted all their accounts and updated only XXXX XXXX XXXX loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is XXXX XXXX XXXX. Thank you!! My name is XXXX XXXX XXXX, My balance with XXXX XXXX XXXX is approximately {$21000.00}, Navient continues to report {$40.00}, XXXX and duplicate same information coming from XXXX XXXX XXXX.
Consumer complaint received 2017-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

I owe to  XXXX   XXXX   XXXX  and   XXXX   XXXX   bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was  2015
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX, I paid off a card that I had gotten from the retail store. They added an extra fee to the account after I had paid the account. I called and spoke to a representative and they stated the fee would be removed. However, the fee remained. I called back again and the second representative removed the balance. It is also showing that there is a period where I missed a payment XX/XX/XXXX when that is not the case. I have called and spoken to two representatives so far.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is reporting a collection account on my reports that I am not familiar with. I have reached out to them via mail requesting sufficient documentation stating how they figure this account and debt belongs to me. Here is the tracking, XXXX XXXX XXXX XXXX XXXX. In receipt of this validation request they only sent an itemized statement of the account. A statement is not validation of debt further proving that they do not have valid proof to support their claim. I am requesting that this account is deleted from my credit reports now!
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HOVG, LLC (TX)

Bay Area Credit Service XXXX XXXX XXXX XXXX ) XX/XX/XXXX1. ) XX/XX/2016 {$1300.00}XX/XX/XXXX 1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XX/XX/XXXX and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: COMMERCE BANK (IL)

In XX/XX/XXXX I did not get a bill from Commerce bank and they put a negative remark on my credit history as missed payment. I have been making payment to them and even told their representative about not getting the bill but they did not pay attention to it and they even closed my account. I have paid the balance down since XX/XX/XXXX from XXXX to XXXX as of now. After they closed my account and put a derogatory remark on my credit report i have been denied credit by other credit card company to even increase my credit line so that i can start a new business. I am going through a hard time as a result of this action of Commerce bank without my knowledge and inspite of them putting my wrong SSN in their system which again gives me hard time to get to right person in timely manner through their automated system. 
I need this negative remarked moved from my credit history and this credit card reopened. I am willing to pay it off in next 60 days. Please help me I have a family to feed and I have been a very responsible person to pay down the credit card and this is really irresponsive of Commerce bank to do this to me without even notifying me and giving me enough time to fix the problem even though the problem did not happen because of my actions.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

After moving from my address in XXXX, NY I was locked out of my online account with USAA and was unable to view anything to include bills, balances or available credit. USAA has reported these accounts late when in all fact I was unable to see the account to determine when the bill was due, I was also unaware that they were n't still taking the balances out of the checking account on file, which was another USAA product. 
USAA reported me 30 and 60 days late on the following accounts XXXX - 30 days late in XX/XX/XXXX - XXXX - 30 and 60 days late XX/XX/XXXX/XX/XX/XXXX XXXX - 30 days late XX/XX/XXXX, the address on file for this account is n't even mine so I have no idea where the actual bill for this account went. 

The issue is ALL my business was with USAA to include checking, savings, car and life insurance and credit cards so when I was unable to access any of the accounts, everything should have been still set up with automatic payments. USAA closed my checking accounts and never notified me by phone or email and all attempts to restore my online access was stretched out and not resolved for over a year. These are inaccurate markings on my account and it appears as if USAA took payments when funds were available but NEVER informed me when funds were not available. I have so much respect for USAA and have tried on many occasions to resolve this as these inaccuracies are negatively impacting my credit. I even sent a goodwill documents asking them to resolve this and have been met with nothing but them stating this is accurate, however what USAA has not acknowledged is that all bills were electronic and when they restricted my access they prevented me having access to those statements. They have incorrect addresses on file and never responded to request to explain where these statements were sent, please help.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I paid my bill yet it is saying overdue and dropped my credit score XXXX points. Now i am unable to get a credit card I need to purchase my books for school. My cosigner, XXXX XXXX, also had a huge drop in his score. But we paid the bill already. I am also in the grace period of the loan so I dont understand how i could be late if there is nothing due at this time.
Consumer complaint received 2020-10-20
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX   Past Due Amount : {$140.00}
Consumer complaint received 2017-06-16
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: Experian Information Solutions Inc. (FL)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ; Experian  XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ;   XXXX    XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX   XXXX  to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX , Experian and  XXXX  in   XXXX  , yet they turned a  blind  eye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act (  SCRA  ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA,  SCRA  and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I disputed a {$290.00} charge from XXXX XXXX with AMEX twice ( Ref Nos : XXXX and XXXX ) but AMEX never understood my questions. Here is the situation : we are XXXX XXXX card holders and we stayed at XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. Upon checking in, we provided our credit card for possible incidental charges and requested if an upgrade is available. We were given the upgrade and we know, as a benefit of XXXX card owner, the upgrade is free if available. Obviously, it is available. When checking out, no one asked us to sign any credit card slip. We found out later we were charged {$290.00} for the requested upgrade so we disputed the charge. So far, no one from AMEX even address our real concerns : 1 ) why were we charged for the available upgrade when it is part of the benefit ; and 2 ) we never authorized such charges and we never signed the credit card slip for this charge. I am hoping to get some answers since in those two disputes I mentioned, XXXX XXXX simply presented some internal record and a copy of UNSIGNED credit card slip. I hope AMEX can finally understand my questions and address them directly.
Consumer complaint received 2018-01-19
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. (FL)

XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on Experian and XXXX. This is not my account, and it seems like XXXX has proven this.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-16
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: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington mortgage reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
Consumer complaint received 2017-06-16
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: Experian Information Solutions Inc. (CA)

XXXX    XXXX   reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.