davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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 (FL)

On XX/XX/XXXX I initiated a credit card-Visa dispute with Bank of America ( Case # XXXX ) regarding a lawyer overcharging billable hours. I waited a week or so with no word from BofA regarding the dispute. When I called and reached a Dispute Resolution CSR, she informed me that any messages regarding this dispute went to my husband, XXXX XXXX, because he opened the account, even though it was charged to my credit card, with my name in the billing info. I opened the online account, I put it in my name, because I take care of our banking, so my husband 's name is not on the online account. She told me I would have to open an account for him. When we tried to do so, we found we could not, and we could not get help from BofA doing this, it was mission impossible. So, any messages regarding this dispute were addressed to my spouse, who's name was not on the online account. On XX/XX/XXXX I received a letter from Bank of America informing me that I had until XX/XX/XXXX to submit documentation on this matter, to an address in XXXX XXXX, Texas. I was not given but a few days to respond. I sent my documentation on XX/XX/XXXX, Monday. I received a letter from Bank of America on XX/XX/XXXX informing me that they had not received any documentation and they were closing this dispute. I was not treated fairly. I have been given the runaround like this from another credit card, I am familiar with the pattern, and what they do. They don't send documentation until the last minute, and then claim that I sent the info too late, or they didn't receive it. So, in essence, A lawyer price-gouged me. I disputed it. Bank of America REFUSED to do its job, which was honor a system in place to assist their customers with unethical business practices. The bank piled on with more unethical business practices. My claim was denied, because Bank of America claims they never received follow up correspondence from me. My letter was not returned, I believe they did receive my documentation. We have done business with them since XXXX, and after 48 years of loyalty, this is how we're treated. We took out a home equity loan, and mortgaged a house through them, have four accounts, including this Visa card, and this is how they show their appreciation to us, by piling on with unethical business practices, a lousy runaround.
Consumer complaint received 2019-11-14
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. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX XXXX XXXX Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Consumer complaint received 2018-07-13
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. (IL)

My information was involved in a data breach via Equifax, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.
Consumer complaint received 2018-07-13
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. (CA)

XXXX, XXXX Transunion has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX  # XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
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. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX XXXX XXXX Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Consumer complaint received 2018-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

XXXX XXXX XXXX  - ( XXXX ) XXXX Monday XX/XX/XXXX XXXX : Called to tell me I had missed a payment. I checked my records and indeed, I had missed a payment because I didn't get a statement. I promptly downloaded a copy of my statement and made the missed payment, and the current payment. Since then, they've called my mobile phone three times, they called me at work twice, and they've called my home land line twice. 

When they called me at work, they would not tell me who they were, so I hung up on them and XXXX  the number. 

I sent in the payment almost 4 days ago, and I told them I would. I feel like they're harassing me and I want them to stop. I've made at least 60 payments without fail and they're not being nice.
Consumer complaint received 2022-01-09
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: Radius Global Solutions LLC (MO)

I have contact XXXX multiple times for trying to dispute information. It said I could complete the dispute for free ; however, XXXX keeps making me trying to pay. 

Radius Global Solutions has placed a collection account on my credit every month and I have disputed the state of it previously. I filled a complaint with all related credit bureaus with reports with XXXX  XXXX Packet and police report. Initially, the company removed from credit report and the placed it back XXXX months later
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 — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

In accordance with the fair credit reporting act Accounts with XXXX XXXX ( account # ending in XXXX Shows a late payment in XXXX of XXXX. Bloomingdales ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of XXXX. 

15 USC 1681 Section 602 states that i have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to XXXX and their response.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 someone went into my account via an atm. Bank of America did not issue any credit for this and has refused to help. This money was provided to me from the edd due to the pandemic emergency we had experienced in California. I have done all that was required, I contacted edd and provided proof of my identity and then I filed a police report. Both XXXX police and edd have said they are not the agency that will handle this matter and it would be up to Bank of America to handle this matter. For a period of 1 month I was on the phone 3 times. In the morning, afternoon and finally just before they closed to reach a representative but my efforts were unheard. Everyday I contacted Bank of America and would wait for 3 hours on hold and then my call was dropped. I did not remove those {$660.00} from my account and I need that money to support my family during these times. Bank of America should be held responsible for not doing their job in protecting my private information. I have tried to open and reopen the claim but they refuse to help and do not want to take responsibility for this.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

I purchased an item on XX/XX/XXXX for XXXX with 0 % interest for 12 months from XXXX XXXX XXXX on a Wells Fargo Credit Card provided by the retailer. I immediately set up automatic payments of {$240.00} per month to pay it off at the end of those 12 months. 

In XXXX of XXXX, I purchased an extended warranty for {$430.00} subject to a NEW 12 month 0 % XXXX period. 

I did not change my monthly payment amount as I would finish the initial 12 month period and then pay off the remaining balance that was not subject to interest. 

Unbeknownst to me and not indicated in my Wells Fargo statement or in the credit card agreement, Wells Fargo began allocating my payment between the XXXX amounts. Because of this, at the end of the original 12 month period, I was charged over XXXX dollars in interest. 

Neither of these promotional balances required a minimum payment, so there was no reason for these to be allocated except for Wells Fargo to charge me predatory interest. 

Upon submitting my complaint, no person at Wells Fargo can show me either in my statement or in the credit card agreement, both attached, where it indicates my payments will be allocated in this way. This is material fraud.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2022, I received a payment through PayPal in the amount of {$250.00}. According to PayPal 's email ( attached ), I could instantly transfer these funds to my bank via debit card for a 1 % fee. In the PayPal application, the actual fee is 1.5 % and not the stated 1 % in the email. PayPal provided false advertising of fees.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (IL)

I was sending money to a Medical Doctor Office for payment on services. I thought I could use remitly instead of going to my bank. Upon sending the deposit on XX/XX/XXXX I received a email from the doctors offices stating that my deposit was rejected because I did not send payment in the form of a wire transfer. I was advised from the doctor office to cancel the payment through remitly which I did immediately upon finding out that that form of payment was not accepted. Unknown to my knowledge remitly flag my account with them as fraud suspicious activities. I requested for them to refund my money because the Doctor cant use Remit as any form of payment and it must be provided through wire transfer through my bank. Remitly answer was for me to dispute it through my bank to get my funds back. I dispute it through my bank and remitly send them the response of that the transaction was completed and no refund will be issued. I then once again provided email and correspondence from the party I was sending funds to that explained remitly CAN NOT BE USED. Remitly is now refusing to refund my money until after 90 days
Consumer complaint received 2021-06-07
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)

I attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And Experian report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (GA)

I recently made a complaint to CFPB against American First Finance regarding inaccuracies on my credit report. I was contacted by the agency prior to filing the complaint they let me know of the mistake on their end and offered me a refund of the last payment made on the account as a courtesy. I was told the credit report would be updated to state the account was paid in full with a zero balance and that no further action from me was necessary. That is not how the account is reporting. It is reporting there is a balance of {$220.00} and that the account is closed and was charged off as a bad debt. I have attached a screen shot of what is being reported as well as a letter from the company themselves from the last complaint.
Consumer complaint received 2019-11-14
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. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX  XXXX XXXX  Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997,  Filed ( D.C. No. 95-cv- 01743 ).
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX18, I paid off the entire balance of my Capital One Visa card in the amount of {$7600.00}. I made my payment before the due date of XX/XX/XXXX18. On 1XX/XX/XXXX18, I received a bill from Capital One for {$93.00} for more interest. I called and spoke to a representative and a supervisor on 1XX/XX/XXXX18 regarding this additional interest. I explained that I was previously a party to a class action lawsuit against another credit card company regarding this practice in which the court ruled against the credit card company. Since that time, I have seen several news stories reporting that this practice was illegal. Capital One refused to take this interest charge off of my bill, so I advised them that I would be filing a complaint.
Consumer complaint received 2021-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and Transunion has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.
Consumer complaint received 2018-02-03
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. (AZ)

I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXXXXXX  XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX   XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

I paid back {$600.00} already the amount of over {$1300.00} is interest of money that i did not receive when I had credit card active. Everytime I call XXXX young guy answer phone always refuse me to talk to manger hangs up phone he never want to give me a reasonable amount to pay midland credit made the amount over 1,300 there selfs thats a complete scam they never let me talk to managers its ruin my credit score complete scam.