davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 my Bank of America credit card was charged USD XXXX to make a XXXX purchase in XXXX XXXX. Two days ago I noticed this transsaction so I immediately called the bank cause I did not recognized it. I opened a fraud dispute and the card was cancelled and they issed a temporary credit for this amount. However on XX/XX/2020 I received a letter from Bank of America ( attached ) saying they would charge the money back cause they could find out ( they dont say how ) I used the card and the pin was entered ( which is a lie cause credit cards do not require pin ) so that they would close the case. I reopened it on XX/XX/2020 and a few days ago I received a letter from Bofa saying they still considered I did the purchase. They do not explain which XXXX was it, because there are a lot on XXXX XXXX, how they can prove I did it, or any additional details I would at at least like to know. I have been their customer for more than two years I always pay on time, I dont see the point I would be making out this story and not paying for something I used. But in this case I feel totally helpless, I did not purchase anything for that amount in XXXX cause I not even live in XXXX XXXX, and my purchase history can tell it. I feel disrespected cause they not even took the time to check with XXXX they just say your card was used I say probably it was so but it wasnt me or anyone I have authorized. I also mentioned before a few days ago I have given my card info by phone to a clinic so may be thats how they got my card info.
Consumer complaint received 2020-12-01
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. (GA)

Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2021-10-19
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. (FL)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2020-12-01
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 (CA)

On XXXX XXXX, two fraudulent credit card charges posted to my Bank of America account. 1 was {$790.00} and another was {$550.00}. Both were in-person transactions according to the bank. 

I had the card in my possession and it was with me at home on both of those days. I called to file a credit card fraud claim, but about two weeks later it was rejected on the grounds that the chip was used in the transactions. I also noticed that BoA erroneously included a third, completely valid transaction from before XXXX ( why? mistake? ), which I suspect led to my claim being denied. I appealed the decision, and furthermore filed a police report with XXXX XXXX police department as they requested, to work with them in good faith, and sent them a copy of the report. 

After roughly a month of no communication, and no indication that they even processed my appeal, I called them back. They put me on hold for over half an hour and maliciously redirected me in and out of the fraud claims department and refused to tell me information about my claim status. I believe they have no intention of working in good faith with me regarding the claim.
Consumer complaint received 2020-12-01
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. (LA)

On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of XXXX Data Breach. I want all the account will removed ASAP or I will file a litigation.
Consumer complaint received 2021-10-12
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)

I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2020-12-01
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: SYNCHRONY FINANCIAL (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

I am currently in the process of a refinance. 
My attorney 's office has tried multiple times to contact my Mortgage servicer for the pay off amount and has not heard back. 
They are not being responsive and therefore holding up the process. 

From my attorney 's office : " Ive faxed and called twice and was told I would have it last week. I attempted to call yesterday, again, but was on hold for quite sometime and had to hang up ''
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank charged me an {$89.00} annual fee in XXXX associated with my XXXX XXXX XXXX credit Card. Several days later they notified me via email of changes to the terms of the card benefits and agreement and would not refund the fee that has already been paid. They charged me a fee and then did not fulfill the terms of the agreement associated with the fee. The Fee should be waived or refunded.
Consumer complaint received 2021-04-10
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 — Their investigation did not fix an error on your report
Company: First Advantage LNS Inc. (VA)

I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (MD)

We have been contacting XXXX XXXX for over a year about cancelling our contract with them. They used very deceptive tactics and the terms described to us in our contract with them havent been met. To add salt to the wound, they have sent our account to Meridian Collections. We never agreed to work with a collection agency and didnt know this was a possibility. This has severely impacted our credit and led to personal issues. We do not have the funds to pay XXXX or XXXX. My wife and I have had our hours reduced at work, so our income is a fraction of what it once was. This ordeal has led to us splitting, so were also managing our own household bills now. 

Meridian needs to cease their collection efforts and XXXX needs to cancel this horrid contract.
Consumer complaint received 2021-04-10
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 — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX  which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
Consumer complaint received 2020-06-04
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: GOLDMAN SACHS BANK USA (GA)

Dear Consumer Financial Protection Bureau, CFPB : I AM NOT GOING TO STOP COMPLAINING BECAUSE APPLECARD CONTINUES TO ANNOY, HARASS, AND INTIMIDATE ME BY SENDING ME EMAILS FALSELY ALLEGING I OWE THEM MONEY WHEN I DON'T. AGAIN AND STILL, Goldman Sachs/Marcus OWES ME {$500.00} AND XXXX   XXXX  OWES ME {$3200.00}. Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

Hi Im XXXX  receiving the social security they take too much money very high interest I wasnt expecting Im single mom of XXXX kids I cant pay much anymore Im very overwhelming for me Im alone only receiving my XXXX ssi I pay my van payment and I have my health issues too please help me its very overwhelming fir me being alone please text XXXX Im XXXX  I cant XXXX  or XXXX  or email me at XXXX XXXX
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I had my XXXX debit card stolen by my ex. I found out today the XXXX of XX/XX/XXXX that she made several atm withdrawls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. The banker asked me if I had my pin written down and if my card was stolen YES I told him and he said that it will not be covered?? this is at a wells fargo XXXX bank account? What do I do??
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (VA)

I have initiated an international transfer in the amount of USDXXXX using Transferwise on XX/XX/XXXX. Transfer got rejected on the recipient side, but Transferwise shows transfer completed on XX/XX/XXXX. After questioning them about the issue they said transfer its probably stuck with an intermediary bank and theres nothing they can do for me and that I have to wait. Ive been emailing them regulalry and always receiving the same answer that I have to wait. After almost 4 months of waiting they finally advised me today XX/XX/XXXX to file a complaint with CFPB.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TN)

I had a Citi credit card affiliated with Costco. I opened a credit account to get a promotional 3yr warranty on an XXXX product. When the card arrived it was a duel Costco membership/citi card, I never actually activated the citi card aspect of the card. This was due to previous issues I had with Citi bank. I closed the card over a year ago when Costco used the account without my permission to renew my Costco Membership. Because it is also my Costco membership card I have been using it to get into the warehouse, to get scanned for my membership and to get access the gas pumps.The gas pumps have a new bump feature that I was not familiar with and when I out the membership/citi card next to it, the card was declined as the citi account is not active. I had to insert the card and wait for a prompt to insert a card I could use for payment. A week or two later I went to a Costco store to return approx XXXX dollars worth of products ( The correct amount should be on file with Citi XXXX, the gentleman doing the return did not ask which card I used and just bumped the XXXX XXXX/citi card against a bump pad he had, the return was accepted and applied to the CLOSED account!! The store was not able to retrieve the money and had to call Citi bank, who in turn requested to speak with me. I do not have an account with Citi so I did not understand this request. Then they proceeded to ask me for a password associated with the account .... I told them I do NOT have an account with you ... how can I give you a password? I was told by both parties that a check would be sent in 36-48 hrs. It has been 5 days and I still have yet to receive a check for the stolen funds. Costco, however, has retained the products I was trying to return while reporting to me this happens all the time ... This should not be happening at all ....
Consumer complaint received 2020-12-01
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: WELLS FARGO & COMPANY (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. On XXXX XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX XXXX On XXXX XX/XX/2019, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX . The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accscient, LLC (KS)

PLEASE SEE ATTACHMENTS Nationwide Recovery has obtained, used, and trafficked my nonpublic personal information to unaffiliated third parties. Nationwide Recovery is using oppressive and fraudulent practices to coerce payment for an alleged debt and is in complete violation of my consumer rights, the FDCPA and the FCRA. Nationwide has stolen my identity to coerce an alleged payment that I was never given the opportunity to review, cure nor deny the debt before its unlawful furnishing.