davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 've a Bank of America checking and saving accounts. There were XXXX unauthorized transactions, totaling {$2000.00} I called BofA customer service to report the charges. Instead of blocking my card to prevent further use, it was left open. I 'd to log in online and transfer my remaining balance into my other account. 

A claim was filled ( Claim number XXXX ), I was told I would receive provisional credit, but did n't. Bank of America stated amongst many reasons that 1 ) I logged into my account online, 2 ) I was sent a fraud text alert on my number on file, 3 ) that there was a posted/authorized transaction made after the charges in question. I called for the Claim to be re-reviewed, but Bank of America is n't interested in investigating the Unauthorized charges, because they do n't want to give provisional credit, pending the outcome of the investigation. XXXX XXXX called me from the Consumer Response Office, but to my surprise, the claim was already denied and closed, and an investigator claiming to be the one handling the case did n't even know that. That made me wonder if they were actually working on it or just counting days and have a ready made answer for every customer they want to deny. 

Let me state that I promptly called Bank of America the moment I found out my card was missing ; the banker claimed to have blocked the card, and the claims analysts I spoke to, said it was still open and active. I logged online and transferred my remaining balance to my savings account, and that was done after I found out my card was missing and that 's what BofA is regarding as a valid transaction. The number on file ending in XXXX is a home phone that is not text-enabled, so I do n't know who could have responded to a text that can not be received in the first place. Looking at the fraudulent charges online, I called the Merchants and XXXX which has XXXX of the XXXX charges said Bank of America never contacted them regarding the charges, that they are a convinient store and they do n't check ID when using credit cards for most transactions, thus fraud could have occurred. 

So the question is, if Bank of America never contacted the merchants, never did any investigation, how was my claim denied? On an information without hearing from the Merchants? 

It is evident that Bank of America rushed to conclude the investigation, so as to not be liable to issuing me provisional credit, as stipulated by the cardholder 's agreement, pending the outcome of the investigation.
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OH)

I was contacted on XX/XX/XXXX by XXXX XXXX XXXX stating that I did not make my XX/XX/XXXXpayment. I verified with my bank that my payment ( submitted through my bill pay ) was sent to XXXX and the check was cashed. XXXX shows record of a payment of XXXX on XX/XX/XXXX. This is the amount I sent. But XXXX says this was a warranty payment and was applied only to my principal, not to my monthly payment. In Later conversations, XXXX accused me of missing a payment inXX/XX/XXXX, then went back to stating my payment was misapplied. After 2 weeks and several phone calls I submitted a bank statement to them showing that the {$350.00} was drafted from my account. Collections continues to harass me almost daily. Now I have not made my XX/XX/XXXX payment yet because I cant trust that they will properly apply my payment and I have received no reassurance from XXXX that they will resolve my issue. I have told them I am withholding my XX/XX/XXXX payment until this issue is resolved. I fear that this will affect my credit. I have asked on multiple occasions to speak to a supervisor only to have the call dropped or get no additional assistance. They have a policy that customer service cant speak with people if their account is past due but how am I supposed to resolve this if I cant speak to them? I have doesnt countless hours now trying to resolve and issue I had no hand in creating. All I did was make my payment on time.
Consumer complaint received 2023-02-22
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: WELLS FARGO & COMPANY (NY)

I contacted wells fargo back in 2022, I informed wells fargo about the line of credit that wells fargo was reporting on my credit report using the wrong social security number. I contacted wells fargo 2yrs straight asking them to remove the fraudulent account, I was denied each time, the wells fargo account reporting on my credit report by wells fargo XXXX prevented me from obtaining a loan and getting a home for me and my family, I was also evicted out of my home in XXXX of 2022, due to me not being able to obtain a loan from any other bank because wells fargo still had this charge off on my credit report, I couldn't get a finance loan to obtain a vehicle for me to get back and forth to work, So i lost employment. wells fargo agree that for the past 2-3 years they've been reporting someone elses bad credit account on my credit report, wells fargi knowingly reported the account to all three of the major credit bureaus " XXXX, XXXX  and XXXX '' for years knowing that the social security number on the application didn't match the ssn that ; s on my credit report, I sent wells fargo a copy of my original ssn card through the cfpb and wells fargo sent me over the original application for the credit account, wells fargo removed the credit account and awarded me monetary relief, but the only monetary relief wells fargo gave was in the form of removing the account and telling me that I didn't owe the debt. I want montary relief in the form of check made out to me for the amount that wells fargo said that I owed wells fargo, I am requesting this amount which should be way higher due to the hardship I endured with this credit line reporting on my credit report, I was evicted with a back rent of {$20000.00} and I was denied financing for a vehicle due to the wells fargo charge off.
Consumer complaint received 2019-10-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TCF NATIONAL BANK (KY)

Re : Gateway One Lending I paid total balance of my auto loan. But they continue to withdraw bimonthly payments and deny it when I have called them. Re : loan # XXXX. On XXXX a payment was sent to pay off the total balance of my car loan. On XXXX and again on XXXX they continued to take bimonthly payments from my checking account for {$230.00} each time. Every time I call them -- they deny that they are doing this. On XXXX I spoke with " XXXX '', he informed me this must be someone else taking money from my account. All of transactions have always been listed as " XXXX '' # XXXX with each deduction. I disputed/claim # XXXX with my bank XXXX XXXX on XXXX. I have since been informed my bank has denied the dispute because my request was not submitted during the merchant 's required time frame. 
I want my money they took out my account.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NC)

In XX/XX/2019 After trying to dispute a credit card by Synchrony Bank that was in my name in the amount of {$1200.00} with XXXX, they decided the information was correct even though I have never owned a credit card with Synchrony Bank on my report. 

My address that I use is incorrect, and I have never signed any agreement allowing Synchrony Bank to open a credit card in my name. 

When attempting to reach out to XXXX over the phone ( which is what they require ), it is impossible to speak to a human to add details to my dispute and go over the fraudulent information. Now due to a result of incorrect reporting, Synchrony Bank is consistently damaging my credit, therefore rendering me unable to rent an apartment in my city. 

I have worked extremely hard to keep good standing credit, and prevent fraud in my name which has happened in the past. Synchrony Bank is known for having shady business practices, and unsecure/unfair credit reporting which is why I have never chosen to bank with them. 

Attempting to speak with someone from Synchrony Bank who is competent or speaks any fluent XXXX is impossible, and they are immediately unwilling to assist without certain information that I do not have knowledge of. 

I would like to hold XXXX responsible for the damages occurred as well as Synchrony Bank. If the report is not fixed in the future, I will be taking legal action to clear my name so I can freely rent and apartment in my city.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY CREDIT.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 my Bank of America EDD account was fraudulently used to purchase items from a website called XXXX in a single transaction for the amount of {$6900.00} - I did not make this purchase nor did I authorize anyone to use my EDD Debit card to make this purchase. My debit card has been in my possession since the day I received it and I have not let anyone else use it. 

On the morning of XX/XX/2020 I noticed the transaction on my app and immediately called Bank of America to inform them. They noted my account that I was calling about a fraud claim and said I would have to make a claim with the claims dept and transferred me. I was on hold for over an hour and never connected. I proceeded to call back 3 more times that day, being on hold for over an hour each time. One time, after 1.5 hours of wait, I was actually connected but then immediately disconnected after a recording came on stating their call volume was too high and they were not able to take my call. I called back the next morning, XX/XX/XXXX and was able to get through making a claim of fraud on my EDD account. I was given a case number and I was told that I would receive a letter from the Claims department within 10 days. 

On this same day I also called the merchant XXXX and informed them of the fraud. They took my information and said their fraud department would contact me. I have not heard back from either company as of today, XX/XX/XXXX.
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Management Recovery Corp. (NMRC) (OH)

On XX/XX/2020 at XXXX I received a call from the number XXXX and a male who identified himself as XXXX XXXX stated that he was from " location services '' and was looking to locate me. He knew my name and address. He gave me a phone number and case number for company named " XXXX XXXX '' He would not give me an address or any other identifying information. I was directed to call XXXX XXXX to " find out what's going on ''. He was cordial and straight forward during that phone call. I was unable to call the company at the time as I was working, and " XXXX '' called my phone 4 more times between XXXX and XXXX XXXX. I answered the final call, and he answered with " What's going on, What do you think you are doing? '' this is paraphrased as my memory is not perfect. I explained that I would not be making any transactions without written documentation, and would call the company when I was finished working. He was not polite during this phone call, and angrily stated that he had given me a chance, and would be on his way to " serve me documents ''. I told him " fine '', and he then stated " Good luck in court! '' and there was the sound of a phone slamming down. 

I did call the company identified as a XXXX XXXX but was a little flustered, and do not recall who I spoke to there. The number I called was XXXX and a female answered the phone. She knew my name and social security number. She stated that they had hired a location company to find me, and that my case was in " mediation ''. I informed her of the interaction with the man who was in contact with me. I informed her that there would be no exchange of money or transactions without written proof of this debt, and their right to collect on it. She stated the name of the original creditor, and stated that it had gone to a different collection agency, and then was sent to them for collection. She claimed that there were charges against me, and wanted to know if I would voluntarily " take care of this today. '' I again stated that I would not be making any agreements until I was sent written documentation of their ability to collect the debt. She again explained that I would get that with this " documentation that this man would be delivering '', but then it would be too late, and I would need to go to court. I again refused to give any financial information, and requested information to be sent out via mail. She then also said " Good luck in court. '' and there was another sound of slamming down the phone. 

This is the second time I have experienced this, although I fell for the first one, and paid them because I was uninformed. I have heard many stories like this since. I am still not convinced that someone will not show up at my house. I don't know whether or not the debt is valid because I was refused documentation. I do however, know how lawsuits for debt generally work, and they don't happen in the way that this went down.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CO)

After having XXXX in XXXX XXXX, I received numerous medical bills. I paid all the bills I knew about. Sometime between XXXX and XXXX XXXX I received numerous phone calls each day from the same number. The caller would never leave a voicemail for me to determine the purpose. When I answered the call, the caller stated they were from an institution I had not heard of and that I owed money. They would not discuss the debt with me until I confirmed personal information. I requested their company name and phone number so I could confirm who they were and that it was not a scam prior to providing my personal information. They were not cooperative. I did not hear any more about this debt until my credit was pulled for a new home purchase in XXXX XXXX. This was a stagnant account for a year and a half. I was not contacted in any way during this time. Now, after a year and a half, the debt was sent to collections and last week I was finally told this was a legitimate debt and not a clerical error. I want to pay this bill but have not had cooperation with getting the claim off of my credit history once paid due to the communication being poor about the debt initially.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

MY XXXX XXXX ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have made attempts to resolve this matter with Experian via letter and phone. 

XX/XX/2020, I submitted a dispute letter regarding information that XXXX XXXX XXXX   XXXX XXXX  provided to Experian. In such correspondence, I stated that [ t ] his was a Business Credit Card for which I am not personally responsible. I specifically requested that I be provided with evidence of personal responsibility or remove this from my report. According to the certified mail records, Experian received my letter on XX/XX/2020. I have not received a reply to my dispute. 

I contacted Experian via phone on XX/XX/2020 regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. In the telephone conversation I requested that this account be removed from my credit report immediately. The telephone representative advised me that he would initiate a dispute now, and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 38 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute.
Consumer complaint received 2019-10-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (AR)

I was in the XXXX for a week my second year of college in XX/XX/2016. When I got out I never heard anything for a year when I got a phone call from a debt collector. I was asked to pay my outstanding balance around {$500.00}. I paid immediately and have since found that I have 9 derogatory marks on my credit report. They were all from one stay in the hospital and were paid as soon as I was notified. They may have notified my parents, but that was never brought to my attention because of our relationship.
Consumer complaint received 2020-05-18
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a XXXX facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.
Consumer complaint received 2020-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Freedom Mortgage was increasing my monthly payment each year even though I had a fixed rate mortgage. When I questioned it, they said I had to keep a certain balance, {$520.00} in my escrow. The next year, I had over {$700.00} in my escrow when the anniversary of my mortgage hit, they waited until two months after the anniversary of my mortgage, after my escrow dipped below {$500.00} and then the upped the amount of my mortgage payment again. When I questioned it they said they would look in to it and never got back to me. I recently sold my house and they were very difficult, they wouldn't give the title company the payoff even though I signed paperwork that they said the could. In the payoff, there were two months of Mortgage Insurance Premium. When I asked about it they said because it was because it is paid in arrears. So the entire amount was paid at closing. As of the date of the closing, I had {$90.00} in my escrow. They are refusing to return it to me. They are now claiming it is for mortgage insurance premium. However, as stated, that was paid at closing. They are unethical and should not be allowed to due business. They make you increase the amount you keep in your escrow every single year, they claim they don't make money of the escrow accounts but I find that highly unlikely. They need audited.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (CA)

I found this loan installment on my credit report that I do not recognize of the amount of {$3400.00} from a company called Acima I contacted the company and they could not recognize me and just told me that they going to go through investegation
Consumer complaint received 2017-10-17
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)

I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.