davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called the credit card company XX/XX/2020 to ask them to waive a service fee they started charging me after they promising that I wouldn't be charge for it anymore, the amount was about {$8.00}. At the same time I asked for the account to be closed. The agent promised me that the account was going to be closed. To my surprise, the account was not closed and they charged me service fees for the month of XXXX and XX/XX/2020 again and a late fee in the amount of {$29.00} in XX/XX/2020. Once, I found out about it I called them back to have this fees once again waived. They waived the fees again. The total amount was about {$58.00}. At that time I asked for the account to be closed again. They gave me a hard time. Before, this drama I had previously tried to close the account but they agent insisted to leave it open for emergencies and all service fees will be waived. Obviously, this did not occurred. All of these conversations should be recorded. They need to review the call logs to see that they were the ones making errors on the way the train their agents. They reported me 30 days late to all CRAs for the month of XXXX and XX/XX/2020. Last digits of this card are XXXX.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Incident Report # XXXX Bank of America Claim # XXXX This issue is simple. {$2000.00} was wrongfully and illegally withdrawn from my account via two separate ATM transactions, each for {$1000.00}. The first on XX/XX/2020, the second on XX/XX/2020. 

On XX/XX/2020, I spoke with Bank of America in regards to this incident, informing them the transactions were not authorized, and were fraudulent. 

On XX/XX/2020, I spoke with XXXX, a Bank of America representative. She informed me that the two transactions I had complained about where made at the following locations listed below. I was never in those locations and in fact not even in XXXX XXXX on those dates. These withdrawals occurred in the city of XXXX XXXX, in XXXX XXXX County, State of California. I live in XXXX County, and have not traveled to the city of XXXX XXXX at any time during this entire year. 

Nothing was done for me from that point. 

I faxed an Appeal to Bank of America on XX/XX/2020. Attached to this complaint as Exhibit A is the Appeal I faxed on XX/XX/2020 XXXX XXXX. 

I filed an official complaint with the XXXX County Sheriffs Department. Officer XXXX ( XXXX ) took my incident report on XX/XX/2020, at XXXX. 

I followed up on this official police report via email on XX/XX/2020 XXXX. Again I requested Officer XXXX to update me. No update was provided. 

On claimed they have sent my file to escalations on XX/XX/2020. I have not received any updated information from BofA on this. 

On the last call on XX/XX/2020 to Bank of America, their representative claimed they no longer even recognize the incident as existing. 

I have researched the law, and obtained assistance with addressing some of the legal portions of this situation. The Electronic Fund Transfer Act ( EFTA ), protects electronic funds transfers ( EFTs ) in bank accounts. My debit card is protected because it pulls directly from my checking account. Under the EFTA, Bank of America, N.A., had 10 days to investigate my claim and make or temporarily credit my account ( known as a provisional credit. ) They did not do so, and they have since literally erased my claim. 

In compliance with 12 C.F.R. 1026.13, I drafted and mailed a letter so that it reaches the creditor within 60 days after the first bill showing the unauthorized charge. 

The only way Bank of America, N.A. could have reasonably dropped my claim and refused to reimburse me is if I had failed to notify the bank within 60 days after my bank statement was mailed me you listing the unauthorized withdrawals. ( 15 U.S. Code 1693g ). 

IT HAS NOT EVEN BEEN 60 DAYS SINCE THE TWO FRAUDULENT WITHDRAWALS FROM MY ACCOUNT. THUS, BANK OF AMERICA, N.A., HAS NO LEGAL BASIS UPON WHICH TO SIMPLY CEASE RECOGNIZING MY CLAIM AND REFUSING TO PROCEED ACCORDING TO ESTABLISHED PROCESSES AND PROCEDURES WHEN A CUSTOMER REPORTS FRAUD ON THEIR ACCOUNT WHICH HAS OCCURRED THROUGH ONE OR MORE ATMS.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

My Discover Card payment for {$35.00} was not applied to my XX/XX/2020 - XX/XX/2020 statement after enrolling in a Payment Assistant Program due to Hardship and COVID 19, in which I am affected by. My payment was postdated, and mailed off on XX/XX/2020 at XXXX XXXX  USPS Post Office in XXXX XXXX. The program lowers the interest rate, and allows me to keep the credit card open for the year the program is in affect. The held back payment of {$35.00} that Discover Card refuse to apply cause the balance to go up to {$950.00}, when it should be {$900.00} with late fee deductions, returned check fees, and a miscellaneous fee of {$11.00} for no reason placed under payments and credits. The program began for me XX/XX/2020, and they received my XX/XX/2020 payment on time from the same post office. I let them know I will make my payments by mail, or money services. Discover Card Services violated the Federal Equal Opportunity Act Notice discriminating against me.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Last week, I had an incident that made me concerned for ID theft - who used my driver 's license to make drafts from my XXXX bank account. while I reported this to multiple agencies, I assume the same person- now made purchases from the Nieman Marcus website using my credit card for items I do not recognize. I did file a fraud report this morning, closed the current card, and locked it. However, I need to report this again - since this is more serious than I realized. These were three purchases that were made each day - I think the person was waiting to see how fast I could find out. 
XX/XX/2022 Neiman Marcus {$1200.00} XX/XX/2022 Neiman Marcus {$590.00} XX/XX/2022 Neiman Marcus {$240.00}
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2015 Wells Fargo accepted a bond for {>= $1,000,000} from the XXXX Family Trust. On XX/XX/2015 XXXX XXXX sent an email stating that the inquiry has been logged into the queue with the receipt number XXXX ( XXXX XXXX ). I was never able to access the funds because Wells Fargo Stole the bond and closed my account. Fraud has not statue of limitation.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX XXXX XXXX  {$2300.00}.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

1. I had several fraud transactions on my business checking account. As soon as I noniced them I called to bank ( XX/XX/2019 ) and opened the claim. Next day ( XX/XX/XXXX ) I came to US bank branch at XXXX XXXX XXXX, XXXX, CO XXXX where the banker helped me to fill the papers regarding my claim ( 5 unautorized transactions ). The bank returned my stolen money from 4 transactions. But denied the first one dated XX/XX/2019 of the amount of {$480000.00}. At first they said it was over 60 days between transaction date and the date I filed complain. What is lie, because it is actually 57 days. From XX/XX/XXXX till XX/XX/XXXX. Then When I showed the bank their mistake, they send me a letter saying that because I filled the papers incorrectly it was too late to make a refund of {$480000.00}. That is true. I had to come to branch again later and fill claim papers again. But on the first time I followed the instructions of US bank business assosiate and did everything as he told me. And that was his fault that my claim was filed incorrect. Bank did not notify me about any mistakes in my claim and I learned only during my next call them. XXXX XXXX XXXX, XXXX, CO XXXX. XXXX XXXX, branch Assistant manager - is the person who was helping me with my claim and failed the prossess. Also the papers were filled by me in barnch in person on XX/XX/XXXX, but claims department received them on XX/XX/XXXX. They we sent via fax by bank associate and it took several days to come over fax!. or no one did not really sent them that day. I dont know has it been made by purpose or by mistake. 

2. I filed the claim on Consumer financial protection bureau regarding this situation, trying to return my own money that I trusted to this bank. After this bank closed my checking account with all my money of aprox. {$27000.00} and my credit card. I did not have any issues with both of them and was a loyal customer
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (CA)

On About XX/XX/XXXX I learned that a fraud notice was place on my account for no reason Known to me. There is not now nor has there ever been any fraud on this account which I have had since XX/XX/XXXX. Not even a negetive balance. 
I spoke with customer service several times just to be transfered back and forth, Hung up on treated very Rude, and plain unfair. While trying to just gain access to my money.. 
During this time I inform this company that I was evitcted during the pandimic and therefor only have a XXXX XXXX XXXX my address and per there policy I cant get a replacement card nor close my account to withdraw my XXXX unless I created an address I donot have. They refused to take the block off they account because I was homeless. 2 months later they are still holding my money from me and refused to send My new card to they only address I can access to receive any mail my XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (IL)

I received a covid-19. Assistance differed payment for XXXX XXXX and XXXX. Well it should not be reporting XXXX and XXXX late on credit bureau please report correctly I will monitor this account very closely and a attorney is doing all the research and paperwork on this account. But for now since I differed XXXX XXXX and XXXX. Should not be reporting late. Copies been sent to credit bureaus and XXXX XXXX XXXX please make XXXX, XXXX, XXXX current thanks
Consumer complaint received 2021-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

Hello, Im shocked, surprised, XXXX  out both XXXX and XXXX to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-01-19
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. (NC)

The below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form also the IRS defines a charge off as a gross or ordinary income. Income can not be reported on a consumer report FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ). This is a defamation of my character and a violation of the law 15 USC 1681eb and because of that, these accounts are inaccurate and has to be removed.
Consumer complaint received 2020-11-24
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. (CA)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with TransUnion on my behalf, with no response from TransUnion. also i disputed with TransUnion 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the second time i'm submitting a complaint against TransUnion with the cfpb.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

A Payment for XXXX for XXXX XXXX was denied for insufficient funds from Chase Bank. A DD from SSD was scheduled for XXXX, and payment was made late on XXXX. 
As of today balance of {$390.00} from a {$580.00} DD. Purchases and payments do n't add up. Chase bank is stealing my money.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

After reviewing my credit report I filed a dispute with XXXX  for a debt held by Jefferson Capital Systems in the amount of {$2400.00} from XXXX XXXX. I filed the dispute on XX/XX/XXXX. About a week later I spoke to a representative from Jefferson Capital Systems pointing out that the debt was fraudulently linked to me. I have never had XXXX XXXX as a service provider. Additionally, the other address they referenced was located in West Virginia. I have never lived in nor visited West Virginia. I also do not have any family in West Virginia. Over the phone, the representative noted that she would add that I said that the debt was not mine and that they would no longer contact me. 

I received a letter from Jefferson Capital on XX/XX/XXXX regarding the debt. The letter indicated that if I did not reply in writing to the letter within 30 days, they will assume the debt is valid. Because they did not indicate the proper address to send the letter to, I sent letters to the following address on the letter I received : XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, MN XXXX Additionally, on XX/XX/XXXX I attempted to call their offices at XXXX CDT since their website said they were open until XXXX CDT. Upon calling I received notification that no one was available to answer calls. 

I disputed this debt a few years ago and it was removed from my credit history. However, I'm assuming it was resold to Jefferson Capital who is now attempting to collect the debt that had already been cleared from my history.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (CA)

XXXX XXXX ACCOUNT NUMBER XXXX I was hospitalized due to XXXX on XXXX XXXX. 
on XX/XX/2021 i called XXXX XXXX to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted from my credit report
Consumer complaint received 2022-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (FL)

I obtained a personal loan in XX/XX/XXXX I made extra payments when I took out the loan I was told that I can refinance loan for a lower interest rate once my credit score increased it did and the rates that were offering were significantly higher even though my score was better. 

I called and spoke with several representatives who didnt give me a resolve and they wanted me to wait another month to apply for a better rate. through a third-party XXXX XXXX and I qualified for a lower rate but when I went to the click the link it takes me to the site and the rate jumps significantly I called SoFi and they said that theyre having an issue with XXXX XXXX rates not matching what they have. With my current loan my auto pay was turned off which caused my rate to jump and it caused me to have a higher interest rate which I didnt do and also its making automatic payments from an account with theres no money causing its a bounce back which I didnt do I called in and they were very nonchalant about the situation saying oh it must be a system error now I dont know the exact amount that I owe on my loan I feel like this is some shady business going on and I would like this investigated they are not being truthful in their advertising with their rates theyre doing a bait and switch and its causing issues.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TN)

XXXX sent me a check for {$25.00} which was sent to an old address and then turned over to the state of Texas 's unclaimed property program. I do not have the required account documents to claim the check directly from the state of Texas.
Consumer complaint received 2020-11-05
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. (NY)

XXXX, XXXX  and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.