davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was on XXXX XXXX where I met a gentleman who sent me fraudulent checks via email to deposit into my account and send to the following accounts : XXXX, XXXX. The check has XXXX XXXX XXXX banking with XXXXXXXX XXXX and XXXX in XXXX XXXX New York, XXXX number on check is XXXX XXXX : XXXX
Consumer complaint received 2021-05-04
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: JPMORGAN CHASE & CO. (IN)

During XXXX of 2020 XXXX  delivered two unauthorized boxes to my home from Amazon. I did not order or request these two packages. They are still sitting in my garage unopened. I immediately called Amazon to inquire about these packages. All they told me was that they would investigate the case. They put charges totaling around {$250.00} on my amazon credit card. I called the Fraud Department at Amazon  back in XXXX of 2020 to report and dispute this scam. Amazon  removed these charges back in XXXX and XXXX to resolve the issue. They closed that specific credit and they wanted to send me a new card. I TOLD THEM TO NEVER SEND ME ANOTHER CARD FROM AMAZON. I DO NOT DO BUSINESS WITH CREDIT CARD COMPANIES WHO ENGAGE IN DECEPTIVE BUSINESS PRACTICES. During this same time period Chase credit card put an erroneous {$100.00} charge on my account for some unknown transaction. Keep in mind that I have had these cards for over 30 years and I have never experienced this kind of dishonest activity. Anyway, the Fraud department removed this fraudulent charge of {$100.00} from the Chase card. AGAIN, I TOLD THEM TO CLOSE BOTH ACOOUNTS AND TO NEVER SEND ME ANOTHER CREDIT CARD FROM AMAZON OR CHASE. I cut up and threw both cards in the trash as I was finished with them and this issue had been resolved. Here it is four months later, and Amazon/Chase has rebilled me for {$100.00}. When I called the Fraud Department about this, I spoke to a XXXXXXXX XXXX. All she did was talk over me and refuse to listen. She did not listen to me and she ended up hanging up on me. I have an excellent credit rating and I do not want to ruin my credit. The bill is due XX/XX/XXXX and I definitely do not plan to pay it as I do not owe them anything.
Consumer complaint received 2018-04-09
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Real Time Group, Inc. (AZ)

Real time solutions is sending letters to my home with my ex wives name on them. This is upsetting myself & my current wife of 8 years and not wanting to explain to our children the names on this mail. My ex and I had a very messy divorce and real time solutions is aggravating my emotional state. I had to spend many years recovering from that emotional nightmare and these letters are now bringing major emotional stress to my life.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I transferred {$100.00} to an individual through XXXX XXXX  which is linked to my Bank of America checking account. The recipient also has XXXX XXXX. She refunded the {$100.00} back to my XXXX XXXX account on XX/XX/21 and on XX/XX/21 I selected the option to refund the XXXX XXXX  back to my Bank of America checking account via a transfer. After two weeks I noticed the funds were still not in my BOA checking account, so I reached out to XXXX XXXX to file a claim and was given a case number. XXXX XXXX  said the account number was wrong and so that is why the funds didn't transfer to my BOA account. I did not physically enter the account information for the refund ( I only selected the option to transfer the funds back to my BOA account where the funds came from ) and all other XXXX XXXX transfers before, during, and after that were processed without any problems, using the same method. However, the account number XXXX XXXX  transferred the refund to is not my BOA checking account number or my BOA debit card. I don't know where the other account number that XXXX XXXX  used for the refund came from. It makes me wonder if my account was hacked. In any event, I promptly notified each company. XXXX XXXX was notified immediately and did not do a proper investigation. Now they say too much time has lapsed for them to retrieve my funds. I should not be penalized because they did not conduct a proper investigation into their mystery account number that I did not enter and does not show up on my XXXX XXXX profile. Either XXXX XXXX or BOA owes me a refund. 

I disputed the missing funds with BOA and they sent me a final letter on XX/XX/21 stating the claim was denied and they reversed the provisional credit. BOA said, " PMNT SENT XXXX XXXX  XXXX  - XXXX is a third party who's responsible for transferring the money from your account to the recipient. We recommend you contact the recipient directly for further assistance with your dispute. '' I have been given the runaround by both BOA and XXXX XXXX. One of them has my {$100.00} that I urgently need to pay bills during this pandemic. I am 8 months pregnant and their inability to resolve this is causing me a lot of stress. Please help me get my {$100.00} back.
Consumer complaint received 2018-07-26
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. (UT)

FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education
Consumer complaint received 2018-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to the bureaus on XX/XX/2018 regarding some late payments on my credit report regarding my XXXX XXXX XXXX XXXX with A/c # XXXX XXXX, XXXX, XXXX and XXXX. I reached out to the bureaus to make a XXXX XXXX but I never received a response from them from this time. I tried making a XXXX XXXX as I had fallen on some hard times and were not able to make my regular payments.
Consumer complaint received 2018-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

Hunterwarfield has been sending letters that they took over a debt originally with XXXX XXXX for rent North Carolina. I never lived in North Carolina. They are trying to say I rented a home with them and that is not correct because I have proof that I lived in West Virginia and was still working daily in West Virginia when the alleged contract was signed. I have asked several times for verification and have not been provided the information. When I dispute, They remove it from my credit, and then put it back changing the balance from {$1200.00} to {$1200.00}. Making it seem like I have been paying on the debt when I havent because it isnt mine.
Consumer complaint received 2017-12-18
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: GREAT WESTERN BANCORP, INC. (IA)

I have a health savings card through my employer. I had ordered some vitamins online, two products, and have the receipts for {$4.00} each. My health savings card was charged 4 times, 2 at {$69.00} and 2 at {$79.00}. I went to the bank that my employer uses for our XXXX account, filed a dispute, and they denied it. They did not ask any questions, just went by what the people who charged my card without authorization from me told them. I do not see how this should be allowed and not be taken care of by the people who I put my trust into, our bank. Our bank is Great Western Bank, and I talked with their acting manager, XXXX, at XXXX. I am furious over this. {$300.00} stolen from me and they will do nothing
Consumer complaint received 2018-07-26
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. (NJ)

XX/XX/XXXX - settlement on account ( after taking advantage of my older grandmother for {$14000.00} after offering me to settle for {$8000.00} ) XX/XX/XXXX/XX/XX/XXXX - settlement letter sent from XXXX XXXX in response to XXXX XXXX request to verify the debt. ( Not received - info provided on a recorded line by a supervisor ) XX/XX/XXXX - charge off on XXXX XXXX account. 
I called and spoke to 4 different people. The supervisor, XXXX # XXXX, informed me they made a terrible mistake. He insisted he would escalate this and have it retroactively applied to my credit report to show it was paid in XX/XX/XXXX. 
Called again Various times throughout XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I asked XXXX how they can charge me off and at the same times months prior send me a settlement letter showing it was paid. That is the definition of willful neglect. To send me documents that say we no longer owe and then months later XXXX my credit report.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

On XX/XX/XXXXat XXXX XXXX  I contacted Pro Collect Inc concerning a debt that reports on my my credit report from XXXX XXXX XXXX. I asked for proof of the debt and I was sent a ledger from Pro Collect. I did not receive a copy of a lease or proof that they were trying to collect a valid amount. They did not send anything with my signature on it to prove that i had a valid debt or contract from XXXX XXXX XXXX. They informed that they sent letters that was never received concerning this account. The ledger is not a signed document to prove that this is my debt nor does it show the valid amounts according to any lease agreement that binds me to this debt. This situation has been going on for over a month and I have still haven't received any follow. The letter that accompanied the ledger stated that their client the OC contends that this is a true and valid debt. This being on my credit report is not only messing up my credit but it is preventing me from receiving credit from potential lenders. I need this information removed from my credit report because it violates my rights and it doesn't show any validity of any debt or any correct amounts. How could I owe {$790.00} For rent, {$670.00} for reletting fees, {$790.00} for termination fees, {$740.00} for damages like trash, cleaning, misc., paint and locks plus rent in the amount of {$790.00} for each month from XX/XX/XXXX to XX/XX/XXXX that's almost {$2400.00} and late fees of {$450.00} totalling {$5800.00} with No such proof. How could I move out in XX/XX/XXXXand owe all of this money before I even moved. Not my debt and this debt is not valid. I am demanding that it be removed because my rights are being violated and demanding a contract with my signature that says I agreed to pay this or a agreement with my valid signature.
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (NV)

My personal information was involved in the Equifax data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.
Consumer complaint received 2018-07-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL (NJ)

I had a {$50000.00} CD with Synchrony Bank that was scheduled to mature on XX/XX/18. The bank sent me a reminder notice of the maturity on XX/XX/18, I contacted the bank via phone on XX/XX/18 to inquire about reinvestment options. I was quoted a rate of 2.45 % for a term of 14 months. This rate was also advertised on their website. I gave instructions to roll the principal into a new CD for 14 months at 2.45 % apy on the maturity date. When the maturity date came, the bank opened an account for the correct term of 14 months, but at a lower rate of 2.40 %. When I inquired about this, I was told that the rate that I had been quoted was a promotional rate that had recently ended. The bank invested my funds at the agreed upon term of maturity, but decided to lower the APY that they had quoted without making any attempt to contact me. I requested that the bank adhere to the terms that they had previously confirmed to me, and they refused. They did not deny that I had been quoted a higher rate, but would not honor that quote. I contend that the appropriate course of action would have been to either contact me and let me know of a change to the agreed upon rate, or return the funds to me. I have closed the account, and am awaiting return of my funds, and I am being harmed by the interim loss of interest.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I have requested multiple times VALIDATION of this alleged debt. I have advised a past bill is NOT validation. I am requesting VALIDATION of this alleged debt in the form of a signed contract with the company seeking funds from me, Diversified Consultants. I have NEVER signed a contract with DCI and have no obligation to pay this company.
Consumer complaint received 2021-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I called Capital One they credited my card for {$5300.00} after telling me to cancel my trip with XXXX. Capital one is not identifying themself and taking responsibility. They say they don't have to. Read the attached response.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

REVISED STATEMENT : COMPLAINT XXXX. On XX/XX/XXXX contacted BBVA in regards to receiving my provisional credit for Account ending in XXXX. Customer service representative refused to give me the fax number to fax my complaint and when I requested to make a request over the phone to provide proof of my complaint she stated there was no record of my complaint even though I provided her with my claim number from Consumer Finance. I am revising and updating my complaint due to BBVA Compass bank stating they have no record of my complaint. My initial complaint was completed on XX/XX/XXXX allowing the following disputes to be addressed and researched. I am disputing the following charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total unauthorized charges/transactions in error : {$1500.00} After investigating these charges ; I am also disputing the NSF ( non sufficient funds ) fees associated with these charges. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX Non-Sufficient Funds Total : {$380.00} TOTAL DISPUTED CHARGES : {$1900.00} ATTACHED ARE RECEIPTS FOR TRANSACTION IN THE AMOUNT OF XXXX VERIFYING AMOUNT PAID NO MERCHANDISE. 

XXXX RECEIPT FOR ONE TRANSACTION IN THE AMOUNT OF {$750.00} CARID EMAIL STATING REFUND WAS TO BE PROCESSED IN THE AMOUNT OF {$190.00} LETTER RECEIVED ON XX/XX/XXXX DENYING TRANSACTION IN THE AMOUNT OF {$4500.00} FROM XXXX. I HAVE NO RECOLLECTION NOR ANY DOCUMENTATION OF THIS PARTICULAR DISPUTE OR FUNDS BEING REMOVED ON THAT DATE. 

EMAIL RECEIVED ON XX/XX/XXXX VERIFYING THE 10 DAY TIME FRAME HAS EXPIRED AND BANK REQUESTING ADDITIONAL TIME.
Consumer complaint received 2020-09-04
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. (NY)

TRANSUNIONThese 3 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The XXXX Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX XXXX XXXX {$220.00}
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (MD)

In XX/XX/XXXX I noticed an account from Credit Protection Associates via XXXX XXXX XXXX in the amount of {$260.00} from back in XX/XX/XXXX. I have sent several letters trying to resolve this account that doesn't belong to me. I have never had this service nor have any knowledge of such company. I have copies of letters I mailed to CPA EXPLAINING the false account, yet they insist they have proof of which they won't provide. They responded as To one letter as verified. I asked who verified it and provide me with proof so that I may prove that person in question also have no proof. I have signed and been giving copies of my signature on every product I have ever purchased. they can not provide my signature do to the fact they don't have it. I have been targeted to pay monies they can't collect from the person they can't find. it's been havoc in my life so far and I need this to end. Please help resolve this false blame so I may move on with my life. I have served my country true and for that I am able to use my VA loan to purchase a home, however this infestation on my credit report is making that difficult. CPA needs to stop harassing me with this account I do not owe.
Consumer complaint received 2018-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The following company has made multiple inquiries of my credit. I am not applying for new credit. 
Dates include according to XXXX report include : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Student Loan Center (TN)

I was called by Premiere Student Loans on XX/XX/2018. They told me that I am eligible for student loan forgiveness. They said the federal government was going to forgive 70 % of my loans on an income-based forgiveness program if I provide them with 2 of my pay stubs, told me all of the amounts that I now owe ( approximately {$10000.00} ) and started me on a payment plan for 245 months. For 5 months they will take {$230.00} from my bank account and for 240 months they will take {$40.00} on the XXXX of every month. They have my card information, social security number and changed my FSA ID password. 

Here is the contact information from the student loan advisor I talked to : XXXX XXXX Student Loan Advisor PREMIER STUDENT LOAN CENTER Direct XXXX Fax number XXXX XXXX XXXX
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Convergent Resources, Inc. (CA)

I keep getting calls from XXXX XXXX to collect a supposed old debt but am on XXXX and those funds can not be attached. Previously, in XX/XX/XXXX or so of last year, they attached {$320.00} with no warning or notice from a joint account that my then payee had for me. After she dealt with them, they returned the {$320.00} and said they would not do it again. However, I have moved and no longer have a payee, and they just started calling me again. I want this harassment to stop. Can you please help, at least simply just reply ; I do not want to be ignored. PLEASE reply