davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Incorrectly charged 11 Monthly Maintenance Fees totaling {$88.00}. Initially signed up for linked checking and savings account was not charged fees. Signed up for preferred rewards program in XXXX and did not maintain a $ XXXX  minimum balance and did not qualify for rewards points. My savings account was then charged a monthly fee. I was told my accounts would not change if i signed up for rewards points i just need to keep a minimum balance to accrue rewards points. Timeline below. 

XXXX - Opened checking and savings account. Accounts were initially linked to avoid being charged a monthly maintenance fee. 

XXXX - Walked into a Bank of America branch and was positioned to sign up for preferred rewards. I was told there would be no changes to my accounts and i would be eligible to accrue reward points if i maintained certain minimum balances. 

XXXX - I purchased a home and withdrew a large portion from my checking and savings which caused my account to fall below the rewards program minimum threshold. 

XX/XX/XXXX - Monthly maintenance fee of {$8.00} commenced. 

XX/XX/XXXX - Contacted Bank of America and they indicated they can not refund previous monthly maintenance fees because the current savings account is not eligible to be linked to my existing checking account. I was told my accounts would not change when i signed up for the rewards program and I thought my accounts were properly 'linked ' because i had ongoing to " Keep the Changed '' transfers authorized from my checking to savings.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Account JPMCB Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. XXXX XXXX XXXX Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

In XXXX I paid down half my balance on my XXXX card ( I made on time monthly payments ). They reduced my credit card limit down to the amount I still owed. I contacted them about it and they blamed my credit score. 
I paid off the remaining balance on XXXX XXXX, 2017 and they closed my account! XXXX credit card is owned by XXXX XXXX. When I read complaints online, they are known for reducing/ cancelling people 's accounts when balances are paid off, even people with excellent credit. This reduction/closing hurts people 's credit scores. While my score is n't good, making on time payments and paying off the balance was supposed to be the right actions to help build it.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got EDD debit card ( California ) from Bank of America few months ago. 
Unauthorized Cash was withdrawn from my EDD card, even I had this atm Card whole time and no one know PIN number. 

On XX/XX/2020, {$1000.00} was withdrawn ( unauthorized ) from ATM machine. Next Day morning ( XX/XX/2020 ), I called the Bank of America customer service and reported fraudulent charge on my EDD ATM card. 
On XX/XX/2020 received a letter from Bank of America that said case was already closed. The reason was subject of fraud or suspicious activity. So they are saying they are not going to reimbursement of the fraudulent charge. 

On the actual Letter from Bank of America, the responses date was XX/XX/2020. So seems like with one business, BoA claim Dept made decision for favor of themselves. Not protecting the customer. The response letter was not saying much ... 


FYI, when I first got BoA atm Card, there was a Welcome package in the envelope. It said Zero liabilities on unauthorized charges. 

So I called Bank of America, many times but soon as they pick up the phone calls from me they hang up the phone calls. Usually I had to waited for 2hours or more for each calls. 
So I could not talk to them. 

This is totally wrong business practices Bank of America are doing now. I searched online there were countless of similar to cases of mine. Many people are speculating that Bank of Americas system got hacked.

Please investigate this Bank of America EDD Card fraud cases. Thank you.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

FXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-18
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: CCS Financial Services, Inc. (TX)

I paid my insurance bill as scheduled to XXXX. and they sent my information to a creditor and the account was already paid. They refused to delete the account from my report even after disputing and sending in proof.
Consumer complaint received 2020-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ON OR ABOUT XX/XX/2020 TRANSUNION RECEIVED A DISPUTE FROM ME PERTAINING AND UNVERIFIABLE, INACCURATE AND INCOMPLETE ITEM REPORTING IN MY CREDIT REPORT. 30 DAYS PASSED AND TRANSUNION FAILED TO RESPOND TO MY DISPUTE, IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE. PURSUANT TO SECTION 609 AS REQUIRED FAIR CREDIT REPORTING. TRANSUNUON HAS OBLIGATION MANTAIN MAXIMUM POSSIBLE ACCURACY ON MY CREDIT FILE AND HAVE FAILED TO DO SO
Consumer complaint received 2023-03-29
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 2020-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

I received a collection notice from a firm for a XXXX credit card purchase and penalty and interest. The card was issued from Comenity Bank. I have no record of the credit card, no record or awareness of the purchase. I never received any information from XX/XX/XXXXComenity regarding a credit card, terms of the credit card, the disputed transaction ( including item purchased and sales cost ), annual percentage rate, terms of payment, late payment penalties, or any other notifications that may be required under the Truth in Lending Act, Fair Credit Billing act, or other fair credit/consumer protection act. 

I reviewed this with one of the collection companies. After numerous conversations about the situation, I was finally provided with a copy of a credit card bill, with no information of a transaction, but only a statement of past due amount and interest and penalty charges for that month. I requested documentation of the transaction but none could be provided. I therefore filed fraud dispute. 

Comenity Bank responded to the dispute stating that their investigation found no basis for my dispute and they would thus commence forwarding statements to me. They have still provided no information regarding a purchase transaction, a credit card, terms of the card, etc. Their response stated that they received my dispute on XX/XX/XXXX and they " completed their investigation '' and composed their letter one day later on XX/XX/XXXX. 

In conversations with the collection company it was found that the alleged credit card bills were sent to a general area where I was living but it was improperly addressed to an address that does not exist. I would never have provided that address to anyone, and I am not aware how they obtained it. 

I have been harassed by collection companies for months on this issue and have never received any information to validate their claim of a purchase or credit agreement. 

Past correspondence to Comenity is attached.
Consumer complaint received 2020-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX  is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2020-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2021-04-08
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. (LA)

On XX/XX/2020 The creditor notified Equifax to remove the delinquent account due to the account being including in my bankruptcy. I have disputed this account numerous times. Equifax disputes shows its being report correctly. I have included a copy of my bankruptcy statement also verifying that the account was included.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX However, they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-10-29
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: CITIBANK, N.A. (TX)

CitiCard Several charges were made in XX/XX/2020 were disputed because they were fraud charges. The company never gave me credit for those charges. I contacted them again last week and they said they would credit my account. They still have not credited my account for those charges. 
The fraud charges were as follows : XX/XX/2020 XXXX XXXX for {$760.00} XX/XX/2020 XXXX XXXX {$89.00} XX/XX/2020 XXXX XXXX {$140.00}
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

I find mistakes in my credit report and would like to dispute inaccurate information in my credit report about XXXX XXXX with Wells Fargo Bank for an Auto Loan of {$10.00}, XXXX + that appeared that I owe double what I really owe and it surely affected my XXXX XXXX from XXXX ( Excellent ) to XXXX ( Good ). 

Thank you and hoping for your kind consideration on this matter.
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

For the last several years I have been late on my mortgage payment. Every month I faithfully paid a {$28.00} late charge. This was accessed as the payment was over 15 days late, which I paid.

I recently brought the loan current, however, the late charge was continued because WF claims it is now accessed from the first day of the month in which the payment was due.

The Financial Note ( Page 2 ) clearly states the late charge is accessed 15 days from the first of the month the payment is due. This is a financial contract, corner stone of the mortgage and can not be changed.

Please answer, why even bring the loan current?
Consumer complaint received 2019-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TN)

Santander Consumer USA is the name of the financial institution. I bought a car from XXXX XXXX in XXXX, TN where I reside. It was a 2012 XXXX XXXX. They sold me the car for {$14000.00}. I paid {$2000.00} dollars down on the vehicle. Santander Consumer USA loaned me {$12000.00} at a 24 % interest rate. Theyre saying I still owe them almost {$7000.00}. Ive paid them {$300.00} for 46 months. If I was to pay them any moneys after what I believe to be the last two payments of {$300.00} it would be outside the fair market value of the car and further violative of both federal and state laws governing lending institutions. There principle place of business is located in XXXX XXXX, Texas XXXX, XXXX. XXXX XXXX. ( XXXX ) XXXX. That their lending having me to pay another {$7000.00} should be treated as usury interest.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (VA)

On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria Money Transfer to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.
Consumer complaint received 2020-08-30
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)

After reviewing my Transunion, XXXX XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.
Consumer complaint received 2017-09-25
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. (TX)

On about the XX/XX/XXXX, I complaint another submission to Experian on XXXX XXXX- this company has reported that i had one month of service in XX/XX/XXXX and XX/XX/XXXX which, I had service with XXXX XXXX and no service due to ( XX/XX/XXXX -XX/XX/XXXX ) to I rent a room on ____. This company continues to slam me with services not rendered and Experian is fully aware by previous complaints but, Experian refuses to remove the inaccurate information on my report.This company is aware of false reporting but, Experian is allowing them to proceed with this information to hurt my credit because, I am a XXXX XXXX XXXX XXXX XXXX and depend on grad plus loans to continue my education. Experian and XXXX are know harassing me to the point of filing a legal suit. I am aware Experian is a business that recieves funds on reporting from XXXX XXXX but, I have asked them to raise above and conduct an investigation. It 's not right or fair for a company to be bias with reporting or other look companies that are violating the law or other ethical condition. I will be filing this with the Texas Attorney General and other federal agencies because, Experian has a duty to uphold and it 's not happening. XXXX is getting away with false and fraud reporting -- ONE MONTH OF SERVice in XX/XX/XXXX and XX/XX/XXXX Experians is turning their heads to ethical issues that makes equal to the same submission..