davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my Bank of America Checking account, using the Bank 's XXXX online banking transfer tool. The recipient XXXX for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the XXXX  was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX XXXX  was ( XXXX ) XXXX. I contacted Bank of America that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked Bank of America to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an XXXX XXXX XXXX XXXX  account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with XXXX XXXX XXXX and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XXXX XXXX, XXXX  ) from the investigations Dept. at Bank of America saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact you. ''
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I repeatedly tried to submit a security freeze request through the Equifax website and phone system today, and all I got were error messages. I was not able to get a security freeze, and I was not able to find anyone at the company who could place one on my account. This is a national emergency. Fifty percent of Americans had their data hacked through this company, and yet it is not providing any means of getting a security freeze on our accounts. The company should be shut down immediately, and it should remain shut down until it can provide security freezes on consumer data and other assurances that our data is safe.
Consumer complaint received 2017-11-13
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. (NY)

XXXX XXXX, 2017 my credit score dropped with transunion for no reason without explanation per XXXX XXXX. My XXXX score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
Consumer complaint received 2021-05-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I ca ll they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit. I've complained to all 3 Major credit bureaus with no luck. I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX and Equifax are allowing the reposting of a fraudulent account. The debt on this account has been transferred to multiple debt collectors after requesting that the data furnisher and the credit bureau block and notate the account last year in XXXX. I would appreciate if the bureaus did their job so my credit can stop the roller coaster journey.
Consumer complaint received 2021-05-23
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: Experian Information Solutions Inc. (AL)

XXXX bank corporation has a balance of XXXX and it is a credit card it was opened on XXXX XXXX and it is closed and it is a charge off, It needs to be removed it is not my balance and my account. This card has been on my credit and it has a balance that is inaccurate and it needs to be removed off it. The account has an balance that needs to be removed from my account.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has old addresses on my credit report that do not belong to me address is my aunt 's address. XXXX XXXX XXXX XXXX XXXX, PA XXXX Also has my mother 's day care as a place of employment for me. Never worked for my mother XXXX XXXX XXXX XXXX Names that appear on my credit report are also incorrect My name is XXXX XXXX XXXX Names reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt that I paid off almost 4 years is still showing on my credit report.
Consumer complaint received 2021-07-01
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. (MS)

I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Consumer complaint received 2019-11-07
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: Debt Recovery Solutions, LLC (MA)

The XXXX XXXX XXXX account on my XXXX credit report was supposed to be deleted a long time ago, I have told XXXX many times that the company that owns that account as of this moment has agreed to delete the account and I have given them prove of it thru the CFPB, the conversation that I had with the company that owns the account has also been provided to experian and it seems like they ignore it. I dont like it when a company thinks that they can do whatever they want with a consumers credit report and not care one bit, I have disputed this account with them like 3 different times and they wont delete it, they just keep updating the account.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Company is Comenity.net/easypay I used credit through Wayfair ( not knowing it was Comenity at the time ). They swear they sent me statements, called and emailed but I never received these messages and only occasionally received statements in the mail. In XX/XX/2021 I called and paid off the bill, per their representative what I paid was the payoff. Since then they have been adding interest and late fees which I have paid several times, today being I hope the last. I believe they have milked me for over {$100.00} in late fees and interest on late fees. They refuse to remove the late fees. Today I called after receiving another bill yesterday for {$30.00}. The statement said the balance was {$30.00}. When I called complaining " XXXX, ext XXXX '' said I had residual interest each payment and they were charging the late fee and additional interest. I paid off, again, what she says is the balance which today was {$30.00} ( different than the statement ). So from this I presume that I am being charged $ XXXX/mth late fees on {$0.00} plus {$2.00} interest ( minimum interest ). This is unfair as I called in and paid off the balance in XXXX. I have been paying this each time thinking I am paying off the account and they keep adding more and more interest. I believe they owe me $ XXXXmonth for XXXX, XXXX, XXXX and XXXX with interest at same rate they charge ( {$2.00} monthly minimum charge ). Today, XXXX told me this is industry standard to keep charging clients this way. It is way out of line and I have never had a bank do this to me. I have hit some hard times, especially with COVID, but I pay my true bills.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Circle Internet Financial ()

I had a position in XXXX with XXXX ( XXXX, XXXX. XX/XX/2019 - XXXX, MA, USA ) I sold the XXXX  and converted them to USDC for remittance to my bank account with XXXX XXXX  in XXXX. 
XXXX transferred the funds to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) to make the transfer to me. 
Circle require verification of destination account and for this asked me to make a transfer of US {$5.00} to their account with some unknown bank ( XXXX XXXX in XXXX XXXX The XXXX code they provided for XXXX XXXX ( XXXX ) is wrong/does not exist and my bank can not make the transfer to verify my account. 
I informed them about this and they asked me to try some other XXXX codes all of which did not work either. 

Circle are basically washing their hands and I can not receive my money.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (TX)

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company NAVY FCU was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

TDRetail Credit XXXX.-XX/XX/2020 Checked my credit report and my score dropped by 95 pts. I investigated and learned that XXXX reported a missed payments for 90 days. I assumed I was in the COVID 19 act and delayed my payments. When I called XXXX they informed me that I needed to register for program. That was the first I learned of this. I never received a bill or notice of late payment, in the 90 days I told XXXX I would pay my bill but they refused to cooperate and would not remove the report to the credit bureau.
Consumer complaint received 2022-03-29
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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
Consumer complaint received 2019-11-07
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (TX)

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to XXXX at the instructions of the scammers.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optimum Outcomes, Inc. (NC)

Optimum Outcomes, inc have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre constantly sending illegal mail to me stating I owe a debt. How can you pay something in a positive balance? Please explain.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not responded to my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex System reference ID : XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (NV)

I financed a car from XXXX XXXX i recieved the loan through credit acceptance XX/XX/18. I went to register my car and the DMV said my car was a stole car my son was put in handcuffs and we were detained. I happened to have my financing paperwork with me so the officer seen that I didnt steal the car. The officer ran a check on the paperwork that i provided him with and found out that the car lot sold the car I financed to someone out of state. I contacted the dealership about the incident and they returned my down payment .I also contacted the bank to get the money i paid into the car loan they said that they would be sending me a refund check for the amount i paided into the vehical that was on XX/XX/18 now when i call asking about my check the bank reffer me to the car lot and vise versa. I asked if they could put track on the check and i get no help.
Consumer complaint received 2019-02-22
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. (GA)

An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Arcadia Holdings, LLC (NJ)

Repeated SCAM robocalls from XXXX XXXX ( or XXXX? ) at Arcadia Recovery Bureau at XXXX or XXXX. No such debt exists now or ever has.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

OneMain Financial submitted credit application with out any knowledge of application, after contacting Branch Manager XXXX XXXX and OneMain Financia, they claim that NO application was ever submitted, but XXXX sent a offer for my information to be possessed as a credit application.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP (IL)

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The Chapter XXXX was discharged in XX/XX/XXXX. Selene Finance is reporting on the credit report to XXXX that I was late on a payment in XX/XX/XXXX. In fact, this property and mortgage was included in the BK. they also are reporting activity on the account AFTER the XX/XX/XXXX BK start date. 
Both of those actions are in violation of the Fair Debt Reporting Act. As you know, the Fair debt Reporting Act forbids creditors from trying to collect a debt once BK proceedings have started. They also are still reporting as of XX/XX/XXXX " activity '' on this account that has been deleted since XX/XX/XXXX.
Consumer complaint received 2019-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was trying to buy concert resale tickets, and I met the woman on XXXX XXXX. We had a conversation on XX/XX/XXXX, and I decided to buy the tickets from her and sent the money via Paypal. She told me her colleagues Paypal account which was XXXX, and I sent USD XXXX on XX/XX/XXXX. However, today ( XX/XX/XXXX ) I tried to reach out to her again but her XXXX account was already deleted and I could not see the messages because the messages were all blocked. So, I would like to get my USD XXXX ( XXXX including Paypal fees ) back from these scammers.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Dear XXXX XXXX, I have a credit card with XXXX  XXXX. I made payments on time, but after XX/XX/XXXX payment, I had a hardship. I miss some payments. On XX/XX/XXXX, I contact XXXX  XXXX and talk to a representative about my credit card trying to take it out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$170.00} in XX/XX/XXXX and {$30.00} in XXXX and leaving a XXXX balance that I owe because it was {$35.00} instead of {$30.00}. There was a balance credit before I made that {$30.00} payment on my XXXX  XXXX card while still in the store I try to make a {$3.00} purchase on my card and it declines. I was upset and embarrassed at the same time. My XXXX  started to hurt while in XXXX XXXX store. I went to see my doctor the very next day. This have became to be unhealthy for me. After making payments I was told that I can't file for hardship, because my account is in good standing and I don't qualify for hardship. I miss 6 payments, because I was sick and lost my job. Why didn't a representative tell me about the hardship program, before a family member made this {$170.00} payment for me. I'm still lockout of my online account online and card. I just talk to a hardship representative today, XX/XX/XXXX at XXXX in central time and was told that I dont qualify for hardship anymore because my account is in good standing. 

Sincerely yours,
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

I set up a payment agreement for {$50.00} a month in XX/XX/XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XX/XX/XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.