davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of an internet wire transfer scam. This involved XXXX XXXX, Bank of America, Alliant Title and Escrow for the closing of my house in Florida. 

I feel Alliant Title and Escrow bear the most responsibility to have prevent this from happening. The reason I say this is because the hacker/scammer use the office manager look alike logo to intercept the closing. The manager was sending out emails with my information with incorrect property address. She doesn't verify any of the email she sent out and I find few emails afterward that was sent to me and in spam box with wrong address information and confidential documents without passcode. 

XX/XX/2022 Scammer initiated email on closing wire instruction. ( loan officer was cc on email and didnt catch it ). 

XX/XX/2022 I went to XXXX XXXX  and XXXX  officer and I were on the phone with Alliant title with wire instruction. Title office manager failed to verify the correct information. A wire transfer was drafted. 

XX/XX/2022 I went to XXXX with the drafted wire and wire instruction. A copy of wire instruction was not included in closing package ( mobile notary ) in the morning. An email was sent to title company that a wire was sent. Title company manager ( main contact ) email back stating wire takes some time and its normal they dont get money right away. I realized this is not true from the bank. Wire transfer are instant. 

XX/XX/2022 Alliant Title and Escrow office manager email out asking where the XXXX exchange company and I wire the money for closing. As it turns out, XXXX exchange company wired the money to the 1st title company. She never updated the XXXX exchange company the new wire information or never verify of wire instruction she email out. 
XX/XX/2022 I request my bank, XXXX to do a SWIFT recall on the wire transfer against Bank of America. The fraud account is a domestic account. 
XX/XX/2022 File OCC and FBI-IC3 online for internet wire transfer scam/fraud. 

I have filed a case with XXXX XXXX  on XX/XX/2022 and IC3 report on XX/XX/2022. I also filed a complain with OCC but case was closed by them. 

Its already 90 days and no resolution yet. XXXX XXXX  say Bank of America didnt not deny or respond to recall of fund.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rushmore Service Center, LLC (PA)

This is someone trying to collect a debt that is not going to be paid on nor will I aloud any kind of fraud to happen. This debt collector is collecting a debt that was removed from the credit bureaus due to fraud. They are attempting to now collect on that account that was removed for fraud. I want no contact about this account again. It will not be posted to my credit or I will sue. I already sued another creditor so if you contact me in regards to this I will let my FDCPA attorney know and we will sue you.II want no more harassing phone calls or letters from you. If you try to put this in my credit you will be sued for violating the law. I want nothing to do with you or this fraud account so no more contact at all. 
It started with the XXXX XXXX card I had them removed from my credit reports due to fraud and abuse. This company I just got a letter from and I got tired of dealing with the first premier card. For my loan, we did a three-way with XXXX  and they claimed to not know XXXX. I was approved for a loan. XXXX  asked them for information on the account nothing matched up with them or my records. First, they said I owed them XXXX then XXXX then XXXX then XXXX then XXXX Which XXXX  was on a three-way line with me and my loan company at that time. They are trying to commit fraud to the point XXXX  and XXXX  removed them right away. Lied about a balance owed lied about my information. The credit bureau removed them and put a fraud alert on them due to it.Now this company is claiming a totally different thing XXXX when they claimed only XXXX was owed and refused to correct any of their bogus claims. So please stop the harassment.
Consumer complaint received 2021-11-30
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)

I sent a dispute letter to XXXX on XX/XX/2021. The letter was about late payments for a student loan thats under the Federal CARES Act. Also, I disputed some accounts that had no names or addresses for the businesses that allegedly reported the accounts. Equifax said it was verified but I can not understand how that was possibly if they can't provide information about who is reporting the account.
Consumer complaint received 2022-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

I applied and received a XXXX forbearance back in XX/XX/XXXX for 6 months. In XXXX my mortgage was sold to a new company and I resumed payments in XX/XX/XXXX then the mortgage was sold again in XXXX to my current mortgage holder and I made a couple of more payments. In XXXX the stoped taking payments. I applied for a loan modification with them providing proof of pandemic forbearance and income etc.I was denied in XXXX. I was approved by my original mortgage provider to make payments. But My new company wont take them. Any help is appreciated. Time is of the essence XXXX is 6 months since they stopped taking payments they say I am 11 months behind, 6 from XXXX relief and 5 from them not accepting payment, they have been wanting all missed want all payment in full, I am being forced into foreclosure. this is also my primary residence. Thank you in advance.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate.

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXXXXXX XXXX XXXXL- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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. (WI)

I disputed some accounts back in XXXX that I didnt recognize, I watched some videos on XXXX and came accross one that said these accounts need to be reporting 100 % accuraley. Well I disputed them for having multiple FCRA violations and most of them were deleted only to be reinserted without proper notifcation to me. 

These accounts are 1. ) XXXX XXXX Acct # XXXX 2. ) XXXX XXXX Acct # XXXX 3. ) XXXX XXXX Acct # XXXX 4. ) XXXX XXXX Acct # XXXX XXXX. ) XXXX- ACCT # XXXX Now they are reporting as 1. ) XXXX XXXX ACCT # XXXX 2. ) XXXX XXXX ACCT # XXXX 3. ) XXXX XXXX -ACCT # XXXX 4. ) XXXX XXXX ACCT # XXXX 5. ) XXXX ACCT # XXXX There are other accounts that are still reporting erroneously and would love to understand how these reporting agencies can do this without repercussion. They are not above the law. They should be removed off of all 3 bureaus and not just one or the other, If theyre all getting information from the same place they should all be reporting accuratley or removed from all 3! 
Here are the list of accounts that should not be there! 
XXXX XXXX ACCT NUMBER XXXX AND THERE ARE TWO ACCOUNTS WITH 2 BALANCES {$240.00} AND {$310.00} XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (ND)

It is a revolving account that has exceed statute of limitations. The company is SYNCB. Opened XX/XX/scrub>XX/XX/XXXX. Please delete ASAP. This has been on my consumer report for 19 years. This is innacurate reporting and must be deleted
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXXXXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Citibank abruptly locked my checking account with a balance of {$1500.00} allegedly because of fraudulent activity. I did not request them to make a debit card nor have I ordered checks for the account, so the only access to the account is either in-person at a branch ( I live in XXXX, and there are no branches in the entire city ) or through online means such as XXXX, XXXX, XXXX XXXX  XXXX. So far, I have only used the account for deposits from my XXXX sales and withdrawals to my XXXX investment account. No other charges have been attempted on the account. No fraudulent attempts to access my account have been revealed and every transaction has been verified by me as valid. When contacting Citibank, they would not give me a way to remedy the situation but instead always claim they are elevating the case and it should be resolved in 24 hours. I was told that 8 days in a row by their support staff. This is a XXXX situation for my funds without remedy, and I have already suffered fees from rejected ACH and lost opportunity from purchasing inventory.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (WV)

I am a consumer who applied for a TJX rewards credit card, offered by Synchrony Bank. Synchrony bank received my application and denied granting me an extension of credit for family and household purposes. Synchrony Bank replies and says that their decision was based on a credit scoring system from the consumer reporting agencies which is a violation of discrimination and defamation under the Fair Credit Reporting Act, Equal Credit Opportunity Act, and the Consumer Credit Protection Act. Although Synchrony Bank may consider information obtained in my credit report to evaluate my creditworthiness, the information must not be used to discriminate against me, and the decision-making. Synchrony bank also failed to notify me with the name and address of the Federal Agency that administers compliance which is a violation.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2022-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

Unable to Get a copy of XXXXXXXX XXXX Note for XXXX spousal consolidation student loan currently being serviced by Navient : XXXX. I have tried to get a copy of my husband and mine 's Master Promissory Note ( MPN ) for our XXXX Joint Spousal Consolidation Student Loan from Navient for XXXX weeks now, since XX/XX/XXXX. I have called every week since- between XXXX pm as it is the only time I can - every time, after explaining that we need a copy of our XXXX mailed or email to us- it is always the same response : after a brief inquiry, I am placed on hold either to look into it further or to transfer me to someone that can help -It is old loan from XXXX and it seems none of them can find it and do not know what to do so I am placed on hold, a few times very long holds, over XXXX mins, only to be cut off or hung up on every time. This is beyond frustrating ; this document must be in their database, as without it- if it doesn't exist, then our loan is not valid and I highly doubt that is the case- I just need a copy sent to us..it seems like an easy request- it is the least thing they could do considering how we are unfairly trapped in this loan type as it is the only loan type that one can not reconsolidate. 

For Navient-I just want a copy of our Master Promissory Note Mailed to us- please help.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

We received an email on XX/XX/2020 from Bank of America that is a fund transfer notification through XXXX the amount of {$6900.00}. Since we never authorized the transfer, we called Bank of America XXXX in the morning ( we have call history ), and requested stop the transfer. The number we called is XXXX. The representative said that the transfer is on pending, so there is nothing that they can do, but said if it is fraud, then we will get total refund. So the representative reported that transfer is fraud on the day XX/XX/2020 with the claim number XXXX. After that day, the transfer was completed, and we're just waiting for the full refund for about 2 weeks. During the waiting, we checked the bank account again, and found one transfer attempt the amount of {$8600.00} which we never authorized was failed already. About 2 week later, however we did not get any refund, so we called Bank of America again many times. They kept saying the investigation would take about 45 days, and we will have total refund. After long waiting, on XX/XX/2020 we received a mail that said Bank of America will not give us any money back because the transaction was completed using a device that is consistent with previous valid account activity. Of course we called the bank again, they said if we need to open this case again, we have to prove that our computer was hacked. So, we looked up our computer log, and found something that looks like the computer hacked. We printed them all, and submitted to Bank of America email. Also, we went to a BOA branch, and handed some documents directly. Recently we called the bank again, however, they said they did not receive anything after they closed the case. We don't know what to do now. We spent a lot of time and energy to get the money back.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

I explained to Chime Immediately that I sent funds to wrong person., ( They had same first name ) I've never used this type of service, nor shown how to do so. I was in tears. They said they opened a fraud dispute. It was denied I wanted it reinvestigated. It denied again. In one night I sent out XXXX $ twice one to the right person, and 1 -XXXX $ to wrong person. It was an honest mistake, I notified them immediately, I have records, transaction history, and emails to these people, I can't get any supervisor are human to help me.. I ln sure I'm not only one in the world who has made a mistake due to me not knowing how to use this kind banking, nor was I ever shown, not even a video do they send me to assist. I'm below poverty level. I live on my Social Security benefits less than XXXX a month. I need ever cent I get and then some please help me find out where my money is and they give it back. I'm old. But I'm not stupid. They don't even answer my emails.they make me feel WORTHLESS.
Consumer complaint received 2022-06-20
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. (CA)

Equifax claims that they corrected and updated all the information regarding my XXXX XXXX account. They have listed date of last activity as being correctly reported alongside they verified account as being accurately reporting, I have attached their response to my complaint. an investigation result from equifax regarding this issue alongside a current copy of how my account is reporting on my file. 
Please have equifax the XXXX XXXX  .NO other credit bureaus are reporting this account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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