davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a business credit card and personal bank account with Bank of America. I have a family business that is in the U.S and  XXXX. The business card is in the name of XXXX XXXX and is called XXXX XXXX XXXX XXXX XXXX XXXX. I called Bank of America and explained that he business was having problems and that is why we were a few months behind on payments on the business credit card. I called on XX/XX/2019 and made the minimum payment of {$100.00} that was told to me to pay and Bank of America accepted it. I noticed today XX/XX/2019 that {$750.00} was taken from my personal checking account and transferred to make a payment to the Business Banking Credit Card. I called Bank of America, and they stated they have the right to collect a debt and can take from any other account that I have with Bank of America be it business or personal. I asked for the funds to be transferred back from the card to my checking account, given I did not receive a call or mail notification that this would happen and that I made a payment the prior month and it was accepted over the phone with an agent and the fact that this could happen was not brought to my attention. In doing this I am now facing a hardship as the amount taken was not expected. I asked if paying the minimum payment that was provided on the phone would be okay and that I can do it in XX/XX/XXXXand I was told this would be okay, and then Bank of America took out {$750.00}. I need these funds back in my checking account. I was not aware when I set this account up and it was not explained to me that a business account and business credit card could be tied to personal accounts, I was told they are separate and as you can not conduct business from your personal checking account, personal and business checking accounts and accounts in general are totally separate. If that is the case, why did Bank of America without my permission transfer funds from my personal checking account to pay current the business credit card? Bank of America was unwilling to work with me and I need help at this time.
Consumer complaint received 2019-04-17
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. (AL)

Ive been calling them and they would not help me at all I am a victim of a inquiry issue all of the inquiry on my credit report are not mines I dont apply for nothing.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : Bayview Loan Services, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX Bayview Loan Servicing filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX  Society of XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by Bayview LS. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX  is  under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4   servicers/owners. They are abusing me because I am a defenseless XXXX XXXX XXXX XXXX   that will turn XXXX next XXXX, and which health has XXXX with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I tried to contact XXXX by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. XXXX has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.
Consumer complaint received 2022-06-21
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)

Over the past year I have been sending letters and calling Equifax, XXXX, and XXXX about inaccurate information that is being reported in my credit file that is re-aging the account. I have asked them to send me their method of verification after sending me letters saying " verified as accurate '' all they do is send me the same paperwork over and over saying it was " verified as accurate ''. I called XXXX on XX/XX/XXXX the Rep said that the account has been removed. I called back on XX/XX/XXXX and spoke to XXXX to ask for proof of removal to be mailed to me and she stated that " the account is still in my credit file ''. She told me my only option was to call XXXX XXXX  every month and ask them to close the account. I explain to her that this account has been in charged-off since XXXX but the company keep reporting it as " open '' and " closed '' at least twice a month making the account appear new. I have sent in proof that the date of last delinquency was inaccurate across the credit bureaus how could they be verifying if they all have different information? On some months XXXX XXXX  reports that my payments are on time and some months they change it to report that I am 65 months past due and some months I am 40 days late. There is no way that these credit bureaus are verifying inaccuracies. This account is almost 8 years old but it is being allowed to be illegally re-aged because the credit bureaus are not doing what they're supposed to.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Saturday XX/XX/XXXX around XXXX I walked into the Bank of America Branch on XXXX XXXX XXXX XXXX XXXX XXXX NJ. 

I indicated to the teller that I wanted to take the remaining balance from the account ( around {$1200.00} at the time ) and take it as cash or transfer to my bank account at another bank. 

The teller first indicated that the card was " just a card and not an account '' and as such she pointed me to the ATM complete my transaction. Due to daily ATM transaction limits and uncertainty of the safety of carrying around a large amount of {$20.00} bills from the ATM, I said I wanted to complete the transaction in the Bank. The teller went on to say that she did not think such a large amount should be paid out to " someone who is not a customer '' even after I provided my State ID as proof of my identification and would not complete the transaction. She then said there was an issue with the network that would allow the transaction. I do not believe there was a network issue. I believe this teller was unwilling to complete my transaction. Further, I demanded to speak to a supervisor who turns out was even more uncaring and told me to go to the ATM if the teller told him to.
Consumer complaint received 2020-07-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-02
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my XXXX XXXX
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (IN)

I am trying to link my PNC account to XXXX to round up my transactions for investing. PNC will not allow this for some reason. I have no issues linking my XXXX account to XXXX, and I think PNC needs to approve this investment tool.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (DC)

Chime has rejected all of checks I've tried to deposit. XXXX stated it was because Chime " can not read how the checks were printed. '' I was told this will continue to happen. Why does Chime advertise free mobile check deposit after making you agree to direct deposit only to reject all my mobile deposits? How are you refusing checks that are issued a national bank like XXXX XXXX?
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (LA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX;XXXXXXXX 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;
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

According to an account stating that I currently have a balance from XXXX ( Telephone company ), and Wells Fargo in which it was reported to the credit bureaus ( XXXX, XXXX, and XXXX that I owe does not belong to me. I have enclosed proper proof that in fact that I am not responsible for the account. If you need any additional information, please feel free to contact me. XXXX XXXX XXXX XXXX : XXXX or via e-mail : XXXX. Thanks in advance. 

Best regards, XXXX XXXX
Consumer complaint received 2019-05-31
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. (NY)

I have an auto lease with XXXX XXXX XXXX and on XX/XX/2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MA)

I opened the new Citibank account on XXXX XXXX and deposited $ XXXX on XXXX XXXX. I confirmed with Citi customer service at-least twice that my account has met all eligibility requirements for {$500.00} bonus. See attached screenshot of my communication with CitiBank. Still even after passing the first 60 days and then 90 more days, I haven't received the {$500.00} bonus promised to me. In the last two weeks I called customer service twice and the agent  agreed that my account met all eligibility requirements i.e. the combined balance between my saving and checking is more than $ XXXX till date, and they will create a case for the back office to process this {$500.00} bonus. But within a few days after this discussion, I received the secure message that bonus can not be provided without explaining a specific reason. I am totally frustrated and feel like this is a scam by CitiBank. Everybody agrees on the phone that I should get a bonus but can not keep their promises. Citi customer service is worst, it takes first 40 minute to get to the agent and then they just transfer to others. Many times calls get disconnected in between and nobody calls back. With this kind of customer service, I am not sure how they should be allowed to run a financial institution. Please review this and help me in getting rightful, promised, {$500.00} bonus.
Consumer complaint received 2020-07-16
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: CITIBANK, N.A. (GA)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

From XXXX I was Amazon customer, I used the Amazon online to buy products, but in the end of XXXX, I closed the Amazon account without any outstanding dues. 

Later in XXXX and XXXX, I started receiving statement from Synchrony Bank/Amazon asking me to pay {$7.00} XXXX including fee, interest, card security fee ). I never asked for Synchrony Bank/Amazon Card/service, I never used this card to buy products nor I need this card, all of a sudden I started receiving statement from Synchrony Bank/Amazon, when I am not connected with them nor availed their service.

I contacted the Synchrony Bank/Amazon, they asked me to provide my Identity ( including my SSN ), but failed to provide me the reason for the statement as well as refused to cancel/terminate the card account, which I no longer require and zero down the outstanding amount which I do not owe.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Hello, I am contacting you regarding my Citibank checking account that was unfairly closed on XX/XX/XXXX.My account was positive with a balance of {$1000.00} that I have never received. I was told over the phone and a letter I received that they will issue an official check for that balance to the address on file. As of XX/XX/XXXX, I have never received any funds and I need that money to pay my rent and other bills. 

I have banking with Citibank the past 8 years. My account was always in good standing and I never have any issue with them or other financial institutions. 
They closed my account because I received 2 wire transfers from a friend on XX/XX/XXXX and XX/XX/XXXX for the amount of {$5000.00} each.They said my account will be temporary closed for investigation due to the reason I received 2 wires transfers. 
I can guarantee I am never involved in a fraud activity or money laundry and I have all the necessary documents to provide for justification.Citibank  never get back to me. Each time I reach out to them, they provide me a different answer.I can not access my account online and they don't give me an update after investigation. They just simply closed my account and didn't provide any check.I was back and forth with them for over a year now. 

Please investigate! I need Citibank to issue me a check for the balance of {$1000.00} that was in my account. 

I am looking forward hearing you. 

Best regards,
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I have an auto lease with Honda Financial Services and on XXXX of 2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.
Consumer complaint received 2020-05-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (TX)

My auto loan was with Westlake Financial Services and I refinanced with XXXX XXXX XXXX XXXX in XX/XX/XXXX. Westlake has been paid off by XXXX XXXX XXXX for the payoff amount they communicated to the new bank on XX/XX/XXXX. Westlake Financial released the vehicle title to the new bank since it was paid off. One month later, around mid XXXX - they started contacting me for additional payments. In addition - they fraudulently added late fees for months that payment was made on time. The months they added late payments that are untrue are for XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and in XXXX for XXXX, XXXX, XXXX. In addition they back dated to add fraudulent NSF fees when payments went through for XXXX, XXXX of XXXX and 3 additional NSF fees of {$25.00} each - so 5 NSF fees total of {$25.00}. This company calls me at least 10-15 times everyday all day long from various phone numbers that look like my family from XXXX and other businesses in order to collect a debt that is not valid since my refinanced loan is no with XXXX XXXX XXXX XXXX and theyve already paid Westlake Financial the amount in full as well as have the title for the vehicle that Westlake released to XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.