davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the account holder of the Bank of America account XXXX since XXXX. The contractual terms of my account state that foreign wire transfers made in dollars are subject to a flat fee of {$45.00}. 

In XXXX, where I live and work, I have a multicurrency account with XXXX, which is able to handle multiple currencies including dollars and euros. 

Personally, I use both currencies in this account and I have never had any problems receiving wire transfers in either euros or dollars from other banks. 

Recently, I entered the XXXX  account details into my Bank of America online account so that I could transfer dollars from my Bank of America account to my XXXX account. 

Unfortunately, despite numerous attempts and countless calls to customer care, I am unable to make a dollar wire transfer. 

Your phone Customer Care service has not given me any reasonable explanations for the situation or provided me with any useful assistance whatsoever. 

The warning I get at every attempt state : we are unable to process your request. If your beneficiary is able to receive a different currency you may try with that currency. 

I have successfully made a test transfer of XXXXXXXX XXXX changing the currency through your service. 

It is evident, then, that there is nothing wrong with my transfer settings or account usage. 

Despite being able to transfer euros easily, I am not interested in transferring money in this currency due to the exorbitant currency conversion costs. 

As I have already mentioned, my contractual terms require a flat fee of {$45.00} for a transfer made in dollars. Therefore, I find it absurd that bank of america is not allowing me to use this online service and is forcing me to incur expensive currency exchange costs. 

In my opinion, this problem ( the causes of which are not even clear to customer care ) is due to the policy of bank of america, which may receive greater economic benefits from currency exchange services than from applying a flat fee for dollar transfers.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to dispute certain information in my file which I believe is possibly Identity theft.This account was opened fraudulently therefore I am a victim of identity theft. The accountwas opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, orservices as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-25
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. (TN)

I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX  Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 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 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2024-09-19
Product: Credit reporting 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. (MS)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-15
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXe, which falls under XXXX according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is provided false information about the interest rate, balance, and rewards. On XX/XX/XXXX, at XXXX, EST, I contacted the financial institution at the credit card toll free number listed on their site. That contact number was XXXX. I spoke to a XXXX female BoA credit card customer service rep named XXXX in Texas, after waiting a few minutes for the first available agent. All of the questions were extremely simple. I asked when my next rewards would post, requested my interest rate, and my current balance. XXXX fumbled around and after about 10 minutes, she was still unable to provide the details. Her resolution was for me to log on to the computer and to look for it myself. She advised me that my interest rate on my credit card was 0.00 % and that the promotional rate expires XX/XX/XXXX. She stated that the balance owed as of today is {$4200.00}. She said that my minimum payment is $ XXXX provided tons of false information, even after she was called out for all of her lies. She stated that she notated the system on her end that she was unable to assist. My balance is $ XXXX. I had a credit balance prior to that for over $ XXXX. I asked for her supervisor. She said that she was transferring me over right then to her supervisor named XXXX. But, she did not. I was placed on hold for several minutes and never transferred to that supervisor. The call with this rep lasted more than 30 minutes. I am supposed to have a 5.99 % promotional interest rate with BoA. I just looked at my statement, and I do not even see that promotional rate being applied. These types of issues have been nonstop with Bank of America. I just received a debt collection letter from them this month, stating that I owed them an additional mortgage payment, only for BoA to realize that this was inaccurate as well. After spending several hours on the phone with numerous incompetent reps in BoA 's mortgage customer service department, they finally sent a follow up letter stating that no payment was owed, after I insisted on having something in writing. This type of poor service has to stop. They are allowing these associates to work from home with little to no training. The customers are having to tolerate this poor service with inaccurate information along with long hold times.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I recently got a divorce, and was given the house. For the past month, I have submitted numerous request by phone, by email, and through Lakeview Loan Servicing 's contact page to get someone to contact me in regards to getting my loan modified. I've heard nothing. At this point, I am very frustrated. Per my divorce decree, I only have a certain amount of time to get this process started and we are getting close to not being able to do this. This is getting ridiculous. I just want fill out the paperwork to REMOVE my husband from the loan. What rights as a consumer, and loan borrower do I have? 

Loan # XXXX Lakeview Loan Servicing Co.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Due to Covid19, we were offered deferment options on our Bank of America Loan. We have since learned that BOA is not our lender, but our servicer. We have been repeatedly told that we would be offered options ( a program ) to repay the deferred amount. I have been talking with BOA since XXXX of 2020 and have spoken to BOA 9 times about the situation. We are now in a position to stop the deferments and start back with repaying our mortgage. We submitted the asked for paperwork and have since received a letter stating that if they do not offer us a payment option they can foreclose on our home. NEVER WAS THIS TOLD TO US AT ANYTIME DURING OUR NINE PHONE CONVERSATIONS. Now BOA is telling me that it is up to XXXX to decide whether to offer us an option or not. This is absolutely NOT ACCEPTABLE. We have done everything the servicer asked and I feel as if they are frauds and not helpful at all. This has been an absolute nightmare with theis servicer and I will NEVER use BOA for anything again. STAY AWAY FROM BOA.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Our business credit card was closed by Bank of America without notice and without a reason being given. Payments on the card were always made on time and we have solid financials. Several days later we received a letter stating that we didn't meet their " risk profile. '' We were later told by a CSR that it was because we didn't answer a " survey ''. We never received a " survey ''. Almost XXXX points were lost as a result. 

We have spent many hours on the phone with different people. We finally gave a telephone application to re-open it several weeks ago and were told the card would be issued in 7-10 days. That time passed long ago. We have tried several of their phone numbers and can not reach a person. We have held for as long as an hour with no one answering. This has become disruptive to our business operations, as we are a small business.
Consumer complaint received 2023-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (FL)

I recently did a balance transfer from a XXXX account to my Discover Card in XX/XX/2023. The Discover Card had no balance before the transfer but I previously had setup automatic payments to pay in full. At the time of transfer, I had not changed the automatice payment from full to minimum payments. As a result, the full amount was paid and my account was overdrawn. I called Discover who suggested I call XXXX to stop payment. We called and did stop payment. For the month of XXXX, I setup a automatic minimum payment going forward. I called Discover and confirmed that I had setup the account correctly. I also asked the representative if this payment would put the account status back in good order. They told me yes. A few weeks later I got an alert on my credit report of a delinquent account and my score was reduced by XXXX points. This took my credit from very good to poor. I called Discover and spoke with a XXXX specialist who was going to listen to the calls and get back with me in a few days. It's been about three weeks and I haven't gotten a call back. I've been calling every week and when I call they say someone will reach out to me. I'm XXXX XXXX XXXX and have never missed a payment in my life. I've been a long time custmer of Discover. I never got a phone call or mail from Discover telling me there were any issues with my account prior to their credit reporting. And when I called to inquire I was told everything was fine. I called again today and was told I needed to make an additional payment or my account would be flagged for being late 90 days. I've been calling for three weeks about this account and this is the first time anyone mentioned an additional payment. What is going on? I made the additional payment. And again I was told someone would be reaching out to me after they listened to the recording. I've been told this for over two weeks now. Meanwhile my credit is ruined and Discover won't address my issue.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$320.00} XXXX XXXX  XXXX XXXX XXXX  : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  : {$770.00} XXXX XXXX XXXX XXXXL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (HI)

American Express made an internal mistake on my statement after I made a justified fraud complaint. I wasted over 20 hours in chats and calls addressing the matter, have been experiencing obfuscation and retaliation despite their managers admitting a mistake that would be addressed. I have always been on an autopaymet for the entire card balance monthly. I have a statement that is unequivocally miscalculated from it's own itemization, which their managers have even harassed and insulted me over in prior attempts to resolve the issue.

I will no longer use this corrupt, incompetent and purposefully unhelpful service. I would like help resolving this issue with American Express so my credit score is not inappropriately harmed, I'm certain telling them I will not use their services in the future. 

They just eat up your time in trying to fix the problem. It's ridiculous harassment.
Consumer complaint received 2021-02-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX  data breach.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (GA)

Mailed Certified to XXXX/equifaxXXXX and I asked for a verify/and or validate this alleged debt owed to XXXX. XXXX also requested the contract and signature that I provided to XXXX. XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt This alleged debt is affecting my life and causing hardship, I am unable to move and on the verge of homelessness. 

Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2021-02-20
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. (PA)

XXXX XXXX XXXX I underwent several month of sickeness due to XXXX like symptoms. I also lost two members of my family and faced the transition of also having to abruptly move home from my university. According to Section 1637 ( b ) I should have received notice 21 days before due date of payment. I have never received any notification of payment. XXXX claims regardless of sickness they are not able to change this information on my report whether due to sickness, ailing health or not.