davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Monday, XX/XX/2021, at about XXXX XXXX. I could not find a nearby branch that was open so I was forced to deposit through an ATM machine. Which I am extremely uncomfortable doing. 
( now I know why ) I went to the only branch in XXXX, NC. 
Address : XXXX XXXX XXXX, XXXX, NC XXXX. 
I inserted checks in groups of 10 as directed by the machine. on the 3rd round of depositing checks, the machine froze. It would not do anything. I could not get a receipt or my card back. I tried calling the number on the ATM machine but was put on hold for 30 minutes. I had to begin teaching so I was forced to hang up on the call. On Tuesday I call the XXXX branch in which we have done business for over thirty years and was told the deposit would probably deposit by XXXX that night but if not to come in and they would help me. ( No mention I would need an appointment to get help with over {$5000.00} of missing money ). On Wednesday, XX/XX/XXXX, ten days after making the deposit still no credit - so I went to the XXXX branch and was told they did not have time to help me! They were booked solid and I could leave the information concerning the missing deposit and they would get back to me the next day. ( why did they not book an appointment with me when they told me to. come into the branch? ) While in the branch, I left detail of every missing check and the amounts. The branch manager ( XXXX ) assured me she would resolve this issue. The next day she left me a message the next day to call her back, I have called her back every day for over two weeks but no one answers the phone. I have called XXXX XXXX direct line as well as the branch line NO ONE ever answers. 

With no help at the branch in which I have done business for over 30 years, I went online and made an appointment with the small business banker. We talked on Monday, XX/XX/2021, he assured me he would help me and would call me back on Monday. He did not call. I called him Tuesday, Wednesday, and Thursday leaving messages each time - no return phone call. I scheduled another appointment with the small business banking manager for Friday, XX/XX/2021 He didn't even bother to call! I called and left a message still no return call. 
I finally found another phone number to call and a lovely girl XXXX helped me file a claim - but it took more of my time. I had to tell her every check and every amount which was the information had had to go back and gather that I gave to the branch manager. This lost deposit has cost me over 10 hours in phone calls, emails, and going into the branch. 
It is XX/XX/2021, and I still do not have the money in my account. Twenty four days and the deposit is still lost!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-14
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. (MD)

I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report.

1. XXXX XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

I have exceptional payment history with Citibank I opened up a secured credit card and was told if I kept my balance is low and paid on time I could upgrade after 12 to 18 months. I always pay my balance off every month never missed a payment when it came time to give me my deposit back and upgraded me to an unsecured card I was told that they would not be graduating me but never given a reason why I did everything perfect with this card like they told me to do in order to graduate to another card I feel like they missed lead me. Also my last payment of {$190.00} my bank released and city is saying they did not receive it but it showing posted on citi Account. I paid my balance in full and they are not giving me any credit its staying XXXX. Please help me.
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three credit reporting bureaus have locked me out of my account. They are acting the bad practices by acting like theyre helping me login telling me that theyre going to send a email for me to click on the link and they never sent the email or they have me send all my information and my ID, a face recognization and say that I passed all the security questions and theyre going to send me a text link for me to click on and they lie, today I was on the phone with Trans Union and he walked me through this process and said I was logged into the account it says login, but it doesnt show me nothing on my credit report its all kinds of other stuff. Nothing about my credit report hindering me from logging in and acting like theyre helping me login and theyre not. Its all a scam.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Recently filed ftc complaint for scam XXXX see that for specific scam notes. Contacted chase per ftc recommendation, chase will not investigate this matter, furthermore gave incorrect information. I believe, to get me off the phone and prevent me from filing this complaint a week ago. On XX/XX/29 called to report the scam, eventually was told that they are investigating it and would reach out the the third party ( XXXX ) to try to recover funds from the account, but gave me no guarantee and indicated the investigation would only stay open 10 business days. A few days later I got a notice from chase bank stating that the investigation was closed because they found the charge to be authorized. I never once claimed the charge wasn't authorized and never asked nor was told the investigation was to contest the authorization of the charges. 
I called back on XXXX to learn that they refuse to investigate a scam and if authorized will do nothing. That the investigation request before was made to determine if the charged was authorized ( again, I never indicated it wasn't and was very clear it was ) and that is all they will do. That they can not do anything further and will not do anything further on the matter.
Consumer complaint received 2021-02-10
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. (IL)

This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its 10-year statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I have called XXXX XXXX student settlement XX/XX/XXXX about the settlement notice they had sent me in the mail about the XXXX XXXX XXXX fileing XXXX XXXX bankruptcy and they had to close the school on XX/XX/XXXX and they said i was supposed to get my refund back from XXXX i was a student there because they closed XXXX XXXX XXXX in XX/XX/XXXX and i did, t get my refund back like they said I the notice they sent me in the mail about that and most of they need to be investigated for telling me lies about getting my financial aid refund back for the the credits I have on file with the us state government and federal financial aid office as soon as possible or be held accountable for it in the highest court of the law.
Consumer complaint received 2022-07-14
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. (GA)

I did not consent to, nor benefit from, or authorize any of the following accounts : XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$3000.00}
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (AL)

Sent validation of debt letter by XXXX overnight in late XX/XX/XXXX, never received response within the legally required 30 day window by FDCRA. Validates account as valid with every dispute with evidence that they have violated the law. State account opened by them in XX/XX/XXXX but failed to ever contact me, didnt list on my credit until XX/XX/XXXX and update the balance every 7 days, re-aging the debt. This is a medical collection I have no knowledge or proof of and Alliance is reporting varying amounts/multiple accounts on my credit. Successfully disputed and got removed 3/4 of them on XXXX, 4/4 on XXXX and none of the 4 on XXXX. Demand this company delete from my credit file.
Consumer complaint received 2021-09-14
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: BARCLAYS BANK DELAWARE (LA)

I was the victim of a credit card scam XX/XX/2021, involving XXXX and Barclays. On XX/XX/XXXX, by registered mail, return receipt requested, I sent both companies the police report, screenshots of fraudulent computer interactions, and a narrative of my trauma, attached below. XXXX immediately removed the charges and cleared all debt, but Barclays continues to deny my claim. I had spoken with Barclays XX/XX/XXXX, XXXX ( XXXX ), XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX, XXXX ), XX/XX/XXXX ( XXXX ). I received inconsistent, unclear information during these calls, and other times was kept on hold for up to 75 minutes and never spoke to anyone. On XX/XX/XXXX I received a letter from Barclays, dated XX/XX/XXXX, which denied my petition for dismissal of {$5700.00} in fraudulent charges, and stated I owed the original amount plus interest and penalty fees. Friday, XX/XX/XXXX I finally reached XXXX, who scheduled a call back for me and at XXXX XXXX. I spoke with XXXX who said by mistake they had scanned my documents but never forwarded them to a supervisor for review, that my case had been closed and was unable to be re-opened, but that she would send my information to a supervisor. XX/XX/XXXX I received a letter denying my claim. XX/XX/XXXX I filed complaints with XXXX, XXXX, FBI, FTC, and XXXX. On XX/XX/XXXX I received a barely intelligible voice mail from a woman with " the executive office at Barclays '' who said she would call me back, but has never followed up with me. I filed a complaint with the Louisiana Attorney General on XX/XX/XXXX. Today I received a billing notification from Barclays that I owe {$5900.00} by XX/XX/XXXX.
Consumer complaint received 2021-02-10
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. (IL)

This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its XXXX statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 Bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2021-09-14
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. (UT)

XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX  services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX, I was approached by this person thru other intermediaries about capital funding for an Aviation Fuel Transactions under contract with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and a Tank Storage Provider named XXXX XXXX XXXX XXXX in XXXX. 

XXXX XXXX ( XXXX ) needed {$240000.00} to pay tank storage fees for these contracts for aviation fuel so he asked me to fund them ( {$240000.00} ) and in return he promised to pay back the capital plus a significant ROI totaling {>= $1,000,000} and he wrote 3 separate business checks to ensure payment to my corporation. 

I send 3 separate bank wires from my business account at XXXX XXXX   to XXXX XXXX XXXX XXXX - Bank of America business checking account and XXXX in turn wired from his business account at BOA to various international bank in XXXX and XXXX XXXX as instructed by XXXX XXXX XXXX XXXX. 

Here are the 3 wire receipts XXXX sent to international banks for fraudulent tank storage fees. 

{$87000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) in XXXX, XXXX {$74000.00} on XX/XX/XXXX Bank of America ( XXXX XXXX XXXX XXXX ) to XXXX XXXX  XXXX XXXX XXXX ( Polenectar ( XXXX ) Limited ) in XXXX XXXX   {$71000.00} on 01/23/2019 Bank of America ( XXXXXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  in XXXX Texas ( XXXX XXXX XXXX ). 
In the end, I found out the deal was a scam because the tank storage company was a fake and stole the money which I learned from an XXXX agent that tank spoofing scams are common in the industry. 

I have attempted to collect what is owed from XXXX and XXXX and Bank of America for several months to no avail and I need your departments help to make Bank of America ( FDIC Insured bank ) aware of their part in assisting XXXX in facilitating the fraud/scam by sending out bank wires to banks who conspired with the fraudsters and allow them to hold open & use bank accounts for their illegal scams. 

Banks need to be held accountable as well since they allow fraudulent activities thru business bank accounts open by their client/customers committing fraud and stealing money with the use of these accounts. 

XXXX XXXX XXXX - XXXX XXXX must force his bank BOA to reclaim the money and money he promised thru the 3 post dated checks that remain uncashed due to having insufficient funds.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX A. XXXX I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-06
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)

On XX/XX/2021 I sent a letter in regards to inaccurate and unknown things on my credit report. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.