davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I received and automated phone call saying it was XXXX and someone was trying to purchase XXXX shoes on my account to call if it wasnt me. I called the lady transferred me to the fraud department it was a man from XXXX. He told me XXXX had been charged on my account but not to worry he was going to get my money back and put a big smile on my face. He had me open my online bank account and he told me to type in XXXX to credit my account. When I did it added a extra zero which he showed me I got a XXXX credit in my account. Started saying if he didnt get the money back he would be fired. At first I told him thats not my fault. He continued to call and text me begging me to please help him replace the money. He convinced me to go to XXXX and purchase four XXXX gift cards. I bought two with my debit card and then wrote a check for XXXX for two more gift cards. He told me scratch off the back and take pictures and text them to him. He kept calling me saying the cards werent going through and I need to go purchase four more cards. I refused then checked my bank account and they had cashed three XXXX gift cards out of my account and XXXX transfer to XXXX. I immediately went to XXXX to have them cancel the cards. They had already cashed them out. I called my bank to and put stop payment on the check which cost me XXXX. The check XXXX cleared the bank. Plus XXXX in XXXX cards withdrawn from my bank account and XXXX to XXXX which now I have been totally scammed out of XXXX. I called that man later that night and told him I knew what he did. Then I cried my self to sleep. I am on XXXX a fixed income he took all my money. I am so upset and have all the proof and voice mails and text message he sent me. He called me the next morning and told me he was sorry he was going to give my money back. Tried to get back in my back account. I kept hanging up on him but he wouldnt stop. Kept calling and texting until XXXX. The bank has canceled my debit card. This happened on XX/XX/2020. I called for a update tonight and XX/XX/2020. They said cant recover any of my money. I want this man caught and I want restitution because, I am broke and my spirit is broken. I pray that you can help me somehow. 
Thank you XXXX XXXX
Consumer complaint received 2022-10-05
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. (TX)

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018 up to current about this showing up. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. This needs to be removed immediately.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (LA)

I XXXX XXXX and my attorney requested the full results of the investigation into my disputes and I have been refused to receive the result of my disputes despite my many attempts to the credit bureau. This is my last attempt to get the full results of the investigation into the disputes I have placed well over 60 days by law. one company agreed, after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE THEM ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). Myself and my attorney is in the process of filing a federal lawsuit if we don't have the full disclosure of the investigation into my disputes. As stated above the credit bureau violate my rights and the FCRA, they have discredited me and my worthiness. This is my last attempt before a federal lawsuit is filed. This is also notice of my intent to file.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (LA)

On XX/XX/22 a deposit was sent over to what was thought to be a tattoo artistXXXX creating a fraudulent account on XXXX perpetuating a fraud. See attachments Services were never rendered. XXXX XXXX is refusing to file a flail to recoup the funds sent over to the would be scan artist. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. XXXX  and Equifax claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA provided a letter indicating that they have chosen to close my checking account in ( approximate timeline ) XX/XX/XXXX without providing a reason. Upon calling USAA to try and resolve the issue, four different representatives were not able to find a reason as to why USAA exercised its right to no longer do banking business with me ; or that they were not allowed to disclose the reason. I was a loyal customer of USAA for nearly 20 years of my military career and had to move my funds to another bank. There was no opportunity to resolve the issue ( i.e., was it that not enough funds were in the account, was a signature missing, was my address not updated? ). After getting married recently in XXXX, my spouse who is also XXXX XXXX military set up a joint USAA account for us. I received a letter on XXXX XX/XX/XXXX indicating that after careful evaluation, USAA is exercising its right to no longer do banking business with me, with an effective close date of one month from the date of the letter. After calling USAA again, the response from XXXX representatives ranged from : " If USAA decides not to be your friend, then there is nothing you can do '' to " we are not even told the reason so we are unable to tell you the reason. '' This really begs the question of whether USAA is using some black box algorithm to flag accounts and there is not a human in the loop to actually go in and make sure that what is being flagged makes sense. There should be a reason provided as to why accounts are being closed, and an opportunity to remedy. Also, after my spouse ( who has been with USAA for over 15 years ) indicated that if we are not able to have a joint account that we will no longer do business with USAA. XXXX representative said thank you, have a nice day and the other offered to help close the accounts.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DE)

The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( XXXX ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt, 15usc 1692 ( f ) unfair practices, 15usc 6801 the company violated my personal information. All of these violations negatively affected my consumer reports as well as my well being.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I have filed this complaint before but no response .I have been calling Bank Of amercia for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.BoA claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting Bank Of America for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called Bank of America and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on XXXX XXXX .I requested the report and in it Bank of America has put a remark that this account was charged off and due to fraudulent activity it was closed. Called Bank of America over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from Bank of America. The collections team says your balance is zero but the fraud team has to remove the report from XXXX XXXX. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid six digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from XXXX XXXX or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

There are several accounts on my consumer report in which are unfair and inequitable to me the consumer. I never gave Equifax my written consent to furnish any information on my consumer report on my behalf. The banking system is dependent upon my credit report being fair and accurate. These accounts are inaccurate, and unfair to me as the consumer. Please see the attached letter and report for the accounts.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX multiple fraudulent transactions using cashapp and my debit card from Bank of America was done on my checking account resulting in the amount of {$3400.00}. BOA has since denied my claim and locked my account. I have escalated this matter twice and resulted in a determination being done within XX/XX/XXXX minutes of the claim being updated. I tracked progress and requested multiple updates to which none where to avail. I was forced to take time out of my day from work to go to local branch/financial center just to call to get an update. Im now homeless and out of a job due to this matter. I will be seeking legal action against BOA in regards to lose wages, emotional distress and negligence.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (NV)

I was directed to the XXXX XXXX XXXX with XXXX XXXX to finance my dental work totaling approximately {$7000.00}. The dentist directed me to the on-line prequalification site to see if I would be approved without going through the formal process. The prequalification denied my credit so I tried to add my mom to the prequalification site as a co-signer. That prequal was denied also. Based on the wording on the website there were just a few questions and the inquiry would not impact my credit score. Within days XXXX XXXX sent the denied credit to the 3  credit agencies and my score dropped between 3-9 points. When I contacted XXXX XXXX they said nothing could be done. Their claim 'to get a decision in seconds with no impact to your bureau credit score ' was misleading. Neither me nor my mother accepted the offer, which according to the site may then impact the credit score.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NY)

i got phone from XXXX in XX/XX/XXXX, i lost that phone and then got a new one under my moms name. these people kept harassing me calling me and sending me mails to my home, it was under the name of another company and then they put that on my credit and my credit went down by a lot of point, i disputed this with XXXX and then took it out of my credit and it was no longer there, then on XX/XX/XXXX i see this again on my credit and my credit went down by 52 points!! this is unbelievable and its a bother company with a new name!! this was in XX/XX/XXXX and they keep harassing me!! im tired it took me a year to get my credit to XXXX points and these people keep playing with my credit. i spoke to XXXX and they said they dont know why these people keep doing this to me
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (TN)

I purchased a XXXX XXXX XXXX # XXXX on XX/XX/2022 I had an auto loan with XXXX, but refinanced it with XXXX XXXX XXXX XXXX. XXXX was paid off on XX/XX/2022 and they sent a lien release on the title. However, XXXX XXXX XXXX XXXX still can not place a lien on the title because the title is not clean. I reached out to XXXX XXXX XXXX 's XXXX in XXXX XXXX, TN to find out why there is no clean title. Per the XXXX XXXX XXXX, the current lienholder on the title is Carvana. I do not owe Carvana money on this car, nor have I ever. Carvana should not be the lienholder since financing was never done with them. I reached out to Carvana back in XXXX when XXXX told me that Carvana would never release the title to them. Carvana stated they didn't have it. No one has ever been able to obtain a title to this car. Today I found it it was because Carvana is in fact listed on that title as the lienholder. In essence, they are blocking the actual bank that is financing this car, XXXX XXXX XXXX XXXX, from placing their security XXXX on it, resulting in me having an unsecured loan. XXXX XXXX XXXX XXXX is telling me now that since I can not produce a clean title, my interest rate is going to go up, which will result in a payment increase of over $ XXXX. It is not fair that I have to pay an unsecured interest rate on a car that Carvana will not release the title to. They sold me the car, it should have a clean title. XXXX XXXX XXXX XXXX wants me to resolve the issue and get their title to them. I don't know how at this point. I need some help with this. I am just now finding out that Carvana is in fact the problem, as they made themselves the lienholder during titling and never released it. 

XXXX XXXX XXXX XXXX XXXX XXXX department located at XXXX keeps sending me letters stating I need to give them information so they can place the lien. I am unable to make that happen. Carvana is the only one who can because they are listed as lienholder. Now XXXX XXXX XXXX XXXX has sent me a letter referencing account # XXXX saying my APR is going up. I was told verbally on the phone 2 weeks ago that they have waited long enough and my rate is set to increase on the next billing cycle. I feel helpless because no one involved will help me. I can't afford to pay additional payment amounts because Carvana wants to tie my title up and won't make an effort to release it. 

XXXX XXXX XXXX XXXX will only communicate by snail mail, no email, so every time they have sent me a letter or form, the difference in postmark date VS receipt date is over 20 days. Time is of the essence with this and every time I think it is resolved, I get another letter from them that has been in USPS route for over 20 days from CA to TN. A phone call or email would be nice, but every single step is snail mail. This has had a great contribution to the time delays with this situation.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

I paid off discover bank as it went into collections status. I advised that I would pay the settled amount and provided the deletion letter as requested. I had advised XXXX with Discover that I fell behind due to my wife having XXXX XXXX. She was unable to work and I had to focus on household bills, medical bills, medication and treatments as well as our children. I provided my reasoning with the letter, XXXX spoke with a manager and they agreed to remove this as a derogatory from all 3 credit agencies. I've sent the request to XXXX, XXXX  and XXXX with no corrections being made. I've filed a complain with the XXXX and now the CFPB before taking legal action. This is hindering me from being able to move forward in my job and purchase a home. I need this deleted as stated it would be.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Alaska XXXX BOA Visa card false advertising. Prior to opening card, I wanted to use it ASAP I called Alaska XXXX on XX/XX/XXXX @ XXXX. They returned my call at XXXX stating to call Bank of America. No phone number provided. I reread their advertisement. I called my sister that had recently open a card and verified she received acct # valid thru date and Sec code and was able to use right away. She verified she received this information and used the card instantly. I applied and open card XX/XX/XXXX. I did a test purchase at XXXX for {$21.00}. It went thru. I then waiting in line to purchase ticket to an event. My turn came I provided the information to XXXXL for a purchase of {$1700.00}. My card was rejected. I purchased the tickets on another card with no problem. Later that day I receive a notice that my new card was rejected by XXXX as well. I reason I opened this card at this time was knowing I would be making a large purchase to qualify for the required {$2000.00} in purchases to earn XXXX bonus points toward a free ticket. I sent a complain to Alaska XXXX and spoke with them on XX/XX/XXXX, I was told to talk to BOA. On XX/XX/XXXX I called BOA and spoke to 4 people. I was told, maybe the charge was rejected due to the amount. I've had another BOA credit card since 2000. I have a high 700+credit score. I asked if they would do a credit card transfer of {$1700.00} to payoff card, I had to use due to their card rejection and show it as a purchase so I would qualify for the requirements purchase advertised. They said they would charge me a fee and it would not qualify for a purchase. I feel this is false advertising and I was penalized by their poor judgement and would not work with me to correct their error. Their advertising is false if you can not use the card as published. At this time I should qualify for the XXXX  bonus mileage points but I do not due to BOA errors and Alaska XXXX false advertising. I feel I am not the first person this has happened to.