davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX To my elected official, I am a small business owner and I have been taken advantage of by Bank of America. I need your assistance in this matter. 

I opened up a business checking account with Bank of America on XX/XX/2022. I opened up the account online and I deposited {$100.00} into a business checking and {$100.00} in a business savings account. On XX/XX/XXXX I got an email from Bank of America saying that my accounts are approved and the email included the last 6 digits of my new account numbers. I opened up my online profile with the Bank of America app on XX/XX/XXXX. On XX/XX/XXXX I got an email from Bank of America saying that my business debit card will be sent to my business Address. On XX/XX/XXXX Bank of America closed my account and did not refund my money that I put into that account. I went into the branch and I opened up a new businesses checking account and I had to deposit some more funds into that company to fund my new account. I was told by the banker in the branch that they could not refund my money at the branch but I would be contacted by the Bank of America headquarters and will be issued a cashiers check within 7 business days for the money I deposited to open up the initial online accounts on XX/XX/XXXX. I waited XXXX weeks and I did not get the cashiers check from Bank of America. I was told by the headquarters that my cashiers check was mailed on XX/XX/XXXX to my address. It has been over 2 months I still do not have my money that was owed to me. I spoke to a Bank of America supervisor on XX/XX/XXXX and he told me to reach out to the bank that I used to fund the account on XX/XX/XXXX to file a claim. I filed a claim with that bank and was not given a credit. My bank said Bank of America never responded to its investigation and I can not get my money back. This is unacceptable. I need to be refunded my {$200.00} and compensated for my time and interest for this company holding my funds for over 60 days and not providing me with the service that I paid for. 

Thanks
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC (GA)

I wanted to express my poor customer service experience and concerns with my recent purchase of my XXXX XXXX from Carvana. 
This is my 2nd purchase from carvana and the first time the process was seamless and had no issues which brought me back to purchase again. 

However this experience has been far less than pleasant. Many issues have left me frustrated and spending my entire Saturday trying to resolve them. 

First I paid XXXX $ for delivery and due to unforeseen circumstances the delivery process was delayed by 2 days on Carvanas end. No apologies, return or partial return compensation of my delivery expense. 

Second- This past Saturday XX/XX/XXXX. The car was delivered and the car was not washed, had not been cleaned out on the inside. Dirt and dust was very visible inside the vehicle. I had to wipe the car clean inside before even driving it. 

Third- It was missing the roll up cargo cover. I immediately notified the advocate at delivery. He advised me Carvana would not provide although it was listed as a feature on the vehicle. 

Fourth- and most concerning. as soon as you drive the vehicle and press on the brakes the front end of the car shakes extremely hard. Which leads me to believe an inspection was NOT completed. Immediately contacted customer service who rerouted me to XXXX XXXX. Who rerouted back to Carvana because they did not have a contract. I spend 3 plus hours trying to get my issues resolved and still have not. 

I'vespent a significant amountof time contacting Carvana, speaking with different advocates receiving several conflicting information I love the car by all means but the customer service experience by far has left me disappointed and frustrated. This has tainted my excitement in even receiving/purchasing a new vehicle and I have all these unresolved issues. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I would not want any customer to have the same horrible customer service I've endured. 
I would like all of my concerns address and some assistance from someone without spending the entire day making calls to find a resolution
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastpoint Recovery Group, Inc (TX)

The company calls themselves East Point XXXX XXXX XXXX XXXX, looks like out of XXXX NY. 
Tried to portray themselves as attorneys, when pressed for bar numbers they tried to back pedal and said they are a collection agency that represents XXXX XXXX. 
The amount they claimed I owe was not correct and did not have all the proper information. They claimed they served me with papers, which I am a process server and I know the laws with that ... when I informed them of that they recanted and stated they did not believe they had the correct information and I never received the paperwork, uh duh! I was never served nor have received anything from them in writing. 
The people I spoke to there ( 1 female name XXXX and 1 male named XXXX ) threatened me with a judgement and " other things I do not want to deal with. '' They called a family member and claimed to be something else and she is filing a complaint against them as well for their lies and behavior towards her.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DISCOVER BANK (CA)

Debt collectors kept calling me and trying to force me to pay a the balance and disregarded my attempt to let them know that it was identity theft in the month of XXXX on the day XXXX, in addition calls under different names such as one being portfolio recov assoc And Portfolio with inaccurate amounts way over the fraudulent debt, in accurate and inconsistent information being submitted to the 3 bureaus and reported on my credit report with in accurate account numbers, account status and missing information and verification and are still visible on my application. I continued to dispute the account because it was an identity theft byproduct and instead the account was reinstalled causing further damage to my credit and profile impacting me mentally and financially and ruining my consumer image because of identity theft.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX, a crypto exchange platform. This is a link to her XXXX profile : https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I have reported to XXXX and fraud FTC website XXXX the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, JP Morgan Chase, via ACH and through intermediaries named XXXX XXXX and XXXX XXXX in the total amount of {$36000.00} USD. The platform is just like any other crypto exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred
Consumer complaint received 2023-01-09
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. (MO)

This is a follow up to my recent CFPB Complaint I submitted requesting that immediate removal of the fraudulent accounts and information being reported on my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and deletion of these suspicious accounts and information. I believe that the Credit Bureaus have not yet validated these items in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and FCRA section 605b. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items mnust be investigated thoroughly and removed from my Credit File : 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 XXXXXX/XX/XXXX. Kindly send me a copy of your analyses and investigation the moment you finish tour investigation. If you can not prove that the disputed items are indeed accurate and valid, immediately remove the disputed items off of my Credit File as soon as possible.
Consumer complaint received 2024-11-12
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. (AL)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following month XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-01-09
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. (LA)

I have reached out to these companies many times stating that I am a victim of identity theft and they keep ignoring my request to delete these unknown inaccurate accounts and addresses. They keep updated information on these closed collection and charged off accounts which is continuing to destroy my name and lively hood. These companies have not sent me anything in writing or contacted me in. I'm exsperiencing hardships financially and mental because these negative unknown inaccurate addresses and accounts.
Consumer complaint received 2022-04-29
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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. (NY)

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (TX)

I was approved for MySychrony Credit Card around XX/XX/XXXX/XX/XX/XXXXwith a credit limit of {$2500.00}. I used the card twice to make purchases and paid them off, but after making a 3rd purchase of {$1800.00}. The company approved my purchase but a couple of months later reduced my credit limit to {$1600.00}. Making my purchase be over my limit. 

I called to see why and have been told that the credit bureaus informed them that that was the highest amount that I could be approved for. 
I contacted the bureau was told that they did not inform them of this. 
I contacted MySynchrony again and they insist that this is what has happened. 

I am truly annoyed by this because of the impact on my credit report it shows that I went over my credit card limit and I did not. What can I do? 
Please assist me with this matter and I truly thank you in advance.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: I.C. System, Inc. (GA)

XXXX XXXX just put on my credit history that I own money to them. I was in a natural disaster at the time that I had them and couldn't paid for it due to the fact of the hurricane that hit our community. Now years later they have put me in collections, saying I haven't paid them. I talked to them when we had the the hurricane and they said I was food. This was when hurricane Matthew hit our community. I have tried to dispute it off my credit report and the company I.C. System ICN will not take it off my credit report. I need help.
Consumer complaint received 2023-01-09
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. (KY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I received your response Last XX/XX/2022 that you Close the COMPLAINT # that I sent on XX/XX/2022 to Investigate the Erroneous Accounts : XXXX XXXX XXXX that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, and yet the problem is still reported in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2019-10-07
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. (AL)

This is an attempt to correct my XXXX, XXXX, and Transunion credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2020-05-15
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. (PA)

While checking my credit report I noticed several accounts that don't belong to me. I contacted the police created an identity theft report then submitted the information to the credit bureaus. These fraudulent accounts have yet to be removed and blocked from my credit report. The referred accounts is XXXX XXXX XXXX XXXX Its 2 accounts fraudulently being reported on my file by this company. First account # XXXX {$10000.00} the Second account # XXXX {$710.00} Instead of removing these accounts from my report they changed the status to closed accounts. Another fraudulent account being reported is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX {$1100.00}.
Consumer complaint received 2022-07-17
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. (SC)

Ive spoken with the office to let them know, I was not aware of them not being in network with my insurance, I keep asking them to please verify before I'm seen and they keep telling me that everything is good with my insurance. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

This is a re-submitted Complaint CFPB Ref No : XXXX We received a letter from American Express, dated XX/XX/2019, ( AmEx Ref : XXXX ) that they could not respond to our complaint because they needed authorization from XXXX to provide information to respond to the complaint. Subsequently, we received an e-mail from the CFPB that the complaint was closed because American Express was not able to provide a response because we had not provided that authorization. That letter directed us to call XXXX, which we did today ( XX/XX/2019 at XXXX Central time ). Unfortunately, after speaking with 3 representatives ( XXXX, XXXX and XXXX ), American Express refused to allow us to provide that authorization. Instead, they directed us back to filing a complaint within American Express, which we had already done. 

For that reason, we are re-lodging our initial complaint for the reasons stated therein. And, we further allege that American Express ' practices in responding to CFPB complaints constitutes an additional violation of consumer financial protection laws in that those practices have the intended and actual effect of presenting consumers from successfully lodging complaints with the CFPB and other regulators.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Bank Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (FL)

I had a secured credit card with wells fargo that was closed by them. Being that it was a secured credit card, the debt was secured by funds I provided. Wells fargo satisfied the remaining balance by utilizing the funds held for security -- so the balance was paid off. Then they charged an exuberant amount of fees which created a large balance that they later sent into collections, and which has adversely affected my credit.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (AK)

Today ( XX/XX/2021 ) I received a debit card in the mail from MoneyLion, by XXXX. I did not request an account and now I'm scared I'm a victim of identity theft. I'm not really sure what I'm supposed to do if this is identify theft, but I read that filing a complaint with the CFPB may be a good place to start.