davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

This is my second complaint I received 1 call from the card XXXX XXXX 1 voicemail I called back immediately and have called countless times and countless voicemails to them guys name is XXXX I've sent numerous emails and now 3 days later still no return call or email they know what this is about I'm tired of typing it and explaining it to have nothing done they have lied and allowed my money to be stolen my money they were suppose to protect I was told I'd get a credit and haven't ibve set on hold with the go program people for almost 40 total hours if i dont get a call saying the money is on my card I will seek legal council and sue for the maximum a lawyer can get as far as attorney fees court cost lost time for me all I want is them to do what they are paid to do get my freaking money in my account and arrest whoever stole it.
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX {$620.00} / XX/XX/XXXX
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America ( BoA ) has restricted my ability to make deposits and charged excessive overdraft fees when my account balance became negative. 

My local branches ( I am restricted by not having a car ) have not had tellers and do not expect to have any until at least XXXX, so I have not been able to make deposits. Note I am not a debit card user, so I can not use the ATM. I have not been able to make deposits on the Mobile app because of an app update that was recently pushed that my older XXXX does not support. 

I got an email notification from BoA on the night of XX/XX/21 alerting me to the issue and deposited the funds mid-day on XX/XX/21 to rectify the issue. 

Overdraft details : # transactions : 4 Dates : All transactions on XX/XX/21 Fees : {$35.00} per transaction = {$140.00} Total debits : {$2500.00} Previous balance : {$2400.00} Brought me to a - {$250.00} balance ( Unfortunately the biggest charge hit first, resulting in 4 overdraft fees instead of only 1. Not sure how this is determined ) I have been understanding about BoA 's labor shortage and technical limitations in this difficult environment and expect that they would suspend their overdraft fees in light of the difficulty of making deposits through their branch and apps for customers with limited means of transportation and older app platforms. 

Thanks!
Consumer complaint received 2020-08-27
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. (NC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So there is no option for my complaint. So I just chose options to get here. The XXXX, CA branch is closed nearly every day of the month due to Covid supposedly. However, employees are still working and when it was actually opened one day the lady in line in front of me happened to know the teller and the teller said oh yeah we were closed for Covid again wink wink. This is unacceptable as so many people in our city frequent this bank and need transactions the atm doesnt offer. How can this be regulated so employees at this branch cant randomly decide they want to get paid for not working.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( XXXX XXXX and navy federal ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX XXXX and navy federal ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( XXXX XXXX and navy federal ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX XXXX and navy federal ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals?

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2022-04-27
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)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I've paid the balance with XXXX in the amount of {$550.00}, Bank of America in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX, XXXX and XXXX. However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of these accounts.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Around XX/XX/2021, I went into the XXXXXXXX XXXX XXXXXXXX, PA branch of citizens bank to close my checking account. The account had an overdraft line attached to it, which had already been fully paid off. I closed the account, and the teller gave me {$100.00} that was still in the account. I asked for some type of paperwork to show that the account had in fact been closed, but the branch staff said that they did not have anything they would give me, but I would get a letter from the bank verifying that the account was closed. to this date, I have received no such letter. On XX/XX/2021, I got an alert from my credit monitoring service that Citizens bank had reported me delinquent 30 days on the line of credit and that I was {$27.00} past due. This was 3 months after I closed the account. I called citizens bank 's 800 number and was routed to several people. The one who could help me assured me that that was an error, they would XXXX  out the amount they said we owed, and that they would correct the credit reporting and remove the 30 day late on our reports. I asked for something in writing to be sent to me, but was told nothing could be sent. To this date, there has been no correction of our credit reports. They did report that we owe nothing on the account, but have not removed the negative reporting. Unfortunately for us, all this happened while we were looking to buy a new house and has caused the mortgage rate to go up significantly, over a full percentage point.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (PA)

In XX/XX/XXXX, a credit card appeared on my credit report simply listed JPMCB Card. I reached out to the card company, asked it to be closed, and explained that any charges were fraudulent. From there, I was told to simply make a payment and they would take care of it. I noticed it not on my XXXX XXXX report anymore in XX/XX/XXXX, so I assumed all was well. I started receiving collection calls on this debt in XX/XX/XXXX, which was now almost {$6000.00}. It is currently on my XXXX report as being paid until XX/XX/XXXX, and then charged off in XX/XX/XXXX. I have asked several times for paper copies of the credit card agreement, the credit card statements and what account the payments were made from, but I have not been provided that information. Or maybe it has been sent to the address of the person who opened the card?! I don't know but this is not my debt.
Consumer complaint received 2020-08-27
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 (IL)

I wrote a letter to Bank of America dated on XX/XX/2019 and XXXX XXXX as a goodwill letter in reference to our mortgage account. We noticed in our credit report shows late/missing payments on the account. I sent a letter to Bank of America to let them know we have never been late on our mortgage payments. I asked them to correct the information on their end. However, I admitted on the letter that I will take responsibility for those so call late/missing payments-if they can remove it from the credit bureaus. Instead they wrote back indicating that their information is correct and to contact the credit bureaus to correct the issue. I feel this have been a mistake on their end and because of it we can not go forward in apply for a business loan due to Bank of America indicating we were late/missed payments.
Consumer complaint received 2022-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have disputed this XXXX  account accuracy many MANY times with both equifax, XXXX, and XXXX ( which handles their deliquent accounts ) and to no avail, have not had any success. Equifax CONTINUES to report XXXX XXXX XXXX as verified and correct when it is in fact incorrecct. I pulled my account today and now it reads as CHARGE OFF when it is PAID AND SETTLED. How can something be paid and settled but be a charge off at the same time? Furthermore, Equifax continues to commit fraud as they are not actually reaching out to confirm if the amounts, date of last payment, and status of the account is correct. How can they report something today but I spoke with XXXX  TODAY and have attached transcript of our conversation staying that Equifax 's reporting is inaccurate and that it doesn't match the data that they have. THIS HAS CAUSED SEVERE EMOTIONAL DISTRESS AS I AM A SINGLE MOM TRYING TO FIX HER CREDIT AND GET MY CREDIT REPORT ACCURATE! It is against the law for credit bureaus to report information they know that is inaccurate. I have provided several emails from XXXX, XXXX XXXX and they have not done anything to help. This needs to be fixed ASAP! I called XXXX today and had them send me confirmation showing my payment was paid on XX/XX/XXXX.
Consumer complaint received 2021-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

Chime bank I asked to put my account on hold on XX/XX/XXXX I had my tax return deposit I lost my card and it shows withdrawals atm my tax check was XXXX then I got my stimulus XXXX I didnt think any thing of it so I was post to get a new card and I didnt I cant even get into my account my phone number has been changed my password but I have called chime I have sent everything in that they asked me too its XXXX and still have not heard any thing so I called them back they are saying Im sending my documents to the wrong email I just want my money back and now I dont have aback account but I have every transaction that was made I have all the times someone has reset the password the phone number my number is ( XXXX ) XXXX I just really wish someone can please help me XXXX XXXX
Consumer complaint received 2021-08-07
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. (IL)

I received a promotional offer for XXXX bonus miles if I spent {$4000.00} in 3 months, I'm pretty sure it was a direct mailing but am not 100 % sure as it was a while ago. I signed up for the card in XX/XX/XXXX. I spent more than the {$4000.00} and waited several months before contacting them as I still had not received the bonus miles. The customer support person said I didn't qualify because I had a similar card in XX/XX/XXXX and therefore didn't meet the requirements for the bonus. So, one, why did I receive the offer. Two why did it allow me to sign up for the offer online if I didn't qualify. The card comes with an annual fee plus I would have signed up for a different offer and used my money elsewhere. The customer service person was completely understanding and said it's a common complaint. So they know it's an issue but do nothing about it because they get people to sign up for the annual fee and profit from it. This is yet another bank profiting from a broken system.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My credit card company, Capital One, has restricted my account because i do not own a US driver 's license. The only way they can verify my identity is if i provide them a US driver 's license. I have a US passport and an expired US driver 's license but they will not even accept a US passport as a form of identity. Because they do not have the capabilities to accept this, they are unable to take my payment using my debit card. They are continuing to charge my fees and interest because of this and they also will not even discuss my account with me. 

It is unacceptable that Capital One continues to charge me when they can not accept a customer 's US passport as a means of identity.
Consumer complaint received 2023-04-08
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. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CO)

It is my understanding that the Card Act requires that Discover process my payment the same day. This did not happen on several occasions leading to two additional {$20.00} charges to my account. Further more there was a {$10.00} fee/charge, by discover, that no one could explain or determine what it was but I was charged nonetheless. 

After about 30 days the debacle continued, once my {$550.00} payment was made, on my secured discover card, Discover canceled my account and told me I would not have access to my {$500.00} for upwards of 70+ days.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I DISPUTED CHARGES FROM XXXX. I do owe XXXX money but not the amount of money I being charged. Opened the claim XXXX XXXX. XX/XX/2021 XXXX XXXX Credit Card Company put the amount back on my card based on information they received from XXXX. Using that same information I again disputed the charge because I am being overcharged by XXXX. I was told the charge would go back into dispute. Today I received a letter dated XX/XX/2021 that the charges are back on my card card because I did not provide proof. I sent them all the proof they need and everything they asked for. They have the proof because they sent it to me. All they need to do is ADD the charges. The charges add up to {XXXX} plus {XXXX  tax for a total of {XXXX less a credit of {XXXX}, less a credit of {XXXX for a total owed {XXXX}. XXXX is charging me {XXXX. I keep asking the credit card company and XXXX where they are getting this amount and it simply can not be explained. I am willing to pay what I owe XXXX  but not for amounts that I do not know and can not be explained to me.
Consumer complaint received 2022-04-27
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. (PA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX/ {$6000.00} / XX/XX/2022
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (PA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX/ {$6000.00} / XX/XX/2022
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-08-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE
Consumer complaint received 2022-09-18
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)

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX Equifax XXXX XXXX - Delivered XX/XX/XXXX, XXXX XXXX  - XXXX - Delivered XX/XX/XXXX, XXXX