davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/XXXX of 2022, I received a call from a Bank of America number calling me to tell me that my account had been hacked and I needed to transfer my money to a " safer '' account with Bank of America via XXXX. Though it sounded somewhat suspicious to me, I could see that this person was calling from bank of America. They already had all of my information, including my name, birthday, address, and how much I had in my account. They told me to transfer {$1700.00} to them so they could then " mail me a new debit card with all of my money on it. '' After I got off the phone I questioned the validity of the call, said I called the Bank of America customer service number on the back of my debit card to confirm all of this and was told it was a scam and to file a claim. I spoke with the fraud department and filed a claim : XXXX. I received a mailed letter from Bank of America dated XX/XX/2022, saying they had completed the review and were unable to approve the claim I then received another letter dated XX/XX/2022, suggesting that I contact the person I sent the funds to even though I had made it clear in my initial call to the fraud department that the call I had received to request me to transfer funds displayed as being from Bank of America. 

After speaking once again with Bank of America and XXXX, I was told that they were unable to reconsider this type of claim. I pointed out to them that scammers have been able to figure out how to use XXXX to defraud Bank of America customers, that this scam has been happening for years, and that the US Congress has done an investigation. I asked why Bank of America and XXXX have not done more to protect their customers from this scam that has affected thousands of customers and resulted millions of dollars of losses! I informed them that we would be reporting this to the CFPB. Thank you.
Consumer complaint received 2023-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

Naviet has a student loan of mine and it was not deferred like the rest of my student loans and I pay when I can. However, that is not the problem they have gone from just calling me on the phone to harassing anyone that has my last name. they are cold calling people that I havent spoken to in years that have my last name. They are also sending me the same bills but in fun colored envelope to ensure I open it, they even went as far as trying to send me a XXXX  card that actually just had the billing it. Its extremely disturbing the levels they are going to. It is very wrong.
Consumer complaint received 2023-01-20
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. (MA)

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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 2023-01-20
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)

I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at " XXXX XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. 

I received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. 

Later, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. 

I said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions.

After telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. I said that didn't make sense because I wasn't there and didn't know anything about it and eventually started crying ( I'm saving up for a house and it was a lot of money ). She got uncomfortable, then angry, and hung up. She did not show any empathy through any of this. 

After researching my options, I called USAA to start an appeal process to the decision ( on the same day ) and also looked into hiring a lawyer. I will wait for the appeal before hiring a lawyer since they're expensive and a pain -- I really just want the whole thing to go away which was supposed to be the point of " XXXX  fraud liability '' as the bank advertises on the card. I always use my credit card instead of my debit card in case something like this happens and am very disappointed that despite what I was told in school and by parents, this card seems to offer no protection from fraud. I am disappointed, sad, and angry. I feel deceived.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX  Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

A few years back I had an checking account with Wells Fargo bank XXXX XXXX 's Georgia. It was about every pay period for around XXXX that I had overdraft fees and wasn't swiping my card for anything the said I was. So I wound up with no money in my account when I would use my debit card it would decline so i would have to take time off of work to go to the bank every week. That was causing me to have lower and lower paycheck amount not to mention the funds the bank said I owed and did not owe them anything. So, I feel as though Wells Fargo owes me money. I'm having the same issue with the XXXX XXXX also.
Consumer complaint received 2020-03-19
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. (CA)

I found out that there is a XXXX XXXX account on my credit report in negative standing ; I found out about this account today XX/XX/20 when I got my credit ran to buy a new car. I did not qualify for the car loan due to this account that I never even opened. I did not allow anyone to open this or any other account in my name using my personal information and I have never opened any type of account with that company. I don't know much about this account but for now, I have done what I can in order to get this cleared up such as notifying the company reporting the account as well as filing a police report. I did not benefit anything from this account that was opened on my behalf nor did I ever contribute to any payments made towards it.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In the recession of XXXX and its subsequent fallout our property was targeted for foreclosure after Wells Fargo refused to help us avoid foreclosure. We never missed a payment and were told multiple times that there was nothing to be done to assist us in avoiding this disaster. We lost our home in XXXX of XXXX. We were offered XXXX consolation in resolving this problem of their inability to restructure our mortgage. I had multiple contacts with Wells Fargo which led to nothing. Please help us. We had been excellent customers. 

Thanks XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXX XXXX  Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1618s-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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I had multiple overdraft fees when I was a customer with wellsfargo. They were very bad at giving me refunds and it just caused me to get deeper and deeper in the hole. Im no longer a customer but would like to get my money back if possible. I banked with them from XXXX
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial (OR)

I believe that Circle Internet Financial is in violation of the Electronic Funds Transfer Act ( EFTA ). Circle Internet Financial is responsible for managing ACH withdrawals that I make from XXXX to my bank. I made ACH withdrawals prior to XXXX declaring bankruptcy that I was told I would receive in 3-5 days. I never received the funds. According to the EFTA, Circle is responsible for Error Due to Failure to Make Funds Available by Disclosed Date of AvailabilityExamples include, late or non-delivery of a remittance transfer. 

I am a customer of XXXX. I withdrew from my cash account balance via the XXXX app, via an ACH transaction of XXXX, to be sent to my bank account at XXXXXXXX XXXX following the XXXX  guidelines, instructions and terms of service on XXXX, XXXX, days prior to XXXX declaring bankruptcy on XX/XX/XXXX. 


At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. Per my account on both the XXXX website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via XXXX support directly that my ACHs ( multiple ) were being sent. I have yet to receive my funds. According to XXXX personnel, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. According to the XXXX app, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. Once again, I have yet to receive my funds. I have also not received any update from either of Circle or XXXX what happened to the ACHs and/or the status of my funds. 

Circle is responsible for managing the ACH process. At this point, almost 3 months later, the funds did not arrive at my bank. At my account at XXXX, before the website was taken down, the funds showed as no longer being in the account, as mentioned above. Further, XXXX has stated that once they reach " sending '' status, ACH withdrawals are no longer in their control.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

Since sunday XX/XX/2023 commenity bank has called me XXXX times. Both from a blocked phone number and their actual phone number. It is absurd. They have violated regulation F, if memory serves me correct and are going against FDCPA guidelines. I understand i owe and i do plan on paying. At the moment it is a difficult situation we are working on getting out of. The calls arent necessary and excessive AND abusive. I feel harassed by them.
Consumer complaint received 2023-01-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA (FL)

The last representative from MOHELA that I spoke with was on XX/XX/XXXX. She was very kind and informed me on the recorded call that the total debt I owe is {$4400.00}. However, on my credit reports, MOHELA states I owe {$9200.00}. I experienced this issue last year, XXXX, and the student loan servicer XXXX removed the debt because it was paid in full. Please see the attached receipts. To add, the Department of Education and XXXX also states this debt is paid in full with a XXXX balance. After the phone conversation today with the kind MOHELA representative, I believe this company has no idea how to approach this situation.
Consumer complaint received 2023-01-20
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXXXXXX XXXX and XXXX have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I let these agencies know about these errors beginning in XXXX of XXXX sent evidence police reports and they continue to report and supply the same information without consent.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

We had a mortgage with Wells Fargo back in XXXX, and the failed to work with us on a loan modification A complaint was filed back in XXXX. I notice that Wells Fargo has a settlement out there, but I was never contacted by them. I do believe I am part of the settlement.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and current Address I am on a fixed income and I have spent approx. $ 20.00+/- via mailing/certified letters, by the way of mailing my ssn + Light Bill to Equifax. The last certified mail was sent XXXX, to XXXX. XXXX XXXX USPS certified, all has a clear copy of both documents requested. Either someone is taking the two main documents out of the envelop while at the USPS site or someone is taking the 2 main documents out at the Equifax office. If I did not verify my identity and current address, why did Equifax send me a Credit file dated XXXX when I talked to an Equifax Rep dated XXXX and after that I passed 3 different phone verification for identification. I received an XX/XX/XXXX Credit File because I was on the phone with Equifax XXXX. Equifax did not have a problem with me when I did a fraud alert XXXX living at the old address or when I open up a credit card with XXXX/XXXX  on XXXX and paid the account off with a XXXX  B only because I got mad with XXXX. I was over charged. As of XXXX, the XXXX-XXXX/XXXX  account is currently " Lock. '' You have my permission to ask that question to the company.

Who is pulling the strings to hurt me? SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX Confirmation # XXXX 2. Credit File : XX/XX/XXXX Confirmation # XXXX 3. Credit File : XX/XX/XXXX Confirmation # XXXX 4. ssn document 5. Light Bill 6. Equifaxs letter dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX log XXXX Filename:XXXX XXXX Equifax
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp. (MI)

Received letter from XXXX XXXX XXXX representing Absolute Resolutions Investments LLC claiming I owe {$19000.00} to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from Absolution Resolutions on XXXX never received information on owing these funds.