davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Basically I was renting a car from XXXX through XXXX I was done renting car and the lady at counter said there was two contracts on the car I rented at the same time she tried fixing mistake I paid my rental in full then a week later on the same day XXXX added the additional bill on car with out my written authorization I have been disputing these charges for over 8 months then they allowed XXXX to add a third charge I told them over and over I did not authorize these charges for over {$8000.00} XXXX and XXXX are not honest companies XXXX has double charged over thousands of customers and reported rental cars stolen I refuse to pay these charges that are not mine bank of America acts like they are affiliated with XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2023-07-15
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 (MI)

I will have money in account and some how my money will be gone and they charge me a overdraft fee which I explained to the customer service people I don't have a overdraft protection on my account so how is any payments going through if it's no money in account. They will process the payment take my money then try to reprocess the payment again which would put my account in overdraft.
Consumer complaint received 2023-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

During XXXX, NAVIENT endlessly phone not just me, but constantly harassed my employers, causing 2 to terminate me. 
During the great financial crisis, following a layoff in 2009, I had finally secured a role as a XXXX XXXX XXXX  with a startup in XXXX, Maryland. I was informed by my direct supervisor, also the owner, that NAVIENT would not stop calling him regarding my unpaid student loans. As a direct result, I was terminated from this position. 
I had to resort to selling automobiles, despite holding a degree in XXXX XXXX, but NAVIENT began incessantly calling a XXXX dealership I began working for in XXXX, Indiana. I was terminated from this awful job as a direct result of NAVIENT 's harassment. 
I already had complex XXXX XXXX XXXX XXXX  prior to this ordeal, so NAVIENT 's actions also hurt my mental health immensely. 
I have since become completely and XXXX XXXXXXXX by my complex XXXX, and NAVIENT ultimately charged off these unpaid private loans to which I refer. 
If NAVIENT ever wanted the remaining interest ( or even the principal ) repaid, its representative could have stopped harassing me and my employers. Instead, NAVIENT chose to violate laws regarding debt collection, CAUSING MY TERMINATION FROM AT LEAST 2 JOBS. In hindsight, I truly wonder how many other employers NAVIENT harassed who did not inform me... 
NAVIENT knows, considering their records would apparently indicate who they called regarding my private student loans. 
Now, I am fearful that if I attempt full-time employment again that NAVIENT will harass my next employer, too, which can not be allowed to happen!
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I became aware of the data breach at Equifax on XXXX XXXX, 2017. The data breach occurred between XX/XX/XXXX and XX/XX/XXXX, and they just released the info to the public. I have since put a 90 day fraud alert on my file and checked my credit report to make sure everything is the way it should be. Equifax allowing hackers to have access to my information ( along with the information of over 100 million others ) for months is incredibly irresponsible and reckless.
Consumer complaint received 2023-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Assistance Corporation of America ("NACA") (MO)

I purchased my home through NACA 's first time home buyers program and closed last year with XXXX XXXX XXXX. My home is in need of repairs which I was aware of at the time of purchased and added extra funds to my mortgage ( Escrow Hold Back XXXX repair loan ) to cover the home repairs. The contractor they provided and recommended was terminated due to poor communication, work and missing 2 deadlines. NACA 's HAND department only allows you to work with their vendors and currently there are only 2 contracted vendors to complete construction work in the XXXX XXXX area. I requested documents from my lender and was provided amended whited-out information which invalidated my case in court against the terminated contractor and is a violation of public policy. I have requested to have an meeting with the lender, myself and NACA 's HAND department but have only been told by NACA that it's their information and they don't have to share the lenders contact information or inform them of my requested meeting and I can write the lender but NACA 's HAND department will give them the letter. NACA 's HAND department and refusal to provide me the lender 's lenders contact information has caused delayed work on my home and finical hardship. Throughout my time working with NACA 's HAND department they have displayed poor communication, missed requested meetings, phone calls, unanswered questions regarding my home repair, and told that I am not being honest regarding my home repairs. I have tried to have my voice heard by those in leadership only to be sent an XXXX link with 2000 people discussing the NACA program and no one offering to help resolve the issues with the company, you aren't even allowed to file and complaint with the NACA program. When contacting XXXX XXXX  XXXX I've been directed to communicate with NACA regarding any issues but when speaking with NACA HAND department I am directed to talk to XXXX XXXX  XXXX regarding all issues. XXXX XXXX  XXXX stated that NACA would be able to setup and meeting between the lender and myself but I have yet to get an response back from NACA 's HAND department. Emails dating back to XXXX regarding complaints and requesting meetings.
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Total Auto Finance (VA)

Hello, I bought this car on XX/XX/XXXX not even a week after owning the vehicle it broke down and left me stranded in the middle of a XXXX XXXX highway. I called the bank and car lot explaining what happen and that the car come with warranty and it needed to be fixed. XXXX fuel injectors failed and started a huge gas leak that couldve killed me. The car lot and bank both refused to fix the car or take it back and return my money. Oh yea btw this bank XXXX total auto finance is not a real bank good luck with them ripping you off with money and never getting a response. A bank should not be able to text or call you XXXX hours a day 7 days a week. If they claim theyve offered to fix my car why had it been sitting for 6 months out of the 11 months ive had it? Why did I have to get a lawyer involved and sue for warrant in debt. If yall tried to fix it why did XXXX XXXX me to bring the car to yall? Why when I TOWED THE CAR TO YALL WHICH WAS XXXX and half hours away XXXX XXXX tell me where my car was going or who the mechanic was? Why did yall tell me drop the car and keys and leave immediately and then after I kept asking for my answers yall started to cuss me out and yell at me? I can upload the video because its recorded as well as XXXX witnesses who was standing with me and saw it. Do you wan na bring screenshots of where XXXX forged my name on a new contact with a higher amount and refused to give me a copy? If I signed a paper dont you think I would have a copy? XXXX you think I wouldve remembered the exact amount financed. Funny how youre hiding behind a screen telling lies but yet cant be served with paperwork because no one can find you. Karma is bad and its coming really soon and hard for yall. That car has gotten me hit 2 times and almost passed out behind the wheel because the fuel flames coming through the cars venting system. Lets not forget the car had a salvage title and in the state of Va IT IS ILLEGAL TO SELL A SALVAGE TITLE WITH A CAR without disclosing it or any known issues in the contract. How was my XXXX XXXX XXXX with XXXX miles listed as XXXX on the website and some how AFTER I bought the car it went up to XXXX? How come I never signed the contract that shows XXXX? Why did I never get a copy that says {$17000.00}? Why havent yall reported my payments Ive made since XXXX of XXXX? I can go on and submit a LOT MORE EVIDENCE against XXXX but XXXX let that lawyer handle that. Dont forget how yall HAD PLASTIC ZIP TIES holding car parts together on this car & how I had to spent almost XXXX dollars on a new motor for the car because XXXX refused to fix the issues wrong even though it was covered under warranty!
Consumer complaint received 2023-07-16
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: FIRST CREDIT FINANCE (CA)

My account is being reported as repossession for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have made payments every single month including the mentioned dates. There is also holes in their reporting. One month will show repossession, another month will show no information, and other months will show as paid. I have opened multiple disputes with XXXX and have contacted my Finance Company directly over the past 3 months and Im still having the same issues. I have been told multiple times that higher ups in the company will look into it, and when the dispute is updated the information still being reporting incorrectly.
Consumer complaint received 2017-09-08
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)

It is quite obvious what happened, as I am only 1 of 143 million Americans. Equifax, through seemingly gross incompetence, has allowed my credit and personal information, and millions others, to be breached and taken from their data records illegally. I assume this is n't the appropriate place to mention the over a month time period that elapsed before Equifax announced this breach to the public, only after their shares in the company were sold, so I wo n't.
Consumer complaint received 2023-07-16
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. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-16
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. (MN)

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX XXXX, account number # XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX. 


I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. TransUnion shows the date of last activity as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 

As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

I opened a savings account with citibank on XXXX XXXX and deposited a third party check from XXXX XXXX government for XXXX. On XXXX was sent email saying my account would be closed in 60 days.they told me my funds would be mailed to me then after the 60 days I was told I wouldn't be receiving any funds.i contacted comptroller of currency and filed complaint so on XXXX I was told I needed a notarized letter from payee that says they signed the check over to me and the amount of check and I did that.then they wanted i.d . from me and payee I sent them that then they asked for a copy of my electric bill so I sent that then they said I would have to get the bank that wrote the check to sign a hold harmless claim that was done and citibank honored it and then I get email saying my funds were sent to regions and I needed to get with them to get my funds... I sent email asking which regions it was sent to with no response.i went to regions and regions called citibank and citibank asked them to put me on phone they asked me for ref number I gave it to them and she said her hands were tied and all she could do was open a new claim she would not tell me who my money was sent to or why.so I have no way to get my funds and don't know that they were even sent to regions and this has been going on for a year
Consumer complaint received 2023-07-15
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-15
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

I attempted to open a Certificate of Deposit account online with Citibank XX/XX/XXXX in the amount of {$50000.00}. The funds were never taken from the originating account, a non-Citibank account. The account was closed and I was not able to access what transpired online as it was a closed account. I called Citibank in late XXXX of XXXX and was told the CD did not fund. I considered this the end of this transaction. 

In late XXXX of XXXX, I received an IRS form 1099-INT in the mail showing I had interest reported on this account for XXXX in the amount of {$26.00} to the IRS. I did not receive this interest. 

I called Citibank in early XXXX of XXXX and asked for the form 1099-INT to be reversed as the account was closed without funding and I did not receive this interest payment noted on the 1099-INT. I was told to write a letter requesting this and send to Citibank, which I did on XX/XX/XXXX and sent certified via United States Postal service, return receipt electronic. The USPS report as of XX/XX/XXXX states they were unable to locate any delivery information in their records for my item. 

No corrected 1099-INT form was received as of XX/XX/XXXX. I called Citibank and spoke to a supervisor named XXXX. He stated the CD was issued, the funding bank requested the funds back and the CD was closed on XX/XX/XXXX. He created a case number and requested a Transaction Activity report. He can not tell us how or who the interest was paid to that is the amount on the form 1099-INT and stated he would work with the back office to see if a check was issued and has cleared. He was to call me back on XX/XX/XXXX. I did not receive a callback. 
I received the Transaction Activity report noted above dated XX/XX/XXXX via email on XX/XX/XXXX and subsequently via the US Mail in early XXXX of XXXX. 
On XX/XX/XXXX, I called Citibank. I was not able to speak with XXXX but spoke to a representative named XXXX and left a message for XXXX to call me back. No callback was received. 
On XX/XX/XXXX, I called Citibank again, was given to a supervisor named XXXX. She stated she would be creating a new case number to have the 1099-INT reversed as she stated she can not see in their system that a check was ever issued for the interest in the amount of {$26.00}. She requested this be expedited and could give me no specific time frame. 
I waited until XX/XX/XXXX ( three months ) and no corrected 1099-INT form or a check for {$26.00} has been issued to me. I called Citibank and spoke to a supervisor named XXXX. I again explained the circumstances and gave the case # 's given to me previously. She stated she would send an email to the research team to expedite work on this case/s. She was to call me back on XX/XX/XXXX at XXXX XXXX Arizona time ( MST ). No callback was received and I am now filing this complaint against Citibank.