davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I reached out to Bank of America to report a XXXX scam that defrauded me of {$3500.00} and was looking for reimbursement of those funds. They denied my claim, and I elevated the situation within the company, and denied it again. What they sent me was a letter stating that I should contact the person who scammed me for my reimbursement. When asked how to avoid this scam since they spoofed Bank of America 's number and acted as an official from their institution, I was told to always " hang-up and call back. '' This would delay my response to my account being hacked by at least :45 minutes. 

Here is my story : What occurred to me on XX/XX/2022 was, as I later found out, a common scam which has been going on for quite some time. What is even worse is that after the scam, within the hour, I called the Bank of America ( BofA ) fraud department and they told me they knew exactly where my money went ( XXXX XXXX ) and that this happens frequently. 

Instead of calling XXXX XXXX, they submitted this claim and I had to wait until XX/XX/2022, to receive an automated letter denying my claim. I then elevated my complaint to their " Executive Escalation Team, '' only to be denied again. 

I know BofA has stock in XXXX. It is an application that I have only used once and am unfamiliar with the workings of it. It is automatically on the BofA app, which I assumed means it was protected from fraudulent activities. It seems it is not. 

The person who scammed me, spoofed BofA 's primary phone number, sent me a verification text using the exact same fraud alerts that are " official '' BofA wordings and were verbatim when they called me explaining that I was scammed... only to find out later they were scamming me. 

All logical signs indicated that the person on the line was a BofA employee and the steps I was taking were done under distress as the primary goal was to ensure that no more money was taken. 

When doing a quick search online I have found that BofA has refunded a lot of people their money back from this exact same scam. I saw a class action lawsuit was filed against BofA because of this scam and all persons scammed were refunded their money. 

This is an issue where I received no notifications from my institution about this type of scam which has been going on for quite some time. Also, since BofA refunded others for this same reason, this same amount, and this same scam, I would like to be treated the same and have my money refunded. 

After being a loyal customer for almost 20 years, I expected better treatment. As a XXXX XXXX XXXX XXXX XXXX XXXX, I thought my treatment would have been better as well.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

I word as a XXXX XXXX and worked most of my career in XXXX XXXX XXXX. I enrolled in the Public Service Forgiveness Program, a program offered through the Education Department to have my loans dismissed after working for a non profit community health center which required yearly verifications. I met the criteria and in XXXX  but do to the COVID pandemic the dismissal of my student loans was delayed. During COVID my loans were transferred to MOHELA. I received multiple emails and letters from MOHELA stating that my loans had been forgiven and that by the end of XXXX they ( MOHELA ) would be reporting to all three credit agencies that my loans were, " PAID IN FULL. '' I have been in the process of trying to buy a new home but was told due to the amount owed on my student loans that my loan amount to purchase would be lowered until it was reported that they were paid in full. I looked at all three credit bureaus, XXXX, XXXX, and XXXX on XX/XX/XXXX and saw that MOHELA did not notify them that the accounts were paid in full. We are looking at over {$250000.00}. I filed a dispute with all three agencies. On XX/XX/XXXX I woke up to multiple emails from credit card holders and from XXXX stating that MOHELA had reported that the loans were in default and that they were paid for less than owed and my credit score which I have worked a lifetime to build dropped from Exceptional to Needs Improvement. Which is not at all the truth.XXXX  had dropped my credit score a total of XXXX points from XXXX to XXXX, completely derailing my home buying ability and some of my credit card companies froze my credit use. I immediately called MOHELA and was informed that they had not given that information to XXXX and that my loans showed paid in full. I inquired as to why this wasn't reported, as stated, to the three credit bureaus and was told by the person I was talking to they would have to transfer me to a supervisor. I waited online for an hour and then was told I would be transferred only to be sent back to beginning of the que. I hung up and called XXXX and inquired as to how they reached this decision in two days based on my dispute. Again they falsely stated that MOHELA had provided the information to them. I informed them I had just spoken to MOHELA and asked if they had read the letters I provided to them with my dispute to which they said an investigation was ongoing into my dispute. I requested that given an investigation was in process to drop the language on my credit report and restore my credit score. I even informed them that I am a Veteran and was in the process of trying to buy a home and my lender XXXX had just frozen that process. They refused to restore my credit score and several of my credit cards were frozen as a result of their mishandling of my dispute. I'm asking that you investigate their practices involving my dispute and help me recover what has taken a lifetime to build which was my exceptional credit rating.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

I refinanced my loan just a few months ago. Refinance was to start in XXXX. I JUST received my bill with my payment information on XX/XX/XXXX ; the letter was dated XX/XX/XXXX. I am online only on bills, so there should have been no delay in receiving this explanation of my refinance. 

Last month, I attempted to pay my student loans, as I do every month. However, it had my balance as {$0.00} and nothing due ( refinance came through ). I didn't make a payment without knowing if my account information would change or what more information I needed. Then, I received a notice from the DOE that I missed a payment, which, of course, is inaccurate as far as I could tell. Now, the letter I just received today said my first payment under refinance was due XX/XX/XXXXXXXX The website still has my amount due as {$0.00} and my balance as {$0.00}. Additionally, there is still no reduction given to all XXXX XXXX students. That last, however, I am unsure if it is the problem of the service provider or the DOE. 

My service provider is EDFinancial. Not only are their communications late and inaccurate, but navigating their website to find even the most basic information is more than a pain.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2020, I mailed a letter requesting investigation for inaccurate accounts showing on my credit report. I never received a response and it's been six weeks.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second 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 TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Balance : {$480.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$11000.00}.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX, I received a promotional offer from Bank of America inviting me to apply for a specific credit card. The communication strongly suggested that I was prequalified for this card. Upon completing the application process, my request was unexpectedly denied. I contend that this outcome is inconsistent with the initial implications of the offer for two primary reasons. 

Firstly, the promotional material clearly indicated that I was prequalified for the credit card. Such language typically suggests a preliminary assessment of eligibility, leading potential applicants to believe that approval is highly likely, if not guaranteed, subject to formal application procedures. 

Secondly, upon responding to the promotional offer, I duly completed and submitted a credit application, a step which I believed to be a procedural formality given the implication of prequalification. Importantly, once signed, this application constitutes a valuable instrument. It's not merely a request for credit ; it also represents a securitized agreement, engaging my personal financial information and credit history. In light of this, and according to the terms outlined in Bank of America 's indentured trustee agreement, the submission and acceptance of this valuable, securitized application should have ostensibly resulted in the approval of the credit card. This expectation is based on the understanding that my application, once accepted, holds significant value and, as such, forms part of a reciprocal agreement wherein approval of the credit card is the expected outcome. 

The incongruity between the apparent assurance of prequalification and the subsequent denial of the application is, therefore, not only unexpected but seemingly at odds with the established practices and agreements of Bank of America. A re-evaluation of my application in this context, considering the value and implications of the signed credit application, would be both reasonable and in keeping with the expectations set forth by the indentured trustee agreement.
Consumer complaint received 2020-11-16
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MONEY SOURCE, INC., THE (WI)

The servicing of my mortgage was transferred from XXXX to The Money Source { TMS XXXX XXXX took the XXXX payment from my checking account. When the loan was transferred they did not forward the payment. From that time forward TMS has marked my credit as being 30 days late every month. I explained that the XXXX payment was made to XXXX and that I had made every payment on time. I sent copies of my bank statement from XXXX showing the payment was made. They would tell me they would fix it and they did not. I have called every month and spent hours on hold with no results. At this time my credit is ruined. They refuse to correct it. I am out of options. We cant afford an attorney.
Consumer complaint received 2020-11-15
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: EQUIFAX, INC. (AL)

Equifax is reporting an account that doesn't belong on my credit file and credit report. I have contacted Equifax by certified mail to have this account deleted immediately. They have not complied. They have violated several laws in Secton 609 ( a ) ( 1 ) ( A ) in the process. The account is listed below : Account Name - XXXX XXXX Account Number - XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (AL)

Reviewed most recent credit report and I noticed a charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681 ( e ) this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

I have recently pulled my credit report and noticed that there is a collection listing from your agency i have never been notified of this collection action or that i owed debt. This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is responsible to pay off this debt of remove this collection off of my credit report. If you fail to respond within 30 days you must delete. 

Please attach copied of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account to prove the amount you wish to collect it correct. 
Signature coming from the person who owe debt.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC (CA)

Unable to verify debt, communicate or contact. Running under multiple businesses ( DBA ) with multiple addresses, which causes fraudulent and malicious debt collection practices which do not allow proper communication and/or proper validation, strictly going straight to credit report ( XXXX  ) without moralistic/valuable practices. Mischievous.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: World Omni Financial Corp. (FL)

I hope this is not to complicated to understand. 
I received a loan check approval from XXXX XXXX XXXX XXXX to finance to buy out my lease car XXXX XXXX from Southeast Toyota finance. I paid them in full but they sent me the title wrong with another Lien holder name that I never did any deal with. 
The title Lien holder name should be XXXX XXXX XXXX XXXX as part of the loan agreement. This company add a wrong lien holder a person that we don't know, a person that didn't have us the loan money for me this is fraud. 
The title shows a name of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. 
We went to the XXXX XXXX where we live to add XXXX XXXX XXXX XXXX as the lien holder but they said we cant because the title has a name under another person. 
I email Southeast Toyota Finance and they haven't responded. I need this to be fix. I'm a XXXX. Year old man, XXXX patient and I have been with a lot of stress my XXXX XXXX went very low due to this issue XXXX XXXX is asking me for the correct title
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX an application was made with XXXX XXXX  ( GoodYear ) for a credit card. I tried using it, but the company refused to honor the discount offer with new credit card and would not give me a discount. We got no where with XXXX XXXX  and they decided to take out the work done and bring my car to the state I took it prior to charges and/or repairs. However, my credit file took a hit. 

I was checking my credit file and saw that GoodYear had decided to cancel the account for no reason. It was never in bad standing or anything and I was never notified of such cancellation. I called GoodYear credit and told them that they should also take the hit that my credit report took since it will stay for another year. If I wanted a GoodYear credit card, I would have to reapply and take a hit on my credit report. I was told by GoodYear credit that they will notify XXXX, but after I put a dispute the credit hit of XX/XX/XXXX has not been taken out as per the XXXX dispute letter of XX/XX/XXXX. 

If a company for no reason is going to cancel a credit card within a year, they should also take the credit hit that was put on my credit. That hit lasts XXXX years. If I had to reapply, I would have to take another credit hit and it would show on my credit report. I am asking them to have that credit hit XX/XX/XXXX beremoved from my credit report.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Am victim of the fraud/scam, It started as part time job options and as part of that inmobil media was contacted via whatsapp and provided the website address where i can do the tasks and after finishing the tasks i will be getting the commission for the money which deposited, and the money they requested in virtual curreny/crypto currency, as part of the transfer they suggested to use the CASH APP for transferring the crypto currency. the The cash app unable to stop the fraud/scam for almost 2 months, and ultimately i lost almost $ XXXX, It is not only money i have going through lot of mental trauma and and lot of debts, financially in a very bad situation. It was hard earned money. 
Tried reaching out to the cash app for dispute, but cash app did not help to co operate the investigation and straight away rejected the disputes. 
The details of the transactions and other details are clearly documented in the documents.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, XXXX AND EXPERIAN XXXX. XXXX / XXXX credit XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-15
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: CBC Companies, Inc. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report, underage with XXXX XXXX, XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017  Data Breach.