davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I overpaid a bill in the amount of {$27000.00} associated with a balance transfer program at Bank of America. My account was charged the {$27000.00} BUT I NEVER RECEIVED THE FUNDS. 

I was told by four people at Bank of America, INCLUDING THE OFFICE OF THE CEO, that the funds were to be deposited into my checking account on Monday, XX/XX/XXXX ... the funds never arrived. This is despite struggling with the issue for 3 weeks. 

Phone calls at Bank of America went unreturned. To add insult to injury, I was harassed for payment and late fees on money I never received. 

This ordeal went on for over 3 weeks and it was escalated to the CEO 's office. Not even they would return my call ( s ) and was given endless excuses. 

This has been a lesson in consumer abuse in mistreatment. BAC has my fees and has dinged my account but the monies are not there. So desperate, I am reaching out to regulators
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I initially contacted Bank of America on XX/XX/XXXX to start a dispute regarding a charge of {$1500.00} for services that had been canceled on XX/XX/XXXX. The original charge from XXXX XXXX  XXXX was made on XX/XX/XXXX as a deposit for services that would be provided on XX/XX/XXXX. As a result of the pandemic, the services were thus canceled, by myself, and the merchant then promised to provide a refund. As time went on, there was never any refund issued and I have since tried several times to contact the merchant with no response. 
Upon Bank of America 's investigation into this claim they concluded on XX/XX/XXXX that I am unable to be reimbursed due to the following reason : " The disputed transactions indicated in your claim are for recurring charges that posted to your account before you canceled the service. As a result, we're unable to dispute these transactions. '' However, this is not a recurring charge at all, but rather a service that I paid for that was never provided. Furthermore, the merchant, XXXX XXXX  XXXX can not provide any proof showing that in fact services were provided.
Consumer complaint received 2020-07-02
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 am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have two Banks stealing {$700.00} from my prepaid account XXXX and XXXX XXXX, with zero accountability. 

I was just told by XXXX that they can not access my credit file all three major bureaus are reputedly in non-compliance status they will not correct the problem. I'm being unlawfully tonight credit and improperly treated as a banking customer every single company responsible for having consumer files of any Nature has slanderous data in their files under my name and they will not correct the matter. Has been asking for the past two years to correct the XXXX information and somebody's going to get their XXXX sued.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Dear Wells Fargo, My family and I have been loyal customers of Wells Fargo, Wachovia, XXXX  XXXX for 40 plus years. 

My account balance is more than {$25000.00}. 

I am unclear why I have received inferior service from the executive team and the portfolio team. The executive team ( XXXX ) ndicated I would be considered for the most competitive interest rate and she would contact Mr XXXX about this. However, when I spoke with Mr. XXXX on XXXX, there was no competitive rate offered whatsoever. He was out of the office on XX/XX/XXXX so I was not able to lock in a rate. 

I initially had an appointment with him on XX/XX/XXXX to discuss the interest rate. He did not contact me at the scheduled time. I tried to reach back out to him but no one with his team was able to or willing to connect me with him. This led me to contact the executive team. 

I do not understand why the bank is unable to provide me a competitive interest based on my loyalty and account balance. 

I do not feel valued as a customer. We live in a competitive market and your competitors are offering superior customer service and promotions/incentives to customers. 

The executive team has not been helpful or taken any ownership in the concerns raised. This has been time consuming and does not reflect well for Wells Fargo. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (MD)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Please refer to my previous letter for the information that needs to be re-investigated.

1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX   Account Number : XXXX Please remove it from my credit report.

2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2020 J.P.Morgan Chase closed my account. I found out on XXXX XXXX and called the number they gave me when I tried to log into my account that day. I called and was told that my account was closed and Chase would no longer be doing business with me. They would not tell me why. I was told that I would receive my balance in 7 to 10 business days. It is now 13 business days and I haven't been able to get through to a living person as of yet, Their hold time has been in excess of an hour and I have been disconnected 2 times. At present they have received two weeks of paychecks and my social security check as of the XXXX of XXXX XXXXbut I have no access to my money.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Shellpoint Servicing escrows for my insurance and property taxes. Shellpoint has been taking money to pay my property taxes, but has not done so. As a result, I received a Delinquent Tax Notice ( see attached ) from the city, which added on Interest owed as a result. I reached out to Shellpoint last week ; they said it would be addressed by the end of last week, however I just checked and the tax payment still remains outstanding.

Shellpoint has caused other problems with my other mortgages that they service in the past, including where they were escrowing for insurance and did not pay for my insurance, then sending threatening notices about not having insurance paid on my property ( when they themselves are escrowing for it! ) There seems to be systemic issues at Shellpoint around escrowing and making proper payments. They unapologetically act in a reckless manner.
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Predatory practices involving additional services such as unit owner insurance. They always sent a letter to advising that they will purchase a policy if I do not buy one. I am always forced to submit the information of a new policy even though my insurance company has the information of my mortgage holder and updates accordingly. Nationstar aka Mr. Copper is the worst. I never had this issue with the previous mortgage holder. They are the worst
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VT)

I was making a purchase using PayPal and the misleading process led me down a rabbit hole that ended up creating a credit card with PayPal SYNC/PPC. This was completely unintentional. The credit card was opened on XX/XX/XXXX. On the same day, before making any purchases on this credit card, I immediately cancelled it with a PayPal representative on the phone who told me that it wouldn't impact my credit score in any way. My score dropped 49 points on XX/XX/XXXX once the closed account posted on my credit report. I've tried to reach out to PayPal directly with no success.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX XXXX XXXX -- 30 DAY LATE FOR XX/XX/2018. THIS COMPANY FAILED TO VALIDATE THE DEBT. UNVERIFABLE ITEM.
Consumer complaint received 2020-06-06
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. (OH)

Trans Union has been a problem for awhile. They never have the correct information. They never update. Now when every other bureau have my score at a XXXX. These idiots lower it by 47 points to a XXXX. They are messing with peoples lives and they really don't care what they do. Something has to be done about them. They reported my score going from a XXXX to a XXXX which is not right. Someone needs to shut them down!
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 I requested to set up recurring payments on account ending XXXX. Bank of America cancelled my payments on all of the credit cards that I have with them because a {$2.00} payment that was refund on a different credit card. They have no right to cancel my automated payments and not sent a notification by mail that they were going to do that. Customer services never explained to me on any of my conversations with them on XX/XX/2020 and XX/XX/2020 that they have a policy that if you have a payment return on any credit card they would cancel your online payment accessibility on all of the bank America accounts which I find this arbitrary because they should not be mixing payments with the different credit cards. Each account should be handle separate. Today they said that since is not a bank error they would not refund the {$39.00} late fee charge on XX/XX/2020. Even though they cause the fee because they cancel my recurrent payment without notifying me. Please assist me with this matter. thank you
Consumer complaint received 2020-06-06
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. (GA)

It baffles me that I am repeatedly battling the same problems with the credit bureaus in regards to them reporting fraudulent information on my credit files ... .I have a fraud alert on my credit files for a reason!!

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

EQUIFAX : XXXX XXXX XXXX ACCT # XXXX, I HAVE NEVER LIVED IN XXXX, GEORGIA!! 

INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  : INQUIRIES ... ..XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-06-06
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. (CO)

Since XX/XX/2019 XXXX XXXX XXXX has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been a trusted member with capital one since XXXX. I have always made payments on time and most of the time I have paid in full. I requested an increase in XX/XX/XXXX and did not receive a response as to why my limit has not been increased. Upon submitting my request to increase I explained that I wound be making a major purchase in the future as well as using the card for travel. They have not provided me with a reason why via mail. The increase was never given and has not been reviewed. Today I am traveling and went to rent a vehicle and was turned down because my limit was not enough to be able to rent the vehicle. After being embarrassed I called to ask for a XXXXXXXX XXXX increase to cover the cost and was told there was nothing that could be done on their end. I have been with capital one as a customer since XXXX which is a considerable amount of time with on time payments and an XXXX score with very low debt to income I believe capital one is being bias towards me. I am submitting the complaint and would like an explanation from them regarding this unjust treatment.
Consumer complaint received 2021-12-30
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There is an account that appears on my credit that I believe is a result of identity theft because it is not mine. I have filed a police report and a report at Identitytheft.gov. Both have been sent to the credit bureau and they refuse to delete the information from my report. They have ignored my numerous letters and calls dating back to XX/XX/2019. I'm assuming maybe because they see that I'm a XXXX XXXX from my proof of identity documents that they feel they can just ignore me. I've gone through all the proper protocol and they continue to ignore me, which is resulting in me not being able to purchase another car for work.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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 2020-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I stopped using XXXX prepaid wireless service on the XX/XX/XXXX. On XXXX/XXXX/XXXX I contacted XXXX to reconcile my account because they had deducted money for the month of XXXX even though the service was discontinued. They reviewed the account and told me the account is reconciled and i don't owe them anything. I took some snap shot of the conversation i had with the representative by name XXXX. Then last week i saw my credit score dropped by more that 100 points so I requested my credit report only to find out XXXX has reported that i owe them {$130.00} and its in collection and showing as an adverse report on my credit.I contacted XXXX to fix the error and they requested the snap shop of the conversation which I did but nothing have been done since. I never defaulted on any payment with them and i would gladly pay if I owed any XXXX to them I asked the representative to check the record on XX/XX/XXXX and she told she cant. Why would a company like XXXX not have a record of customer discussion on file? is it so they they can prey on poor people like me with claim of no evidence of any communication? Please look into these because i believe probably there are several people who have suffered this plight. I live paycheck to paycheck but i have tried so hard to ensure my credit is good only for XXXX to just ruin everything because of their greed and lack of documentation. This is not right and i hope I can get answers from you. Thank you
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (CA)

This is shocking and distressing, my credit report has been accessed and improperly used as applications were done in my name and these companies pulled up my credit report without my consent nor authorization. I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.