davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have an XXXX XXXX XXXX issued by Bank of America. It has a credit balance on it. I called today to have a check sent in the amount of the credit. The card ends in XXXX. I gave them my address for verification in full. I did not give them my birthdate but I did give them the CIC code. They were insisting that the code was on the back of the card and was XXXX digits. I said no it has always been XXXX digits for XXXX XXXX and is on the front of the card. They claimed that the number did not match. I was looking right at the card and read it twice. They refused to issue my check. The supervisor 's name was " XXXX ''. He refused to give me his last name. I asked the name of his company and he refused to give that to me. I asked what call center he was at and he said " Texas ''. I asked him the city and he refused to tell me. I asked if the call we being recorded and he said " yes '', " all calls are recorded. '' I told him he would be hearing from the Federal Government. I said, " I have given you my name. I have given you my address. I have given you the security code off of my card and the last numbers of the card. '' They wanted my birthday and the CIC number from my OTHER card. I said " no ''. 
I said I have given you my name, address, last digits of my card and the CI code and you will not tell me your last name nor your company, its address, or the city in Texas you operate from. '' He said " Yes, that 's correct. '' Please fine these people. If we need to talk on the phone, e mail me.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently conducted a thorough review of my credit report on XXXX by XXXX XXXX and discovered an erroneous piece of information on my TransUnion credit report. It is important to note that I have never been late on any loan payments, and I have successfully proven this to XXXX, resulting in the removal of a late payment from my record in XXXX. However, this same late payment from XXXX XXXX is still being reported as a delinquency on my TransUnion report. 

In an attempt to rectify this issue, I initially tried to dispute the error online but encountered a setback when I realized I had forgotten my password. Consequently, I proceeded to reset my password, and the TransUnion website assured me that I would receive an email containing a six-digit passcode. Despite my repeated attempts since XX/XX/XXXX, I have not received any communication from TransUnion regarding this matter. 

Frustrated by the lack of progress, I decided to reach out to TransUnion via XXXX on the same day. XXXX, a representative from TransUnion, promptly responded and informed me that my case had been reviewed. However, she explained that it required file maintenance, which would take approximately five business days to process. This conversation took place on XX/XX/XXXX. Disappointingly, upon checking my credit report today, I discovered that no updates had been made to rectify the issue. Furthermore, I noticed that TransUnion has listed multiple incorrect addresses, further complicating matters. 
My payment was due on XX/XX/XXXX and i made a payment on XX/XX/XXXX. There is no way i will be considered 30 days late. I have attached a document to prove that i made a payment on XX/XX/XXXX.
Consumer complaint received 2016-04-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Called Bank of America on XXXX XXXX to question a transaction previously reported as unauthorized. Stop payment was placed against merchant at conclusion of call. Several days after phone call, Bank of America deactivated my debit card and reset my debit card PIN. This was not discussed or planned based on the phone call on XXXX XXXX. Once I realized my debit card had been canceled, I contacted Bank of America by telephone. They apologized for the confusion and I requested rush shipping of the replacement card. The representative agreed and placed notes on the request to waive the rush replacement fee. As of the time of this filing, the replacement fee of XXXX USD was charged to my account and calling in this morning of XXXX XXXX resulted in the representative being unwilling to review the notes and waive the fee. He obviously was n't comprehending what I was telling him.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately.

Your agency is in violation!

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 2015-08-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2014, I received a loan modification offer from Bank of America while in litigation working with a law firm to help facilitate the process. After making several trial payments, I received a permanent loan modification offer in XXXX of 2014 which was nothing like the modification offer/details provided in XXXX. The offer in XXXX is severely damaging and provides absolutely no relief or comfort to save my home. Furthermore, it keeps me extremely buried upside down to the point it feels like a cruel joke. They did a total breach of contract. The changes below highlight the significant changes : SETTLEMENT OFFER XXXX 2014Loan Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for XXXX years. 
Amortization term XXXX. 
Principal balance {$390000.00}. 
Principal forbearance {$160000.00}. 
Principal forgiveness of {$270000.00}. 

SETTLEMENT OFFER XXXX XXXX Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for 3 years. 
Amortization term XXXX. 
Principal balance {$830000.00}. 
Principal forbearance {$230000.00}. 
Principal forgiveness of {$0.00}. 
Balloon Payment : $ XXXX have complained to my attorney 's office, but they were only confused as well and not sure what or why XXXX did something like this. I even received permanent loan mod docs for signature late from my old attorney and they just wanted me to sign without questioning the complete change in loan modification terms. I reluctantly did as my counsel scared me into thinking if I did n't, I would lose my home. I dismissed my case and my attorney in order to represent myself as I began to feel like the attorney 's office did n't really care anymore since I paid them in full.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.
Consumer complaint received 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I took out student loans in 2006 to cover the cost of my attending XXXX college. I needed the loans because XXXX college reused to refund my tuition for a semester that after I had already left the college. I have been paying on my loans for years and the balance has only gone up. During that time I have gotten married and had XXXX children so my financial situation has changed significantly. 

I am currently in good standing with my lender but had to put my loans in forbearance sue to being laid off ( see attached ). While in forbearance I applied for extended my request was denied ( see attached ) on every single XXXX of my loans saying that my maximum terms were already met. Literally they are saying that there is no other option to pay my loan other than to pay them an unaffordable payment or go into default. 

I took these loans out before the financial crisis and they were paid to an institution that ultimately kept money from then XXXX XXXX for a semester that I did n't attend. These loans are following the same unsustainable path of the mortgage crisis and to make it worse the loans are not secured by any type of physical asset. 

Every month I am forced to chose between providing a decent life for my family and making payment to a student loan company that I simply can not afford. I have stayed current on my loans for years, and find it unacceptable that a company with such a horrible reputation be able to do this to my family and myself. 

I want Navient to work out a payment that I can afford even if I have to pay more in terest over the long term I must protect my family today. 

SincerelyXXXX XXXX
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VA)

On XXXX XXXX my ex girlfriend sister XXXX XXXX took the authorized users credit card that was in my my wallet. She went and made a purchase at XXXX for {$1300.00} and then went to XXXX XXXX XXXX and made a purchase of {$250.00} dollars. I called Citi financial and they credited the chareges. On XXXX XXXX XXXX XXXX called Citi and said the charges are vaild. I dont know how she or even XXXX should have been able to access the account as neither had the new credit card number and I placed a new password on the account. I called Citi and explained the situation. The investigator said she would talk to her manager. She did call me back and left a message saying they were n't going to do anything, When I called back the reps I spoke to refused to transfer me to the investigation department. The reps also refused to tell me how someone could access my account without the password. When I added the password Citi assured me no one could access my account or make changes without that password. Citi refused to allow me to hear the calls of the XXXX or Sister saying these charges are valid I have an email from the authorized user telling me that she did not give permission to her sister to use the credit card. The email also states that she is sorry her sister did this. I also have text messages from the authorized user saying the same thing. I have also filed a police report. I gave Citi all of this info and they still refused to handle these charges that were unauthorized as fraud. Citi even told me they couldnt confirm who it was who called in and said those charges were valid. That is why I asked to hear the call and they have refused. Citi put these charges back on my account and has refused to investigate further. I now have {$1500.00} in charges placed back on my account that are fraud and unauthorized by me and the XXXX. Citi has failed to protect my account and follow the card agreement by releasing info to third party and making changes on my account by a third party. THey also violated the user agreement by not handling these XXXX charges totaling {$1500.00} as fraud.
Consumer complaint received 2022-09-18
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: CAINE & WEINER COMPANY, INC. (NY)

in accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (ID)

I have paid this account in full, the credit bureau states this is not " sufficient information ''? 
I am in active XXXX XXXX bankruptcy, I can not correspond with the creditor, I'm not sure what to get or what to do to get this to reflect PIF on my XXXX credit bureau ( or completely removed? ). I have a receipt showing this has been paid, I can provide it if needed. 
XXXX referred me to CFPB to assist. Help!
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (OH)

In XXXX of XXXX  binance.us contacted me about a chargeback from my bank I was not aware the my bank had done this. They asked why I reported the charge as fraudulent which I didnt. My bank said the transfer was suspicious because my bank account had previously been compromised. I settled the funds with binance.us my account had no negative balance I believe when they closed it I had XXXX XXXX dollars in my account. Im not a rich person by any means I was investing money worked hard for so my kids can have money for there education in the future. They eventually said they closed my account because i violated terms of use. Ok closing my account is one thing but not giving me my remaining funds In my account is stealing from me. They Said to contact local law enforcement to receive the money I did that an the police had no clue as to how they could help me. I continue trying to get my money all they say is contact law enforcement. Meanwhile the price of XXXX has gone up a lot in the year an my money should probably be doubled if Im not getting the money from XXXX  then they certainly are this whole thing seems illegal on there part they close my account keep money hostage while they take in the money meanwhile Im struggling right now an can really use that money.
Consumer complaint received 2024-09-04
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. (SC)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of XXXXXXXX XXXX XXXX under 22 U.S.C. {$7100.00} ( XXXX ) or XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt XXXX.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (VA)

while maintaining my XXXX XXXX account I have been charged multiple times for fees regarding OOPS for my checking account. When I made purchases with my account showing enough money to cover the transaction, the XXXX XXXX still charged me overdraft fees if the account had a negative balance once the purchase posted to the account, sometimes days later. Also, XXXX XXXX systems showed the money as immediately available to spend when I had used my cash app However, the XXXX XXXX failed to disclose that payments received after XXXX am Eastern ( and later, after XXXX pm XXXX ) wouldn't actually post until the next business day. 

XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX continuous dates leading to XXXX
Consumer complaint received 2020-11-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXXith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (MA)

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : FHA Mortgage Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.