davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

This bank has continued to have horrible customer service through the phone as well as in the branch. Going into the location in XXXX  on XXXX XXXX XXXX was horrific. I came into the bank after speaking to c.s. about applying for a credit loan and opening a savings account when i got to the bank the banker was very nasty and yelled at me for listening to the lady on the phone because she didn't know what she was talking about. Furthermore going into the bank the teller told me the cash advance machine was down and the banker and teller both bombarded me saying i should have called the bank before i showed up and thats the problem with people who jist come to the bank and dont call first and call the XXXX  number. Further Customer service issues have occurred due to poor communication skills and bad information given. Lately its juat got to the point its a yelling match and often im just cursing and ready to close my account. I am so tired of being told one thing on the phone then something else in branch.
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-07
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. (IA)

In accordance with the Fair Credit Reporting act, the following list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 and have also reported late payments, which is also a violation. 
15 USC 1681 Section 602 A States that I have a right to privacy 15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions Accounts : XXXX XXXX Accnt : XXXX XXXX Late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : 7 late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX 8 late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 5 late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX 9 late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Preferred lease 5 late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I learned that a family member was inappropriately accessing my checking and savings accounts. 

On XX/XX/2023, I went to the local Citizens Bank branch to close my accounts, and learned that the family member had opened multiple accounts using my identity ( total of 5 accounts ), and for various accounts had changed the mailing address, online banking contact information, and account titling to hide their behavior. 

At that time I reported possible fraud to the branch, requested closing all of my accounts, and correction of my home mailing address. 
I also requested a full history of transactions, including cancelled check images, since the account inception dates ( roughly 2.5 years for all cases ). 

The bank closed my accounts with the exception of a credit account with a remaining balance. I was told the transaction history would be sent to my home address. 

After a month had passed, I returned to the branch and was told that all access to the five accounts in question had been restricted, and was given the name of an individual who was handling the situation ( XXXX XXXX XXXX ). I contacted XXXX XXXX, and was told that the information would be forthcoming. 

The branch contacted me a week later and requested a {$480.00} research fee. I returned the the branch and paid the fee. 

Two weeks later, I contacted XXXX XXXX again, who assured me the information was coming. She was unable to tell me the results of the bank 's fraud investigation. 

On XX/XX/XXXX ( 2 month after the original request ), I learned that the bank had sent information to the incorrect address ( to the address of person I believe defrauded me ). The information that was provided included only 3 of the 5 accounts, and did not include any cancelled checks. 

I reached out to XXXX XXXX again via telephone and email to demand the bank provide the full information for which we had been charged. I have not received any response to date, and no one else at Citizens Bank will discuss the situation with me.
Consumer complaint received 2018-07-30
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 (VA)

I have made a claim regarding a disputed transaction. 

The entire process so far has been mired with ADA ( Americans with Disability Act ) discrimination and discrimination based on religion & national origin. 

This is how Bank of America is choosing to drive away a " Platinum Tier '' customer over a {$45.00} credit card dispute. 

This is how the ordeal started.. 
On XX/XX/19 I attempted to buy an online membership for the AAC. The website form crashed as a pressed " Submit ''. The AAC has no record of the transaction but my card was still billed. This is why the Fair Credit Billing Act ( FCBA ) exists. 

After filing an online dispute, I revived a letter that has the wrong account number - I do not have an account with that number and worse of all it has a name that i worked with bank of america multiple times to change. 
I had previously submitted a CFPB complaint and worked with the bank to change my name as they " refused '' to use, y XXXX/XXXX   name, only after complaining to the CFPB for discrimination based on religion/national origin did Bank of America was willing to change it. 
And guess what? for some reason the correspondence that carried the account number I don't have used the number that took multiple attempts to change. Is Bank of America antisemitic? 

When I complained about how this process is being handled, the person that was assigned to this case had an unclear accent and I could barely communicated with her. Due to hearing loss ( military service related - long term exposure to explosions and gunfire ) I asked that this case would be moved or escalated to somebody else and was refused - in clear violation of the ADA. Despite multiple requests, that case has not moved to a different agent. 
That rude, person at BofA was " XXXX '' at XXXXXXXX   Extension XXXX. 

How bad can a bank treat a customer?
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has not provided requested information including their PHYSICAL mailing address for filing a notice of small claim, this was requested in prior complaints, a XXXX XXXX replies with a website address. Capital One placed a stop payment on a close out check in error, reissued it, intercepted by a third party. The funds were not received by myself and I believe Capital One is aware of this, refuses to do anything further. A small claim needs to be filed for missing funds, a total of XXXX. Messages have been left, seven in total, for XXXX XXXX and not one returned.
Consumer complaint received 2018-07-30
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I opened a dispute with Case over XXXX in charges by XXXX. My case was opened on XX/XX/XXXX and I submitted all required supporting information on XX/XX/2018 via secure message on the chase website. I received confirmation via secure message on XX/XX/XXXX that the information was received ( all attached ). I received a letter on XX/XX/XXXX stating that my case was closed as no information has receive from me. I immediately called and opened a new case, that Chase now calls a re-dispute. I was told it would take 30 days to resolve. I received a letter on XX/XX/XXXX that my information ( original sent on XX/XX/XXXX ) was received. When calling today, XX/XX/XXXX, I was told that all case information was not received until XX/XX/XXXX and that I would need to wait at least another month for resolution. I was never give a credit for the amount in dispute and I have been working with Chase for over two months to get this resolved. Today I spoke with an account supervisor named XXXX and a dispute supervisor named XXXX.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Recovery Services, Inc. (MO)

This account shows as a derogatory mark on my credit report which I was unaware of this account. I have not received any letters or phone calls related to this. It was closed an sold to collection agency who neither tried contacting me before putting on my credit report
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX **Employment information : ( XXXX XXXX report ) _XXXX XXXX XXXX Hard inquiries : _XXXX XXXX XXXX XXXX  I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I paid for a rental application via XXXX to provide a potential landlord with my credit score, credit report, background check, and eviction check. I believe the inaccurate information provided by TransUnion on the credit report and score was reckless and discriminatory that negatively impacted my ability to rent within a desired area. 

Here 's a list of the inaccurate information stated my XXXX report : Under " Personal Info '' : 1. " Recency of a balance overlimit on a bankcard account '' - This is false. My bank card ( debit card ) is no where listed on the report. 

2. " Insufficient payment activity over the last year '' - This is false. I have paid on-time over the last year.

3. " Inquiries impacted the credit score '' - This is false. I shopped around for a mortgage loan during 30-day periods or had my credit pulled by the same mortgage company to renew a pre-approval, but this information was used against me. 

4. Credit Score listed as " XXXX '' - This is false. According to a recent credit disclosure letter from a potential mortgage lender, my Fair Isaac Corporation ( FICO ) reported my TransUnion credit score at XXXX. 

Under " Fraud Indicator ( s ) '' : 5. " Input Address has been used more than once within the last 90 days on different inquiries. '' - This is not a fraudulent activity or should be listed as a fraud indicator. Just like other consumers, who are allowed to apply for mortgage loans and shop around, this activity should not be marked as a fraud indicator. 

6. " Input Address is a restaurant/bar/nightclub. '' - This is not a fraudulent activity or should be listed as a fraud indicator. My physical address is a mixed-use property ( i.e. the main floor has business space and the upper floors have apartments ). My mailing address is where post office boxes are rented and allowed to be used. As a resident in a communitive living and utilizing a post office box, being marked as having a fraud indicator is unfair. 

The above is unjustly restricting my ability to move to a desired location.
Consumer complaint received 2021-02-25
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. (TX)

5th attempt to remove this ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX XXXX Account XXXX
Consumer complaint received 2024-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (CA)

I am writing to lodge a formal complaint against Sallie Mae regarding a student loan that has been erroneously charged to my account. While I do have several student loans with Sallie Mae for my studies at XXXX XXXX XXXX XXXX XXXX XXXX ), there appears to be an additional loan from the XXXX XXXX XXXX XXXX ( XXXX ) that does not belong to me. I have never attended XXXX. 

The loan in question is identified as # XXXX and has been charging me since XX/XX/year>. Initially, I assumed it was one of my XXXX loans, but upon further investigation, I discovered that it was erroneously linked to XXXX. 

Over the past three months, I have made numerous attempts to contact Sallie Mae to resolve this matter but have been met with no response. As a result, I have been incorrectly billed for over two years, causing undue financial stress and confusion.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Boxwood Mortgage LLC (LA)

DECEPTIVE PRACTICE AND MISREPRESENTATION I applied for a mortgage and was given a loan estimate on XX/XX/22 with an estimated closing cost of {$46000.00}. I told the mortgage broker, XXXX of Boxwood Mortgage, that the cash to close was important to me. I asked for a guarantee that the cash at closing would be close to the {$46000.00} that she quoted. She shared with me that the industry standard is to be within 10 % of the figure and it could be higher since she did not have the exact figures. 

She also told me there was no mortgage insurance, however she failed to mention about the 10.1 % down payment instead of the 10 % I wanted to pay. She mentioned XXXX buster but did not explain or share in any document an increase in down payment other than the 10 % that I intended to put down. 

I later found out that she submitted a different loan estimate to the lender showing a cash to close of {$53000.00}. I have emailed XXXX for an explanation, but she is not responding to my email. 
I am scheduled to close on XX/XX/22, I received closing documents today with cash to close for {$54000.00}. 

This is misrepresentation and deceptive practice to secure business thereby causing undue financial hardship.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST FINANCIAL BANCORP (IN)

This also concerns Complaint number XXXX. 

Mortgage is paid ahead until 2022. There is no compulsory monthly interest stipulations nor prepayment penalty. Been attempting to make principal-only payments but bank keeps charging interest. They will rescind the interest upon complaint, but this has happened to the point that it has begun to show nefarious and unlawful intent to collect what they are not owed.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I wanted to report Cash App. Today, my mother sent {$25.00} to an account that I can no longer access. I reached out to Cash App Support and spoke to representatives XXXX, XXXX, XXXX and the other did not disclose their name during the chat. I had all information at hand for them to either go in and reset my account or close it altogether. They asked me the reason for trying to access the account. Of course, I informed them that I had a pending amount of {$25.00} that I was trying to cash out. However, each of them on different occasions came back with the excuse they could not grant access to my account. I find it very suspicious that because they know there is money pending, they won't let me get into my own account, despite the fact, that I am able to verify my Cashtag and phone number and email associated to the account. Even worse though, is they won't even close the account upon my request. I want to be able to get the refund of {$25.00}. We are on the midst of a pandemic and can not afford to lose hard earned money. I'll never understand these so-called " security measures ''. All of this because I know longer can log into an account because I have no access to the old phone number. I feel like they are trying take advantage of the mishap and keep the money for themselves. Same thing happened when my mother contacted Cash App support to get a refund. She says the representative she spoke with was named XXXX. She also had every excuse as to why she could not refund my mother. Thieves and conniving scammers being created everyday, preying on innocent people because of this pandemic
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (NE)

On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-02-22
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. (NE)

On XX/XX/2022 I sent an dispute letter to all three credit bureaus Experian, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.