davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

In XXXX  2024 I contacted Comenity bank about a past due balance, to inquire on options. A representative set me up on a zero interest program. I agreed to all terms and conditions presented to me and let the bank set up a years worth of payments debited directly from my checking account. The program agreed to was {$240.00} for the first payment and {$73.00} per month until paid off. The representative set up the first payment and the next 11 payments. I was transferred to another team that read all disclaimers and the call ended. Since then payments have successfully cleared my checking account each month. In XXXX I received a notification from a credit monitoring service that my account charged off. I have called Comenity on 4 occasions trying to resolve to no avail. Meanwhile, the payments continue to debit from my account. No one can explain why they did not uphold the agreement and they keep saying they are escalating.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

Hi : I have a Citi XXXX XXXX XXXX that i can get 2 % back on my purchases. 
I then accumulate that 2 % into a reward fund controlled by Citi. 
When I check out ( places that I go ) XXXX, XXXX and XXXX if my purchase is above {$10.00} a screen will pop up asking if I want to use {$10.00} of my reward money towards this purchase. 
In very small print the screen says if I agree to this {$10.00} reward money to be used Citi will take {$12.00} from my reward account thus resulting in a {$2.00} charge for this transaction which equates to 25 %. 
Same happens if my bill is over {$20.00}, the screen will ask if I want to use that amount {$20.00} from my Citi reward account, but Citi will take {$25.00} total from my reward account, again a 25 % charge FOR WHAT ARE EXCESSIVE FEES. 
The screen gives me XXXX little boxes, ( XXXX red and XXXX green ) to let me choose what I want to do to. 

If we do not look very close, we will end up with this excessive fee happening. 

I have called Citi over this screen even showing up at the stores I shop at as I have NOT accepted any kind of permission to offer this up to me when I have not asked for STOP THE EXCESSIVE FEE AND STOP THE SCREEN FROM SHOWING UP WHEN I HAVE NOT ASKED FOR IT!!!!
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in XXXX we deposited a check in my BANK of AMERICA account # XXXX from a costumer {$4200.00} until XXXX I saw a bank deduction for that amount, their note was saying duplicate item. I had to go to the bank to find out the reason, no clear answer. so until since then I visit the bank called customer service/ claim/fraud all I can do in my end and no help. 
Their explanation is someone else deposit the check in XXXX  after me, how Bank of America has the information if I have a letter from XXXX ( my customer Bank ) with my transaction and my stamp. 
I want to know where the money ended and why bank of America is releasing funds to the someone is not the payee in the check.
Consumer complaint received 2024-08-22
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)

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 number : XXXX, Account name : XXXX Bank has XXXX my rights. 
-Account number : XXXX, Account name : XXXX XXXX XXXX has XXXX my rights. 
-Account number : XXXX, Account XXXX : XXXX has XXXX my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing to file a complaint against Bank of America regarding an issue with a money order deposit. On XX/XX/year>2024, I deposited a money order totaling {$16000.00}. Unfortunately, I had forgotten to include my personal information on the money order. 

Bank of America subsequently informed me that the funds could not be deposited and that I would need to receive legal copies of the money orders in order to re-deposit them. To date, I have received only {$6300.00} of the legal copies. I have not yet received the remaining {$10000.00}. 

I have contacted Bank of America at least seven to eight times regarding this issue, requesting that they resend the remaining legal copies. Despite these efforts, I have not received the remaining amount. They sent me a few, but not all of it. 

I am requesting your assistance in resolving this matter and ensuring that the remaining legal copies of the money orders are sent to me promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

{$490.00} TRANSWORLD SYSTEM INC/ is the company claiming to have been paid and also had my debt. This is incorrect and the original amount was paid directly to XXXX and i have several payment confirmations as well. Which was summitted to them back on XX/XX/year>, and also back XX/XX/year> as well as XX/XX/year> Original creditor : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (DC)

I have checked my recent credit report for LexisNexis and XXXX keeps reappearing and I no longer have them on none of my major bureaus on XXXX, XXXX and XXXX. 

LexisNexis shouldn't be on my report because I disputed this information little over a year ago.
Consumer complaint received 2024-10-02
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. (GA)

I have been contacting all three credit bureaus since the year XXXX Regarding This account and all the inaccuracies they have been reporting since I have noticed since XXXX. I have disputed this account several times with all three credit bureaus and XXXX XXXX. I have requested debt validation, and I have never received that, I have requested a 1099C and notified them I have never received a 1099C. This account has been removed but also Violated the FRCA because I was not notified when it was reinstated. Over the years they have removed some of the inaccurate things but, continue to report inaccurate information. Some companies are reporting repeated charge-offs and repeated repossession. Each company always replies back to my disputes that, the account has been verified, and clearing it has not been verified, if they are reporting repeated charge-offs and repeated repossession on this account. They have not sought to get a 1099C from the company that is reporting the charge-offs.

I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to my creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information. 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes. 15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA. 26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices. 26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.
Consumer complaint received 2024-08-22
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. (TX)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/year> I accessed my Bank of America accounts to pay for professional legal fees, however XXXX transactions made were canceled. I could not access these funds. I called to fix the issue but the issues have remained and changes were not visible on my online banking account despite several days passing. Then I was locked out of my online banking account. I called to receive access, it was restored with authorization to make transfers and transactions. I set up another wire transfer on Friday, XX/XX/year> for next day delivery. Then I rwas locked out of my online bacnking account again. I called on Monday, XX/XX/year> to address the issue. I was assured the account and wire were cleared and I was guaranteed that the wire transfer should arrive no later than end of business day Monday, XX/XX/year>. The agent reinstated the wire transfer at that time, and assured I would receive a confirmation email. I did not receive that email. The next day, Tuesday, XX/XX/year>, the funds were placed on hold and the wire still had not been processed. I spoke with an agent and was given conflicting information about the wire transfer being set to XXXX delivery, then that statement was retracted and the agent stated the transfer was set for the next business day and that they did not know why I had not yet received it. They also could not explain why the wire transfer was placed on hold and had not yet been processed. Then I was told I could be given the number for the XXXX XXXX department, I accepted and was then told that there was no number for a XXXX XXXX department. I was told that my wire transfer could arrive either : later on the XXXX or by the XXXX. For a wire transfer sent on XX/XX/XXXX for next day delivery. Meanwhile, I have not been able to pay for legal fees and face professional consequences and missed opportunities due to not being able to access the funds in my accounts either at all or on time. And I have not been able to receive an explanation or documentation for a sudden inability to access my funds in my accounts over the past almost XXXX weeks.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi i recieved a refund from university on friday. I always have a problem accessing my money from bank of america. I was told all they needed to do was push a button to release my funds and they refuse. It doesnt matter that i have rent due or anything else this bank/company just wants to take everything. the employees are rude and unhelpful. I have XXXX XXXX an hour now to find this bank just to walk in to be told we cant do anything when the guy on the phone from the same company is saying otherwise. I will start looking for a new bank or just no bank for next time.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NJ)

MOHELA lost all of my information regarding student loan forgiveness when they transferred to a new platform. I faxed the information back in with no progress. They also messed up on my forebarance and sent me a bill during that time. No one responds to the emails that I've sent and it's difficult to get a person on the phone.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AAA Auto Title Loans, LLC (NV)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried logging in, on the mobile app .The bank says unexpected error.i didn't think much about it XXXX job at the time was helping people to get money from XXXXi thought I was helping a man who was XXXX XXXX XXXX who did not read or write.he asked me to help him with his unemployment .I filled out application, and I certified for weeks he was unemployed .I called the bank with my friend .we talked to a lady who barely spoke XXXX, I tried translating, together with a bank translator.iexplaining that there were unauthorized charges on his account. .the bank agent froze his account and told us to go to bank with XXXX forms of id.my friend has never had an id .and in order for him to get an id he needed a birth certificate .that he didn't have .it took him a while to get his birth certificate .finally when he had it we went to the bank .they told us he doesn't have an account, I tried logging in to his online banking.i got the same message. 
I have other friends who are illiterate .I tried doing the same for them .it seems that I wasn't the only person having an issue with online banking .we aren't the sharpest knives in the drawer.
Consumer complaint received 2019-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

On XX/XX/2019 - I made a one time payment from my personal checking account to cover my brother 's mortgage in the amount of {$1400.00}. I specifically told them this was to be used 1 time and to not save my account information for future payment processing. 
On XX/XX/XXXX, my brother called his mortgage and made his XXXX payment by phone, using his own account information. He even sent me a message thanking me again and told me he made his payment and was getting caught up on things. 
On XX/XX/XXXX, the mortgage company drafted his XXXX mortgage payments in the amount of {$1400.00} from my account without authorization. 
I called in on XX/XX/XXXX and XXXX. They informed me only that they did see a payment on XX/XX/XXXX and again on XX/XX/XXXX and that the next payment due was XX/XX/XXXX. They said my brother, XXXX XXXX, would have to contact them. 
XXXX called in on XX/XX/XXXX and was told the refund would take a few days due to the Holidays. I checked my account in XX/XX/XXXX and it still was not refunded. I tried calling all day yesterday and could not get through. I was able to get through today and they confirmed they would not tell me anything without my brother on the line, ( even though they did confirm he had called in on the XXXX and provided permission in regards to the account ). They said it was only good for that day. 
My brother works in the field and doesn't have service to sit on hold for hours to get this resolved. I'd like my money refunded and I'd like the {$34.00} fees refunded as well.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2019 I consolidated all of my XXXX student loans with XXXX XXXX. The new loan appears accurately on my report. However, my 12 XXXX  loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (MD)

GM Financial is continuing to report a balance on the charged-off account, despite having sold the debt to a collection agency. This is a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 5 ), which requires that the original creditor report a {$0.00} balance once the debt is sold.

The charge-off account is being updated monthly on my credit report, inaccurately suggesting ongoing negative activity. This practice is misleading and in violation of FCRA 623 ( a ) ( 2 ), which mandates the accurate reporting of account information.

The simultaneous reporting of a charge-off with a balance by GM Financial and a collection account for the same debt constitutes a form of double reporting, which is unfair and misleading.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (VA)

I received a check and letter in XXXX  of XXXX regarding my account I have copies of the check when I called to see if I was owed more money due to the lawsuit I was told they couldn't find anything on file. Wells Fargo my name is XXXX XXXX address is XXXX XXXX XXXX XXXX va XXXX
Consumer complaint received 2024-08-22
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. (OH)

I reviewed my consumer report and was aware that there is an inaccurate account that is reported incorrectly on my consumerr report. Child support is listed as a collection, I do not owe this debt and this debt should not be reported on my consumer reports.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After making claim number XXXX regarding a fraudulent transaction in my debit card caused by a phishing attack, the bank decided to freeze and initialite an account closure. 

I called the bank, and they told me the reason for this is because i have no SSN, but my account was open in 2016 when the SSN was not mandatory. 

Another employee told me that as i open the account in 2016, i have the right to keep it open with no SSN. Also i never had a debit card claim or fraud with this bank in the past. 

So i think the reason for the closure is not the missing SSN, is just to dont resolve my debit card claim.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Respected Officials, I owe debt on my credit cards and had signed up for financial relief. However, due to financial situation and legal problems I am facing XXXX and XXXX, I am unable to make a minimum payment due. So I signed up for debt managment plan and they communicated with me that they are negotiating with credit card companies. Bank of America has sent an email with increased balance after proposal was sent. I request them to consider my debt management proposal and give some more time to start making payments according to the proposed plan. Thanks XXXX XXXX