davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX of XXXX, 2024, we received {$50000.00} from a client, but on the XXXX of XXXX, ( 2 months later ) the money was placed on a HOLD. It is XX/XX/XXXX, and the money is still on Hold. 

BOFA informed us that the money is part of a Fraude Claim, where the depositor says that they deposited the money in error into our account. This is false, as we have all the information from our business with them, and believe we're being victims of a Deposit Refund Scam, where the money deposited is later claimed back. I have personally called Bofa and informed them of this on multiple occasions and sent them all the proof. 

We ask Bank of America to release the Hold on our {$50000.00} so we can use our working capital.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DIGITAL FEDERAL CREDIT UNION (OH)

I receive message on XX/XX/XXXX about fraud activity on my checking account They asked questions. I gave my account number to a 3rd party, which i should not have done. They then told me I was responsible for paying back XXXX i asked if i could get a statement, but since my account was locked could not. It would cost me XXXX a page which since I did not have money in my account I couldn't get it. I feel if they are going to tell someone they have fraud on there account they ought to have to give proof. I did say something about it to the one person i talked and he said we are a bank, so i am supposed to believe him just because he said we are a bank, anyone can say that
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (PA)

Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am now the creditor of this consumer transaction and I understand that I need to be compensated for these damages listed below & would like to be on opt out.

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, & XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. Yall also have been practicing unfair billing. I was on a payment plan that I was told would bring me current I made automatic payments on time and they still have reporting of late payments on my credit report as well as they still charge me insurance for those XXXX months when I was told there would be no entrance charge. It was a part of the XXXX month program to get me back on track yall wont allow me to make payments to the principal at all, even if I make the minimum payment for that month already ive called and talked to different people over and over trying to figure out why the program that I was promised was not fulfilled. They keep calling me back or saying different things that dont add up. I now know that I am the creditor and they are the debtor which makes me the consumer in which this debt is arising. They are also are not updating my credit report monthly at all my balance is now {$3900.00}. But its still showing {$4300.00} on my report, which is hindering me, showing a credit utilization and enable on me to apply for things like car, insurance, car loans and more. 
Thank you for your time and understanding. 

XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC (CA)

Despite my repeated requests to the creditor merchant, GreenSky, telephone : ( XXXX ) XXXX that they report the correct balance on my account to the three major credit reporting bureaus. GreenSky continues to report an inaccurate balance of $ XXXX to the credit bureaus. The correct balance of my account is {$5800.00}. Please see attached supporting documentation. 

Additionally, I have contacted and made several requests to GreenSky for an updated pay-off letter so that I can provide it to the credit bureaus, but GreenSky tells me they can not provide such a letter because my request is, under investigation An inaccurate balance and incorrect reporting by GreenSky of my account to the credit bureaus reflects poorly on my credit score and my total debt to creditors. Please help me with my request that GreenSky report the correct balance of my account to the credit bureaus and provide me an updated payoff letter. Thank you.
Consumer complaint received 2024-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (LA)

My account is with Fay Servicing for years they refuse to give me information about my loan. My monthly payment is XXXX, principal {$170.00}, interest {$570.00}, escrow {$340.00} tax. We have paid our mortgage for 17yrs and Interest will not go down. We called and was told we have an additional 35yrs on loan. They told us that they didnt have any information on our loan they just service it. My loan was sold and it took 3 months when they took over and tried to foreclose on account because we didnt have access to account to pay.We had problems from the very beginning with this company. When you call they hang up and they are very rude. We were told that we signed modification papers to add 35yrs, if we did, we were deceived about terms. Credit wise, they are aware that we cant refinance with anyone else. They also refuse for us to pay out our escrow tax too have the other amount add to principal was told we couldnt do that so the would just reimburse every year in XXXX if we paid it as a over payment.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Skrill USA, Inc. (AZ)

Please see my extensive supporting documentation. In short, I believe that my credit card processor for my business, XXXX XXXX, sold my account to PaySafe without my knowledge. PaySafe began withdrawing fees from my checking account in XX/XX/XXXX. ( I accept responsibility for my failure to investigate at that time. ). I cancelled my account with XXXX XXXX in XX/XX/XXXX ; they failed to cancel my account with PaySafe -- likewise I did not know that PaySafe existed so I couldn't cancel with them. PaySafe continued to charge monthly fees, raising the rates 3 times without notifying me. When I finally figured out who they were and cancelled my account in XX/XX/XXXX, they refused to be reasonable and communicate with me about the final month charge, even though they acknowledged that the account wasn't used since XX/XX/XXXX. Ultimately, they sent me to Collections without final notice for that final month fee even though I was still in communication with them about waiving it given that they had already received {$3700.00} in what I believe to be deceptively and perhaps fraudulently taken credit card processing fees.
Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions (FL)

I reached out to Hollway credit solutions last year to get more information, the debt that's being furnished on my credit report is for {$1300.00} dollars for my daughter 's braces. This Debt was put on my credit report during XXXX  XXXX, i lost my XXXX  and became sick with XXXX  XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I surrendered this vehicle over to the company CREDIT ACCEPTANCE in XX/XX/year>. 

Since then, the company has continuously reported on my credit monthly as though the account is still open. 

The ending balance sent to my by CREDIT ACCEPTANCE is {$15000.00}. 
The most recent balance reported shows as {$16000.00}. They increase the balance every month, for an account that has been closed via voluntary repossession. 

The account is also reporting as an open account on my XXXX report. 

CREDIT ACCEPTANCE sold me the car at an extremely high interest rate, making it difficult to pay the loan off. After over a year of paying a never ending balance, I surrendered the car, yet CREDIT ACCEPTANCE is still tormenting me.
Consumer complaint received 2024-07-06
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. (NV)

When the XXXX seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX v. XXXX, XXXX XXXX ___ ( 2024 )
Consumer complaint received 2024-07-01
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. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
XXXX XXXX XXXXXXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) XXXX XXXX  Never Served USM-285 and Violation of Seventh Amendment Jury Trial.

Writs never signed by Court Clerks
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I have two debts that I negotiated with Synchrony Bank to settle a Lowes and Home Design HI-PJL credit card. I thought I had made automatic payment withdrawal with both. I was hospitalized during the time the payment for the Home Design account became due, but thought I had setup automatic withdrawal so I did not contact Synchrony Bank. After my release, I notice the money had not been taken from my account. I contacted Synchrony and they told me there not an automatic withdrawal, but go ahead and make the payment that day and that is what I did. When the final payment was due in XXXX, I logged in to make the payment and could not find the link. After calling around, I was told the account was charged off five days after I was told to make the second payment and sent to collection. I was then told to call the collection company to dispute the bill so they could initiate an investigation. I did but then I received written correspondence that they could not find evidence of the XXXX payment. I responded by explaining that Synchrony had removed the link so I could make the payment and closed my complaint. I then sent another dispute letter with the final payment and expressed this was the final payment for the settlement they had prevented me from paying on time in XXXX and acceptance of the payment is their agreement to accept the final payment. Synchrony accepted the payment but then sent me another letter claiming they did not see my payment on time. Synchrony bank has received all three payments for the settlement.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, The credit bureaus stated the reported the information has certified to XXXX that the information is accurate. See below. 

Collection Account Number : XXXX XXXX : XXXX XXXX XXXXXXXX and Account Name : CAPITAL ONE Account number : XXXX Date opened : XX/XX/XXXX Balance : {$460.00} The information is inaccurate from both of these accounts. I never opened the capital one card in XXXX. This is a fraudulent account. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given this account written permission to furnish this account on my credit report.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX Amount {$1800.00} Reported : XX/XX/year> Joint account with Ex Wife attempted to settled with the original company and was sold to this current company for more than I owed. 
XXXX XXXX XXXX {$5500.00} Worked out a payment agreement with original creditor due to financial hardship, account was sold to current creditor. 

XXXX XXXX XXXX : XXXX XXXX, 2024 I have no knowledge of this inquiry/unauthorized
Consumer complaint received 2020-02-12
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: EQUIFAX, INC. (OK)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX {$650.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX  XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SOFI TECHNOLOGIES, INC. (SC)

I applied for the SoFi Unlimited 2 % Credit Card on XX/XX/2024. I was denied a credit card due to insufficient credit activity. I called SoFi customer service and they said they don't have any specifics on why the system gave that decision. When I pulled my XXXX credit report by using the adverse action right, it showed I have a credit score of XXXX out of XXXX, with XXXX credit cards with balances that are paid off in full every month. One of the cards I have had and used for over XXXX consecutive years. My application ID is XXXX. I would like to file a complaint over discriminatory lending decisions based on actually having great credit. In my opinion, the program SoFi uses is biased towards predatory lending practices and favors those they can take advantage of.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We have to ask the CFPB, when is the going to end with Bank of America. 

This issue is various form has been going on since XXXX of XXXX. That is when the first complaint was mention to them about XXXX. Now they are talking about an additional 60 days needed? This is insane. 

We have provided BOA with concrete evidence that XXXX was/is lying. We provide emails of conversation with XXXX talking us XXXX thing and then talking BOA something completely different. We showed the an email where XXXX claim the Bank of America now had the credits or refund since we file the claimed. 

What more information do BOA need? We provide the smoking XXXX and then some. We consider this nothing more than stalling or someone at BOA falling down on the job. ( Which two of the Supervisors admitted ). There internal failure is not our company problem. 

We demand the full {$6000.00} and not the short amount of {$3300.00}. that they claimed they can recover. If they would have responded to our company back in XX/XX/year>, we would not be in the issue. 

Furthermore, they told us all of there investigation would be concluded by XX/XX/year>. Therefore, we will give no more time that they told us and not another 60 days. 

And we believe to our core, they canceled all of our business accounts because we have filed these complaints with the CFPB. 

Today, we have filed the following complaints against Bank of America with the CFPB. 

XXXX XXXX XXXX XXXX XXXX No more time is need on this XXXX issue. I was told by BOA XXXX department that this issue would be sent to arbitration. But no XXXX form BOA has given us no further information if this action was taken. They did tell us again, this would be settled in our favor since we provided compelling evidence against XXXX. 

So we stand by the date they provide XX/XX/year>, this issue with the Refund will be resolved and then we will take up the issue on how BOA violated our consumer rights. Regardless of what they claim is on page six.
Consumer complaint received 2024-08-23
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. (FL)

to whom it may concern, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report. Over a month ago, I received a letter from XXXX  XXXX XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card. 

Upon investigating, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of XXXX XXXX XXXX for the amount of {$2100.00}. When I contacted the number listed on my credit report, I was informed that this loan was taken out in XXXX  and was intended for travel expenses. However, I have never taken a loan from XXXX XXXX XXXX, nor was I aware of such a loan. After explaining this to the representative, they suggested I file a dispute. When I provided my information, they could not find any record under my name, phone number, or any other contact information previously owned by me or my wife, and advised me to contact the credit reporting agency. 

I subsequently filed a dispute with TransUnion. However, after a month, TransUnion informed me that they had contacted XXXX XXXX XXXX regarding the loan, but the company did not provide any response. This lack of response has left the dispute unresolved, and TransUnion still lists the loan as valid on my credit report, which is not accurate. 

After filing a complaint through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX responded that the loan was for a trip from XXXX XXXX to XXXX, two locations I have never visited. The person I spoke with on the phone provided names associated with the purchase of airline tickets : XXXX XXXX, XXXX XXXX, and XXXX XXXX of whom I know. These tickets were bought through an airline called XXXX for a round trip from XXXX XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

They instructed me to file a form to dispute the loan, which I did, and even had it notarized. However, when I sent this documentation, XXXX responded that it was not sufficient proof. When I called them again, I was told that the loan was my responsibility, even though I never requested it, and that I need to pay more attention to my credit report. 

I am extremely concerned because I have checked my credit report regularly, and this loan only appeared recently. XXXX XXXX XXXX and TransUnion are not providing any solution or guidance on what else I can do to prove that this loan is not mine. 

This situation is causing significant stress and impacting my financial standing. I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX ( Spanish )
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.