davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name is XXXX XXXX and I'm Preferred Rewards Platinum customer of Bank of America 2019. I'm writing regarding outrageous situation that happed with my funds. 
Basically, without any notifications XXXX XXXX $ were withhold from my account and I could not receive any sustainable explanation from the front office staff. 
I work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. My current position is a XXXX XXXX XXXX XXXX and l 'm responsible for servicing XXXX XXXX XXXX. My wife and XXXX kids live in XXXX XXXX, Florida ( XXXX ), due to active full-scale war in XXXX. Funds that were withdrawn are vital for my family to survive. We do not receive any support from US government and all living costs are covered from funds I provide to my family. 
10 transactions that were claimed were receivables from the sale of USDT ( crypto currency ) that were sold on XXXX XXXX  I have all the orders saved and can provide if needed. The person I was trading with made a banking transfer and provided me with the proof, therefore I released the crypto currency to his account. 
I just can't understand how received money transfer that was accepted, after 4 days, can be claimed without any notification. I sold an asset, received money transfer and then this money were just withdrawn from my account after 4 days of the transaction, so I could do nothing at all. This is very disappointing situation that do not contribute to secure and reliable banking institution as Bank of America.

Please could you clarify and investigate this mater, Ill provide any additional documents needed for this purpose. I need my funds to be returned to my account.
Consumer complaint received 2024-07-11
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. (TX)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-07-11
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-24
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. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

It has been over 30 days since Ive been attempting to get my annual credit report from Experian. I have attached the error message. Ive tried multiple browsers, contacted support and still no assistance. My credit profile is also not frozen. I have attached a screenshot of the error message. I took a photo on my laptop also screenshot on my mobile device.
Consumer complaint received 2024-06-23
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian 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 ( XXXX ) 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 ( ii ) 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 2024-07-11
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-25
Product: Credit 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: AMERICAN EXPRESS COMPANY (MD)

In XX/XX/year>, I ordered an item from a merchant called XXXX home with my American Express card by electronic means followed up by an in store visit. Several weeks later this merchant delivered the item. However, the item I received was not the correct item that I saw online, in store, or otherwise and therefore immediately refused delivery. The delivery team refused to take item. I immediately contacted the merchant during the delivery who totally ignored my texts, calls and emails. So I then filed a dispute with American Express. 

With no consideration for what I submitted into evidence not receiving the actual item I ordered and that the merchant was refusing to work with me directly regarding my issue they ruled in favor of the merchant. American Express failed to protect my purchase from the fraudulent and deceptive actions of said merchant. They allowed this merchant to provide me with merchandise other than what i ordered and failed to properly investigate this matter or review any evidence I submitted to them, and relied solely on the response of the merchant who response was completely false, misleading and disingenuous. In the 5 months of trying to have this matter properly investigated by American Express I discovered there is a huge disconnect between the back office dispute team that makes decisions and the agents who do the intake. The back office team does not review all of the notes or evidence provided by the card member, which is clearly evidence by their response. 

The failure of the back office team ( who is inaccessible to speak to card members ) to review evidence submitted by card member consequently operates at the disadvantage of card members and results in failure to properly and fully investigate disputes and allows for XXXX  and fraud. As a result I am requesting you review and investigate his American reviews disputes particularly when a dispute is reopened and additional information is submitted. It is my understanding and experience that once a dispute is closed the first time additional information is overlooked, disregarded and not be reviewed and disputes are summarily dismissed. 

Therefore American Express must be held accountable and reverse this charge of {$820.00} given they failed to protect my purchase from fraud.
Consumer complaint received 2024-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (NC)

This charge was covered by insurance. The provider neglected to submit and verify the insurance coverage and has multiple providers ( contractors ) and operating entities from acquisitions. No follow up assistance from the provider. My deductible has been met for these charges and XXXX refuses to investigate other than validating the charge with the credit collection agency. Both the provider and the debt collector ignore request to validate the error from the provider.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MO)

On XX/XX/XXXX at approximately XXXX XXXX I made a transaction on a website called XXXX Upon completion of the transaction I was not given an order number, raising alarm bells tome, as I have always been given an order number on other sites. 
I then emailed XXXX to request my order number. I had not received a response by the following morning so i called them with the number provided on their site at XXXX XXXX on the morning of XX/XX/XXXX. 
At this time, less than XXXX hours after the initial transaction, the transaction was still shown as " pending '' on my Chime app. I then called Chime to request that the transaction be cancelled as it was shown as pending and had not been completed. Chime refused to cancel it. I told them that as it was not shown as completed then it can be cancelled as it is my money and it should be no different than putting a stop payment on a check. They refused to honor my request. It is my money in my account. They have no right to give my money away if i say not to. I am very sure that XXXX is a scam and will be reporting that site, also. So, Chime is forcing me to allow the transaction to complete, against my wishes, and would not guarantee refund of my money that they allowed to be disbursed. 
This event is the same thing as Chime holding my front dooropen to a person that was going in to steal my property and I tell them to close the door and they refuse. In that onstance, legally, they would become accomplices to the crime, as I believe they have in this situation.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (HI)

Called ally XXXX Friday XXXX, ally phone system recognized my number and verified my identity after I entered last four ssn digits. After which phone service said they changed their system and " hoped I liked it. '' New service to me only provided two options ; 1- call back to number I called from or 2- call another number. I selected 1. Phone service said someone would call me back as soon as possible. On XXXX Sunday ally called, when I wasn't near my phone. A voicemail was left with a ref number and to call them back to same XXXX. I tried to login to ally account and saw I was blocked access. Tried to call ally back with ref # only to get to same two callback options. No call back from them and no way of reaching them ( chat or email ) unless I can login to ally. Meanwhile, I'm getting annoying emails from ally telling me my accounts my online access has been temporarily blocked ( whenever I attempt to login ) and my accounts are in overdraft and telling me to deposit or transfer to those accounts.
Consumer complaint received 2023-08-29
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. (MO)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (LA)

I am an XXXX XXXX XXXX XXXX member stationed in the state of Louisiana and applied for a reduction in interest rate from Best Egg on XXXX XX/XX/XXXX, under the Louisiana Servicemembers Civil Relief Act ( SCRA ) which limits interest rates to XXXX % in accordance with LA Rev XXXX XXXX. My Best Egg loan is in the amount of {$40000.00}, opened on XXXX XX/XX/XXXX, at an interest rate of XXXX  %. On XXXX XX/XX/XXXX, I received a reply from Best Egg denying my request stating that I am not covered under SCRA because I am an XXXX XXXX member and I was on XXXX XXXX when I opened the loan. Additionally, Best Egg cites the definition of " obligation '' stating that the limits on interest rate and fees do not apply to my loan with them. On XXXX XX/XX/XXXX, I responded to the denial asking them to reconsider, reciting the LXXXX XXXX  XXXX demonstrating that the statute does not take into account whether or not the member is XXXX XXXX or not at the time the loan is opened. Furthermore, I contended that they slightly misquoted the statute while defining " obligation '' and failed to consider defining " services '' which I argue includes the provision of funds loaned to me. On XXXX XX/XX/XXXX, my case was escalated to the customer response team. On XXXX XX/XX/XXXX, a customer response team member reached out to me, however, offered no additional information, clarification or resolution. In both that conversation and the email communication informed them that I would be filing a complain with CFPB, and if I am unable to resolve my issue with CFPB, I will forward my complain to the Office of the Louisiana Attorney General. I have tried to inform Best Egg that the intent of the Louisiana XXXX statute is to protect all military members from interest rates above XXXX  %. Best Egg advertises they support the military community and the fact that they go above and beyond the XXXX standard of XXXX  % offering those that qualify at rate of XXXX %. I am hopeful that Best Egg will quickly resolve this issue once they receive the CFPB complaint, and the denial was a result of misunderstandings by their employees at the lower levels.
Consumer complaint received 2024-07-11
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. (OH)

PLEASE DELETE THE FOLLOWING INQUIRIES THIS IS FRAUD. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I have a bank account titled in the name of a family trust. The original settlor of the account is deceased and I am the successor trustee. As instructed, I visited a Citibank branch to submit the trust agreement, the original death certificate of the settlor of the account, my identification and a notarized letter of instruction to add me as a signer on the account. Citibank has taken no action and the call center claims to have no information. The call center and the branch apparently do not communicate with one another. The account has been inaccessible. Citibank has acted in a cruel and selfish manner throughout the process. The call center provides no information.
Consumer complaint received 2024-08-28
Product: Credit 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: U.S. BANCORP (OR)

First, I received a txt alert that XXXX was trying to charge {$650.00} to my USBank Credit card. 

The charge was declined by their system once or twice. My credit card was also Locked in my account, meaning, no charges should have gotten through. I disputed the transaction with a written letter mailed via XXXX as instructed by an chat agent, and explained exactly why. 

First, the charge should have never been charged to my card, given the steps in place. 
Second, I cancelled the XXXX subscription a few days after the charge and XXXX had a popup that informed me that I was outside the 14 Day refund window ( completely wrong, it was 2 or 3 days after the charge/autorenewal I and neither my wife never agreed to ). 

I disputed the charge with USBank and received a provisional credit. Beginning of XXXX, I received a letter asking for more information. This letter was delayed in transit to me via XXXX and left me with 3 Days left to the deadline. I was fast and dropped it in the mail on a sunday with 2 days left. I included, that there is a case against XXXX by the UNITED STATES OF AMERICA and the FTC. XXXX is being sued for exactly what I had disputed. 

I then received a letter on XX/XX/XXXX ( XXXX XX/XX/XXXX ), stating that the credit is being reversed as I did not provide the additional information. I have provided it, or at least mailed it before the deadline with the included business envelope. What XXXX does and how fast they deliver letters is completely out of my control as a consumer, I can just say that it was put into a blue mailbox on time before the deadline. I have a witness that saw me fill it out and drove me to the post office to drop it off. I also have the txt alerts that the charge was being declined initially. 

This charge is actually partially USBanks fault for being let through when my card was locked and now the fraudulent charge is back on my card causing me interest and a higher credit card utilization that negatively effects my credit score. I need USBank to do some proper research on this XXXX case and give the credit back. They also had my email and phone number and could have followed up. 

See : XXXX XXXX XXXX