davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My identity was stolen and they made multiple fraudulent charges on my credit card. I informed the bank and gave them my identity theft report and all the information I had. They closed the account for high utilization even after I had informed them this charges were not made by me and were a result of fraud. Its been about 3 months since the Fraud happened and they still have not all dropped the charges or refunded the transactions. I asked if they can reopen my account and the person did not help at all. After the account was closed it did not allow me to keep making payments from the mobile app so there was a late payment due in the account which I explained to a representative on the phone and they did not care about and still left it XXXX a late payment which can later affect my credit score. I have had a terrible customer service experience every time I get on the phone with a representative, they always seem to be lost or not very helpful. I have video proof of trying to make a payment on the app and it not giving me the option to pay this account for whatever reason. This is beyond ridiculous I'm looking to get a lawyer and possibly sue. I don't want any further business with Bank of America, i will not recommend them to anyone.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Allied Collection Services, Inc. (Nevada) (NV)

ALLIED COLLECTIONS SERVICES XXXXXXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3100.00} does not belong to me and is a result of identity theft or duplication as this company claims this is the incorrect company for this account. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft as I have included a copy of the report to this complaint. I have submitted all of my information needed to resolve this matter to have this account completely removed from my file and in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-08-08
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: DISCOVER BANK (FL)

I've made a pre-order purchase back in XXXX XXXX the item was supposed to be delivered after XXXX months from the date of payment. the order was never delivered and the seller is not responding to my emails and voicemails. At first Discover refund the charge and resolved the dispute in my favor. A week later they revised the decision without any explanation and without receiving response from the seller. My credit card company is requesting from me the proof that the order was not delivered. When I ask the representative from Discover in what form should this proof be, they can not give me any options. just telling me that investigation is over and not in my favor.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (DC)

I am attempting to correct my credit report with XXXX, XXXX, and XXXX. On my XXXX credit report states it states that I have an account with Mohela. I contacted XXXX to let them know that I do not have an account with XXXX because the account was transferred to XXXX. I disputed this claim and the during XXXX 's " investigation '', Mohela claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not Mohela. 

I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called Mohela to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, Mohela continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided XXXX with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. 

I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial Fall 2007 disbursement. I want the full loan history including the transfer information between lenders.
Consumer complaint received 2024-07-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I received a US Bank Visa gift card as a 'thank you ' from my employer. I've tried registering the card and logging in online, but I am locked out. No matter what I try online, I'm told to call the number on the back of my card... so I do. 

I've spoken with 5-6 different representatives who have each given me various " solutions ''. None of the " solutions '' have worked. Each representative has been extremely impatient and not the slightest bit helpful. ( I've even been hung up on. ) They have provided no true guidance on how to resolve my issues with the gift card. 

I've been told I need to know the state in which my card was purchased, but it was a gift from a coworker who travels frequently to and from various states. I've also been told I need to register my card via phone, but the keypad option they tell me to use does not exist. And one representative told me I need to fax him my SSN and ID card ... which I'm not doing. 

I would simply like to access the funds I was gifted. Thank you.
Consumer complaint received 2024-05-16
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. (TX)

According to FCRA 605B, I think we need to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in their reporting, with wrong amounts and dates.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

When i opened an account with bank of america i started an autopay service with them. On XX/XX/year> they turned off the service and did not notify me thus resulting in me missing a payment. Once they called me to collect i was shocked to find out that i missed a payment and was told that everything will be fixed and they removed the late fees and told me they would send a letter correcting the credit report. I then recieved a letter saying they were right and inwas wrong and they arent going to do anything. I then spoke to one rep and they told me that i never had autopay, then another rep told me i did but it was only for 6 months. Every single rep tells me something different.
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (FL)

PHH Mortgage purchased our mortgage from the original provider. I did not have XXXX XXXX with the original provider. I was notified ( this year and after 3 years with PHH ) that I was required to have XXXX XXXX  and that they had made a mistake by not checking to verify that I did. To satisfy the requirement, I purchased XXXX XXXX this year and gave them the information. There were several problems with their acknowledgement process, but my insurance was finally approved. I just received a letter from PHH informing me that they have purchased a windstorm policy for my property for the period XX/XX/XXXX to XX/XX/XXXX. A sort of " retroactive '' policy in the amount of {$7500.00}. This seems punitive. I've had all the inspections done for the appropriate insurance. And they admitted it was their mistake. Is there anything I can do?
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SLM CORPORATION (NC)

I was checking my credit score this morning and saw that I got had an inquiry from Sallie Mae in XX/XX/year>, which I never got any type of loan from Sallie Mae in XXXX if 2023 and wanted to dispute this inquiry.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC (PA)

Payoff amount requested on XX/XX/XXXX via the companys website and then the request was confirmed the same day via phone call. 
The companys website offered by options for delivery of the payoff information. I chose for the information to be delivered via web to my email. Following up on the request after the XXXX business days passed without me receiving the information, I was told the report was generated and mailed out XXXX business days after the request ( XX/XX/XXXX ). I have not received this report in the mail. Today is XX/XX/XXXX. I asked the company to email the report they supposedly mailed. I have received nothing. I was told they would resubmit the request on XX/XX/XXXX and that it may take 5 business days. I have been waiting XXXX business days for information I should have had in hand after XXXX business days. 
The company is moving forward with foreclosure, sheriffs sale scheduled for XX/XX/XXXX. I received that notice, but not the payoff info that would give us a chance to avoid foreclosure.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: GLOBAL CREDIT UNION (AK)

On XX/XX/XXXX Account Holder XXXX XXXX filed a police report for Global Credit Union 's Accessory before-the-fact of several Felonies and Misdemeanor conducted against Their Business Account Holder XXXX. 

https : XXXX XXXX can be held liable if they fail to perform Accounting Policy/Procedures, for example, Reading the Dollar amount, having a colleague review higher transactions, and holding checks {XXXX} or kore 2- 7 business days in order for transparency and also to spot fraud and not abiding and federal reimbursement codes OVERVIEW Sunday, XX/XX/XXXX : XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( XX/XX/XXXX ) AS XXXX Burglary in the Second Degree intentionally walked into XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to AS XXXX ( XXXX ) XXXX XXXX ) ( XXXX ) or also deprive XXXX and XXXX XXXX personal Business Account out by {XXXX} ( verbatim ) Bank negligence, occurs when a financial institution breaches the duty of care that they owe a customer resulting in financial loss, and from the XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ). Global Credit Union XXXX XXXX ( name unknown ) violated XXXX XXXX XXXX or XXXX XXXX & procedures and also against components of the Federal Reserve Consumer Protection Regulations became an Accessory before-the- fact to XXXX XXXX XXXX AS XXXX Theft in the Second with directly aiding suspects for their {XXXX} Fraudulent Check and indirectly contributing XXXX XXXX XXXX an Official Global Credit Union Deposit Receipt of {XXXX}. As a result, XXXX  & XXXX said we deposited, owed amount of {$XXXX} with our {XXXX} Settlement Check, and in return would appreciate our {XXXX portion now please. 
outcome : Alongside, a Official Global Credit Union Deposit Receipt and also {XXXX} Deposit Confirmation made from a Global Credit Union Bank XXXX : Global Credit Union XXXX XXXX XXXX paved a XXXX XXXX way for XXXX XXXX XXXX AS XXXX theft in the Second Degree of {$XXXX}
Consumer complaint received 2024-05-16
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next XXXX  days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Ive recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (MD)

On XX/XX/year> SoFi purportedly refunded me {$950.00} due to a duplicate payment on my personal loan. Each time i contacted them they assured me it was on its ' way. I never received my money. SoFi has not provided any documentation of this refund. They have only verbally told me it was refunded. They asked for my bank records and I promptly provided bank statements and screen shots documenting that i never received the refund. When the matter was escalated I summarily received an email indicating that the writer confirmed i had received appropriate communication and that the matter was resolved. When I responded that I had not yet received my {$950.00} i did not receive any further response. I then wrote again asking that the matter be escalated and, again, it was met with silence. Today i was told to take it up with my bank. my bank has no record of this alleged refund. I strongly suspect that there has been some fraudulent activity and I am therefore filing this complaint.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Review credit reports and found a discrepancy of a XXXX credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX credit card was never used or ever been applied for by the complaintant. This XXXX credit card is demanded to remove XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

To Whom It May Concern, I am writing to report a serious issue of harassment by a company named XXXX XXXX, VELOCITY INVESTMENTS LLC, and XXXX XXXX. I have been a victim of identity theft, ( starting in XXXX of XXXX ) during which bank accounts, loans, and credit cards were fraudulently opened in my name without my knowledge. Upon discovering these unauthorized activities, I immediately reported the matter to the police and contacted all the relevant companies where these accounts were opened. All of the companies, except for XXXX, promptly closed the fraudulent accounts. I have videos, witness, harassing calls and text messages from a stalker who also broke into my apartment and damaged my property, including my computer from where he must have accessed my data. The delinquents changed my business email address, my email, they also wrote false checks, overdraft that account, I have close to 40 inches of paperwork from all of the crazy stuff they did. I never eat at XXXX, someone was still asking for loans late XXXX... they made a XXXX  drama size of all of this. They opened a savings account too, and applied to several credit card companies. 

Despite my repeated efforts over several months to resolve this matter with XXXX, they have refused to close the account in question. They have failed to provide any proof of making a deposit to any of my accounts or any relevant records. I have communicated extensively with XXXX and their affiliates, providing all necessary documentation, including police reports. However, XXXX continues to delay the resolution and seems intent on damaging my reputation. 

I request your urgent attention and intervention in this matter to ensure that this fraudulent account is closed and my name is cleared of any wrongdoing. XXXX is not acting in my best interest or is colluding with fraudulent creditors Thank you for your assistance
Consumer complaint received 2024-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I've filed an ACH scam claim with Bank of America as I was a victim of an online scam for the amount of {$10000.00}. I initiated an ACH transfer on the evening of XX/XX/XXXX. I soon realized that this was a scam when they asked for my photo ID along with the transfer. I called Bank of America Fraud Department and alerted them that I was being scammed. I was provided a claim # XXXX. I've also filed a police report with my local police case # XXXX. I filed an IC3 complaint with the FBI. I've shared all of the information with Bank of America fraud department via email. 

From XX/XX/XXXX through XX/XX/XXXX, I called Bank of America fraud department every business day asking for an update. I was told an analyst will be assigned to my claim and work on it. 

On XX/XX/XXXX, I received an email from BoA stating that the claim was declined and that they're unable to approve my claim. I called BoA Fraud Department again and found out that the original BoA agent made a mistake when filing my claim back on XX/XX/XXXX. It was filed under a regular dispute, not a scam claim. I was shocked and devastated that BoA made such a mistake and lost 2 weeks time. The new agent apologized for the mistake and offered to file an internal complaint on the fraud department agent ( complaint # XXXX ). The new agent also informed me that I had to start a new claim under scam and essentially start from the beginning. Because of this, I may have lost the chance in recovering my funds. 

On XX/XX/XXXX, BoA sent me a scam victim acknowledgment form to sign so that they can start pursuing the new claim and collection. Since then, I've called countless and was told BoA and the scammer 's bank are working on a recovery collection. 

On XX/XX/XXXX, BoA sent me an email stating the recovery was unsuccessful. They closed this inquiry.
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My Balance of {$7200.00} was paid by a Title company via mail on XX/XX/year>. Mohela received and cashed the check. It cleared on XX/XX/year>. I've had numerous conversations with their customer service rep and supervisors and they claimed they never received it. I sent them a copy of the cleared check and it is now Thursday XX/XX/XXXX and still no credit on my account.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I wired {$1000.00} to XXXX XXXX via Citibank intermediary. Citibank confirmed that the funds were credited into a Citibank bank account, specifically to the following account XXXX XXXX : " OUR REFERENCE XXXX WITH XXXX XXXX XXXXXXXX HAVE BEEN CREDITED TO BENEFICIARY XXXX XXXX FOR XXXXWE NOW CLOSE OUR FILES '' Notice the account where Citibank credited the funds ( XXXX XXXX ) is not the same one as I inputted in the wire transfer : XXXX XXXX XXXX XXXX XXXX for further credit to XXXX XXXX XXXX XXXX 

My bank ( XXXXXXXX XXXX ) and I have attempted repeatedly over the past several months to recall this transaction. CitiBank refuses to respond to or speak with me, a representative from XXXX XXXX, or a representative from XXXXXXXX XXXX XXXX XXXX. They stole my funds by sending it to a completely unrelated account and refuse to recall and return my funds.
Consumer complaint received 2023-03-27
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. (MD)

In Accordance with the Fair Credit Reporting and Acct # XXXXXXXX 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. 

15 USC 1681 Section 602A. I have the right to privacy.

15 USC 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Consumer complaint received 2024-08-20
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC (AR)

I joined a credit repair service for XXXX dollars and they didn't do anything or respond to my emails or calls I requested a refund because a service wasn't provided I'm being ignored and up on doing research this company is committed Fraud to a lot of people ( united funding logistics ) out of Texas
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

This refers to CFPB Complaint XXXX. I am following up because the transaction in question is still unsolved. I see that PayPal has submitted that I don't have a valid complaint because the money ( {$4000.00} ) was transferred. I did not receive an email from you or XXXX about the resolution. XXXX XXXX, the recipient never received the funds in his XXXX account. So PayPal retrieved {$4000.00} from my account without paying XXXX XXXX. I only ask that PayPal investigate what happened to the funds. The transfers show that he received the funds and transfered the funds from PayPal to his XXXX account. No funds appeared in his account. Somewhere the ball was dropped. Please use the documents from my initial complaint to follow up.