davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XX/XX/2020 I applied for XXXX, received my card along with my XXXX  payment of {$200.00}. Spent it on bills and certified for my weeks available. My weeks that I certified ending up being stuck on pending for some months ( which I didnt find out until recent ) I ended up loosing my entire wallet around that time and having to cancel all my credit cards. Never thought to call about the prepaid XXXX card because I assumed it was empty. 
I ended up surviving on XXXX off jobs throughout the entire pandemic. 

Fast forward to recently I lose my job again due to our companys relocation, I Re Apply for XXXX. When I log in to re apply I noticed that my pending weeks had paid out, called XXXX about and they told me to call Bank Of America Prepaid Services Because my funds should still be in the account I reached out to Bank Of America Regarding My Account and they let me know that someone had fraudulently drained my entire card, they informed me of their claim process and how Regulation XXXX Requires them to provide me a temporary credit after XXXX business days. The claim came out to just under XXXX dollars ( mind blowing ) They mailed me a new card and told me check my balance everyday to make sure I receive my credit. 

When I activated the new card I checked all the previous transactions on the account and sure enough it was drained down to XXXX cents, but I also noticed that alot of the transactions were ATM Transactions, a lot of them being Bank Of America ATMs at that. 

Why hasnt Bank of America accessed the ATM Footage? Because they know it will prove that I was robbed. 

I filed my claim with Bank of America on XX/XX/XXXX. Today is XX/XX/XXXX and Bank of America employees are telling me that they dont understand why I havent been provisionally credited and that on their computer my claim status has been pending provisional credit since the XXXX. 

They claim that their Back Office handles the credits and that they have sent numerous letters to them requesting that I be credited. 

When I called this morning I was told since the back office is overflowed with papers I wouldnt expect to see a credit for at least another XXXX  days. 

This a clear violation of Regulation XXXX and XXXX  XXXX XXXX employees have admitted that on multiple occasions. They are attempting to use the entire XXXX  days allowed for their investigation without providing the temporary credit. 

I am currently being evicted, I also have nothing to eat. 

Please reach out to Bank of America and rectify this situation immediately. 

ATTN : Bank Of America Prepaid Claims Claim Number : XXXX
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MA)

I applied for a loan and did not see the terms when I applied and signed electronically and did not realize the company was a predatory lender. I borrowed {$1500.00} and when they continued to withdraw money to the amount of {$2600.00}, far beyond what I had borrowed, I called the company and was told the interest is 730 % and the interest on the loan is {$6500.00} and still owed {$5300.00}. I thought this kind of predatory lending was against the law. After finally receiving the terms it states the lender is a XXXX XXXX  and doesn't have to adhere to Federal laws. 
I can't imagine it is legal for XXXX XXXX  to do this. What is my recourse? 

The Date of the loan : XX/XX/23 Applied for loan Loan amount : {$1500.00} Interest rate : 730 % Total Interest : {$6500.00}
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent XXXX, XXXX, & Equifax multiple complaints about fraudulent transactions made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I recently ordered a new card ending in XXXX. However, XXXX was able to charge my old card ending in XXXX and the funds were taken out my account. I have not added my new card to XXXX yet and XXXX transactions shows that the XXXX card was charged. No issue there because I know where the charges came from but my main concern is what if the reason I ordered a new card was because of unauthorized transactions. Does this mean that those people can still use my previous card number to access my funds? I went through their chat and tried speaking with an agent but there was no luck there. This seriously has me wanting to close my account because that is so unsafe and makes me feel like the security is jeopardized. There should not be a way for my previous card to still be linked to my account. This is a serious security issue.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Grain Technology, Inc. (GA)

GRAIN TECHNO- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.
Consumer complaint received 2023-06-16
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. (FL)

despite two written requests, the unverified items listed below still remain on my credit report in violation of XXXX law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ( XXXX ) XXXX Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX Account number - XXXX ) DATE OPEN ( XXXX ) XXXX XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? who verified these accounts? you have not provided me a copy of any original documentation a consumer contract with my signature on it. as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-01
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. (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 Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2023-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

To Whom It May Concern : It has been brought to my attention that { WELLS FARGO } has listed { negative listing } on my XXXX XXXX file. To my knowledge, I have never had account with { WELLS FARGO ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { WELLS FARGO } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { WELLS FARGO } be permanently removed from my XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has a program where they automatically force customers to join a promotional financing plan, and the monthly statement does not explain fully how this works. The plan was activated for {$500.00} or more at XXXX time, now they have lowered the charge amount to {$190.00}. When I pay my monthly bill, I pay more thinking that the extra money will be added to the promotional financing amount. That does not occur. Nothing on the monthly statement tells the customer how this program really works. 

I called Synchrony Bank on XX/XX/2023 and talked to a supervisor. I was told that the customer has to call Synchrony every month and tell Synchrony if the customer wants to add some of the monthly payment to reduce the promotional balance. The supervisor told me that the promotional amount for my charge will be {$30.00} a month. I charged {$320.00}. There is no way I can pay {$30.00} for XXXX months, to pay off a promotional charge of {$320.00}. Synchrony tells the customer to pay the promotional amount in XXXX months, or they will charge the customer interest. There is no way to do that! 

This scam is not outlined on the monthly statement! Synchrony forces the customer to use this promotional plan, then makes it impossible to pay it off, then charges the customer more interest after XXXX months. When I asked not to be included in this confusing promotional financing plan, my request is ignored and denied! 

The monthly statements explains this promotional financing plan. Nowhere in the explanation does it mention calling Synchrony every month, and telling the operator that you want money added to the promotion balance. 

I had this problem before. I went to XXXX for repairs on my car. XXXX charged me a little over {$600.00}. I charged it on my Synchrony credit card. I later discovered that the repairs were not fixed, and got a full refund. I put the money back on my Synchrony card. None of that payment was applied to the promotion balance. Synchrony never told me about calling in every month!
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXXXXXX XXXX XXXX service by Comenty Bank, My store card had no activity since XXXX, In XXXX of XXXX a membership fee of XXXX was billed to the account with no authorization from me. I have tried to resolve this issue with XXXX and the bank, but to no avail. My credit score has been reduce XXXX points because of their error. I am ruined.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NJ)

I had 3 business days to decide to void a purchase. Part of this XXXX XXXX  purchase included the Barclays XXXX credit card being added. I received money for the credit check. I later canceled the XXXX XXXX within the 3 business days in which i also wanted to cancel the credit card since I'd have no use for it. I called and they said i needed to wait for the card to arrive. I simply don't want the bill since I'm not using it at all and attempted to cancel within reasonable time.
Consumer complaint received 2022-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (VA)

I received mailer from BHG suggesting to apply to BHG for a loan, the material was address to me as an individual and not to a business. Around XX/XX/XXXX, I decided to take a loan to pay off my credit card debt. During the application process BHG knew from oral conversation and email that I did not own any business. In which they replied it wasn't a requirement for the loan. XX/XX/XXXX, BHG gave me a loan agreement consisting mostly of fine-print legal terminology. Substantially none of the terms in BHG 's loan agreement were written in language that would be understandable to a layperson like myself. 

I accepted the loan relying on my child support to make the payments. When my ex-husband died in XX/XX/XXXX, I informed BHG that I would need to reduce my payment due to loss of income, which I was informed to file for a hardship. I applied 3 time and was denied because they stated I did not include the child support in my application. I am constantly receiving text from XXXX XXXX for the missed payments due to my loss of income. I have asked them to restructure the loan to make the payments more affordable which was also denied. They are stating i can not restructure the loan until I have had the loan for 5 years which I don't understand. The interest rate is XXXX for 84 payments of {$1000.00}. Which is higher than what I pay for my car note which I financed {$50000.00}.

BHG did not disclose an APR for the loan, and it did not make other disclosures that are required as if it were making a consumer loan. BHG falsely drafted its loan agreement as a commercial loan to a business as purported " sole proprietorship '' d/b/a. It also made references to a commercial loan within the document. However, no such sole proprietorship existed and BHG knew this because of the materials and communications exchanged. They only asked for my pay stubs which clearly indicates I am employed. I was not required to provide any documentation of any business. In my opinion BHG intentionally baited me during my time of need into an extremely expensive commercial loan when I thought I was getting a personal loan. I do not receive any statements showing payments and balances of the loan, so I will never know the progress I am making with payments. 

This type of predatory lending should not be permitted, and I should have never qualified for a commercial loan. When I informed BHG I did not own a business they stated it was ok and I would qualify for the loan.
Consumer complaint received 2022-12-23
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. (GA)

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

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. 

XXXX Bank account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.
Consumer complaint received 2023-01-24
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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. 

XXXX Bank account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (VA)

To whom it XXXX concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I believe there has been a misunderstanding in communication between Bluebird and I and I am in need of your assistance. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes.

2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history.

3 ) Retrieve {$30.00}. from merchant, XXXX XXXX XXXX XXXX as they state XXXX will only allow the financial XXXX Bluebird to return funds to customers once a dispute has been opened. 
( Please see screenshot where XXXX is in agreement with the return of my funds ). 

Please investigate and assist me in addressing these concerns. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX