davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened an account with Bank of America trusting that they will fulfill there obligations and duties as a bank. While opening with them I connected another bank called XXXX  using plaid and the micro deposits. Doing this I transfered funds from my irs tax refund to the bank of america account from my varo account. Only because varo has no branch locations they are an online account. I transfered XXXX which was taken from out of my varo bank account and sent to bank of america. Once the funds hit my bank of america account bank of america automatically and unlawfully froze my account. With no reasonable explanation to myself nor the other bank varo. As XXXX has tried to help me access the funds as well. This money was for my rent and car note. ( Eviction notice is attached to this complaint as well ) While at bank of America 's branch locations I showed two branch managers at two different locations 1 where the money came from 2 what bank the money came from 3 who initiated the transfer ( myself ) 4 sending bank on the phone to verify transactions.

However bank of America 's fraud department or customer service still stated they will not remove the hold. The branch manager then told me that this seems shady on bank of America 's part because that is nor how this should be operated. Bank of America 's reps then told me they need the other bank to verify the transaction which is not an issue other than the fact that varo bank does not have phone support just online chat and email. However I managed to get varo on the line to speak with bank of america and verify everything about the transaction. Bank of America 's fraudulent behavior caused them to then hang up on me twice and then state that I can not call the bank they need to after varo bank says that they will not speak to any 3rd party 's without the customers consent on the phone first. I've spoke with another bank of america rep who told me that bank of america automatically flags any transfer from chime or varo bank accounts. Which is not fair to tax payers who work hard for there money. I've tried every thing to get the account off of restriction forme to avoid this eviction and repossessed car. Bank of america illegally conducted a faulty investigation and failed to protect its customer. After a consumer contacts the bank and let 's them know of an error the bank must timely conduct and resolve the situation. Bank of america is engaging in unfair and abusive acts towards its customers. Customer service hangs up on customers, one supervisor told me u have called to many times. I will pursue this until my account if unrestricted and my funds are available for use again. I'm loosing my car and home due to bank of America 's bullying tactics. Of they can show me one thing that I've done wrong or made it look fraudulent I'd not make this a big deal however I've done nothing at all to cause this. Now I am dealing with emotional distress and a major financial XXXX.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit limit was decreased for what they claim is insufficient usage. It went from {$10000.00} to {$5000.00} over night. I have ALWAYS been current, never delinquent and always managed and used my credit cards responsibly. I only charge no more than 33 %. 

I am being penalized for using my credit responsibly. I called and asked them to increase it back to what i had earned and they refused. There is no reason to reduce my credit limit except for punishment for not using their card more. I am a good consumer, pay my bills on time and am never never late. I have been with Capital One for 10+ years and this is the customer service they give to a loyal paying client? My FICA score is 800+ there is no reason for this.

This action will now hurt my credit score because it will show an overall higher DTI ratio and that a creditor reduced their available credit to me. Their actions will lower my credit score for no fault of my own. It is not right, not fair and should not be allowed since i have used their services responsibly and never violated the terms of the agreement. 

I kindly ask they they reverse their decrease since it was for no legal or financial reason and put my limit back to where it was at. Thank you
Consumer complaint received 2017-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC (NC)

I have dont everything I know possible to get this account taken off my credit . Mariner Finance  told me that once I submitted a police report, it would be taken off. That was done in  XXXX  of  XXXX . It is now  XXXX   XXXX ,  XXXX  and it is still on my credit. The branch  manager of Mariner Finance -   XXXX  - knows the account is not mine and has physically spoken to the account owner. I can provide bank statements that show I never cashed this check or even knew about it until  XXXX  of  XXXX . And since then, I 've been trying to get it taken care of. Wha t Mariner Finance is doing is illegal. My credit score ha s gone down SIGNIFICANTLY due to the amount of the loan and the delinquent/late payments.  XXXX  said the fraud investigation would take 30 days, then she said 60 days ... well now it 's been well over 60 days and still no response. By recognizing and acknowledging that account is n't mine, what they are doing is illegal. They can not keep someone else 's account on my credit. The check should have never been processed in the first place when my sisgnature and my phone number and my bank account were n't the ones used! Who does that?? Who allows another person to take out a loan that 's not written to them. If my name was on the check, should n't the loa n officer have b een alarmed when another person ( not me ) was making the payments?!?!
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (SC)

XX/XX/scrub>XX/XX/2019 {$480.00} This account was closed and charged off by the credit grantor. It is still being reported as if it's an open account. I've disputed this several times and have been unable to have it removed.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I will like all inaccurate information To remove from my credit report because these bankruptcy does not belong to me. the following dates apply XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-27
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: United Revenue Corporation (TX)

1. Requested supporting documentation to show that this is my debt more than a dozen times thought out the last year and have yet to receive. 
2. This debt is not mine. This must belong to my twin brother who obviously has the same birthday as me and has the same initials as me. His initials are XXXX  just as mine. 
3. Per the report, this is from 2014 and is now approaching 7 years old and have YET to receive any resolution. 
4. The 3rd party collections agency has called numerous family members and my work when I've specifically asked for the supporting docs numerous time and told them this is not my debt. Ive told them NOT to contact anyone but myself, that I would continue telling them the same thing over and over again until they could show me that this is MY DEBT! 
Someone, PLEASE HELP with resolution! Thank you!
Consumer complaint received 2020-08-06
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: EQUIFAX, INC. (SC)

Im a victim of XXXX multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 Additionally, these INQUIRIES are NOT AUTHORIZED, I have review my financial transactions and remember doing NO BUSINESS with these financial agencies : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Most, importantly, to avoid future possible fradualent activities in my credit report please make sure that this is the only name XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX Florida XXXX that should show in my credit report. Other personal information that reflects in my credit profile, you need to REMOVE it : These are MISPELLED Names in my Credit Report : XXXX XXXX XXXX XXXX These are the ADDRESS that DO NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-08-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

As a XXXX XXXX XXXX that gets paid twice a month, I began paying my mortgage through bill pay from XXXX XXXX in the amount of {$920.00} in XXXX of 2019. Around XXXX of 2019 my mortgage company called about my payments. They said I missed a payment I explained that I had automatic payments set up so that couldnt be. At the time they informed me that my mortgage payment had increased by {$100.00}, which I never received any notice of. I was also informed that several of my half payments were misapplied. However, I was told that they would reverse it. In XXXX of 2019 I increased one of my half payments to cover the {$100.00} increase from XXXX and then changed my automatic payments to reflect {$950.00} on the XXXX and XXXX of the month. From XXXX to about XXXX I continued to receive calls from my mortgage company saying my account was delinquent. Just about each time I spoke with someone they said a payment was misapplied, finally in XXXX they escslated it. I continued to be in constant contact with the company explaining that I never missed a payment. Finally in XXXX the escalation company called and said they didnt find any errors and that I needed to supply proof. I submitted a digital message on their site with my bank statements showing the payments as well as their statements showing where the payment was misapplied. They have since refused to adjust my account even after supplying the proof.
Consumer complaint received 2020-08-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is reporting false or fraudulent information on my credit report. There is an inquiry on my report from XXXX/XXXX  XXXX which occurred in XX/XX/2020, XXXX/XXXX  XX/XX/2020, and XXXX  XX/XX/2020. I have no knowledge of this company nor have I authorized or signed any contracts. I have sent dispute letters to Experian, and results have came back in the decision not to remove an inquiry with no proof provided.
Consumer complaint received 2024-02-26
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. (TX)

afternoon i have been a identity theft victim for almost a year now i have sent you guys police report after police report and the accounts are still on my Experian report you guys removed them for a day and did reinserted them back on there i still dont know why when its FRAUD can uou guys please remove this fraud as its costing me XXXX in fees
Consumer complaint received 2023-01-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not satisfied that XXXX, XXXX and Transunion have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts needs proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three- month period preceding the date the subsequent report is furnished. Please update the accounts : XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2020-08-06
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX
Consumer complaint received 2020-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the process of refinancing my secondary mortgage, I needed to close out a Bank of America ( BofA ) Home Equity Loan of Credit ( HELOC ). On XX/XX/2020, I called BofAs HELOC department to discuss the charges associated with this step. The agent on the line, who presented himself as XXXX, said the closing cost of {$940.00} ( {$960.00} total fee less {$18.00} in county fees ) would be waived. He referenced my preferred customer status and good standing with BofA for many years as the reason behind the refund. He noted that after escrow closes, a refund will be sent my way. He also gave me confirmation numbers for the call ( XXXX ) and the refund ( XXXX ). 
On XX/XX/2020 the refinancing closed. On XX/XX/2020, I went to my local BofA branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to check on the refund status. I spoke with Assistant Manager XXXX XXXX who told me he did not see anything in BofAs system regarding a refund. He proceeded on opening a claim ( ID XXXX ) in regard to this matter with BofAs mortgage department. I followed up with him several times and did not hear a response. When I caught him on the phone last week, he informed me that he is taking a leave of absence and I should take my matter up with the BofA district manager. 
BofA is not honoring their verbal commitment in this matter to refund the HELOC net closing cost of {$940.00}. I have included the reference numbers for the original conversation, refund claim and follow up claim. BofA representatives portrayed one policy and are not abiding this policy. BofA is also claiming no record of the initial conversation I had with them.

I am writing this letter to you to inform you of these misleading policies as I am likely only one of many who has been guided toward a refund in order to pay a closing charge. 
I thank you for your consideration of this matter. I appreciate any assistance you may offer me in achieving my original refund claim. Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (NY)

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2020-06-18
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. (KS)

The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX  I have tried contacting XXXX  to resolve this but can not reach anybody.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION (FL)

My debit cards had been hacked multiple times and used on online apps such as XXXX XXXX and XXXX XXXX. The XXXX XXXX   transactions have since been refunded, more recently is when the XXXX XXXX charges were made to my account and I notified the bank on each occasion and received a new debit card, also disputed the charges. Ive never used or even opened a XXXX XXXX or authorized any transactions at any point on that app. I went through the dispute process as previously mentioned and the bank notified me that my disputes have been declined. I asked them why and they responded by saying the reason was because Ive had too many disputes and have had 8 new cards this year. I then asked if they could identify where the stolen funds ended up at, such as what bank account or destination that my funds were transacted to. They could not give me an answer. I feel like they did not do their due diligence investigating these charges and investigated me more than the charges themselves. Please let me know if there is any way to help as this has been an on going issue and the amount that is bring denied a refund is upwards of {$3500.00}.
Consumer complaint received 2020-08-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, XXXX   and Experian continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.
Consumer complaint received 2020-08-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, TransUnion and XXXX  continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following accounts are not reporting properly on my credit report. Due to the inaccuracies, this is a FCRA violation and these account should be deleted immediately. 
I previous requested for these account to be investigated on XX/XX/22 and XX/XX/22. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX 
XXXX