davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am a retired Veteran of the XXXX XXXX XXXX XXXX XXXX. I am a retired XXXX XXXX XXXX, I have put my life on the line for my country and state. It is unfortunate to have a credit scoring company become the demise of my exitance here on earth. The erratic fluctuation and inaccurate accounts of my report are hindering me form attaining a vehicle or loan and an affordable rate. I have sacrificed and put kids through college, donated my time to help others and now this. 

I am asking that the good government that I placed my trust in all of these years step in and do better. My credit score is lower than it should be.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Subject : Urgent Complaint : Unresolved ACH Fraudulent Withdrawal and Lack of Response from Bank of America Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Bank of America for their gross negligence and inadequate handling of a fraudulent ACH withdrawal of {$1200.00} from my account on XX/XX/2023. Despite reporting the incident immediately, I have been met with silence, delays, and a complete lack of resolution for over two months. 

Upon discovering the unauthorized withdrawal, I contacted Bank of America customer service on XXXXXXXX XXXX. The representative confirmed the fraudulent transaction and I was instructed to file a formal ACH Fraud Claim online, which I did immediately. 

Since then, I have called Bank of America every week for an update on the investigation and my stolen funds. Each time, I am met with automated prompts, long wait times, and inconsistent information. Despite resubmitting the ACH Fraud Claim form multiple times upon request, I have not received any official communication from the bank regarding the progress of the investigation or the status of my claim.

Unacceptable Service and Devastating Consequences : As a loyaXXXX Bank of America customer for over 30 years, I am appalled by the bank 's complete disregard for my situation. This fraudulent withdrawal has not only caused me significant financial hardship but also immense stress and frustration. The bank 's lack of action has eroded my trust in their ability to protect my financial security. 

Request for Immediate Intervention : I urge the CFPB to investigate this matter urgently and hold Bank of America accountable for their failure to adequately handle this fraudulent activity. I request the following : - Immediate return of the stolen {$1200.00} to my account.

- A thorough investigation into the source of the fraud and implementation of measures to prevent similar incidents.

I have attached relevant documentation, including the initial fraud report, communication logs with Bank of America representatives, and copies of the resubmitted ACH Fraud Claim form for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

I am a federal employee working towards XXXX forgiveness for my federal student loans. I typically submit an employment certification form ( ECF ) each year in order to have my payment count updated. This was my first year certifying my employment with Mohela, after having had my loans transferred to Mohela from XXXX XXXX, and it has been an absolute disaster. 

I submitted my XXXX to Mohela in XX/XX/XXXX. My previous XXXX had been submitted ( to XXXX XXXX ) in XX/XX/XXXX, and so I was seeking to have my payment count updated to reflect the period from XX/XX/XXXX to XX/XX/XXXX. Due to the student loan pause, which provides XXXX credit for each month spent in qualifying employment, and the fact I was in qualifying employment for entirety of the period covered by my XX/XX/XXXX XXXX, I was entitled to XXXX credit for each month from XX/XX/XXXX to XX/XX/XXXX. But Mohela, after completing my payment count in XX/XX/XXXX, only credited me with 5 qualifying payments in that period. The remaining months say " employment not certified in my payment tracker on XXXX website. 

I called Mohela for the first time about this issue on XX/XX/XXXX and was told that my payments were still the process of being counted and that this process would be completed in XXXX weeks. I doubted this was the case, as I had already received a letter from Mohela on XX/XX/XXXX stating that they had reviewed my XXXX and calculated the number of qualifying payments I had made, thus implying that the counting process was complete. But I decided to give them a few weeks to see if they could fix the problem. 

When my payments were still being credited incorrectly on XX/XX/XXXX, I called Mohela for a second time. The representative I spoke with this time told me essentially the same thing that they were still in the process of crediting XXXX payments and that, eventually, my payment counts would be updated, but that he could not give me a date by which this would be completed. He stated that it was misleading to have sent me a letter implying that the process was complete. 

Im submitting this complaint because I am concerned that I am being given the runaround and that nothing is actually being done to ensure that my XXXX payments are properly credited. Im also concerned about Mohelas recordkeeping practices with respect to XXXX payments. They are my third student loan servicer and this is the first time I have had so many errors in my payment count. Even if it is the case that Mohela is still trying to calculate payments, it is absurd that it is has taken so long and that they can not give an estimated date by which the process will be complete.
Consumer complaint received 2023-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. 
After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt.

Medical debt is not allowed to be reported until its more than a year past due however XXXX continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, Capitol One and XXXX XXXX  I have filed numerous XXXX XXXX XXXX complaints against XXXX but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.
Consumer complaint received 2024-01-04
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)

I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX I submitted a dispute to experian regarding account XXXX from XXXX XXXXXXXX on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number made with experian XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AR)

On XX/XX/XXXX, I purchased a XXXX XXXX riding lawnmower from our local XXXX 's. I charged it on my XXXX 's ( SYNCHRONY ) credit card. They have a Promotion that if you spend more than {$2000.00} you can charge it at a fixed rate at a lower interest rate. I charged {$2900.00} fixed pay for 60 months. I recently looked on their website and it shows I still owe {$2100.00} that I've been paying for more than XXXX years. That's only {$850.00} towards a fixed loan. Something is fishy going on. I contacted XXXX 's XXXX and all I got was excuses. I'm not disputing what we owe XXXX 's because I don't know because you can't get all the statements from XXXX. 

Another fixed XXXX months in XXXX for {$2000.00} and the current balance is {$1100.00} so {$840.00} has gone toward that one. 

The first thing that gets paid when we get paid is our debts. XXXX 's is on Autopay. There is no excuse for this. A fixed loan is a fixed loan. Come XXXX if that Lawnmower is not paid off I will be taking legal action.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (TX)

got the lease back XX/XX/XXXX - set up the payments on Autopay - XX/XX/XXXX- i receive an ugly letter saying - Notice of Acceleration - i called back in XX/XX/XXXX to get a payoff and they never said i missed a pyment i called when i received ugly letter XX/XX/XXXX and they said i missed the XX/XX/XXXX payment i got my bank statement and i show i made the payment but after going thru all my statements- i see the never took the XX/XX/XXXX payment- i had plenty of money in my account. 
i have called so many times asking for a full payment history and not received it only email to log into the website i have spoke to a XXXX many times at XXXX few times and she says its a system error and her supervisor is reviewing and ever time i speak to her i ask her to call me back .... no one has ever called me back. 
Also i want to go ahead and pay the XXXX since i do see it never was collected and she says just wait .... 
i am still wainting and nothing is geting done
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My information has been used fraudulently without my knowledge nor consent. This has resulted in a un-authorized bankruptcy being reported on my credit reports, along with an account, several addresses that I'm not connected to, and some un-authorized inquiries. I am requesting that these items are deleted immediately.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Two fraudulent charges for {$11000.00} each were run through my Citi Bank MasterCard account on two consecutive days on or about XX/XX/2020. The bank put me over my authorized credit line by about {$1500.00} to pay for the second charge. I did not authorize them to do that and had they stayed within my limit, this would not have happened. I had also just made an early balance payment of about {$9000.00} the same day the charges were made. 

Nobody flagged the account despite the obvious duplicate and fraudulent charges amounting to over {$23000.00}. It was a huge mistake on the part of Citi Bank. The charges were made using an app, there is no signature. I was able to determine that the merchant was working on an unrelated fencing project on my property. He has a criminal record for fraud. The bank determined they were both fraudulent transactions and XXXX XXXX closed my case XX/XX/XXXX. I told Officer XXXX of XXXX  PD investigating the crime that the case was closed and they also closed their case. Months later I was looking for a credit balance for a refund owed to me by XXXX XXXX related to covid19 cancellation and saw that the charge had resurfaced. I called again and again and again and am told that the bank reversed the first charge and not the second charge by mistake. The merchant voluntarily reversed the first charge after I told him I was going to call the police. The police believe he reversed the first charge because theft over {$20000.00} carries with it a much stiffer penalty. I have talked to over a dozen people in the security department of Citi Bank, they all tell me the same thing and the matter remains unresolved. Security department employees include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in North America. Many more were also involved in the offshore offices. XXXX has not responded to at least three messages. 

I have nothing to show for {$11000.00}. The bank refuses to protect me and is ruining my credit. I have since incurred interest and service charges for something that was not my fault. I am being held hostage by the bank who is also in possession of funds that are payable to me. What they are doing is criminal. 

I was a client for ten years but after this failure have lost confidence in Citi. I paid my bills on time and in full. I never carry a balance. Its just unreal that a bank can get away with enabling a crime like this. The merchant is in possession of my money.
Consumer complaint received 2023-03-12
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: WELLS FARGO & COMPANY (NJ)

I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.
Consumer complaint received 2024-03-20
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. (CA)

Transunion is reporting several accounts on my credit report inaccurately which is a clear violation of my rights. Under 15 USC E ( b ) whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual and whom the report relates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have 8 accounts reporting inaccurately. Trans Union is reporting eight different accounts inaccurately because date last active is different on every account and they claim to be reporting information accurately but the date last active is different on each bureau. The information is coming from the same source so the information couldnt be different if theyre getting the information from the same source. How can you claim to be reporting information accurately, but it doesnt align with the other two bureaus. Each bureau should be reporting the same information but theyre not because the information is inaccurate.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DE)

My card was compromised in XX/XX/2021 I provided Bank with the proof that I could not be two places at once and my claim still was denied. I am asking my bank to take a second look bc when I contacted merchants its clear that within hours the card was physically being used in multiple places in and outside the United States how Is this possible and not fraudulent.