davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I filed a claim with Bank of America ( BoA ) after depositing {$900.00} into a BoA atm and the machine freezing, taking my money and debit card, and not posting the money to my account. I immediately called BoA and spoke to a representative to file a claim. I did not leave the atm until the BoA representative told me my claim was submitted and it was okay for me to leave the atm. {$900.00} were deposited into my account while BoA investigated the claim. About a month and a half later on XX/XX/XXXX I received a notification from BoA that my claim had been denied and the {$900.00} were removed from my account. I called BoA on XX/XX/XXXX to ask why my claim had been denied and to request the documents they used to make their claim decision. During this initial call the representative stated that notes indicated the claim was denied on the basis of video evidence " showing I left the ATM ''. This representative indicated he thought the claim had not been investigated thoroughly and that it would be reopened. After a week of not hearing back I called again on XX/XX/XXXX and was told by a BoA representative that my claim had not been reopened and that I needed to send a letter of disagreement to get my claim reopened. I faxed a letter of disagreement ( uploaded here into the supporting documents ) and still did not hear back. Furthermore, during this time I still had not received the supporting documents I had requested from BoA. I called again and was told that my claim had been reopened and that I would get the supporting documents eventually. I called one final time on XX/XX/XXXX to speak to a supervisor and now they said that the video evidence did not support my claim, but I was told that I could not get access and that I would have to file police report to get this information. BoA neglected to inform me of this the first 4 times I called. I specifically requested to explain how their decision could be made since video should show money going into the atm, but no money or debit card coming out. The supervisor stated they could not answer that question. Furthermore, now they stated that there was no physical money found in the atm machine. I had specifically asked that this be investigated the first time I called and it is impossible for the money and my card to not be in the machine. When I first filed my claim I even requested a new debit card, because I was unable to recover it. I am requesting the CFPB investigate my claim and obtain the video footage from BoA, which they are refusing to share with me or answer questions about their decision.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

- I tried to avail my self of the six free credit reports from Equifax, since their information breach and their badly bungled efforts to protect my credit information. 

I could not get their MY Equifax.com to work, so I contacted XXXX. 
The first time, I called the number given in their email resonse to my email and gave nearly a dozen personal identifiers, all the usual ones. Then I was asked about any credit cards and I only have two and I identified them. 

Then I was asked the balance, which I gave for the XXXX XXXX account, wasn't asked about the other. then I was asked the exact dates of my last dispute and I gave all three recent dates, and then I was put on hold and a two question survery and then I was hung up on.

The second time the next day, the same prcedure and then I was asked to mail two proof of ID. 
They had all the information they needed to identify me, it was only when they saw I have an active dispute that I was jerked around. 

Could you please fine them heavily and amend their abusive conduct?
Consumer complaint received 2020-12-30
Product: Credit card or prepaid 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: CITIBANK, N.A. (WA)

On XX/XX/2020, I purchased 3 items from XXXX totaling {$2700.00}. On XX/XX/XXXX, 8 days after the initial purchase, I was notified that 2 of the 3 items were not in stock and that I could cancel my order. I then canceled the order with XXXX, but they stated that 1 of the items already shipped and that since I was outside the 24 hours cancellation period, I would have to pay a 30 % restocking fee. I notified XXXX that I did not agree with that since I was not notified until 8 days after that my full order could not be fulfilled. XXXX issued a credit for 2 of the 3 items on XX/XX/2020. This left a balance of {$1100.00} for the XXXX item that had been shipped. XXXX refused to issue the credit for {$1100.00}, so I disputed the charge with CitiBank Double Cash Card. 

In XX/XX/2020, I started the dispute process with Citi Bank. They requested information from myself which I returned to Citi on XX/XX/2020 and again on XX/XX/2020 after no hearing back. I then received a message from Citi that they sided with the merchant, even though I do not have the item in my possession. The item is still in the companies warehouse. I then reopened the case in XX/XX/2020. I received a letter from Citi in XX/XX/2020 stating that the dispute timeframe was over and that they could no longer help me. During this time, they are requiring me to pay interest and received no credit for the amount in dispute.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

Amount {$1100.00} which is {$890.00} and {$270.00} interest I have written this agency twice ( XX/XX/2020 and around XX/XX/2020 ) requesting documentation that proves this debt to be mine. I requested a copy of any contract with my signature ; I requested verification of their authority to collect on the debt ; the original contract because they are charging interest. I do not recall this debt. I requested validation pursuant to all laws that govern collection matters. I have only received a XXXX XXXX spreadsheet, Nothing from the original creditor, nothing with my signature, nothing with any proof that I contracted or agreed to do any business with the original creditor. 

I have attached the documentation provided by the collection agency. Please know that I requested documentation prior and never received it.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing a complaint on Bank off America cause in XX/XX/2019 I had lost my debit card with them and I reported the fraud to BOA and they did not approve my claim. I moved from my address in XXXX XXXX XXXX XXXX NM to XXXX XXXX XXXX XXXX  XXXX I filed a police report and sent it to them attached with my social security number XXXX cause I did not have my account number heard nothing back and they had my account overdrawn cause of this fraud.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OR)

Over {$13000.00} went missing from my account in 2021, {$5000.00} of that being that they allowed somebody to go into a branch and withdrawl money from my account without my permission and when i disputed it i was denied riembursement and they refused to show me footage of the transactions being made and had no thumbprint or identifacation for who they allowed to make the withdrawls!!! The rest was missing from a bunch of fees and unknown transactions!!! I have attempted numerous times to get them to fix my accojnt and they deny and close the dispute every time!!! Im looking into lawyers to proceed with my lawsuit!!! The wells fargo senior vice president XXXX XXXX is the one who denief and signed almost every dispute i have filed!!!
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I'm assuming that you either didnt receive my letter on XX/XX/2020 or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.
Consumer complaint received 2020-03-06
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: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed onXX/XX/XXXXXXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago
Consumer complaint received 2020-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lending Club Corp (OH)

On XX/XX/XXXX I signed a loan agreement with Lending Club to refinance my vehicle. The payoff check was supposedly was sent on XX/XX/XXXX. My payment for my lienholder XXXX XXXX XXXX XXXX XXXX is due on XX/XX/XXXX and Lending Club is asking me to make my first payment on XX/XX/XXXX. The lienholder has not received the check as of XX/XX/XXXX. Lending Club tells me that they sent out a new check overnight on XX/XX/XXXX and said it will take 5-7 business days for the lienholder to process. I asked that my first payment with Lending Club be changed so that I will not have to make two payments, as I was told that I need to continue making payments until my payment with the lienholder has been finalized. Lending Club said that they can not change the due date of the first payment. I have been lied to by their customer service reps as they told me that the first check was lost and a second one was sent out on XX/XX/XXXX. I confirmed with another customer service rep, that was not true and no second check had been sent out. I was told by a another customer rep that an extension could be done on the first payment, which was another lie. I talked to a supervisor named XXXX on XXXX and he promised he would " get to the bottom of this '' and promised to contact my original lienholder to see what the issue was, and would call me back later that day. I called back shortly before they closed after not receiving a call and was told that XXXX was no longer in the office. I have been getting the run around with them since day one.
Consumer complaint received 2020-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ( BOA ) Sold and Invalid DEBT and Loan ( HELOC ) on my Primary home to XXXX XXXX XXXX ( XXXX  ). I have had an on-going and un-resolved dispute with BOA and even though your CFPB show the original dispute has closed - it was never actually resolved. I attempted to resolved with Bank of America of over 5 years now. 
Bank of America did not resolved the the matter rather sold the Loan in XX/XX/XXXX Servicing Released, which I believe was not a valid debt to XXXX and never resolved the original dispute. I have filed a complaint with CFPB on XXXX  as well.. 
XXXX is Relying and using Erroneous information provided by BOA to now Attempt a Trustee Sale on  XX/XX/XXXX. CA Foreclosure Law and other breaches are eminent. 
By both BOA and XXXX.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I got behind on my Capitol one card when I lost my job last year. They tell me they will put me on a payment plan so I can get caught up, I make the payments as arranged but none of it ever goes to my balance. I've asked for the account to be closed and they say that isn't an option. I've been paying around XXXX on a XXXX balance monthly for over a year and the balance is still XXXX. I called to make a payment today and they say I'm XXXX past due ( even though I'm supposed to be on a payment plan. ) I told them I've made payment arrangements for XXXX, XXXX and XXXX and they say I broke the agreement, which is false! I paid XXXX in XXXX, XXXX in XXXX, and they say I owe XXXX for XXXX. Will you please help me close this account? I've paid more in interest and late fees than I actually owe.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX/XXXX, XXXX  , XXXX XXXX, XXXX XXXX   XXXX
Consumer complaint received 2020-03-05
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. (CO)

I got my credit ran today XX/XX/2020 because I am in the process of refinancing my car, however, I was told that I would be unable to refinance right now because there is an account from XXXX XXXX XXXX in negative standing appearing on my credit report. I did not open this account nor did I allow anyone to open this account in my name using my personal information. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payment towards this account. I have done everything I can to get this incorrect information off of my credit report such as notifying the company that's reporting this account as well as filing a police report.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (LA)

I was contacted by Ability Recovery Service XXXX XXXX, Wyoming, XXXX XXXX by phone concerning a medical debt from XXXX XXXX XXXX in 2017. When they first contacted me, I explained to them that I am a XXXX Veteran with a service connection rating of 100 percent by the US Department of Veterans Affairs and if they would mail me a statement verifying the debt of {$2000.00} that I would turn it in so the VA could pay it. They demanded that I pay something on it now. I explained to them again that I needed something in writing and updated my mailing address with them so they could mail me a written statement. The person put someone in management on the phone and he eventually told me that they would mail me a statement. After this no statement ever came in the mail and they continued to call me in a harassing manner demanding that I make payments on this debt. I tried explaining again every time they called to mail me a statement. Finally I received a notification from my XXXX  account that they reported this as a negative account to XXXX  and XXXX. I then contacted my credit advisor at XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX and explained what happened and she advised me to file a consumer complaint with FTC. The Department of Veterans Affairs will pay this debt for emergency medical services but they always need written verification of the medical services provided to veterans at civilian hospitals. Also I asked for written verification by mail to avoid identity theft because earlier this year my debit card information was stolen and I had to file reports with FTC and local law enforcement. The actions by Ability Recovery was harassing in nature by the repeated phone calls and vindictive by reporting me to the credit reporting agencies because I was trying to work with them to get this debt paid. Thank you for your assistance on this matter.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.
Consumer complaint received 2022-10-03
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2020-03-05
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. (CO)

I got my credit ran today XX/XX/2020 because I am in the process of refinancing my car, however, I was told that I would be unable to refinance right now because there is an account from XXXX XXXX XXXX in negative standing appearing on my credit report. I did not open this account nor did I allow anyone to open this account in my name using my personal information. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payment towards this account. I have done everything I can to get this incorrect information off of my credit report such as notifying the company that's reporting this account as well as filing a police report.
Consumer complaint received 2020-03-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc. (MI)

I would like to why i have 3 different loans one of are close and there's two are the same and they did not send me a letter that they where taking my whole refund and i dont have {$17000.00} dollars to pay them back so how can i get rid of these loans for good.
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-03-11
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )