davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Thursday XX/XX/2020 at approximately XXXX I received a call from Bank of America attempting to verify a login attempt, I did not verify if over the phone, hung up and proceeded to check my account. I noticed two fraudulent XXXX transfers from my account totaling about {$1800.00} that were still being processed, I immediately called Bank of America and filed a fraud claim. My old account was locked down and a new checking account was opened where the pre-fraud balance of my old account was transferred over to by Bank of America. I was told that within 10 days I should recieve an initial decision by Bank of America about the fraud and that I would be able to call and have my direct deposit paycheck which was going to be deposited the next day ( XX/XX/2020 ) transferred over to the new account as well. I called the numbered provided by Bank of America on XX/XX/2020 looking to transfer my paycheck over to the new account from the locked account and was told since Bank of America had transferred all of the pre-fraud balance over to the new account the old account had become overdrawn due to the fraudulent charges and I would not be able to get my paycheck funds as they went towards the negative balance, I was told that I would need to wait for the 10 day mark at which point Bank of America would make an initial decision about the fraud and either reimburse me the fraud amount and continue investigation or deny my claim. Today XX/XX/2020 I called Bank of America again to check on the status of the claim as it was well past the 10 business day mark for them to make an initial decision and I had not received any correspondence in any way from Bank of America, in the call I was told that evidently an email had been sent to me on XX/XX/2020 stating that Bank of America had denied my claim since an authentication text had been sent to me and used. I do not remember receiving any such text and when I asked what options were available to me I was told the only thing that could be done was have a request for revision of the case which would essentially be just another claim but with a different analyst and would take another two weeks to have anything done. I have checked every folder on my email account and have no evidence of this email and am overall very dissatisfied with the way Bank of America has handled this fraud claim as I did everything in my power to refute the fraudulent charges and yet Bank of America has done nothing nor do they seem to care.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (GA)

In XXXX I was a victim of identity theft for the first time my ID, Social security card was taken. Numerous accounts ( banking and other ). Also in XXXX it was stolen again. This has been an ongoing process which seems to feel like no resolution. I have police reports as well as other documentation. 

XXXX  XXXX XXXX ( Deposit Accts ) XXXX XXXX ( DEPOSIT ACCT ) XXXX XXXX ( DEPOSIT ACCT ) Discover Bank ( Credit Card ) XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX ( XXXX XXXX ) {$220.00} XXXX XXXX ( XXXX XXXX ) {$2300.00} XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX  ) {$3300.00} XXXX XXXX ( XXXX XXXX XXXX ) {$80.00}
Consumer complaint received 2020-04-13
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. (MO)

I attempted to submit a dispute online and was unable to be " verified '' to submit the dispute and attempted to call and was unable to reach a live person. The date is XX/XX/XXXX. Transunion credit report lists a delinquent debt with XXXX-XXXX XXXX. It states in Remarks " Full Termination/XXXX XXXX  ''. However, in pay status, it states : Current Account ''. Further, the lease terminated in XX/XX/XXXX ( and the summary states, " Last Payment Made : XX/XX/XXXX '' ) yet the summary of payments show green as if paid from XXXX. There are several issues. This account is listed as paid and terminated ( with no balance owed ) on my XXXX  Credit Report, which is accurate. I do not owe a balance on this account. In addition, there has been no activity on this account for over 13 years. Even if there was a balance ( which there is not ), this should not be listed as a negative on my credit report any longer.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

Between XX/XX/XXXX and XX/XX/XXXX I reacehed ot to Shellpoint Mortgage Via telephone and online for help with my Mortgage note during theis time of the state of emergency, during covid 19. Not at anytime was I able to spreak with anyone on the telephone. On Saturday.XX/XX/XXXXI received a letter from Shellpoing informing me if I needed help with my Mortgage payment too reach out a HUD approved counselor for help with my mortgage payment ( Which I did ). The HUD counselor called my lender for help she waited on hold for almost 2 hours nobody cale to the phone. I explained to her i have been going through this with my Mortgage company since XXXX, nobody comes to the phone or they keep you on hold for 2 hours wgere you hangout. Now what I dont't understand is we issued a stay at home order where people can't work but mortgage companies wont answer or help you. Next time a state of emergency happens and people won't stay home this is why. II bet you these same companies will be asking for a hand out, when the time comes. Now My hud counselor was aweome and tried so hard to help me. She also told me she has never had a mortgage company not answer the phone. The HUD number I called was XXXX. I explained to the HUD counselor the number my Mortgage company gave me to call was XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have reviewed my XXXX  credit bureau report on XX/XX/XXXX. The report shows a late payment was made on Bank of America Visa signature card for the month of XXXX. 

I like most consumers have been affected by Covid 19 global Pandemic and ensuing economic slowdown. Our business was effected and in short my payment for XXXX was also late. As such I requested assistance from Bank of America. They were unwilling to offer me any assistance with regard to late reporting. As my business has recently bounced back I was able to pay off some of credit cards, and I would like the account as either flagged as being effected by the natural disaster or be in a position to be considered an account in good standing. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Regarding : Comenity Bank - XXXX XXXX credit card account ending in XXXX Subject : Incorrect Credit Bureau Reporting for XX/XX/2019 Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Texas XXXX Phone Number : ( XXXX ) XXXX Account information dispute : This one late payment ( I believe it was a combination of being a day late and processed untimely by Comenity Bank per their admission hence the late fee reimbursement that month ) is the only blemish on my otherwise perfect credit history and is causing problems with my current mortgage refinance. I placed numerous courtesy requests with the Comenity Bank Customer Care Team to reconsider this negative reporting for XX/XX/2019. I truly believe they refuse to do their due diligence to see why they reported this payment as late.
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I never received my monthly bill for the month of XXXX. I called to have the paper statement mailed to me. By the time I got the statement I owed a late fee and interest fees.I called again asking them to waive the fees and they refused. I then wrote them a letter and they ignored it.
Consumer complaint received 2024-02-21
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-06-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation (MN)

False advertisement of loan, was approved for an unsecured loan of {$10000.00} and later was switched to a secured loan after pulling my credit and dropping my score. Was called at all hours of the day and night including as early as XXXX and the company used very misleading, misguiding and aggressive sales tactics. After informing a representative of OneMain Financial at the XXXX XXXX, MN location, I was not interested in the loan, I was called broke, was told I have bad credit and I do not own a vehicle because it doesnt show up on my credit report. A vehicle that was never financed or lease does not show up on a credit report. Also, They pulled a XXXX score of nearly XXXX and I sent income verification of making {$250000.00} a year. After declining the loan and being called inappropriate, unprofessional terms, the representative of the company laughed at me and hung up on me mid-sentence. Then proceeded to call my place of employment and hang up when someone would answer, they did this numerous amounts of times and would not answer the phone when calling back. This company is unprofessional, rude and is harassing me.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: M&T BANK CORPORATION (NY)

Am Trying to Open a Credit Card Account With M & T BANK And For Some Reason My Credit Card Application Was Place On HOLD And Additional Information Needs to Be Verify There where 3 Inquiry On My XXXX and XXXX and XXXX And My Credit Card Application Is Still On HOLD And Every time I Contact : XXXX I Give My Credit Refrence Number : XXXX to the Agent at the XXXX and They Tell Me that My Application is Being Handle By a Person For Further Review and this Person Who is Reviewing My Credit Card Application Has Not Call Me or Contact me Plus a Message was Given to the Agent and the Person Who is In Charge of My Account From M & T BANK HAS NOT CALL ME YET And I want to know if I was Approved or not For The Credit Card and What Happen..
Consumer complaint received 2022-12-14
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update these accounts immediately. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}
Consumer complaint received 2020-04-13
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. (NC)

I discovered unauthorized XXXX charges on my card in XX/XX/2020. Citicard notified me via email of suspicious activity within around 2 days of the charges occurring. I reported the charges as fraudulent within an hour of receiving this email notification. During this time several XXXX charges were made to my card. I disputed these charges with Citi and advised them that I have never used XXXX. I have spent hours talking with Citi for the last 3 months and they have not been able to resolve this dispute for all XXXX charges. They have been working on this but every time I talk with someone they don't have the authority to help me and need to get a supervisor. It is like they are reading from a card or script when helping me. I have paid my statement balance for the last few months minus the XXXX charges. I have now cancelled my card with them but I do not feel it is fair to make me pay for fraudulent charges. 

CitiCard XXXX Trip - XX/XX/2020 - {$55.00}
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (MS)

The American Express Serve Card system has been down sinceXX/XX/2020. I am not able to log on the mobile app or from a desktop.  The error message is that the system is down for routine maintenance. I never received a email or notice regarding this routine maintenance. Next I tried to call the customer service number ( XXXX ) XXXX. It gave me a busy signal. With repeated calling I once got a recording saying long wait times. I left my phone on speak and hung up when it got to one hour. I am not able to find any other way to get in contact with them. 
My COVID-19 stimulus direct deposit was sent from the IRS on XX/XX/2020. It is not showing in the account. 
Im a XXXX  XXXX  and in need of the funds. Please address this issue as soon as possible.
Consumer complaint received 2020-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc. (CA)

The responses by Delta Management Associates to complaints filed on the CFPB website do not match the responses given by XXXX XXXX ( XXXX XXXX ) during a recorded phone conversation made by both parties on XX/XX/2020. 

Ms XXXX said the XX/XX/2020, garnishment would be refunded per the CARES Act. This information differs from the statement made by Delta Management to my CFPB complaints XXXX, XXXX, and XXXX. 

Delta Management has previously stated in response to my complaints that the wage garnishment on XX/XX/2020, would not be refunded. However, Ms XXXX stated during our phone call that the information provided by Delta in the complaint was incorrect. 

Ms XXXX stated the wage garnishment on XX/XX/2020, would be refunded. Which answer is correct? The answer provided by Ms XXXX or the XXXX who responds to the complaints? 

Delta Management claims to have sent a letter to my employer on XX/XX/2020, but my employer has not yet received the letter as of XX/XX/2020. Delta Management is unable to provide proof of delivery. Delta faxed and emailed the letter only after a complaint was filed. 

Furthermore, in regards to my garnishment appeal via XXXX, Ms XXXX stated that my garnishment should have been reduced to {$5.00} per pay period, since XXXX had found my financial situation qualified for the lower monthly garnishment. 

Ms XXXX comment confirms my previous complaint that XXXX and Delta do not take financial status into consideration and only use the maximum 15 % allowed under the law. 

In addition, Delta Management did not inform me that I had to contact them to request the wage garnishment freeze nor did they make mention of this in previous complain responses. This differs from information provided by Ms XXXX. 

Information provided by Delta Management in their complaint responses is not congruent with the information provided by Ms XXXX.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX  account XXXX does not belong to me.