davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CO)

Again have n't answered my question.. 
Are you connected to Banko Santander that failed the Federal Reserve stress test? 
Are you the company that lost a class action suit for repossessing american soldiers autos when they were XXXX? 
Are you the company who lost a class action suit in regard to securities? I have made a XX/XX/XXXX payment for monthly payment partial payment and late fees ... please applt appropiatly ie ... DO Not apply partial /late fees to interest want to know how many loan companies you have in U.S.A .
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2023 I was the victim of online fraud where Bank of America ( BoA ) allowed the opening of joined fraudulent accounts and somebody was able to transfer $ XXXX from my saving and checking accounts to the newly opened fraudulent account and then to another account. See CFPB complaint XXXX. 
On XX/XX/2023 the stolen funds were transferred back to my accounts but since my saving and checking accounts were blocked I have no way to transfer these funds to my newly opened, non-compromised accounts. 
On XX/XX/2023 I visited the local BoA branch office in XXXX, XXXX  to unblock my accounts and to transfer the funds to the new accounts. A local BoA associate called the BoA customer service number and per the associate on the phone there were XXXX blocks on my accounts and she could remove only XXXX of them. I was assured that by calling XXXX on Monday I could easily remove the XXXX  block on my accounts to finally transfer the funds to my new accounts. 
On Monday, XX/XX/2023 I called BoA at XXXX where the first associate I was connected to was not able to help. After connection to a second associate she explained to me that I need to call Digital Fraud and she would connect me to this department. The number she gave me was XXXX. After about XXXX minutes of waiting the line disconnected. 
On Wednesday, XX/XX/2023 I called BoA at XXXX and was connected to an associate who informed me that he cant help and that I should visit a local branch office for support. 
On Saturday, XX/XX/2023 I visited the local BoA branch office in XXXX, XXXX. There seemed to be visible uneasiness to deal with my case. A female associate mentioned to me that this is more complicated and I was placed with another associate in XXXX of their customer offices. This associate explained to me that the online fraud department is closed today and that I should come back on Monday. 
I am at a loss since I have no line of sight to access my funds after XXXX week of dealing with BoA. There seems to be no defined process nor properly trained BoA associates to support my case. I also have no reason to believe that they suddenly will be able to help me on Monday. It is astonishing to me that this all started with sending me emails and messages of potential fraudulent activities on XX/XX/2023 with immediate reaction from my side and still BoA allowed the immediate transfer of funds from my accounts. 
It appears to me that I simply have no rights to my funds.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (CA)

I have using, XXXX XXXX XXXX XXXX XXXX dba Ria Financial Services, Ria Money Transfer. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel : XXXX ( XXXX ) XXXX Fax : XXXX ( XXXX ) XXXX ) for many years. However this time I tried to send money to XXXX three times again and the transactions where stopped completely. I called Ria Money several times and the answer was that I have to wait. In the past the money was transferred within hours.

I used money transferred to a bank account and to pick up the money in a financial institution. None of them worked. I have to cancel three transactions, each transaction is close to {$1.00} dollars for a more that {$4.00} I have to wait more than 10 business days to get my money back. That company is working with my money, and I do not have money for my holidays. I called Ria Money again today four times and three of them Ria Money customer service department hung up on me. 
I do not think this is right and they need to be investigated.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I have been a Chase customer for a long time, with a checking and savings and also the credit card in question. I believe my apr was somewhere in between 8-10 %, which I will never be able to get such a low interest rate like that again, so it's especially upsetting that this card was closed by Chase. A bit of backstory is necessary here in order to understand why this occurred : I have been on SSI for approximately 24 years and a financial review was done on my case and they falsely attributed more money than I actually had and they stopped my payments. Long story short, although it's been 9 months and I've furnished all the information they've requested, they still have not returned me to pay status, nor have they paid me while waiting on appeal which they were supposed to, so I have had no money and my automatic payment to my XXXX card bounced in my Chase checking account, even though I called XXXX ahead of time and asked them to take me off of auto pay and which they agreed to do, somehow it went through anyway. So this set off a chain reaction whereby I had a negative {$150.00} balance in that checking. Also the unpaid XXXX card combined with that must have lowered my credit score enough to trigger an automatic closing of my Chase card when it was time for a review. I had just paid a total of {$600.00} on that card ( borrowed from my Mom ) so that i could use the card to pay my rent. They didn't care! They were absolutely cold-blooded when I called them in tears and inquired why this was happening. I had never even been late with a payment ... .yes i carried a high balance, but just a couple of years ago I paid off {$3000.00} of my balance, so I have made progress at times. I had no idea that they could just close one 's card when the account was in good standing! Needless to say it caused me extreme hardship since I was unable to pay my rent, and I was already extremely stressed over losing my SSI benefits, which was what caused me to be in this dilemma in the first place. Now XXXX card has closed my account as well, and my APR on that was 10 % so I am really dismayed and depressed over losing it as well. Now I have no credit cards whatsoever, and there's no way I will ever sign up for the offers i get in the mail these days ... ... .APR of 29 % and the like. If anyone can help me with what I feel was an unfair and unwarranted closure of my Chase credit card, I would so appreciate it. Also, Chase also closed my checking and savings accounts as well.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (NY)

I have unauthorized accounts on my report. I would like to get it removed if you can not provide proof such signature that i provide these account. According to the FCRA Any inaccurate account that is not 100 % verifiable or accurate must be removed. Please remove immediately.
Consumer complaint received 2023-02-03
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. (MI)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (NC)

Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXX XXXX XXXX XXXX Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying for several months now to repair my credit and my letters sent to the credit bureaus have been ignored. 

My credit report reflects many accounts that are being reported incorrectly, such as last date of activity, late payments, balances. I have the right to a fair credit, to be correctly reported in the 3 credit bureaus
Consumer complaint received 2023-01-17
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. (MD)

XXXX XXXX Account # XXXX Date Last XXXX Last Reported : XX/XX/2022 Cease and desist This account does not belong to me nor do I have any knowledge of this account This account does not reflect on any of my other credit bureau reports if need be will seek legal action In case my personal information has been compromised and fraudulently used, I am formally requesting any document authorizing use of my identity or information.
Consumer complaint received 2015-11-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Bank, is currently holding roughly {$2500.00} from me for about 1 year now. They told me they were holding my money because XXXX checks I deposited did not match. These checks were written and signed by my mother. My mom is willing to do whatever it takes to have this resolved as they are holding {$2500.00} from me which I could be using for college tuition. Wells Fargo then closed all my accounts with them. My dad was a joint owner on the account as to I was only XXXX at opening. Both mine and his name are black listed at this bank. 
The checks were cashed by Wells Fargo, and they were cleared by the bank they were written from XXXX.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC (CA)

FBC Mortgage purchase an insurance using my escrow account money without my permission.

My previous lender sold my loan to FBC Mortgage on XX/XX/XXXX. When this loan was transferred, I did have an active insurance policy, which covers from XX/XX/XXXX to XX/XX/XXXX. This insurance policy covers sufficiently already. There is not much difference within the two policies. The new policy is just more expensive. 

Moreover, FBC Mortgage asked me to cancel my old policy. I want to stay with my choice of insurance policy. I have tried to contact FBC Mortgage and the insurance agent XXXX. There is no one answers the phone or replies the emails. 

I have looked the website and people are saying FBC Mortgage can get kickbacks from insurance agent by doing this. This is illegal.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

Obtained a zero interest promotional from Rooms To Go serviced by Synchrony Bank. I have incurred late fees and interest charges every month since the inception of the loan despite regular early and timely payments. I have had to spend between 45 minutes to an hour and a half every month to have the charges reversed. Based on my numerous discussions with customer service representatives, the fees occur due to the " timing '' of the payment processing and their systemic limitations to process early payments. In order to avoid fees I have doubled payments in some months, changed my bill submission dates.. etc ... I am unable to avoid the fees no matter what I do unless I call in and escalate to multiple supervisors. I simply do not have the time to dedicate to reversing the fees every month. This month I have a balance of more than 10 % of the original loan value. I do not know if they will waive it. I have grown fatigued with calling in every month.
Consumer complaint received 2023-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I reported at least {$20000.00} in fraudulent charges to my XXXX issued by Bank of America. These charges have yet to be resolved and negative reports have been sent to credit agencies. 

I have written and called the bank every month requesting the fraudulent changes be credited to my account, late fees reversed and credit agency reports be corrected. the bank has failed to take appropriate action each and every time. 

XXXX XXXX XXXX today, XX/XX/XXXX in a telephone call, I was told Bank of America 's employee XXXX XXXX XXXX that the bank had not coded all charges as fraudulent. This contradicts the bank 's most recent statement.. After coding all charges as fraudulent during the call, XXXX confirmed the account balance is XXXX. Nonetheless and worse still, XXXX then insisted that I pay " something '' to the bank since the " account is past due. '' She made this specific claim on the phone XXXX XXXX I was unable to convince her that since I owe the bank nothing -- I haven't used the card since fraudulent charges were made XXXX XXXX XXXX  -- there could be no late charges. She continued to say, " You must pay the bank something. ''
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: Experian Information Solutions Inc. (NC)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I did receive XXXX dollars from bofa but the claim was for XXXX its the same claim but the XXXX was wrote up with different claim number the sheriff did that please co tact me at XXXX or XXXX I already made a complaint before.
Consumer complaint received 2023-02-01
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-02-01
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. (NJ)

I ordered a copy of my report 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (IL)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, account or inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I have a Chase Freedom XXXX credit card. On XX/XX/XXXX, I booked 2 flights using their travel purchase portal. Trip IDs are 1 ) XXXX and 2 ) XXXX. Unfortunately, I broke 2 ligaments in my right foot because of which the doctor told me that I can not travel. So, I contacted Chase regarding this on XX/XX/XXXX. The customer care lady told me that since I made payments using my reward points, I will get the points back. However, I never got them back. 

Today, on XX/XX/XXXX, I called them back and none of them acknowledged this. They kept forwarding me to different departments and kept me on hold for over 5 hours ; without resolving the issue. They kept on re-iterating their standard refund policy that comes with the card and that I already knew about ; the 2 options being : 1 ) either file a claim online or 2 ) get airline credit that I will have to use in a year plus a rebooking fee of XXXX $ per trip ( making the credits essentially useless ). 

However, they were not able to help me with getting the reward points back which to me is the most convenient option.