davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am an American citizen on unemployment as a direct result of covid. Unemployment monies were went through Bank of America in an account only accessible through ATM. All was fine until I reported fraud on my card. The criminals somehow got my card information and withdrew XXXX dollars in three different locations. I told the customer service/fraud department department I could show where I was when my card started being used through my XXXX maps, also my card was used in 2 different places about 3 hours apart on same day, mine being used in stores to make purchases, the other to withdraw XXXX dollars. Impossible, and told them to look at the cameras, as those 3 charges were not mine, see who it was as it was not me. I have called several times, the bank, unemployment, both sides blame the other, In the meantime, the money I had left in my account is said in a letter not being paid back to me and my account is closed. I received a new card, that is unusable and it seems an account that is supposed to be covered by FDIC insurance is being pocketed by the bank, and not paid to me. Why as a consumer am I having to go through this. This is my ONLY income, and now I am not able to pay my rent, This is a hardship, fo me and my family. I have seen I am not the only customer who was forced to receive their money this way, and not the only person who is hurting financially because of unfair practices! 
On XX/XX/XXXX my account had XXXX dollars withdrawn, and on XX/XX/XXXX, and XX/XX/XXXX my account had 2 withdraws of XXXX dollars each. in 3 different XXXX XXXX  locations.The only result to my action of reporting the theft was to be told, to talk to unemployment and the police. I did both, but it seems no matter what I did on my side to try to work with Bank of America was to get closed out of my own money. In a final attempt to get this fixed I was hung up on by Bank of America employee.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

i have taken a mortgage from HSBC Bank USA to finance aquisition of Apartment in XXXX, i had to come to XXXX and want to sublease the apartment, according to mortgage agreement i need to seek HSBC banks approval to sublet and as per agreement such permission will not be unduly with held, despite my repeated written requests and several phone calls from XXXX to seek this approval HSBC has not granted this approval.
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/2019 I had stereo equipment installed at XXXX XXXX in XXXX, TX using a predatorial loan program they were promoting provided by ACIMA CREDIT. My issue is with the business practices of ACIMA and is meant in no way to accuse XXXX XXXX of any wrongdoing. After a while, I didn't think it was loud enough so I went back to the same place and returned all of the equipment and had better equipment installed. I didn't get any of the equipment back that was initially installed returned to me because that was supposed to be considered a trade-in towards the better equipment. The equipment was switched out on XX/XX/2019. Instead of using the equipment to reduce the cost of the better equipment, they opened a new loan and charged me full price, leaving me still liable for both sets of equipment. I disputed the accounts on my credit report for this exact reason and they just updated my past due amount in order to act like they actually made a change and avoid addressing the actual problem. 

Full disclosure : I haven't completed paying for the second set of equipment either. It was stolen within 24 hours of being installed and I immediately called them to ask if we could work something out so that I could just pay for the equipment but waive all of the interest because I wasn't going to pay the INSANE amount of interest they were charging while I no longer had the equipment. They refused to work anything out with me, so after being shafted with the first account, I just quit paying on both accounts and used the money to replace my stolen equipment.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (GA)

I have disputed a debt that was sold to XXXX XXXX XXXX. I have requested validation of this debt by way of documents containing my signature, as this account does not belong to me. XXXX XXXX XXXX sent bills and advised that this account was sold to them by Sterling Jewelers, with whom I have never had an account. Sterling Jewelers has neglected to send proof of this account 's validity with verifiable documents that bear my signature as proof that I established this account.
Consumer complaint received 2015-04-16
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Pinnacle Asset Management, LLC (NV)

They are calling my work, friends, coworkers and saying they 're garnishing my checks and putting a lien on my home. They are calling everyone multiple times a day and refuse to send me proof of the debt. Also stating tbey served me papers in XX/XX/XXXX, for a debt from XX/XX/XXXX that was discharged.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Like many people, my family and I were impacted financially by Covid 19. In XXXX of 2020 I was forced to close my business because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due on four payments with my Capital One Credit card ending in XXXX. Fortunately, I was able to find a new job and things are starting to get back on track now. Since XXXX of 2020 all of my payments have been on time and I believe that I have demonstrated I am a valuable customer for Capital One. I have reached out to Capital One several times in regards to removing the late payments in 2020 since they were caused by a natural disaster, and I have been given very little information. I have made 13 attempts since XXXX and each attempt ends with me being disconnected or being told that there are no options for me. The Terms and Conditions when setting up my account did not address a natural disaster relative to the same scope as Covid. I also hired XXXX XXXX for 3 months to help me dispute these late payments and have not been successful. I spent several hundred dollars trying to have my credit repaired by experts and help me demonstrate my responsibility. I have been honest with Capital One and I am not asking for anything for free. I have demonstrated 12 months of on-time payments and I am asking for relief due to this pandemic. I take great pride in my credit as it was nearly XXXX prior to the financial impact of Covid 19. I am requesting that Capital One remove late payments from XXXX, XXXX, XXXX and XXXX of 2020 for my Credit Card ending in XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless up until the Pandemic. Thank you for your consideration.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

I Have called XXXX XXXX and XXXX and disputed in writing regular inquiries promotional inquiries and supplemental credit and checking account XXXX. all be removed from the credit reports. The following are the worst items. XXXX XXXX is incorrect with a balance of XXXX incurred in XXXX Yet the next line show that I have an exceptional payment status. Then next line says the account is closed. Ironically I have asked XXXX to show me what the original loan balance was and they did not respond. It is not reflected on the report. and I was unaware that state social and health departments gave out personal finance loans. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX cooperative all are reporting negative and in accurate and disputed data. The next credit agency XXXX shows the same delinquent, closed, and paid account from XXXX XXXX the account number is XXXX for {$9100.00}, next XXXX XXXX with an account number XXXX shows a XXXX balance. The account is closed, yet it says I still owe {$990.00} and its open. XXXX XXXX bill for XXXX for {$54.00} in the account XXXX has also been paid and still reflects a negative balance. XXXX and XXXX  show that nothing is owed nothing is revolving and I have no open accounts with an exception of one account for {$330.00} from the XXXX credit report. XXXX  shows that I have a total debt amount of {$54.00}. XXXX XXXXXXXX dollars and XXXX XXXX a debt over {$12000.00}. This is not accurate clearly. I asked that all these items be taken off and removed one way or another from my reports. Next on XXXX Ive apparently had over 72 inquiries also inaccurate. I have a similar number also with XXXX, yet only 25 inquiries with XXXX. All of this information is false, inaccurate, fudged, incorrect, and detrimental. I have asked repeatedly with both the creditor and perspective credit companies to show proof. Not a single document verifying or even asserting to the debt was returned. I asked and disputed and requested That all these inaccurate anomalous blemishes be removed from the various reports perspectively. I must reiterate however the very worst revolving accounts that should not be there or XXXX with an account number of XXXX and in the amount of XXXX dollars XXXX XXXX  with an amount of XXXX Dollars Via JP Morgan Chase also XXXX With a steel revolving balance of {$330.00} this will be supported via documentation.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC (OR)

I'm trying to buy a home this year and I found out about a XXXX debt of XXXX dollars that I'm trying to settle. I have tried calling over 50 times and sent an email with my information so they could reach out to me and nothing. The company is Waypoint Resource and the only phone # I can find is XXXX XXXX XXXX XXXX and I cant get through to them. 

I am trying very hard to better my credit and its unacceptable that this company is failing to do their job and even be contacted to do their job. I have the money to settle, this is needed to move forward to get pre approved for my mortgage and I didn't even this was affecting my credit negatively. If you could please assist me with moving forward and settling this debt I would be very appreciative. 

XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (DE)

This is a continue case to solve for Wells Fargo ; move information needs to be given : My credit is on the line due to you not doing the right thing. I have sent you information pleading my case which is a nightmare. and of no fault of mine i have no choice but, to continue asking for an explanation why you are not taking this {$83.00} off my credit and continue making this a nighmae and destroying my life by destoring my credit, As I continue telling you that I was under XXXX care and completely loss my XXXX have to go under three XXXX. my home, my care, my bills, nurses care was in control. 
while I was totally adapping to my life fighting for my XXXX i was robbed my home, my bank accounts my credit cards, my check book bank permission was only supposed to pay my bills. The home help card used my credit cards and paid money on my wells Frago account, and used my credit cards without my permission. Your bank would have never been pick up as fraud if you didn't close out my account to automatic take out payments. so again I'm asking you to honor the XXXX dollars and remove me out of this charge off. I was not able to read your notice stating that you closed my account i believed because of the low balance. 

remember that your bank falsly open accounts in my name and also another address. Just trying to get {$83.00} off an charge off is crazy especially since you gave me a fee because of my troubles. this dispute has been going on for several years. I have recover more horrible news and becoming sick each time you are making me go to look up information to plead my case!. Cancel because of a closed account that was stopped because you bank had accounts in my name that never opened. I was afraid to trust your bank again. 

2. accounts open at my second home address please indicate where the money is that is suppose to have been deposit in my accounts 3 '. possible credit alet. 

if you can see this is very hard to understand. why this bank is doing this for XXXX dollars my credit card was used and paid for by an automatic payment and a care taker please explain why you are not accepting my claim. and please state that you fully know that this credit card was being used and paid for why a care taker only had permission to pay bills, you are indicating that you are not accepting this claim because my bills were being paid. the police gave me a police report and why you are not accepting the police report. you also had an report by the insurance company for thief I need this in writing to be able to dispute to the next level.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KS)

On XX/XX/XXXX I opened a new checking/savings account with Citi Bank. I made an initial deposit to the account on that date and set up direct deposit through my employer who started making deposits every Friday. I then received my stimulus check and deposited it to my account on XX/XX/2021. On XX/XX/2021 I attempted to pay for my medication that I am required to take daily to keep me alive and my debit card was declined. I called Citi Bank and was advised there was a fraud concern on the account and that it was being reviewed by a " back-office team '' that can not be reached via phone and I would just have to wait 24-48 business hours for a response. It is now XX/XX/2021 and they still have not communicated with me, gave me access to my funds which total {$670.00} and keep giving me a different answer everytime I call. I have been calling 2 or more times a day trying to get access to my money and keep being told to call back in 24-48 hours. I have not been able to eat, or get my medication in 8 days and can not get any help from the bank or answers. They did not notify me my account was being blocked and just locked the account, will not tell me why it was locked, or are willing to help find a solution. I have taken it to social media to which their online team said " I am sorry we can not help you just keep waiting ''. They have also locked me out of my online access so I am not able to even see if my money is still in my account.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. MACYS/XXXX Inquired on XX/XX/2020, XXXX  XXXX XXXX Inquired on XXXX XXXX  2020, RESIDENT VERIFY Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX {$18000.00} Date Opened XX/XX/XXXX, XXXX This account is over 7 years old and should be removed from my credit. 

XXXX XXXX {$25000.00} Date Opened XX/XX/XXXX, XXXX This account was opened fraudulently and i have also spoken with the company and they agreed tp remove it. Its also almost 7 years old. 

XXXX XXXX XXXX {$26000.00} Date Opened XX/XX/2016 This account was not opend in XX/XX/2016. These dates are completely incorrect and this debt was settled.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NV)

ON XX/XX/2021 I was on a recorded line and I was told if I paid the full amount I would receive a deletion letter, I asked more than 5 times on a recorded line and it was never sent. I called back almost every other day to get this, I was hung up on and told they could not give me the recordings. 

Convergent Outsourcing # XXXX was showing on the report here is the information I have on the account Account # XXXX Phone number I called to handle this was XXXX
Consumer complaint received 2021-02-18
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)

I was alerted through my XXXX account on XX/XX/21 of a {$3000.00} ACH Transfer that occurred via my Bank of America Credit Card on XX/XX/21. I contacted Bank of America 's fraud services on XX/XX/21 to understand what the charge was and to dispute it. the woman I spoke with was unsure what the charge was, but said she would open a fraud investigation and someone would call me back in 48-72 hours. When I did not hear back from Bank of America, I called them again on XX/XX/21 to find out what the status was. After being transferred to several departments, I spoke to a gentleman that told me someone impersonating me had called Bank of America and asked for a partial refund that I had made when paying off my monthly credit card statement. When I told him that was not me and that I wanted more details on how that would happen, he said that he did not see an active investigation opened and that he would open one for me. He also asked me why my credit card was not closed and a new one issues when I called on XX/XX/21, but I didn't know the answer to that. He then closed that account, re-issued a card, and told me that someone would be in touch in 1-2 weeks. I called Bank of America again on XX/XX/21 and the woman on the phone told me that she did not have an update, but she would check with her manager on next steps. Once she connected with her Manager, she came back on the line and told me that Bank of America would only follow up with me via mail and I should expect that in 10 business days from the day my inquiry was opened ( which they state was XX/XX/21 even though I originally called on XX/XX/21 ). As of today, XX/XX/21, I still have not received any calls back from Bank of America, I have not received a letter in the mail, nor has the money been credited back to my account. I would like this resolved Immediately as this has been dragged on for too long and Bank of America doesn't show any compassion with my case.
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While checking my latest credit report, I have noticed several credit inquiries from XXXX and XXXX of 2020 which were never authorized by me and I have never applied for these accounts.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX the Bank of America Vice-President of Credit and Resolution, XXXX, California has repeatedly physically threatened us that either we pay the full monthly car loan amount of {$770.00} rather than the {$500.00} which is all we can pay because the novel coronavirus makes it impossible for us as senior citizens of advancing years with very serious health problems indeed or the Bank of America shall take physical action against us! Come to our home " in the middle of the night '' and physically assault us if necessary, that is the implication, if we stand peaceably by our car so that the Bank of America not take it away! A car that we need in order to visit our respective physicians! 

XXXX. and MrsXXXX XXXX XXXX and XXXX XXXX XXXX PS : The CFPB does absolutely nothing to help us despite ten ( 10 ) previously complaints by us about the Bank of America. 

You are apparently a toothless lot or a lot lacking in moral courage to say the least!
Consumer complaint received 2021-02-19
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: GLA Collection Company, Inc. (CA)

On XXXX. XXXX, 2017, GLA COLLECTION COMPA add a derogatory XXXX on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-02-19
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. (CA)

I was denied employment with XXXX XXXX  XXXX XXXX  in XX/XX/XXXX for a position as a agent due to the incorrect credit reporting information from on the credit bureaus. I have multiple write offs from multiple lenders and that should have been taken care of XX/XX/XXXX. This date is when I was working through a credit agency that sent multiple disputes to clear many inaccuracies of the reporting charge-offs. Due to covid I was denied many jobs and housing ( denied mortgage ). The information being reported is incorrect as far as dates and account information. How should I go about remedy this situation? 

God bless!