davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WV)

Not certain if this is the correct form. It fell between categories. 

Experion, though their boost program, is supposed to help you raise your credit score by linking to your accounts then reporting your payments. They lied, it's a scam. 

In my about 20 days as a member, I have had nothing but problems with them staying connected. They haven't reported anything like they're supposed to. They keep 'losing ' or 'disconnecting ' one of my accounts to the point where it locked up my original account with that provider. I have been disconnected at least 10 times, I quit counting after the day it happened four times in as many hours.

When I contacted them about that, they sent me some automated response about how they weren't connected to every bank yet and they'd look into it. Which they did not since by the next morning I had to reconnect that same account. 

They *claimed* it's on the other end, that the bank updated their security or you changed your password the second and third time I tried to contact them about this issue. Neither of which is true. The one time I had to change my password - because logging in to reconnect locked that account - I did finally get it to reconnect for all of XXXX hours. Then it was lost again. They have made no effort to report anything on that account either. They claim they need at least 3 months of payments when I asked customer support about that. I have 8 years of payments on there. Not a single one has shown up as reported. 

They also say they can link into another credit account of mine and supposedly, somehow, can't connect to it for those same 20 days. 

They also try to sell you on signing up for various credit cards, which will end up hurting your credit score so you need them even more, and you can not unsubscribe from those emails. I have tried, three times, and it will not take the unsubscribe. I have connected them on both matters. Their customer support is vaguely hostile with the way they do not pay any attention to anything you've written to them. I'm not sure if it's one of the automated responses or not but I get form letters about nothing relevant.

In the last day and a half I have exchanged seven emails with them about the connectivity issue. It should be easy to fix on their end. I have gotten what looks like automated responses about everything *but* what I've written to them about. Their phone customer service has nothing to do with boost, they're just there to ask about things in your credit report.
Consumer complaint received 2022-05-27
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. (VA)

I have 5 employer listings that are completely wrong and need to be deleted and one account that does not belong to me and one account I was never late on and one account that is marked as a charge off which is false, I fully expect these items to be deleted
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (SC)

I am displeased with PNC 's response to dispute # XXXX as the information provided by PNC is incorrect. It took PNC several weeks ( fromXX/XX/XXXX until XX/XX/XXXX ) to " produce '' this document that I had never seen before or ever received. Nor was it sent certified mail or tracking to verify receipt. Additional, PNC was only able to " produce '' this document after I reported them to the CFPB. Even after the compliant was filed, it took them almost a month to " produce '' this document. 

Additionally, I have located the original approval letters from PNC showing I was indeed granted a COVID Relief Hardship Deferral onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This disproves their document from XX/XX/XXXX and further substantiates my complaint.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I reached out to the XXXX XXXX XXXX and Bank of America charging me for Maintenance fees in the market {$10.00} when I had Have a substantial amount of money to code the maintenance fee call Bank of America rules I had {$500.00} deposited into my account that month and my bank fee should have been waved The bank account that I have has no fees as well as to my understanding and Bank of America refuses to refund the {$9.00} taken out of my account on XX/XX/XXXX XXXX I will see that response from Bank of America pause XXXX XXXX is planning that they need a more time and as of XX/XX/XXXX I have not yet heard anything or have had any resolution to this issue
Consumer complaint received 2022-05-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

On XX/XX/XXXX my home equity loan was sold by XXXX XXXX to Rushmore Loan Management Service ( " Rushmore '' ). The amount owed was paid in full on/or before XXXX, XXXX. As a matter of fact, the amount was overpaid and Rushmore refunded the difference. On XX/XX/XXXX, Rushmore sent correspondence requesting a payoff fee {$200.00} to close the loan and cancel the lien.

Your attention to this matter will be greatly appreciated. Please advise.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had autopay schedule for the years I have been with bank of america. I checked my account and noticed I was charged a late fee for no payment. I called to inform them that I had autopay scheduled and that it was in error, and they told me that it was my responsibility no matter and that the fee was valid even if the autopay did not work. I find this reprehensible and demand that they reimburse me the fee, and take off any negative comment from my credit score. XXXX, from Texas assisted me. The statement was paid off 2 days after the due date.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit Inquires on my credit report validate my rights as a federal consumer under 15 U.S. C 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

It first occured on around XX/XX/XXXX, i fell victim to a multilayered XXXX hijacking operation orchestrated by a sophisticated con-artist ( the Scammer ), who hacked my computer to Connect my Coinbase XXXX. 

I did not authorize the COINBASE TRANSACTIONS. 
I was not the one making them. 

I lost XXXX ETH
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (SC)

I have an account with crypto.com that I keep aout XXXX USD in. They charged me XXXX to ship a debit card I did not want. It has been over a month since they charged for the debit card and they never shipped it. I requested a refund for the XXXX USD fee since they never shipped. They refuse to issue a refund. 

Come to find out policy does not require one to order a new card and the CEO has since suspended the fee for debit cards going forward. However they will not refund the XXXX USD for my account.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

My primary home mortgage is with Truist Bank. I have been a borrower in good standing never been late on my payment for a long time now. Around XX/XX/XXXX I requested to have my escrow removed. I then called to follow up on XX/XX/XXXX and was told by a representative over the phone that my escrow can not be removed due to a negative balance of {$710.00}. I proceeded to pay off this balance right away over the phone, and I see it has been posted on my account. I was assured by the rep that after paying the negative amount, the escrow can be removed. Until today ( XX/XX/XXXX ) my escrow has not been removed and the amount of payment due has not been changed. I called on XX/XX/XXXX, the rep told me they are still processing my request and it should be processed by XX/XX/XXXX. I called on XX/XX/XXXX, and the rep XXXX does not see any notes about the request to remove escrow, puts me on hold several times, and then informs me that " my request will be processed on XX/XX/XXXX ''. Even if the request was not processed yet, the new amount due should be updated due to me paying off the negative balance. Overall, terrible customer service. Each rep provides different information.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a " Money Market Savings Account '' with Bank of America. When I go online to the account info for this specific account, there is a link to " View fee schedule '' which takes me to a PDF outlining the fees. Note, this PDF is listed under the account info for this particular Money Market savings account, not somewhere else generically on the BoA website. When I review the PDF with account fees, it lists a variety of savings and checking account options and their associated fees. None of them has a name that exactly matches up with mine ( Money Market Savings ) but I reviewed all the accounts listed and saw that for all the possible accounts, I should be able to avoid fees if I keep a balance over {$1500.00}. With this information, I made a transfer out of my saving account that kept me above {$1500.00} but then I started to get $ XXXX/month fees! After many phone calls, it turns out that I have a " grandfathered '' in account that was not listed on the PDF ( and this PDF is posted under the account info ) and my account actually has a lower limit of {$2500.00}! But there was no way to know this from the information listed online, and instead the link to " View fee schedule '' provided me with incorrect information which led me to believe that the lower limit was {$1500.00}, not {$2500.00}. After many much arguing with Bank of America, they have refunded my fees. However, this seems like a systematic problem that must be fixed for other customers. The customers must be able to get the correct fee information about their account and especially must not be given incorrect information on their account pages.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

On or about XX/XX/2022, I was notified by my credit reporting service that Mitchell D. Bluhm & Associates , LLC ( XXXX ) had placed a collections notice in my credit file. According to the reporting service, the original creditor was XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have never had a relationship with or received services from either of these entities. In addition, I never received a letter from XXXX notifying me of the debt and did not have the chance to dispute it prior to it going into collections. 

Based on this, I disputed the collection with the credit reporting agencies. I also sent a debt verification letter to XXXX requesting information regarding the alleged debt and requesting that the only communicate with me in writing ( as is my right under law ). Despite that, a representative from their office contacted me on XX/XX/2022 to attempt to collect the debt. When I informed her that I had received no correspondence from XXXX, she said they had sent letters in XXXX to an address that I hadn't had in almost 7 years. Since my forwarding order for that address had expired almost 6 years ago, it is likely that correspondence was returned as " undeliverable ''. It's clear that XXXX made no futher effort to obtain my correct address ( which is readily ) available and proceeded to file a collection with taking reasonable steps to contact me in writing and allow me an opportunity to dispute the alleged debt and receive more information about it. 

Given I have no recollection of the original creditor and XXXX claims to have sent notification to an address that is almost 7 years old, I have serious doubts as to the validity of this claim. XXXX has not responded to my request for information and, based on their actions to date, has no interest in following the debt-collection procedures outlined in law. 

Since I was not given the opportunity to protest or respond to their original request for payment, I have asked XXXX to remove the collection notice from my credit reports and start the process over. I feel that it's only fair for me to have the chance to investigate the claim, validate the amount ( if any ) is owed, and settle the issue prior to having my financial reputation tarnished by what could very well be an invalid debt. I further request that XXXX 's business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (SC)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Therefore Mohela is in violation of my privacy as stated in the about act that includes any student loan or financial information. I have not given written consent to furnish my information to anyone.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have filed multiple complaints and I understand that not a thing has been corrected or changed. This is considered at this point willful violation.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES PLEASE DELETE : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (UT)

I have a dillards XXXX  card I am supposed to be getting XXXX of a month in credit when I spend XXXX on gas the card is run by Wells Fargo by XXXX XXXX company are the one that apply the credits already disputed this with Wells Fargo and they have no idea and don't apply the credits accoarding to the email I should be getting once a month a XXXX I have Made 2 purchases over XXXX and no XXXX credits on my account at all wells Fargo has no clue so I am fighting this with the source XXXX is the one that puts the credits on the account even through to don't run the card XXXX why are my credits none on the account at all!!!! XXXX needs to start putting my credits on there
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX wire transfer in the amount of {$1200.00} from XXXX XXXX accounts. However, our records do show a member-to-member transfer on XXXX XX/XX/XXXX in the amount of {$1200.00} that was initiated by our member via telephone. Should XXXX XXXX That was what navy fed I called my money was gone XXXX balance which I was incarcerated XXXX and XXXX XXXX too XXXX dollar and XXXX XXXX my credit card was charge as well and Im a victim of theft I have a police report case # XXXX a victim is a victim and when I tried to get my account restored and recover they denied replacing my XXXX check from a person I dont know who stolen my fund and charging my credit card leaving a balance
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX AZ Account/Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (LA)

The company has initiated a repossession of my property with no notice. The peace was broken with XXXX officers surrounding me at my house. They trespassed on private property. Speaking of property, I was unable to get out expensive tools in the amount of roughly XXXX $ due to the hostility of the tow truck driver and police.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: FORD MOTOR CREDIT CO. (NY)

I am writing today in regards to my vehicle XXXX automotive VIN # XXXX. 
This vehicle was on autopay even after I extended my lease I went online to make sure that the autopay was still active. The autopay was activated but for some reason the date for withdrawal was several months out which I did not notice. The payments were not withdrawn from my account and I was completely unaware of this issue until my vehicle was repossessed. Once the vehicle was repossessed I redeemed the vehicle with a full payout. 

The issue is that a late pay is reported to my credit report in XX/XX/2022 and XX/XX/2022. This was an error on the website which was an oversight.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX Equifax Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's 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. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX