davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/21 an unauthorized wire transfer in the amount of {$29000.00} was deducted from my Citibank checking account. On that day my cell phone went dead for XXXX, during this time, the account was hacked. I XXXX learned of the unauthorized wire when I went to XXXX to see whats the issue with my phone, they informed me that my sim card is defective. When I replaced the sim card and rebooted my phone, the security alerts came in from my gmail account stating it was compromised, and at this time I also received an email stating that {$29000.00} has been released from my citibank account. I immediately called the fraud department, informing them of the fraud and that I did not authorize nor initiate any type of wire transfer. I explained to them that I might have clicked on a citibank text that took me directed to my citiapp, and they informed me that this could possibly be a scam. Where is the protection for the consumer, I clicked on a citibank link that took me to my citiapp, how would the consumer know. When I was in the app, I simply logged in, nothing else. The bank denied my claim, and said they will not credit back the {$29000.00}. I am a XXXX XXXX XXXX of XXXX, and a citibank XXXX for the past XXXX, I expect to be treated as a productive citizen. Please assist.
Consumer complaint received 2021-11-22
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself to inform you that the item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please UPDATE accordingly : ( XXXX XXXX XXXX  XXXX )
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that '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. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that 'A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2021-11-22
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. (FL)

XXXX, EQUIFAX AND XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORTS THAT ARE NOT MINE/ INACCURATE.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I purchased an insurance policy for {$8000.00} from XXXX XXXX. Payment processed on XX/XX/2021. I subsequently cancelled this policy on XX/XX/2021 and was advised the refund should have been processed to my account on XX/XX/2021. To date, no refund has posted to my Bank of America account.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX, XXXX and XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hello, I had refund due from an Airline company XXXX XXXX XXXX ) for the tickets I had purchased with my CaptialOne Credit card. After a follow-up with XXXX for more than 1 year and intervention of DOT official XXXX the airlines gave me refund on the credit card with XXXX payments. 
But after few days XXXX charged me and took back the second refund payment. 
I reached out to CapitalOne and disputed this charge. CapitalOne reached out to XXXX on it. XXXX informed CapitalOne that second payment was by mistake and hence they are reverting it. They informed CapitalOne, that I would not get full refund of tickets. 
At this point I submitted CapitalOne the proofs and policy document of XXXX that states that in my situation ; I should get full-refund. 
CapitalOne refused to go back to XXXX company with my documentation without any reason.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (AR)

My credit card with XXXX federal stop me from making payment for return payments. I was a victim of fraud. XXXX was investigated I was unaware they stop all electronic transfers from my account ending in XXXX.my other account were fine. On XX/XX/XXXX - {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$490.00} these were returned. But payment on XX/XX/XXXX {$340.00} was successful I contacted XXXX federal and conference call was made to verify funds. 
I made payment from my checking in account ending in XXXX. No payment was ever return from this account. Dates clear my bank for payment are XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX$ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX. $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX{$220.00}. I was ever a new account number for the account the was compromised ending in XXXX. I made a payment of {$200.00} that cleared my bank on XX/XX/XXXX. I made this payment to cover the XX/XX/XXXX payment that did n't go through. I only had 3 payment that have n't clear but due to issues not in my control. Now I have no other way to make payments. I 'm being penalize I had 11 good successive transfer to this credit card versus the 3 returned and 1 of those I made the next day to cover it.
Consumer complaint received 2021-11-22
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. (NY)

I am XXXX XXXX and I am submitting this complaint myself to inform you that the items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax required to verify for themselves, but they failed to neither verify nor update me about these complaints. PLEASE REMOVE the listed accounts below from my report : ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2017-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I 've had several deposits into my Bank of America accounts from the same branch and sender since opening the account. All deposits were made in cash at a teller into my account. On the XXXX of XXXX there was a cash deposit made of XXXX XXXX which had not reflected after being deposited around XXXX. I called customer service and they asked to call back at beginning of following week if nothing had appeared. The following XXXX I spoke with an agent in XXXX of their accounting departments who allowed a temporary credit into my account of XXXX XXXX until the deposit was found stating they may have placed it into someone else 's account. After several weeks of stopping into my local financial center and speaking with management I was told to continue calling for updates until the end of XXXX when they chose to close the claim. They said they were unable to locate the deposit in my name. I called and asked to reopen the claim and please check the dastes and amounts to the particular bank since the deposit was made out of state. With little progress and even less information given to myself I 'd like to know why there has been no availibility after the original person who made the deposit supplied a recipt of the transaction to that bank. The bank was contacted on my part which said they did not know or have knowledge of who handled that information which has not gotten me anywhere in my progress and now without those funds nor a way to site the original transaction.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

I would like for the ONLINE INFORMATION SER to show proof of verification that I owe them {$630.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Consumer complaint received 2018-09-25
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. (AZ)

I received my credit reports XX/XX/2018. Since that time, I requested a debt be validated on my credit report via the collection agency, XXXX XXXX XXXX based in XXXX, Az. Not only did they not validate the account, they created a FALSE document reflecting a debt to XXXX XXXX XXXX of {$25.00} + 4 years of interest, they supporting documentation WAS ANOTHER PERSON 'S INFORMATION ALL TOGETHER - including their NAME, DOB, HOME ADDRESS and SSN!! 

I sent that in to XXXX as proof that the account could not be validated and should thereby be removed. XXXX broke the law and did not remove the account. 

I had since received a letter from XXXX XXXX Apartments stating the account is to be removed from my credit report. I uploaded the letter twice - once on XX/XX/XXXX & again on XX/XX/2018 to XXXX Credit Bureau - The only ones reporting this erroneously - for them to delete the entry. They pretend that although the letter was amongst other uploads they received, they seem to never have received this ONE letter. 

XXXX Credit Bureau is reporting false and inaccurate information on my report and is not following the established rules and statutes.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

Since XXXX XXXX I have been making monthly payments thru XXXX XXXX XXXX XXXX to Navient but they have yet to report my monthly payments to the Credit Bureau. The payment is electrically taken out of my account each month. My checks are made payable to Navient but XXXX XXXX XXXX XXXX collects the deposit. I 've tried calling several times but I get the voicemail and no one has called me back.
Consumer complaint received 2022-12-17
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. (NC)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following fraudulent accounts off my Credit file : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. UNder the FCRA section 605b, you are required by law to remove these accounts off my Credit file since these accounts resulted due to my identity being stolen.
Consumer complaint received 2018-09-25
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: Diversified Consultants, Inc. (FL)

There is a collection account on my credit report by the name of DIVERSIFIED CONSULTANTS showing a past due charge for {$1100.00}. After researching it a bit, I found that this name is associated by many other people to fraudulent charges for phone lines they never had or had already paid off and/or closed. It's stated as opened on XX/XX/2015 and is apparently related to a XXXX account, a phone service neither me or any of my immediate family has used recently or at any point to my knowledge. It came to my attention recently because, believing I had no credit at all, I applied for a savings account with XXXX XXXX XXXX and was made aware of the charge.
Consumer complaint received 2018-09-25
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. (TX)

I AM STILL BEING FOUGHT WITH WHEN I CANNO HEAR ON HEADSETS AND VOIP SYSTEM AND THEY REFUSE TO GET ME SOMEONE THAT I CAN HEAR AND WILL NOT GET OFF THE HEADSETS. I AM TOLD I CAN HEAR JUST FINE AND THAT THEY REFUSE TO DO IT ANY OTHER WAY. 

XXXX AT XXXX ON XX/XX/XXXX XXXX AFTER HER AND HE WAS THE WORST OF ALL OF THEM. 

XXXX T XXXX AT XX/XX/XXXX PLEASE PULL ALL THESE CALLS AS IT IS NOTED ON MY ACCOUNT. 

VERY RUDE FOLKS AND VERY CRUDE AND NASTY. 

now XXXX and XXXX too discriminated once again at XXXX
Consumer complaint received 2023-07-20
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: CITIBANK, N.A. (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-04-18
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: Exeter Finance, LLC. (WV)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

on XX/XX/XXXX I got notifications that my card was past due from the credit agencies- never from Bank of America however. Never a phone call, email, or mail. I called immediately to pay the past due amount, was told on the phone that my account was then current ( about {$93.00} ). I received an email after that confirming the payment. I called again on about XX/XX/XXXX to pay the remaining balance by automatic payment - ( about {$73.00} ). Was never alerted to there being any issue with the payment from XX/XX/XXXX. Today, on XX/XX/XXXX, I see through the credit agencies again that my account is listed as 60 days past due. I called and am told that neither payment went through because my credit union and put a stop payment on those payments ( they also did not alert me to this, and I will be following up with them about it ). Bank of America never once told me that the payments weren't going through, even when I called on about XX/XX/XXXX to pay the balance. I got an email that they were closing my account on XX/XX/XXXX - but not XXXX notification that the payments weren't going through.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America failed to provide temporary credits although I requested so many times. XXXX stole my money 500 dollars and manager of XXXX promised to return back my money ASAP. I presented so many evidences through XXXX review of bank of America ( headquarter, XXXX XXXX ). 

I attached XXXX  statement and email response from them.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

In XX/XX/2021, I signed up for the American Express XXXX XXXX. On XX/XX/XXXX, the first payment bounced because autopay was not set up correctly. The reason was that the American Express payment tab is poorly designed, so it was my impression that autopay settings from other American Express cards were transferred to XXXX American Express cards. It is not clear that the banking information needed to be set up again. On XX/XX/XXXX, I was charged an interest fee. Around XX/XX/XXXX, I called American Express to ask for the interest fees to be waived on the basis that it was accidental due to a misunderstanding of American Express ' autopay system. The agent agreed to waive the interest fees. However, the interest fee refund was never posted. Subsequently, I called back about a week later, and the agent could not find a record of the request. I asked the agent to refund the fee since it was previously promised. The agent denied the request since no record could be found. The agent said American Express would conduct a review of previous calls. About a week later, using the American Express app, an agent stated that the review could not find such a record. On XX/XX/XXXX, I was charged another interest fee of XXXX USD relating to missed payment on XX/XX/XXXX.
Consumer complaint received 2019-11-22
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. (NV)

Experian XXXX  & XXXX continues to update account information that does not belong to me. Even after submitting my police report for Identity thief, and filing my FTC report the credit agency 's are still just updating the information. Of course if my information was used to open the accounts of course the information will be verified, none the less I have contacted XXXX XXXX to dispute an account and they are telling they can't provide any information because the ss # does not match, Also XXXX has not been verified due to the balance they have me owing {$86.00}, XXXX when the balance on the card show 's {$8600.00} its a type o, but they wont even brother to correct this major mistike, These mistake are causing me to lose out on the chase of home purchasing and have XXXX of my hard earned money taken from me due to their unfair reporting practices.