davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: KEYCORP (OH)

I have asked Key Bank to lower my monthly minimum payment on the two accounts that I have with them. I was in a debt management program for the last 4 1/2 years paying Key Bank {$270.00} on the one account and {$170.00} on the second. I have never been late with any of these payments. I have struggled through 4 1/2 year of making these payment but now since my balances have went down considerably from roughly {$24000.00} down to {$3400.00} I need my minimum payments recalculated to whats allowed by law. I have talked to Key Bank up management and they will not lower my minimum. I think its a disgrace for a person trying to do the right thing gets no consideration. I am currently trying to refinance my home but would not be able to with these current monthly minimum payment on credit card accounts. I will still pay more on these accounts to eliminate them but I need my minimum payments to reflect less so my debt to income ratio will work with my refi. My mimimum payment should probably be no more than {$75.00} or {$100.00} dollars. Even before I went into the debt management program my accounts were not past due. I have always paid them on time well before I got in the program.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have an active complaint started with the CFPB and Bank of America is intentionally making the process impossible to resolve. You contacted Bank of America and a representative ( see attachment ) emailed me and asked me to call him. I have tried for 2 days and the phone # provided does not work. It reaches the Regulatory complaint automated phone service. It asks for the extension of the person you are trying to reach. As soon as you enter it it says it does not recognize the extension. I have tried over 200 times and over a XXXX day period to contact them with no success. I have also sent several emails to the representative that sent me the email and have received zero response. My active case of fraud is reported with CFPB and the case # is XXXX. My checking account was hacked and almost {$6000.00} was taken from me. Bank of America refuses to assist me in this matter after XXXX  years of being a customer.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (TX)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or Scammer ) Dba : Deputy of Social Security Administration ( the Scam Company ) with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Bitcoin of America services.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, XXXX and XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 SEction 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (FL)

Chime bank had dinied my claim if fraudulent charges by not refunding my account after my house was vandalized and police report was filed but they havent even get in touch with police to reconsider their denial this charges were made into my account with out my consent and all my savings were gone from My unemploymennt insurance 59  charges were disputed and they hasve failed to comply with it
Consumer complaint received 2022-10-08
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)

Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are 44 inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX  to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX  to pull my credit report, XXXX XXXX  is on my credit report 3 times and I only authorized them to pull my credit report once, XXXX XXXX  is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

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 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 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 2019-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I refinanced with XXXX XXXX in XXXX of 2018. My loan got transferred to AmeriHome. I have yet to receive any communications from AmeriHome about my loan number and where to send payments. Customer serve rice is hideous ... hour of waiting on Holden or you get disconnected. I have also sent emails about address of where to send payments with no response. Horrible company with bad reviews all over the Internet about poor customer service.
Consumer complaint received 2022-12-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am buying a car for cash from my local dealership. I had left a message with the finance manager that I was paying cash, but what were the terms available if I wanted to finance it. Never spoke to anyone there I had just left a message on the recorder. Next day I had a hard inquiry on my credit report. Ive emailed twice and left a message at the dealership and nobody has called me back.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, and Experian have reported a 30-day late payment/payment status on my credit report, which I am not late.This late payment reported on XX/XX/2021, which the account is not 30-days late at all. In addition, I have contacted the company, which is XXXX XXXX XXXX, on XX/XX/2021, on that Saturday. Once I contacted XXXX XXXX XXXX regarding the late payment, they told me that they did not report that 30-day late payment and their records show that I am not late 30-days. Also, they stated that their system does not show 30-days late and their system shows as pays as agreed. So, I am puzzled on how that late-payment got on my credit report.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (PA)

i been with Barclays bank for a long time, and I have always appreciated the good value and service I have received from Barclays. Recently I checked my credit report and noticed a mistake from my current credit card. I was devastated to see a late payment from. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time, this has to 100 % be a billing error. Will you kindly send me? confirmation that this erroneous late payment has been corrected updated to paid as agreed and deleted from my credit report.I would like to remain in active customer of Barclays and will be happy to do so as soon as we get this matter cleared up yeah soap If you believe its correct, I demand : -The date whomever validated it was correct. 
-The method used to validate this Billing error. 
-The name of the person who received the permission to validate this error. 
-The documents used to determine this error. 


I would appreciate if this matter were handled in a timely manner. 
XXXX XXXX
Consumer complaint received 2021-07-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

Dear sir or madam, I am attempting to close my BBVA checking and savings accounts since they were migrated from Simple, and now evidently they're a part of XXXX. 

I attempted to close my account via their XXXX on Monday, XX/XX/2021, and when the associate answered the phone they told me their systems were down, and they couldn't access my account. 

Today, I looked at my latest statement ( dated XX/XX/XXXX ) which clearly states they are available by phone 24/7 ( see attachment 1 ) An audio recording states that due to COVID they are not open 24/7. COVID has been ongoing for over a year. Why haven't they updated their standard forms? 

I then tried to close my account online, by signing up for online access, and even though I entered all of my information correctly ( see attachment 2 ), I received an error ( see attachment 3 ). 

I would like to close my checking account, which has a XXXX balance, and my savings account, which as of my statement, has a balance of {$50.00}. I would like this issue rectified immediately. 

I didn't ask for my accounts to be migrated from Simple to BBVA, and soon-to-be XXXX. 

BBVA clearly has technology problems. Not only that, they have stated misleading and incorrect statements on customers monthly statements. Clearly they are putting profits ahead of customer service. This is unacceptable. 

I request your office 's help in remedying this issue. 

Regards, XXXX XXXX
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Citibank N.A. services.
Consumer complaint received 2021-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

A XXXX XXXX XXXX XXXX by XXXX XXXX XXXX. XXXX CA., had my debt card on file. My reservation was made and confirmed by the hotel manager. I was on a business trip for a job opportunity. After the reservation was made, an employee called my stay room three days into the reservation claiming that they foregot to run my card to reserve and different employees different shifts tried to continue to take money out of my account, in amounts that were not the authorized amount for my stay. more than 30 different transactions amounts all different amounts on different transactions tried to be accessed on my account. Now my account is in a over -drawn state for more than 21 days. In the amount of XXXX credit was given by the bank twice the amount and left me {$900.00} and then the credit was restricted put me back in the negative. Now the account is still over drawn by {$960.00} I have a lot of details to provide about this case. I want the bank audited as well as the company. To find the missing money.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Michael Wayne Investment (VA)

Hello my mother passed away and I had a XXXX XXXX  and is in the hospital but they are transferring me to the behavioral health unit where I won't have a phone or anything to the outside world. I don't know how long I'm going to be in here I am asking for help with my car note for about two months give me until XXXX so I can get the help I need and go back to work my mother use to help me with my bills I'm in college so I was only working part time I don't have any income coming in at this time I call this company basically begging for help and the rude girl didn't even acknowledge that my mother was dead. I have never had any problems before and this is why I am writing company I spoke to XXXX and she said I needed to make a payment i advise her I can't pay I don't have money this company is very insensitive and not understanding at all this is one of the reasons I'm in the hospital stressing I'm stressing over my car
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

On XX/XX/2019 I had {$1200.00} taken from my bank of the west business account I found this withdrawl on XX/XX/19 and immediately called my bank. I went in to my branch and signed the papers that were required for this unauthorized transaction. 
It is now the XX/XX/XXXX and my bank tells me that XXXX XXXX will not give back the funds, so it is out of thier hands and I need to contact the entity that took the funds. 
This was an unauthorized automatic withdrawl from a company name XXXX XXXX   that was used to pull money from my account for some person name XXXX XXXX, who I do not know and is associated with another company called XXXX. I received theses name through my bank. They told me that I need to contact these people directly because all they could do was ask XXXX XXXX to reimburse the money and when they denied it they said it was out of their hands and closed the fraud claim. I have contacted the two companies ( only available though email neither company will talk with me via phone ) and both told me that its out of their hands and that I need to contact my bank So now I have multiple emails between me and this company XXXX   and conversations with my bank and not one of them will help me. They are both passing the buck I have asked both of them for proof of authorization and neither has come through.
Consumer complaint received 2019-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

In XX/XX/2019 I was contacted by EdFinancial. The debt amount was not what I recall borrowing. I requested validation of the debt. I was informed that I needed to put this request in writting. I verbally told them that I would be doing that immediately, and asked them not to further contact me by phone. I immediately wrote to the company and put this request in writing no more than a week after receiving that call. I did not receive anything in the mail. 

I received additonal calls and I stated each time that I was questioning the amount of the debt and had requested validation of the original debt, which I still had not received. The agents each time stated that they were making notes in the account and that the calls would stop while that information was being sent as I requested. The calls stopped for a little while, but then continued again. I also received mailed correspondence about the debt, but never received validation or information about the original debt. Meanwhile I was told that the debt was being reported on my credit. In XX/XX/2019, and in XX/XX/2019 I was reported for late payments. I spoke with agents multiple times who told be that they did not have to comply with the validation of debt request and that thir company didn't do that. I don't understand how they can refuse to comply with the federal law regarding validation of debts. I again put it in writing and stated that this was now my second written request for validation of the debt. Again I received nothing. It is now XX/XX/XXXX and I am still receiving calls from this company, and it is still reporting the debt to credit agencies. I have now written for the third time for validation of the debt, and have not received anything other then them sending out their own one page demand for payment with no validation of the debt, and continuing to report to cerdit agencies as 150 days past due.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have been in contact with the companies in this complaint and the credit reporting agencies who are listing invalid information. I require these corrections to be made because I take pride in my credit file. My attempts to correct my credit file has gone on deaf ears and blind eyes so I am here now as my last stop before I involve the courts. I do not nor have I consented to allow the credit reporting companies to furnish the information that I have deemed as incorrect or not mine 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-02-08
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. (CA)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/23 I received an alert from multiple credit monitoring services I have informing me a credit pull was requested by capital one bank on behalf of a credit application completed. I never applied for a credit card recently with capital one bank. The entry on my credit reports say its for bass pro credit card. I have not applied for any card with that store or with capital one in the last year. I reached out to capital one and they informed me they cant find the application tied to me info but to report it to ftc and the credit bureaus.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2022 received an email from XXXX XXXX XXXX XXXX. The email congratulated me for being approved for a credit card. The problem is, I never applied for a XXXX XXXX credit card. 

I called XXXX XXXX, explained the situation and they transferred me to their fraud department. After explaining the situation, they determined that someone had fraudulently opened an account in my name. They closed the account. 

Later in the day on XX/XX/2022, I received another email, indicating that my credit application has been approved and they were sending me a credit card w/in XXXX business days. 

I called XXXX XXXX again, concerned that this activity. After transferring to their fraud department, they determined that someone had submitted XXXX applications in my name. They assured me that both applications have been closed. 

This appears to have resolved the matter, because I have not received any additional emails. I wanted to report this because someone appears to be using my name, without my permission, to open credit accounts. I don't want my good credit ruined because of someone else 's fraudulent activity.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.