davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Around a month ago, I called Bank of America through the app. During such a call, I asked to transfer refund on my credit card to my checking account. The representative at the time said it was not possible. However, sending a check was possible. 2-3 weeks later, I call back. This second call, the guy said it was possible to transfer between account and it was faster. Since it was this late, to wait one more day to see if the check arrived. Did not arrived. Third call, I ask to place a stop on the check and ask to start the transfer. They agree. Some times later, I found out they send out another check instead of initializing the transfer between my account. The amount of time I called for this mistake to occur mean I'm either unlucky, Bank of America has really bad customer service, or Bank of America facilitate keeping money in their arsenal for as long as possible. It's really feel terrible to not have cash to pay for a promise just cause of something entirely out of my control. I guess if you're poor, you should avoid credit cause 1-3 percent cash back is not worth it. Credit score being as big as it is kinda XXXX.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Management Systems (IA)

The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with th e National Credit Reporting Agencies.   While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (AZ)

On XX/XX/XXXX, I woke to find a Summons ( XXXX ) lying on a bench on my front porch, not in an envelope, with all of the information exposed to the public. 

I immediately sent an email notifying the attorney firm, Gurstel Law Firm, PC that the XXXX 's debt was included in my husband 's bankruptcy ( XXXX ) which was discharged XX/XX/XXXX. The request was made to have Gurstel Law Firm file a Motion to Dismiss within the email. 

On XX/XX/XXXX, I received correspondence asking " to work towards an amicable resolution ''. After XXXX attempts to contact the law firm on XX/XX/XXXX, I finally was able to speak to XXXX in Collections whom notified me that the file ( XXXX ) was with an attorney being reviewed since XX/XX/XXXX. 

XXXX ( who is based in Washington ) asked that I call back in a " few '' days to find the status. My desire was to not have to spend funds that were needed to file an answer and Motion to Dismiss. As this is not a " legal '' lawsuit for collection. 

In the past well before this summons was issued, the debt collectors and XXXX 's were notified of the bankruptcy and request to cease collection attempts.
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tesla, Inc. (CA)

job number XXXX inv # XXXX {$2700.00} previously I had a balance of XXXX and its been going up as I don't take care of it but I am not paying something that I don't owe!! people from XXXX knew my panels were never turned on!!!!! and yet they want money from me I tried taking care of this issue but it seemed they still want to steel my money they are harrasing me and my husband and even my sons they need to stop and now we received call saying to just pay {$500.00} and everything will be closed and some other representatives say pay XXXX and close account!!! I'm tired of them calling me and asking for money I don't owe at the same time being how could I have paid sp much electricity thru XXXX XXXX  XXXX and still owe them too why in the world would I think I OWE THEM! if I have paid my electricity bill thru XXXX XXXX XXXX I need a perfectional investigation to help out and see we are willing to pay them what is real owed to solar city if panels where on for what period of time and an explanation of why we stilled paid XXXX XXXX XXXX and if I need a reimbursement from XXXX XXXX  XXXX back. if you can see I did a claim already and nothing worked! you will find the original statement and balance its not fair to be harrassed like that and pay something you now you just don't owe! reasonable for the time fram saying that panels were on for what they said is $ XXXXNOT {$900.00} OR WHAT THE LAST LETTER IS ASKING FOR. 
nothing was explained thru them everything was more of a hurry to get us screwed in its all supposed to be for a better benefit and saving not money Steelers. they say we need to have panels remove they can come take them away anytime!! if they are just on top of my house for no use never turned on or anything wont make a difference but if they are will to do things right and turn them on and start fresh the correct way a company should specially them being such a big company I have neighbors that are also dissatisfied with them as well.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-18
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. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-18
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. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-18
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. (TX)

XXXX  ; XXXX and Transunion are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Customer Service, Inc. (SC)

In the summer of XXXX ( exact date unknown ) I entered a vacation sweepstakes in a magazine I regularly receive called XXXX XXXX. After a few weeks, I received a phone call from an unknown number saying that I had made it to the final round in the sweepstakes and was now being offered a free trial of magazines. Thinking this was in partnership with XXXX XXXX, a magazine company I trust, I consented to the FREE trial. I was told I could choose from a wide variety of magazines and that I would receive several varieties in a month. However, I received Glamour and XXXX XXXX, neither which I chose, which I just threw away thinking it was no harm since I didnt pay for them to begin with. A few months go by again and I receive a phone call saying that I owe money for these magazines. I gave a rebuttal that I do not owe them anything since I never consented to pay for these magazines I never wanted. I cancelled and the man on the phone hurriedly says XXXX take me of the list. At this point, I moved to a different location and forgot about the ordeal completely. Again, a few weeks to months go by and I receive a phone call saying that I owe a balance on the magazines I was receiving. However, I was told that my renewal would be cancelled and all debts removed for just {$50.00}. Confused at how I ever got into having to pay anything at all for a service I didnt want, I mistakenly obliged to pay {$50.00} just to drop the matter. I was charged {$49.00} on XX/XX/XXXX. However, within the same month I was charged another {$49.00} on XX/XX/XXXX. Irritated, I called and tried to confirm my cancellation, telling them I was still receiving the magazine though I never renewed. They said I would continue to receive magazines for the amount Id already paid ( {$50.00} ), but that my subscription was indeed taken off the renewal list. However, I was then informed of a balance of $ 600+ dollars! I explained I never wanted this service and cancelled long ago and told them this amount would not be paid. I then proceeded to cancel my card to receive no further charges. They continue to call and harass me at least once a week. The amount then went to the collection agency Total Customer Service , Inc which, according to XXXX reviews has worked exclusively with XXXX XXXX XXXX and similar scams. Therefore, I am choosing not to interact with them and instead wanting to consult a more assured process.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

Re : Bank of America, EDD I am a BOA customer. I was recently laid off from my job and was awarded XXXX XXXX. I received a BOA EDD card, but there are no BOAs in Montana where I live. I am trying to get the fund transferred into my personal BOA acct. I can not get a live operator on the phone to help me. 

After listening to balance a dozen times, and every other irrelevant option in their endless automated message, we are finally given an option to speak with a representative, but when I have chosen it, I get a busy signal, or 'we can not answer your call at this time. '' This is awful. I need funds. A prepaid card does not help me. I need the money in MY ACCT to pay my mortgage with. 

There is no excuse for BOAs absentee customer service. Please help. Or I will move my accts somewhere else.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (DE)

During the month of XX/XX/XXXX I have tried using the co-branded XXXX XXXX XXXX XXXX credit card issued by Barclays Bank Delaware ( Barclays ) to make a by phone ticket purchase with XXXX XXXX and at various point of sale locations in Delaware. The card is proving to be useless. 
It took almost 45 minutes for the ticket purchase to be finalized because I was told there was an address discrepancy issue. There should not have been a discrepancy as my address has not changed in over 5 years - and the address on file with both XXXX XXXX and Barclays has been kept up to date. 
Notwithstanding that issue, I have had to spend nearly two hours on the phone with call center staff who simply can not grasp the significance of the issue I have encountered at at least 4 point of sale locations where my card - equipped with an EMV chip - has been declined. The card has also been declined when I tried to swipe it instead of dipping it. 
I have been told by the ill-informed call center representatives that I must use the Chip and PIN combination with this card at point-of-sale terminals. Well, that is impossible to do when the terminals don't prompt the consumer to enter the PIN. Is this a credit card or isn't it? 
Then, when I try to swipe the card. it's declined. This is embarrassing and a waste of time. I also think I am paying an annual fee for a card that appears to be useless other than allowing me better boarding position on XXXX flights and 1 free bag. However, since I don't use my American reward miles to purchase tickets, but only as partial payment for first class upgrades, the card offers no benefit for boarding or luggage allowances.

Barclays needs to better inform its call center representatives and its cardholders about the limitations of using this card in the U.S. where finding chip and PIN enabled terminals is rare.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a citi bank account package on XX/XX/XXXX and there was a promotional offer for this account package, which is depositing at least {$15000.00} and keeping them in the checking account for at least 60 days and I will receive {$400.00} as a bonus. I have met this deposit requirement on XX/XX/XXXX but I still haven't received the {$400.00} bonus.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (PA)

I have had a paypal account for several years. I have a paypal cash card and am able to receive direct deposit should I choose to do so. I recently moved and have been using XXXX XXXX and XXXX XXXX   frequently for food delivery ( because I'm XXXX  on XXXX ). The use of these two companies has created a problem because I had to frequently dispute charges due to canceled orders ( by the company ) not being refunded to my card. On XX/XX/XXXX I received a message from Paypal telling me my disputes are putting me in danger of account closure. On XX/XX/XXXX I was forced to file another dispute with paypal because I was charged incorrectly by XXXX  on my paypal card. I even provided Paypal a LETTER from the MERCHANT admitting their mistake and encouraging me to dispute the discrepancy ( which I did ). This resulted in paypal closing my account without processing me dispute causing me to loose money. They stated that the remaining balance in my account would be refunded in SIX MONTHS which is a violation of federal law.
Consumer complaint received 2020-02-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WA)

I used the Transferwise system to send {$4500.00} in USD from my bank ( XXXX XXXX  ) in the USA to a bank in XXXX XXXX to pay for an item. 

I made an electronic transfer from my bank to the Transferwise XXXX XXXX XXXX   account on XX/XX/XXXX. On XX/XX/XXXX my bank told me it could take 4 business days for the funds to transfer. I made an identical transfer with XXXX 3 weeks ago that was processed correctly. 

On XX/XX/XXXX a Transferwise employee informed me that their bank rejected the funds for no apparent reason and that I would have the funds returned to my bank by XX/XX/XXXX. I do not have the funds in my bank as of today. 

Transferwise customer service has no idea where the funds are and suggested contacting my bank to trace them. Since it is Transferwises bank that has rejected my funds my bank can't trace them.

This has severly damaged a business relationship and Transferwise has been shown to be incompetent if not fraudulent in their processes.
Consumer complaint received 2015-10-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (NY)

I've been trying to solve it with them, previously I had financial difficulties before I called West lake Financial Services and was told that my account is eligible for a 1 moth brake in payments every 4 months of consecutive payments, these people are giving me a hard time and besides penalized me an additional {$33.00} on the top of already very high balance with extremely high interest rate, they are ridiculous, I've contacted them on a XX/XX/XXXX to let them know that I will need a brake this month but they seem not to understand, I believe they have difficulties understanding English and what I'm trying to ask for, please make sure they report my account accordingly, very disappointing! They added penalty when I let them know ahead of time that I'm taking brake this month due to my financial circumstances. Please make sure these people do their job right not telling me on the phone " I don't know whom you spoke to before but ... ... '' This is horrible customer service experience!
Consumer complaint received 2022-03-25
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: Dovenmuehle Mortgage, Inc. (PA)

I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS. 

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was XXXX XXXX in XXXX and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with XXXX XXXX after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault. 

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXXXXXX XXXX XXXX XXXX and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact XXXX XXXX, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.