davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I received a replacement Debit card from my bank in an expedited envelope. I thought Bank Of America has fraud detection and they may have acted on it. 

On XX/XX/XXXX I received an alert from Bank Of America - details are given below : XXXX XXXX Your Debit card ending in XXXX  was mailed on XX/XX/XXXX to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Use the UPS  tracking number ( XXXX ) at www.XXXX.com to check the delivery status of your card. 
Your card will arrive in an envelope with a Bank of America logo and a XXXX, Delaware return address within 4-6 business days ( up to 16 for international ). 

This triggered in my mind that somebody has scammed Bank of America to get my Debit card. I called the fraud prevention dept of Bank Of America and learnt further that this person from above address has called the Bank and increased the daily withdrawal limit and further asked the card to come directly to FL ( XXXX XXXX, FL XXXX ). XXXX XXXX # ( XXXX ). 

So I cancelled the card and reapplied for a new one. The Debit card was supposed to come to my address today but I learnt from XXXX  that the sender ( Bank of America ) had diverted again to a different address in FL. This means the same person has called and got thru as me to give a different address to receive my new card. 

I called the Fraud dept oXXXX Bank Of America again and asked them close my Debit card completely. I demanded to increase the security so imposters can't get in without proving their identity via a phone call verification. 

I am concerned that somebody is relentlessly trying to gain access to my bank account.
Consumer complaint received 2021-11-18
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. (SC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2017-06-06
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ceannate (CA)

My name is  XXXX   XXXX , I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of  XXXX  with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed w ork ( lost wages ) since I  have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan  (   XXXX  College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an   XXXX   XXXX   at a   XXXX   XXXX   making {$ XXXX } an hour in the  XXXX   XXXX  area I get paid bi-weekly, I have  XXXX  little boys ages  XXXX  and  XXXX   years old an d I am the sole provider. Do the math Im going to be homeless because of this issue. I understand  XXXX  College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with  XXXX  children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.
Consumer complaint received 2024-03-25
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 (MN)

Bank of America took XXXX payments of {$6700.00} on XX/XX/2024. This is {$6700.00} more than I owed and they will not return my money. They have told me XXXX times that they have mailed a check and even told me they sent it certified. The other lies were they needed my acct info. And would direct deposit it and XXXX  times I have given them my info and that has not happened. Wondering what I need to do to get my money back. My bills are going unpaid and accruing interest. They certainly need to hire people that have an XXXX XXXX XXXX
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I XXXX XXXX entered into a consumer credit transaction on XX/XX/2019 where CAPITAL ONE AUTO FINANCE took the alleged ASSIGNEE role in this transaction. With this consumer credit transaction that took place there was a finance charge that was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Also in this transaction my right of rescission was not disclosed to me pursuant to 15 USC 1635 which goes against 15 USC 1601 ( a ) Informed use of credit. Also be advised 15 USC 1602l defines credit card as Any Card existing for the purpose of obtaining money, property, labor, or services on credit and in this case my credit card was used via my social security card for this consumer credit transaction.
Consumer complaint received 2019-08-05
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. (CO)

I called Equifax customer service two weeks ago to permanently unfreeze my credit report and lift lock on my online Equifax account. I answered all the security questions and representative said both tasks have been taken care of. As of today, neither issues have been resolved. My credit report is still frozen and my online account is locked.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

The bank is usaa. Im about 2mts behind. I typically pay the loan on the XXXX yet this month Ill get paid from the XXXX  as a XXXX vet on the XXXX. Tried calling twice to make sure that was ok. Was denied speaking to a manager, second time I called I got the same rep who I had a very hard time understanding and she hung up on me.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/XXXX I received a phone call from Wells Fargo regarding my Wells Fargo Credit Card. The rep stated the payment is late and the minimum amount of {$25.00} is due. I explained to the rep that I have not received my bill for this account. Ive never missed a payment for any of my accounts. The payment due was only {$25.00}. When I was informed the payment was late I immediately went online and paid the full balance off. Even though I am also a victim of the natural disaster. I lost my job in XX/XX/XXXX when the state mandated a lock down. The company I worked for went out of business. I wasnt able to find employment until XX/XX/XXXX. They said we can set up a deferment if I wasnt able to make the payments. I explained that I dont need a deference I only need to make sure my credit report doesnt show any late or missed payments. The rep stated that as long as the balance was paid in full they agreed to not report the late payment on my credit file. They didnt add anything on my credit report showing any missed or late payments. In XXXX of XXXX over one year later, for some reason Wells Fargo went back on their word and my credit report showed a late payment for the month of XX/XX/XXXX. 

When I called Wells Fargo and explained the situation they said they dont have any way to remove it from my report. Ive been a Wells Fargo customer for over 10 years. Never missed any payment prior to that one payment that was late. 

Ive called many times and I tried explaining that I never received my bill it never came in the mail and they are required to send me a bill every month. I told them that I am a victim of a declared national disaster. That should be enough right there to remove this inaccurate information from my report. I made the payment exactly like I was told and then updated my address because they had the wrong mailing address in the system. 

I called another time and a rep stated she will send my request over to a special department and they will remove the late payment due to my long relationship with Wells Fargo and that there was never any other late payment on the account.
Consumer complaint received 2022-12-15
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. (FL)

false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the XXXX XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have XXXX accounts with Capital One Credit which have been paid on time and never in collections. The oldest account is XXXX XXXX XXXX. 
I received notice from Capital One today ( correspondence dated XX/XX/2024 ) that these accounts were being closed. No further information was provided except that " activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' Capital One did not provide any explanation for this abrupt and extreme decision nor did they provide any means for me to prevent the impending account closure in direct violation of the FCRA.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have tried to have my car put as a Lemon for the longest, with in 30 days of me having the car it was in and out of the shop because there was so many problems with it. I tired calling and getting help and nobody wanted to help! Im literally paying for a XXXX XXXX. And its very scary to even drive
Consumer complaint received 2022-03-25
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: CITIBANK, N.A. (PA)

on XX/XX/24 citibank inquired my credit score and gave me a hard inquiry for a credit line increase i did not request. Tried contacting citi bank to report it as fraudulent and was told nothing can be done.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have two credit card accounts, two checking accounts and one savings account with Bank Of America. Without warning, they closed my two credit card accounts. On XX/XX/XXXX, when I called to ask why a charge on my credit card had been denied, they advised me that all of my accounts were being closed, including my checking accounts and my savings account. I asked why and was told that the bank has made a decision to close my accounts. They would not provide any other information. They would not allow me to speak with a supervisor. The following day, on XX/XX/XXXX, my husband and I went to a branch office and spoke to someone who said the same thing. They also would not provide any additional information. We were told that our checking and savings accounts would be closed as of XX/XX/XXXX. My bank accounts have never had a negative balance. I have no had a NSF notice in several years. I don't have a lot of money in my accounts, but I have a balance in all of my accounts. I pay my credit cards and have never been late with payments. 
On XX/XX/XXXX, I received a letter notifying me that my accounts had been closed. The letter also advised that the bank may report these account closures to agencies that may affect my ability to open an account in the future.

I have been banking with Bank of America for almost 40 years! I have no idea what is happening and I am concerned about my credit rating and how this will affect that.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This company is sharing non public personal information about my relationship with this company in particular they are sharing my credit utilization percentage with non affiliates to which it is in conflict with the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that credit utilization percentage is a transaction and experience to which should be excluded.
Consumer complaint received 2021-11-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

Cold well banker is refuse me as it onwer .the management team .XXXX XXXX  XXXXphone number is XXXX. Refuse me decrimantion .call me XXXX. And I am not. A member of a XXXX  XXXX  a private group .all of this is illegal. He can not decrimantion on me. With this and refuse me my birth certificate rights... ..this is also I'd fraud. Who is take my place it is not me.. Coldwell banker and XXXX XXXX XXXX and XXXX XXXX, XXXX iXXXX XXXXXXXX XXXX XXXX. I am soppose to be a employee .onto said release date says for me too own it .owner and CEO .I believe all of this is past due .my employee pay ckeck is past due sense XXXX. And now my owner ship deed is past due sense XXXX. The IRS is say I owe taxes sense XXXX on this said business ... ..I got XXXX XXXX .also take from me a nother business with this business please share all this information with the other said businesses .too same stuff on them too. Filed in XXXX public contract. On the tittle address XXXX XXXX XXXXXXXX XXXX ga, and XXXX XXXX XXXX XXXX ga, ... ... ..I am owner and co owner of all said information on both these addresses in XXXX .look. At tittle good. All the information in this text spill me out as a XXXX XXXX or XXXX  XXXX. A employee .and it rolls over too owner XXXX XXXXXXXX. I have completed all the time old deceased owner XXXX XXXX XXXX, requested for me too do .sense XXXX. I have been in the ghetto for XXXX years .I have did the time .I do not want too do no more time in the ghetto .it is a panic pamdamic in the ghetto .it a mess out here XXXX and etc is going on all day .. please stop steeling from me XXXXstop give my personal principal address too someone else. Give me everything the contract is say from XXXX up too XXXX of XXXX. Bank account and Corp deeds. ... ... this is a ownership of the business complaint Coldwell banker etc.al..
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CT)

XX/XX/21, XX/XX/21, XX/XX/21 This account was settled on XXXX a zero balance and the account closed. I have tried reaching citibank and cant seem to get a live person you just keep getting transferred to an automated system.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Synovus Bank (MD)

I reached out to just progress credit card and paid my balance in full, 1 year later I applied for a XXXX credit card and they said that it shows that I still owe first progress credit company and thats why they denied my request for credit with them, it wasnt charged off its been paid
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

I'm having issues with Coinbase. They had an offer to complete a course on a new coin they were offering so i did it and the next day I was charged {$50.00} worth of that coin. Which I never agreed to buy this was on XX/XX/XXXX. They charged an old bank account i had left connected so the payment failed. I contacted them the next day and they said i had to pay to keep my account active. So I did and as soon as the payment went through they fully blocked me from my account on XX/XX/XXXX. I then submitted another ticket with my concern where they said I should receive a response from a " Specialist '' in 4-5 days. It's now XX/XX/XXXX with not a single response from my first or second tickets. I have XXXX XXXX and XXXX XXXX on their platform making my account worth well over $ XXXX. This is putting my business in a big bind not being able to sell. I've already lost a huge deal on a new piece of equipment I have been trying to get for a month because i wasn't allowed to pull my money out. I've been emailing them daily I have attached the email string to show how unresponsive they are.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ny XXXX contact information XXXX. My complaint is that selene finance loan XXXX ne er transfer my XXXX dollars that's still sitting in suspense. What happened was that my loan was transferred from my old lender XXXX XXXX XXXX XXXX. So that caused a delay in me making a XXXX dollars payment in which my new servicing company called Selence finance received on XX/XX/2021. I couldn't pay the difference of my modification trial before XX/XX/XXXX because my new servicing company called Selence finance didn't have my payment in their system yet that was being sent from XXXX XXXX XXXX XXXX when it was sold. .so what happened was that I spoken to customer service on XX/XX/XXXX and they told me don't worry you still have time to pay the difference of XXXX for XXXX trail modification payment as long as you get it in before the end of XXXX. Even it's due on the first you have like a grace period. So when I talk to a representative in collections dept she said when I pay the XXXX payment they will put in a request to transfer the money from suspense of XXXX dollars to my other payment that I make of XXXX dollars on XX/XX/2021 to satisfy my XXXX payment. Then I'll be due in XX/XX/2021. But when I called on XX/XX/2021 I'm getting the runaround in getting the XXXX dollars transfer from suspense to cover my XXXX payment. It's not my fault her that that I make my payments XX/XX/XXXX reason was that my payment information was transferred XXXX XXXX XXXX XXXX to selene finance and they up loaded it after XX/XX/2021 so they should update this information correctly in the billing system. When I made a prior complaint. The letter from selene finance states that I'm on a modification. It. XXXX from XXXX XXXX title resolution team. Can you please have her update my payment and transfer the XXXX dollars to my XXXX payment I also pay XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have had long-standing problems with Equifax. Ever since I sued them for their breach of credit data, we have had great difficulty getting them to unfreeze our credit reports when we seek to refinance. 

I have been trying to get it release all fall for a refinancing we need to do. I have detailed my experience in a blog I posted on my website XXXX. The link is XXXX XXXX XXXXXXXXXXXXXXXX XXXX 

I have tried faxing, at least twice, and mailed the paper requests. Again today, XX/XX/2021, I got letters from them requesting the same information I have sent in twice before. The certified return receipt was stamped XX/XX/XXXX. The date on the statement we need to submit is XX/XX/XXXX. We have submitted all this information multiple times.