davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I setup recurring payments to pay down my credit card bill using their online automatic payment system intending to pay down my bill. Bank of America charged me a late fee every month I  made payments in increasing amounts. {$25.00}, then {$38.00} per month. 

After talking with a representative on the phone, they said my payments did not post on the right day. Monthly payment software system allowed me to make payments after due date. Payday loans also work in this manner. Allowing clients to post payments after the due date and adding late fees. There were also no phone contact with the company or messaging. I also explained that I have been a customer for 13 years.
Consumer complaint received 2022-05-18
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. (MS)

XXXX, XXXX, Equifax violated : 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. 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.

When I explained this to the reporting agencies they only updated the accounts even though it's proven identity theft, incomplete, inaccurate information in my consumer report XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Please contact me to explain what information needs to be in a suite when you proceed pro se or point me in the right direction... .ps I tried to provide supporting documents for my previous disputes but the web site doesn't support the size of a screenshot of my id or any other files. When struck with this a couple days later that's when the results came back as updated ... ps I like how at the end of this complaint we have to check to give you authorization to even access my report.
Consumer complaint received 2022-05-18
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. (CT)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXXXXXX XXXX  XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$5900.00} ), XXXX XXXX, ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$200.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

Bank of the west fraud claim - bank account number XXXX Claim # XXXX Unauthorized ACH debit in excess of {$620000.00} were debited by XXXX XXXX I discovered the fraudulent charges on past statement and filed police report. I was advised I need to dispute directly with the bank/merchant to recover the stolen funds. I went back and forth with XXXX trying to resolve these but I was told I'm not the account owner of tdameritrade account and I will have to dispute directly with bank of the west. 

XXXX I signed the written statement of unauthorized ach debit in branch, was advised I can only dispute charges within the last 60 days so I filled forms for total of {$620000.00} dating fraudulent charges from XXXX to XXXX XXXX I received a call from bank of the west ACH department, inquiring if I knew someone name XXXX XXXX XXXX I responded I do not know anyone by that name. 

XXXX received a letter informing the claim is being investigated. 

XXXX received another letter telling me my bank accounts are on investigation freeze XXXX temporary credit are taken from my bank accounts and my claim is denied. I called the ach department back and request to escalate to a supervisor. 


According to the person works in the claim department The reason for declining, is that I did not report the prior fraudulent transactions before the claim, which at the very beginning of claim process I was told I'm responsible for those losses and they can not dispute anything over 60 days. Furthermore, bank of the west accused me authorize these transactions, which I never did ( thus far, no one can provide a proof of authorization for these electronic debits ). 

I further attest I do not own nor benefits from XXXX products.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 i filled a dispute for an amount of {$4300.00} since my ex partner stole my belongingsn including wallet, cell phones, debit cards and unauthorized use my debit card. Bank of america within 7 days resolve the claim and closed the claim denying me the claim. Bank of america resolved and close the claim before even the police had done their report and investigation, my ex is currently in jail and i got the case number which states that he is currently on jail that he had used my debit card without authorization. For my bad luck i had to filled a new claim on XX/XX/2022 for the amount of {$2200.00} XXXX made to my sister that was take out of my money balance and never received by my sister. I called bank of america on XX/XX/2022 and spoke with the fraud department and asked for any updates since they had already told me it was goin to take up to 10 days to recieve an update, they told me there was not result yet and that in 24 to 48 hours they souldve have the claim resolved. On todays date XX/XX/2022 i verified the claim status online and it also said dispute denied. i called yesterday saturday XXXX XXXX  and they told me the dispute department was closed saturdays and sundays so how is possible that the claim was resolved denied during the weekends while the dispute department was closed, make it look like the dispute was denied and closed by automatic system and there was none investigation 's done by bank of america i have not received for any claims any investigations paper work and an explanation from bank of america of why my dispute was denied. Federal regulations ''Regulation E '' 12 C.F.R.205.11 ( D ) ( 1 ), requires the bank to provide a written explanation of the findings of their investigation into my disputes. The institution 's report of the results shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination.

I have always all accounts and just started a new business and put my trust in bank of america and also open a new business account i would be closing my personal and business account and would never refer any family or friend to use this bank
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (FL)

I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY EQUIFAX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-29
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. (NJ)

An account named XXXX XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get equifaxs results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for fraud!
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE (GA)

In Late XXXX, XXXX I contacted Barclays to check on an ongoing research and recovery of my account information by Barclays to possibly reach a settlement on my XXXX Extra point reward card ( XXXX XXXX ). I spoke with XXXX in the collections department He told me congrats that settlement offer agreement went through and he gave me the details of the agreement such as 3 lump some payments of XXXX to be sent in starting on XXXX XXXX, XXXX XXXX and XX/XX/2021. XXXX told me also that my settlement letter will be mailed to me I asked for an email as well. I felt good since I had followed what the Federal Trade Commission recommended to settle directly with my creditors. So now I made the first of three payments on time and it is XXXX XXXX. And. Barclays still has not sent me my copy of the settlement offer agreement letter. I am told that the settlement is in place that it is a computer glinch and not to worry. But I am worried because all other creditor I settled with sent the letters and I want to make sure that I am protected against deceptive collections practices by the Federal Trade Commission. I just want the letter And the settlement that I am promised on their recorded phone lines. I want resolve between me and one of my good creditors. Thanks
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I moved out the XXXX  in XX/XX/2018 through XXXX which was residents manager. I have the letter of her accommodating my request. My request way due to harassment by neighbors and the account manager XXXX. I'm a veteran that is XXXX XXXX XXXX and XXXX from the Military and behavior like I received from the XXXX  was not expected. However I did have damage to a door in the apartment and me and XXXX discussed the door then printed out my renters insurance so it can cover it. One month later after XXXX ( apartment manager ) transferred from the apartments, XXXX emailed me a bill stating I owe the apartments. After numerous times of Calling and emailing trying to resolve this issue I got noting. I've tried disputing with the IQData international which is the debt people that took over in XXXX after I noticed it was in my credit report. 
I reached out to iq data international and they were rude he wanted me to pay more then I saw on my credit report. I've tried to settle this many times. He was demeaning towards me being very abrasive towards me. Aggravated my XXXX and XXXX. Due to this unforeseen matter it lead me to be homeless for several months had to reach out to the VA, it leads me to denial after denial. I've done my due diligence to the my country and the XXXX. I've attempted many times again to resolve this before it reached my credit report. I request that this be removed because not only because I'm still not stable but this is impacting my health also. I've been to therapy on many occasions because of this matter. I seek resolve immediately so that I can start my life back on track mentally.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2022-05-15
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. (GA)

I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2019-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

In XX/XX/2018 ; my loan amount exceeded XXXX citing an interest rate increase from XXXX a month to XXXX. Each time I spoke with a representative there was a different reason and what they could do to help. In XX/XX/2018 I uploaded tax forms, check stubs and application. The documents were never reviewed by Navient. They would not negotiate a lower payment with documentation that I could not afford the payment and would not hear what I could pay. I was threatened with garnishment and loss of teacher certificate unless I did a forbearance. Thiss loan has ballooned to XXXX. As a math teacher this is a pure SCAM. I will never pay this loan off ; they will not take partial payments. I get no mail until I request and every representative has a different script. Presently they are asking for XXXX per month. My take home monthly pay is XXXX. I can not pay any bills with this payment yet I keep trying to work things out. Presently, Ive asked for a different loan. They have each of these loans listed as 13 separate loans. Some as low as XXXX and reporting it to the credit bureaus as 13 separate loans. I try to give them a number I know I can afford and pay ( XXXX a month ) and they still wont take it ; however if I lose my certificate and my job they wont get anything. Im frustrated. I am hoping the documents I send today will show that I can not afford such balloon payments and the only option they offered was IBR yet I am eligible for a lower % age payment. Please help! 
Drowning in Georgia
Consumer complaint received 2019-01-24
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: CITIBANK, N.A. (NY)

CITICARDS CBNA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CITICARDS CBNA along with a notarized affidavit claiming fraud. CITICARDS CBNA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CITICARDS CBNA to close their files which have any information with my name & social on it ...
Consumer complaint received 2022-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NJ)

Good Day, My name is XXXX XXXX, New Jersey, XXXX. 
I am complaing Xoom Money Transfer Company ( A XXXX COMPANY ), XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX, Phone : ( XXXX ) XXXX for delaying these 2 specific transactions # XXXX and # XXXX. 

Those 2 transactions were initiated on XX/XX/XXXX and XXXX XXXX and up to NOW its still on DELAYED STATUS, " VERIFYING RECIPIENT 'S INFORMATION '' While these 2 transactions status are DELAYED, the funds were already taken out of my XXXX XXXX a couple of days after they were intiated. And up to now, the money xoom took from my bank is not with my recipient nor with me for an extensivle long time and did i try to email them TWICE and no one will respond to my email to explain why this is taking so long and them holding my money from me and from my recipient. I have sent MULTIPLE MONEY TO THIS PERSON prior to these transactions and they all went thru very quickly With no delays and I even sent MULTIPLE MONEY to the same person AFTER THESE 2 DELAYED TRANSACTIONS and they even went thru first. 

I have tried contacting XXXX XXXX to ask if they know what happened to my money, XXXX said the money were extracted by xoom and XXXX cleared it so XXXX did complete their end and do not know what happens after that, but XXXX confirmed to me that XOOM SUCCESSFULLY EXTRACTED THE FUNDS. 

I ALSO contacted my recipient asking if xoom has contacted her to " VERIFY '' her account and xoom NEVER REACHOUT to her to and give her status nor updates nor nothing about the money. 

I am frustrated, its pandemic and xoom is holding my money from me with no representitive from xoom to explain what is going on. No phone calls, no response to emails NOTHING. MY MONEY IS WITH THEM, NOT WITH ME, NOT WITH MY RECIPIENT. 

Please CFPB, I really really really need your help. I am a nobody in the face of xoom so i need somebody ( CFPB ) yo help me get answers from them for why they are holding my money AND NOT RESPONSING TO OUR inquiries about delayed transactions that need confirmation OR verificiation out of the blue, even arfter MULTIPLE MONEY TRANSFERS TO THE SAME PERSON BEFORE AND AFTER THESE 2 DELAYED TRANSACTIONS.

Please Madame/Sir from CFPB, help me. 

And I thank you in advance CFPB.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$17000.00} US DEPT ED XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kubota North America Corporation (MS)

I, herein Affiant/Consumer, a living Heir, breathing woman, being first duly sworn, depose, say, and declare by my signature that the following facts are true, correct, and complete to the best of my knowledge and belief. 

XXXX. THAT Affiant/Consumer is competent to state the matters included in his/her declaration, has knowledge of the facts, and declared that to the best of his/her knowledge, the statements made in this affidavit are true, correct, complete and not meant to mislead ; XXXX. THAT on or about XX/XX/2021, Affiant/Consumer sent a legal document entitled COPYRIGHT/COPY CLAIM AFFIDAVIT UNDER CONSTRUCTIVE NOTICE and Cease and Desist to Kubota Credit Corp/ Respondent via Certified Mail with Return Receipt giving notice of dispute of the debt under 15 USC.

3. THAT Respondent had fourteen ( 14 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts and agreed that the undersigned can exercise remedy afforded by HJR 192, codified at 48 stat. 112. 
XXXX. THAT Respondent isnt given any additional days to contest Respondents Acceptance as to the stipulated agreement based upon silence, acquiescence, and therein tacit agreement.

5. THAT the Respondent is Noticed that Respondent is in Default, failed to contest acceptance and is in agreement.

6. THAT Respondent has continued to communicate with Affiant via phone and cause major grief to Affiant/Consumer. 
XXXX. THAT Respondent has continued to communicate with Affiant via mail and cause major grief to Affiant/Consumer.

8. THAT Respondent has reported to consumer reporting agencies that Affiant/ Consumer has not paid the disputed debt.

Without Prejudice, UCC 1-103, 1-308 and 9-311 et al
Consumer complaint received 2016-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SD)

I have a XXXX student loan. In the process of forbearance and being sold now 3 times somehow it is charging me twice for the same loan. I have sent in my original loan. I have sent in proof of this and get no where with these people. This has caused me not to be able to buy a home the last 4 years. I have sent in multiple complaints to the companies and the different bureaus. The loan then gets moved to someone else. I am so upset with this.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}