davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

So i have been dealing with fraud charges that were taken from my account and have had the worst experience with Bank of America prepaid, so much has happened with their negligence that there isnt enough room for my to type but, so basically i have called to file a claim for fraud charges to my account, and everytime. They leave abunch of charges out which makes me have to file new claims, and they keep leaving charges out of them, and they say they cant tell me which charges are on which claims so i can know what was left out, so i went through my statements and wrote down every single fraudulent charge and the total comes out to {$14000.00}. And as I mentioned I have had to file about 12 claims because of how the fraud department has been horrible handling this in which I have complaints against, but the total they have paid back so far is {$8500.00} through 11 claims i believe. Leaving {$6100.00} still owed to me and I currently have an active claim that's been denied once and I put in for reconsideration, and I would like to add probably 99 % of the claims I filed were denied at first but when I put in for considerationS, they end up finding them in my favor, but the claim still being reconsidered is claim # XXXX for the amount of {$4300.00} which still doesn't cover the remaining balance still owed to me... Now I want to also point out that this has been the worst experience with any business I have ever had, and dealing with the claim department and process is absolutely a night mare, I called soo many times to have to reconsider claims that were fraud, just to call back a week or 2 later to check in on claims to find out they never even filed a reconsideration, they leave out charges all the time, and I even HAD A MANAGER CALL AND THREATEN ME ON MY CELL PHONE AFTER GETTING OFF THE PHONE WITH HER. I filed complaints and I don't feel safe knowing she has access to my social security number, my home address, and banking information and accounts.I HAVE ATTACHED XXXX ATTACHMENTS THAT INCLUDE ALL OF MY FRAUDULENT CHARGES SINCE BANK OF AMERICA HAS LEFT OUT SO MANY CHARGES ON DIDFERENT CLAIMS AND WONT TELL ME WHICH CLAIMS GO TO WHICH CHARGES SO I CAN FILE A CLAIM FOR THE REMAINING SO I HAD TO INCLUE THEM ALL..AND IF YOU NOTICE, EVERY SINGLE CLAIM BEFORE THIS OPEN CLAIM IN RECONSIDERATION BECAUSE IT WAS INITIALLY DENIED, BUT ALL CLAIMS BEFORE THIS WERE DECIDED IN MY FAVOR AND THESE ARE ALL THE SAME TYPE CHAEGES AND ITS HORRIBLE THAT I HAVE BEEN DEALING WITH FIGHTING TO GET MY MONEY BACK INTO MY ACCOUNT..
Consumer complaint received 2019-07-26
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. (WA)

Equifax is reporting incorrectly a collection of ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$260.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

I am trying to add my loan number XXXX with property address XXXX XXXX XXXX XXXX NJ XXXX to my existing online profile. The online system is extremely buggy and there is a lot of error and I have called the company and emailed the company many times, but they could not resolve my problem.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CO)

I have/had two cards from this company Comenity Bank. XXXX and XXXX. They closed my XXXX card without notifying me through call, email or mail. They lowered my credit limit on my XXXX card as to make me over the limit immediately due to late payments without notifying me via call, email or mail. being over the limit affects my credit score. 
In XX/XX/2021 I was behind, they have made a few phone calls in XX/XX/2021, I got caught up. 
XX/XX/2021 I had not yet made a payment. On XX/XX/2021 This creditor called my before XXXX XXXX and left me a voicemail as well Obviously contacting anyone regarding a debt before XXXX XXXX is illegal. 
I refuse to be harassed by this company because they can't follow the law. Then they punitively punish me because I'm behind on ONE card and my other has a PERFECT payment history and they closed it anyway and drop my limit as to insure I'm over the limit on the open account. In what world is this acceptable and ethical? 
I will not have my peace disturbed before XXXX XXXX. My Payment is due the XXXX and these people call me illegally on the XXXX before XXXX its predatory, its harassing, its unacceptable.
Consumer complaint received 2023-04-04
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. (VA)

I was contacted by XXXX XXXX XXXX, through email, that my new Credit Card was on its way to me. I did not apply for, nor authorized anyone to apply for, a credit card with this company. Once I contacted the customer service department to cancel the account, I recieved a email congratulating me on the completion of an application for The XXXX XXXX XXXX Credit Card. Once i requested a credit report from all XXXX reporting companys Experian should a 3rd credit card opened by XXXX another XXXX XXXX i guess. All of these accounts were opened around the same time XXXX i did not authorize any new credit card accounts to be opened in my name!
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (KS)

I am to receive  XXXX  points for every dollar spent at  XXXX   XXXX  locations. I am only receiving  XXXX . I filed a compla int  X/XX/2017  reg arding this issue . Case #   XXXX . It was resolved i n  XX/XX/XXXX .    M y  XX/XX/XXXX statement is showing ag ain  XXXX  points per dollar for a total of  XXXX . It should be  XXXX .      XX/XX/XXXX  statement is accurate.
 XX/XX/XXXX    statement is inaccurate. I should receive  XXXX  points.     XX/XX/XXXX  is sh owing  XXXX  pts per dollar again.   As I stated in my previous case, this is false advertisement and fraud.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

I have XXXX mortgages with PNC, the XXXX mortgage has an adjustable interest rate, the XXXX is going to mature next year, at that time the payment on the XXXX mortgage will XXXX. I reached out to PNC mortgage in hopes to do a XXXX mortgage loan modification, during the process they established an escrow account without my consent and offered to extend my loan to 40 years, ( from the current XXXX I have left ), and increase the interest rate for a $ XXXX/dollar savings per month. This offer was a slap on the face and clearly will put me in a worst situation in the long run. 
My loan package, per PNC guidelines, contained over XXXX pages of information.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. 

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Carvana Group, LLC (WI)

On XX/XX/XXXX I sold my car to Carvana. I had used an account that was closed for my payment from them. The bank confirmed that the payment was rejected and Carvana now still hasnt paid me in 3 weeks even though they have my car and I have no money.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CO)

Hello, I applied for the Home Depot credit card today ( A Citi store card ). Upon being approved for the card, I was shown a credit limit of {$600.00}. I then got an email advising I had a credit limit of {$1000.00}. I find the contradiction to be a major problem in keeping terms understandable to consumers. 

I called Citi cards and they further couldnt / wouldnt give me ( a consumer ) any information about the due date, bill cycle or talk to me about how the APR was calculated. Total stone wall job. I am a consumer just trying to get the basic details about how the card worked and no one wanted to give me the information. As a consumer, how are we supposed to know any of the terms of the credit cards we sign up for when these organizations refuse to provide it? Further, how can they offer a different credit limit in two different documents ( both of which I have ) and not honor the {$1000.00}? 

Citi cards also *asks* callers for their cell phone number so they can send the cell phone number a text - which makes no sense. Why wouldn't you text the number you have on file? Think about it - I am an XXXX - you ask for my number and I give you a number and you text it - I give you the code - you now have access to my information. This is a major security loophole if you ask me. 

After being a customer with Citi cards for nearly 2 decades, I am having to file a federal compliant because I cant get the credit line I was already approved for based on a hit on my credit or any information about the card. I think these folks need more regulation and I need a resolution. 

Thanks, I talked to : XXXX - Credit Supervisor Team XXXX - XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There's an account that's more than XXXX XXXX XXXX for XXXX XXXX  that should not be on there ( opened XX/XX/2015 ). Also, there's an account showing for XXXXXXXX XXXX The loan type states " buyers debt '', which is incorrect. It was for an auto loan with XXXXXXXX XXXX. This is on Experian credit report company. I was able to get this removed from my XXXX report, for this valid reason. Experian denied my dispute.
Consumer complaint received 2021-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Vance and Huffman would verify the debt. So I took it upon myself to ask Vance and Huffman for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, This complaint is regarding lack of transparency in sharing Credit Score by the credit bureaus. This particular one applies to my recent interaction with XXXX  on XX/XX/XXXX. I saw my score dropped by XXXX points since last month. Earlier, it was a long 9 points drop on the note that " one of my credit card had closed and the file was thin ''. However, I haven't had any hard inquiries on my file since XX/XX/XXXX. When I ask the representative how did they determined my current score at XXXX. The agent replied I should check with my Credit Advisor. Now, I don't know who is that? So, I asked for who were they referring to? The agent replied-check with the bank because the bank provides them the info. Now, I have not missed any payments and all my credit cards current - and, this info. also shows on their credit reports but why my score went down? the agent had no answer. I plan on applying for a refinancing but with a score of XXXX my chances of getting a good rate is beyond bleak. I am disadvantaged. It is difficult to get a home where I live on top of everything else my score which is the only important tool for me to negotiate with lenders is putting me down in the game. 
I would like to request your office to share any guidelines for an everyday consumer like me who have no idea how this most important area/scoring works? Or, if there are no guidelines and it is up to these 3 credit bureaus to run our lives then I must write it is time that we need to take a look at the current system.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has been inaccurately reporting my XXXX credit card account for the past two months. Please see attachments of my XXXX Credit Card statements versus what Experian continues to report the same inaccurate balance multiple times in one month causing score decrease.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (GA)

Early Warnings will not give me my consumer report, I have been denied bank accounts, and I want to know why. I have went on there website completed the request form, submitted online and received no response from the company has been about a month.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are 1 unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX XXXX  XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

This company keeps calling my phone # and I have asked them not to call me anymore. I told them they need to only communicate through mail we me about this so called debt. Below is just a few dates they have called. There are many more that I did not write down. 
XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX  XX/XX/22 XXXX XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
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. (NJ)

Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/Equifax and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.
Consumer complaint received 2018-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This complaint is in reference to previous complaint # XXXX. 

We received a response from Bank of America. We are challenging the information in that response. Their response came from XXXX XXXX with the firm XXXX XXXX XXXX. The letter does not state what happened in the beginning. We ONLY sued B of A because they told us in XXXX that the only way to get our name off of the mortgage was to sue them. We have copies of the emails between our attorney & Bank of America that clearly state they were not going to honor our previous agreement. A " Cash for Keys '' settlement was done in XXXX of XXXX. It was our understanding that a Cash for Keys was the same as a deed in lieu of foreclosure. We were told by our attorney that B of A would take over the home 2 weeks after the settlement was done. Bank of America never took title. Bank of America has been paying taxes on the home since XXXX. Why do they do that if they say we own the property. As far as we know, there are no tax liens on the home. 
I ( XXXX ) have been in contact with XXXX XXXX. He has said that a Cash for Keys is not the same as a deed in lieu of foreclosure. We find that very odd because we have many friends who went through the procedure and the bank took title to the homes. He proceeded to say we needed to call XXXX XXXX XXXX XXXX because he only deals with California, not Nevada. Why, then, was he the one who responded to our first complaint. Once again, we are getting the run around from the bank. 
We have contacted XXXX XXXX with the XXXX XXXX XXXX in Nevada per your suggestion on XX/XX/XXXX. He is trying to arrange mediation with Bank of America.