davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America did not notified when they issued a new debit card after expiration so the fraudster got a chance to steal my card from the mailbox. On XX/XX/2022, I have experienced sim card swap attack where fraudster took over my phone and hacked into my Bank of America checking account and updated my email and phone number. On the same day, fraudster withdrew {$1500.00} from my checking account. When I reported the fraud activity, the money was still in pending state but BOA was unwilling to take action to stop the fraudster from withdrawing my money. BOA was unable provide an explanation of how the money was taken from my account. I also filed a claim for the money stolen and have not yet received a response from BOA. 

BOA also refused to provide me an affidavit statement to prove this incident which is required by the Police in order to file a police report. I went to BOA branch 2 times and spent hours speaking to the Branch bankers but no one was willing to assist and help so I'm unable to file a police report.
Consumer complaint received 2019-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am asking equifax to give me my rights under the federal trade commission fair debt reporting act, title 611. ( a ) ( 1 ) ( A ) ( B ) ( 4 ) ( 5 ) ( A ) ( i ) ( ii ) .I have requested the below listed accounts, be reported pay ststus paid and XXXX balances.as of XX/XX/XXXX by certified mail # XXXX, sent with is 4-1099-c forms/a 1096 form, accounts as follows ; ending accounts number only ; account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XXXX of the accounts need a status opf paid with XXXX balances. -- -- -- -- 4-1099-c forms/a 1096 form was sent to the c.f.p.b. dated XX/XX/XXXX by us mail.
Consumer complaint received 2019-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contact the credit bureaus 4 times already.

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Date XXXX
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.
Consumer complaint received 2019-06-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (IL)

During the beginning of XXXX, I applied for a personal loan with the Cash Store in XXXX, Illinois. This store is a division of Cottonwood Financial, XXXX XXXX XXXX, XXXX, Texas XXXX. 
At the initial loan interview and agreement I was to make one monthly payment because am on Social Security. The loan was for {$300.00} plus 20 % interest and to pay back {$360.00}. My initial payment was to be in 10 monthly installments. When I got the request for a payment, it was {$120.00} and a second one in the middle of the month, I was appalled at the values as I never agreed to any of the amounts they claim. They told me they were going to come into my account at the middle of the month and take a payment. I told them not to do that as I was broke and there was no money in the account. They did that anyway.I am now refusing to pay the account and they hide all the names of people to contact to straighten out the problem. 
My husband actually audited the account and fond out where the company slips in hidden money values, that are nor obvious in the document nor were ever brought out in the open discussion. I was born with XXXX and needed to have everything spelled out for me, but they only told me I can read the rest at home. They neglected to assist me with the knowledge of payments. My husband cn prove they are misleading, deceptive and intentionally fraudulent. This company has just lost a XXXX Lawsuit for over charging in interest and, I believe that shows fraud. 
I believe they should pay back my first payment of {$150.00} and be investigated for misleading and deceptive business practices, fraud and XXXX discrimination against me because my reading ability is not the best. An analysis of what they have done and an explanation are available on request.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (NV)

On XX/XX/2024, at about XXXX XXXX  I called the number XXXX XXXX XXXX thought I was calling Robinhood to transfer my funds to my checking account. After a lengthy Verification, the person at the other end of the phone manipulated my phone from his end and told me that the money will be in my account in XXXX minutes. He asked for my checking account number which I refused to give when I suspected fraud. He then asked for my XXXX XXXX information and asked me to send him XXXX via XXXX XXXX. I refused but he continued to tell me that the money will be in my account in XXXX minutes. I ended the cnversation but when I check my Robinhood account I saw where my {$1300.00} was transferred to XXXX a XXXX account under Robinhood. I contacted Robinhood via text who said they could not help me to get it back. The Wallet address they gave me is XXXX Please help me to retrieve my money from Robinhood.
Consumer complaint received 2019-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

There is a XXXX XXXX XXXX XXXX XXXX report for a utility ( natural gas ) on my credit report for a company I did not have an account with. I have submitted disputes twice, but the collection agency will not prove or remove the collection account. I have receipts for all my natural gas payments in my online banking account and in my email. However, it has not been removed by the credit agencies.
Consumer complaint received 2019-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a XXXX XXXX XXXX XXXX XXXX report for a utility ( natural gas ) on my credit report for a company I did not have an account with. I have submitted disputes twice, but the collection agency will not prove or remove the collection account. I have receipts for all my natural gas payments in my online banking account and in my email. However, it has not been removed by the credit agencies.
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had been banking with Chase Bank for over 25 years. On XX/XX/2019 they sent me a letter ( which I received XX/XX/2019 ) stating they had decided to close all my accounts ( Checking and Saving ) with them. I went to their branch near my house and spoke to the branch managers that I had been seeing all these years and they logged in to my account only to find out that no new account to be open for me and no additional reasons to be provided on their decision to close my accounts.
Consumer complaint received 2023-07-24
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: JPMORGAN CHASE & CO. (IN)

I spoke with an representative at Chase Banking today, XX/XX/2023 concerning an email alert I received today from XXXX XXXX of a hard inquiry for credit. I informed the representative I did not apply for any account or credit line of any sort with Chase Banking and she said she will stop the application, mail me some fraudulent information and my credit report should reflect the correction with 30 days. I have placed an freeze with all three credit bureaus. I also spoke with an representative from XXXX who flagged the incident as fraudulent and directed me to this site make an identity theft report.
Consumer complaint received 2019-06-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I began my initial auto lease for a new vehicle XX/XX/XXXX and picked out a new car XX/XX/XXXX. I was informed that Nissan would pay the last two months ( XXXX and XXXX ), open balance on my Nissan Finance account as an incentive for the new purchase. My issue is, I had accelerated my payments over the past three years with a current balance of {$150.00}. 

In writing up the new sale, there was no provision for the actual {$540.00} to allow for the actual two months payments. 

I think Nissan should give me an allowance for the two months even though I met the payment obligation.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

Compass bank made sure to put my account - {$3.00} despite having the funds in there so they could charge a NSF fee of {$38.00}. I had transfered {$20.00} which made it to the good but they put the other charge through first to make sure it was negative. With that, it cause my account to be negative again when my XXXX  for {$3.00} went through. I want to make sure the negative {$38.00} is refunded due to their illegal tactic to charge bogus fees.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (KY)

On XXXX  XX/XX/year> I contacted chime because I used an ATM at XXXX on XXXX  XX/XX/year> and the first time I withdrew XXXX XXXX  because that was the max at a time so I used my card a second time to withdraw another XXXX XXXX  and that time I got a receipt but no money. Well I told chime it didn't dispense the money and that it was XXXX  XX/XX/year> at XXXX XXXX  which was the second transaction well they had it filed as XX/XX/year> at XXXX am which was the first transaction that had gone threw so that dispute was denied so I contacted chime XXXX  XX/XX/year> and explained to them it wasn't the XXXX transaction, it was the XXXX transaction well they fixed it and it says it's under investigation and will be resolved by XX/XX/year> which is fine buy I got an email from chime saying my chime account will be terminated on XX/XX/year> XXXX
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid XX/XX/2017, we have been paying the account outright.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have contacted Equifax to dispute this information. I find it very disturbing that I am speaking to someone in another country giving them all my personal information. These are countries that a known for fraud. I spoke XXXX employee # XXXX at the XXXX XXXX call center. Requesting bank statement, drivers license, mortgage statements. This facility has had a data breach in 2018. Why am I giving my personal information to overseas call centers? How can I get my personal information corrected?
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I received by email a promotional offer from Bank of America ( attached to this complaint ). The offer states that if I open a Bank of America Advantage bank account by XX/XX/XXXX and set up direct deposits totaling {$4000.00} or more within 90 days of opening the account, Bank of America would deposit a {$300.00} reward in my account within 60 days. There was also some fine print, which I have read and none of which disqualifies me from the offer. 

In response to the offer, I opened and funded a Bank of America Advantage SafeBalance Banking  Account on XX/XX/XXXX, and set up direct deposit. I then received direct deposits of {$3500.00} each into the account on XX/XX/XXXX and XX/XX/XXXX. Combined, these of course exceed the {$4000.00} required to qualify for the promotional offer, so I expected to receive the {$300.00} deposit from Bank of America within 60 days. However, by XX/XX/XXXX, I had not received the {$300.00} deposit. That day, I called the company about the missing deposit and spoke with XXXX from South Carolina, who told me that my inquiry had been escalated to the sales department and they would take up to 30 days to investigate. ( I'm not sure what would take so long, since the promotional email takes only minutes to read, as does verifying that I had met the requirements. ) As of today, 40 days have passed and I have heard nothing more from Bank of America, nor has the {$300.00} been deposited in my account. The company has not held up their end of the deal they advertised. 

My complaint today is about the above, but it's worth mentioning that this is not an isolated incident. On XX/XX/XXXX, I received a similar promotional email offer from the company. That offer invited me to open a qualifying account by XX/XX/XXXX, and make two qualifying direct deposits of {$250.00} or more within 90 days of opening the account, after which the company promised to deposit {$100.00} within 60 days. I met all the requirements by XX/XX/XXXX, and yet the company did not deposit the {$100.00} within the promised timeframe. I had to call the company numerous times and even make a physical visit to a branch before the company finally made the deposit they had advertised in the promotional email inXX/XX/XXXX. They were delinquent by more than five months on the timeframe they advertised. ( Note that thisXX/XX/XXXX account does not disqualify me from the XXXX promotion because I closed that account in XXXX and was not a signer or owner of a Bank of America personal checking account between then and XX/XX/XXXX. ) It appears to me that the company 's strategy may be to entice potential customers with promotional offers that they do not intend to honor, and to drag their feet when customers inquire in hopes that the customer will forget about the promise or be too busy to pursue the matter.
Consumer complaint received 2019-04-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (IL)

I filed jointly with my husband for the first time this year, and we were told we would get a refund of {$1400.00}. We received a notice stating that our entire refund was being offset to defaulted student loans. My loan servicer XXXX notified me that while I was behind on payments that I had not yet defaulted on my loan or entered " pre-default '' yet. I contacted the debt collection agency ( XXXX XXXX XXXX ) who were very helpful to a point, asking lots of information bout my household income, and lots of info about our expenses. When I asked when i had defaulted on my loans they informed me that they had taken over the loans in XX/XX/XXXX, but they were not able to provide me with info as to who my loan servicer was prior to this.The provided me with number to contact to inquire about this information. I reached out to the loan locator number they gave me and found out that my loans were being serviced by Nelnet prior to them being sent to collection in XX/XX/XXXX. 

In XX/XX/XXXX I contacted a company that was helping people with filing for a debt forgiveness program through the government. The company needed my PIN and asked for {$900.00} up front to use as good faith payment to XXXX ( may have been under XXXX XXXX still at the time ) and they also used up my last deferment I had available to me as part of the process. I would never had agreed to this process if I had not had two other people I know go through this process and have their loans drastically decrease. 

On the XXXX website they have multiple stafford loans listed as consolidated or not owed. And I had assumed that this was because the loans had been paid and processed by the government program I had signed up for. But now I am not sure. I do not remember receiving anything from XXXX that my federal loans were being handed by another loan provider, and if i did i would likely have assumed that due to the program I had worked with that this info did not pertain to me. 

The current loan holder and debt collector have stated that they will help me get out of collection if I make payments that are between {$480.00} and {$440.00} ( both amounts which i have informed them that I can not afford pay ), for a consecutive 9 months, and then my debt would be moved to yet another loan servicer. I was informed that because both my income and my spouse 's income were being used to calculate what I was expected to pay, regardless of what I as an individual were able to pay, that was low as the payment could be made. The only other option offered to me was that I could open another loan through an outside company ( that i would have to find ) and pay off the defaulted debt all at once, and that they would waive the late fees associated with account. If i did not do this, then I would be paying on the total amount due of over {$42000.00}.
Consumer complaint received 2019-06-16
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: EQUIFAX, INC. (AL)

My credit report is reading that my accounts are closed and is causing harm to my reputation. I have yet to get a response about this debt after I have written letters to have it verified or removed. My account balance is showing {$10000.00} in total from all accounts. If it can not be verified, I would like the invalid information to be deleted. I have no original documents with my signature stating that I owe any collection agency any money for whatever reason. My status is reading in collections! At one point I was receiving numerous of phone calls being harassed that led me into changing my phone number. I want to be done with this for good. Please help!