davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

Card provides promotional no interest and low interest terms on qualifying purchases. They are very deceptive and fraudulent in the manner that payments are applied in order to maximize interest payments. They offer calling to 'reallocate ' payments towards interest bearing balances which I have done consistently and yet the payments are still off - to date by $ XXXX to date ( harm to me is in extra interest inappropriately charged. ) Was told today ( new information ) that my previous direction to call in was incorrect and that I could only appropriately steer a payment to an interest bearing balance by calling at time of payment ( company does not allow consumer to direct payments, company required to by involved ). I have called and talked about the interest and inappropriate allocations many times and today was the last straw after the escalation specialist hung up on me. The person I talked to understood the problem and said 'any interest charged at billing is due and can not be refunded '. -Not when I ca n't apply a payment to an interest bearing account through no fault of my own!
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I open the account on XXXX XXXX With Bank of America XXXX XXXX XXXX XXXX XXXX the associate name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the account was closed {$830.00} XX/XX/2021 with out my permission I went ones to the ATM to take out some money from my account and it said account closed, talk to a associate inside the bank, so I did, I talk to a associate from the branch from XXXX XXXX Bank of America and he couldn't answer me what happened to my account and my money, he told me call the customer service line or make an appointment, I told him an appointment for what if you are gon na tell me same thing duhhhh, so I did call the customer service line and they answered that they didn't know what happened or who from bank of America closed my accounted but that I would be receiving in my mail a cashier 's check for {$830.00} in 7 to 10 working days, well I never received nothing then I called them again after a month and then they told me it would be 90 working days now, I said ok, well it's being a year now and I need and want my money, because I worked hard for it, it's not fair and not rite that bank of America is stealing money from the clients or keeping money, I almost lost my house and my car, I trusted bank of America with my money and what they do closed my account and mail my money some where else with out me knowing
Consumer complaint received 2018-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

I been having problems for years trying to find out about these student loans. every time i get the company, they sell my loans to other companies and i get lost in this system. The last company told me i owe {$38000.00} for these loans, THIS amount IS WRONG!! So now i'm trying to finally buy my 1st home for my family, but this mess keeps showing up on my credit report. I'm XXXX years old single father with XXXX children i want to leave something to my kids ... a house, but i can't fight these big companies, they are too slick.PLEASE HELP ME AND MY KIDS. Thanks again
Consumer complaint received 2017-08-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (DE)

I had a vehicle which I voluntarily turned in for a repossion in XXXX on XXXX. Since, that time I have made a number of attempts to resolve the outstanding balance. Specifically, on XXXX XXXX I left a voice mail message which was never returned. I again called on XXXX XXXX, XXXX and spoke to a representative in the Wells Fargo XXXX XXXX Account department as I was prepared to begin to pay off or make a final settlement arrangement for the outstanding balance of {$5000.00} and to request that balance to detract the {$2300.00} which was what my vehicle was sold for which would have left an outstanding balance of {$2700.00} and I was prepared to either pay this in full or make appropriate settlement arrangement. I was informed that they would accept NO money towards this outstanding debt and was told that Wells Fargo does not sell any of their accounts to any third party collection agencies and was told that they do not. I did ask for any other options which may be available and was told no that my only option is to allow it to remain on my credit report for the remaining XXXX years.
Consumer complaint received 2018-12-27
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. (FL)

In the process of getting a mortgage lender is having difficultys getting my credit report from equifax. Ive have called equifax to fix these issues they told me to send in my information. After sending my documents multiple times they are unable to find a credit file under my name. I currently have open accounts under my credit report dont understand why arent they able to release my credit information to my lender. After many weeks trying to get this problem fixed I have yet been able to get a solution.
Consumer complaint received 2023-09-08
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NY)

I had lost my Way2Go card from New York State so I called and canceled the card and ordered a new one and they said standard delivery fee there be no charge but for expedited there might be a charge I chose expedited, thinking that they would let me know what the charge was before I made the decision, but once I chose that option, they just sent it out and I noticed {$18.00} was taken out of my account. I wouldve never expedited that card had I known there was almost a {$20.00} fee for that! I dont even get money into my account for another three days so that other card wouldve been here in plenty of time with no charge. I would like my {$18.00} refunded. I think when people choose that option they should be letting them know how much the fee is.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, I reviewed my credit report and saw an unknown medical bill on my account reporting TWICE ( XXXX XXXX XXXX XXXX XXXX  )!! I found that strange since I have medical insurance to cover all copays. Also, it's illegal to report an account twice. This is impacting my credit health
Consumer complaint received 2017-08-31
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)

There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local XXXX XXXX in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (GA)

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-04-14
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)

IN REVIEWING MY CREDIT REPORT FROM TRANSUNION AND XXXX, I FOUND UNAUTHORIZED ACCOUNTS AND INQUIRIES. I MADE NUMEROUS ATTEMPTS TO RESOLVING THIS MATTER AND NO SUCCESS. THESE ACCOUNTS DOESN'T BELONG TO ME AND I NEED THIS REMOVED.
Consumer complaint received 2020-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On Saturday XX/XX/2020 I tried to purchase 5 tickets on XXXX for a basketball game through XXXX XXXX. I began texting her about the tickets and the communication between us did not feel like she was a scammer. Once I sent the agreed upon price of {$400.00} to her via XXXX, she only sent me 4 tickets instead of 5. I tried reaching her via text and calling but she blocked me. We tried from each number in our group and she did the same. One friend asked her if she still had the 5 tickets  available after she scammed us, and she said she did, which means she was trying to scam others the same way. Upon receiving the tickets we immediately knew they were fake, but proceeding to try them anyways just in case they weren't. Obviously that didn't work. I reached out to my bank, US Bank, immediately to alert them of the scam and to cancel the XXXX transactions, which they said they would submit a claim and I should receive the {$400.00} back within 40 days, but most likely within 10. On XX/XX/2020 I received a letter from US Bank eClaims Services Department telling me the transaction was posted as requested and my claim has been denied. I do not feel they investigated this matter appropriately, otherwise they would know this woman has scammed others. I have attached copies of all of the communication between XXXX XXXX and I, as well as the letter I received from US bank.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

See previous, ongoing complaint but more added to the problem. 

XXXX I received another " Home Loan Account '' statement this month with more errors. 

I spoke to representatives ( XXXX XXXX and XXXX XXXX ) in BoA 's servicing department who admitted they had misapplied an extraordinary payment ( sent at their direction, following their directions XXXX to reimburse wrongly continued escrow account. 

They waited over 6 weeks to tell me of the error and only admitted it when I pressed them on a call but refused, to date, to send me an apology ( that they promised ) and corrected documents. 

I have tried to follow up with emails and calls and I have been ignored. 

This problem stems from an improper payment of taxes that they paid to the District of Columbia over 6 months ago!
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NH)

Midland credit company, I do not know who these people are. They call from random numbers from early morning around XXXX XXXX  until late at night approximately XXXX XXXX. They won't say who is calling me, they just say your name and expect you to confirm who you are without identifying themselves. Over the past 18 months or so I have had to block at last XXXX phone numbers. Now I am getting letters threatening lawsuits for around XXXX dollars and they still have not told me who this is for, they continue to say XXXX XXXX however, they are not XXXX XXXX  I have a few credit accounts with XXXX XXXX and I don't have a problem with those accounts. I sold my home in 2019 and moved and settled a debt 100 percent with these people and everything was cleared up and it was for XXXX XXXX. Now they are harassing me again, calling from different numbers and locations without identifying who they are. I would work it out if I indeed owe anything because I am completely caught up with my bills and I work constantly to keep my bills paid and this is negatively affecting my credit score.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP (GA)

1. Opened the account on XX/XX/2022 successfully. 
2. Key BankXXXXXXXX XXXX customer service sends me a notification for further identification on XX/XX/2022 including proof of residence, driver 's license and copy of social security card through a protected time-limited email chain. 
3. I comply the same day. Two days later, I have to send an additional email to check on the progress. No response for an additional 17 days, from either the customer service through email or phone, since it looked like the application was not in the system, yet they had me provide my personal information on multiple encounters. 
4. XXXX XXXX connected with XXXX from customer service who investigated more on my case. He said I would be getting an email to complete the application and get my accounting information the next day, since I was " approved ''. 
5. XX/XX/XXXX I was, all of a sudden, declined to open the account given a " XXXX Report  '' through an email from XXXX XXXX. Called customer service rep XXXX, and he could not give me a response initially. 
6. I called XX/XX/XXXX, and requested my information be permanently deleted and the account closed since I do not want my information remaining with a bank I have not established a banking relationship with. 
7. Overall, has been an extremely bad customer service representative experience, no clear concise reason as to why they requested additional information and then decided to close the account.
Consumer complaint received 2022-08-30
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. (NY)

I sent documents in to transunion asking to investigate inaccurate error on my consumer report I sent docs in XX/XX/XXXX no response XX/XX/XXXX no response and now XXXX still no response they our reporting accounts thats inaccurate and XXXX or XXXX  isnt reporting. According to the FCRA Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX
Consumer complaint received 2022-04-14
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. (NC)

I HAVE SENT A DISPUTE TO XXXX  AND EXPERIAN AND WAS NEVER TREATED AS A VCITIM OF IDENTITY THEFT. THEY DID NOT HELP ME AND HUNG UP ON ME MULTIPLE TIMES AFTER FOLLOWING THE FCRA SEC 605B 15USC LAWS
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Bank of America and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip.
Consumer complaint received 2021-07-19
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. (MS)

I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX, XXXX, and Equifax on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.
Consumer complaint received 2022-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have sent numerous requests via mail and telephone to resolve my credit reporting errors to the companies in regards to late payments on my account. I have sent my personal information along with a copy of The Heroes Act and explained that I was negatively impacted by Covid 19 and per the Heroes Act be protected from it affecting my credit score. I have sent requests in XX/XX/2022, XX/XX/2022, XX/XX/2022 and also had several phone requests without any resolution into the matter. This is severely impacting my credit and which in turn is not allowing me to purchase a new home and it was beyond my control and again per the The Heroes Act I am requesting that the late payments that were reported during the Pandemic be removed from my credit reports.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (SC)

I received a bill for a charge from XXXX, I never made the charge, I called to dispute the charge. I called the company many times to try to get a response, while in the meantime they charged late fees, and started reporting to the credit agencies that I was not making on time payments. After many calls I was told by a supervisor that the dispute was never filed correctly in their system, therefore never triggering a dispute, and he assured me that he would get it resolved. I have never received any communication from them regarding the dispute, even after calling many times. Today I called and was told that the dispute had been resolved and it was found to be a valid charge. It is not. It seems like they are trying to scam me out of money, and they have done irreparable damage to my credit by reporting that I am behind on payments by 5 months when I never charged anything in the first place. This card was an emergency card that I did not use, the last charge I made on this card was in XXXX of 2021.