davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am making a claim against Bank of America XXXX XX/XX/XXXX, I found an add on line On XXXX for a rental place in XXXX XXXX Fl. 
I contacted the person through email and I made a few advanced payments for a rental place through XXXX from Bank of America for the following amounts on the following dates. 

XX/XX/XXXX in the amount of {$1000.00} XX/XX/XXXX in the amount of {$2800.00} XX/XX/XXXX in the amount of {$3500.00} He gave me copy of the rental agreement with a copy of his driver license. The place was also advertised on a different website that looked legit, but it was a scam. 

I gave him copy of my driver license se and the social security number. He told me that I can not see the place before I rent it because there was Covid and he had to clean the place. 

On the XXXX of XXXX, I went to check in and the person at the front desk told me that the apartment t does not exist, and that is not for rent and there were other fraudulent activities with the same name. 

I called the police and I made a police report on the spot. The bank was closed, so I could not report the same day fraudulent activity, so next day in the morning I reported fraudulent t activity immediately. 

The XXXX police report is case number XXXX XXXX XXXX XXXX has never made any progress with the investigation. 

Next day, on XX/XX/XXXX. I called Bank of America and I made a claim for fraudulent activities and scam. The Claim number is XXXX XXXX. 

They told me that I would be able to get my money back within 45 working days, but nothing has been solved as of yet. 

At the beginning of XX/XX/XXXX, it could have been on XX/XX/XXXX, I made an FBI report for scam and internet fraud, and I have never heard anything back from them. 

On XX/XX/XXXX I made a claim against XXXX through XXXX XXXX XXXX and the answer was that they were not responsible for the scam. 

I called Bank of America and they told me that the receiving bank was XXXX XXXX. 
I spoke with a representative from XXXX XXXX and they told me that Bank of America Is suppose to resolve this issue. 

Unfortunately, this Issue has not been solved. I lost my house due to Covid 19, I lost my business, I have {$0.00} income and I am struggling. 

These financial institutions are reputable companies and from my side I did everything I could to protect myself. I am making a claim against Bank of America because I believe they are not handling this issue correctly. I am a preferred customer for over 20 years. Whatever money I have left in the account I am planning to close it and move it somewhere else. 

I attached paperwork to back up my claim. 

Please help me resolve this issue ASAP. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Fl XXXX PH XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Made a payment on Wells Fargo credit card which showing as posted on WF site as XX/XX/XXXX. As of XX/XX/XXXX payment still does not reflect in available credit line. Made another payment that is showing on their site as received on XX/XX/XXXX. Was not not included in available credit until XXXX First payment was for {$10000.00} There was absolutely zero discourse during the payment process ( have screen shots ) that hold on an electronic payment can be up to 15 days. There is a warning that it can take up to 4 days to fully process the payment. The only solution they offered is to provide them copy of the bank statement showing that payment cleared our account. Both payments were made electronically. How is that possible that one of the largest bank in the US is not capable of knowing whether they got funds thru an ACH??? Our account information is a private matter. Wells Fargo has no need to request it since ACH was used. It is not the only card we have, but it is first time we are having that kind of problem. Having to verify an electronic payment that came from another major US bank in order to release an access to the credit line.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

Called this company several times I dont have any debt in Arizona when I currently live in XXXX its say a debt owed XX/XX/XXXX but it was published in XXXX almost 4 years later to ask for a debt? I have no idea who this company is and why they this put on my report
Consumer complaint received 2021-04-16
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax XXXX XXXX and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-06-18
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. (WA)

From my credit report, it shows a late payment forXX/XX/XXXX, calledXX/XX/XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.
Consumer complaint received 2022-03-25
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. (FL)

I tried getting this issue resolve directly with XXXX, XXXX has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried getting this issue resolve directly with XXXX, XXXX has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XXXX is reporting a collection debt from I.C. SYSTEM, INC for about 3 months now. This collection comes from XXXX with an amount of {$990.00}. The contract with XXXX was canceled in the same day and returned all equipment in the store. I also received the refund in my bank account for the paid but not used equipment. I.C. SYSTEM, INC is reporting XXXX opened : XXXX Status Date : XX/XX/XXXX Balance Updated XXXX ( every month they're updating the balance ( they never contacted me at all yet ) Also this collection debt was sold from XXXX to XXXX XXXX XXXX, the account was disputed via XXXX XXXX and deleted on XX/XX/XXXX ( see attached documents ). After deletion, AFNI ( another credit company ) bought the account and started reporting on early XXXX. I reported it again and the account was deleted on XX/XX/XXXX ( see attached documents ) Now again the account was sold to I.C. SYSTEM that are using fake dates to lift the impact on my credit score.

A few days after I.C. SYSTEM reported it for the first time, I reached via phone to dispute it again. Disputed more than 2 months ago. Since then, I'm trying to reach XXXX to follow up on the dispute and I can't get any person to talk with and nothing has been changed.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CL Holdings LLC (IN)

In XXXX I applied for XXXX  XXXX bankruptcy on a XXXX XXXX XXXX and it was granted this company has sold the debt to Jefferson capital and they have been harassing me after they got paided for the vehicle they are trying to get extra and even triple for the vehicle
Consumer complaint received 2020-02-19
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. (UT)

XXXX XXXX  XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, 2017 I went inside the Wells Fargo brand on XXXX XXXX XXXX in XXXX, GA with a check valued at {$8400.00} in attempted to deposit {$7000.00} in my checking account and receive the balance ( {$1400.00} ) in cash. I received the cash balance and was asked by the Teller if I needed a paper copy of the deposit slip and I decline it. I waited 10 days to insure the check had ample time to clear but the funds where not in my account. I contacted ( via phone ) a Personal Banker with whom I 'd done business in the past. I informed him of what had happened and he agreed to look into the matter. Several days passed and I did not hear back from the Banker. Subsequently I reached out for the gentlemen again but found no relieve, just " noise '' that hey had looked into the matter but had no record to the transaction. I requested he or the Branch Manager review the proof work to resolve the issue. Again I heard nothing from the Personal Banker. I then spoke with the Branch Manager and she agreed to work on resolving the issue. With no resolution I was able to retrieve the information on check including name, date, number, etc ... and provided it to the Personal Banker. To date there has been no more communication from Wells Fargo nor has the matter been resolved. Thank you!
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX placed by XXXX has violated my rights. 

15 U.S.C. 1681 section 622 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 an account without written instructions.
Consumer complaint received 2020-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Mastercard # XXXX XXXX XXXX XXXX capital one credit dispute case # XXXX I tried my stripe and considered to get gas, I saw a guy was smoking near me, I am non smoking person, I pushed " cancel '' to leave without pumping the gas, I got the charge for {$36.00} on XX/XX/2019. 
I asked my credit card to dispute the charge, the XXXX sent some computer info for the charge, however It did not show any receipt. 
My card charged me back, asked me to show a paperwork for cancellation. 
As you know, gas station did not print any receipt for cancellation at all. 
However if I used, I would keep my receipt. 

I went back the store a few times and asked for refund. The man in the store asked me to come back for his manager, who did not show up as any appointment. 
The man also told " someone might use it after I left since I might not push cancellation well. '' I reported this as a stolen use. My stupid card dispute dept asked me to show a cancel voucher, which the store did not give anyone at all. 
The stupid card said " The computer info did not show cancel. '' Yes, if I pushed not well, it would not show any cancellation. 

However, the fact is that I was not pumping any gas, since I could not take smoking. 

I need refund from the card. 

Thanks. 

XXXX XXXX
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

My small business made a payroll and our controller received a fraud email from a Chase Bank account holder and our employees payroll in the amount of {$6000.00} was sent to the fraud account at Chase. We alerted our bank XXXX XXXX XXXX XXXX XXXX XXXX and we also went to Chase and had Chase pull up the account information for the Fraud account and Chase acknowledged our deposit. They said they will return the deposit and asked us to go back to our bank XXXX XXXX XXXX XXXX XXXX XXXX and file a dispute which we did. The dispute was accepted but because our payroll goes through the XXXX system it was held up and has not been returned to us. XXXX from XXXX is frustrated as we are because no one at Chase will help her or us. The contacts at the Chase branch we visited have tried to help but we are at a dead end They referred us to a branch problem resolution center to try and get our funds returned but they tell us they can do nothing. We are getting the complete run around and so frustrated so hope you can help us.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I am in the process of selling some cemetery lots I have and advertised them on XXXX and XXXX XXXX. On the XXXX of XXXX I received a text message from XXXX XXXX XXXX asking about them. He stated that he was interested for his XXXX. XXXX XXXX XXXX XXXX, XXXX, texed on Friday XXXX to see if I had received the check sent overnight by XXXX? Deposited the check at my Santander Bank branch and texted deposit as instructed to do so. The check was for {$19000.00}, a {$5000.00} overage explaned as a mix up ment for the undertaker. The check was examined by several tellers before being deposited. On Saturday the XXXX received a text from XXXX XXXX ( yet another phone ). He wanted to know if any of the funds were available from my bank yet. I explained that my bank had placed a hold on the check for one week. On the XXXX of XXXX another text from XXXX. XXXX asking me to check my account again to see if any funds available. Wednesday the XXXX after checking my account I found a {$15.00} return fee for a altered/fictitious check. I explained to XXXX XXXX that the check was a fraud and would contact the police with the evidence I had collected. On the XXXX I also found out that there was a freeze on my accounts sent to the fraud department of the bank. I called and spoke with several agents each telling me that my accounts were still on hold. XXXX prompt # 3. Today is the XXXX of XXXX and I am told that the bank has the right to freeze my accounts for examination for up to 10 + business days to complete investigation and unblock my assets. I explained to the agent that I do my banking online and had several large payments to make. She told me to go down to the branch and make arrangements. This is causing me some headaches because as all consumers I need access to my money to live. The bank can not gi9ve me a date or time frame when I can have my money back. My question, is this practice within the federal laws or guidelines? Am I being taken advantage of?
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (TX)

Ally Financial incorrectly reportedmy account as being 30 days late for about 5 months. Before the incorrect reporting, I contacted Ally and was placed on an agreement plan that the account would not be reported late as i needed to change the due date temporarily. I noticed tbis year of the incorrect report and contacted XXXX 5 times and XXXX  filed the dispute on my behalf to Ally. Ally has incorrectly changed my report 5 times after every dispute with XXXX. They keep changing something with every dispute. They have been given more than enough times to correct my report but yet they have not. They are abusing their authority and should only be given 1 chance to correct a report. However, witb every dispute they seem to make another " mistake '' and make yet another incorrect change.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have been with  XXXX   XXXX , now  Navient,  since I entered  XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I have been on a payment plan of {$1000.00} per month, but have been notifiied in a phone call In  XXXX  that I have had much more in interest applied to my balance than principal and that my interest rate would be 18 % in  XXXX . I apparently, after 20 years, still have a balance of over {$150000.00}. I did indeed have a forebearance/limited payment from a  XXXX   XXXX   XXXX  ' Degree I got  in  XX/XX/XXXX  from  XXXX  University, but that does not explain the exorbitant interest pending next year or the amount applied to principal being so much less than the amount applied to interest. I request the CFPBs assistance in settling this matter. I was told that summaries of my account-to-date information would be on my site, but have not been able to get access. Seems to be rejecting password and user IDs after several attempts. I would suggest that the CFPB contact Navient and request access itself.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC (FL)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TX)

We applied for a car loan and were turned down because the auto dealer requested information from SageStream. We were told that we had a very high score XXXX XXXX XXXX from SageStream which was unusual, but that there was questionable information on our account : From the 3 major Credit Reporting agencies we have scores in the 800s! 

" Length of residence too short '' ( We have lived in our house for 28 years! ) " Not enough bankcard dept experience '' ( We have the highest rating on all our credit cards ) " Limited history for consumer at this phone '' ( We have had the same phone # since 1992, what # do they mean? '' " Time since most recent revolving account established '' ( What ... credit cards with zero late payments over years and years don't matter? ) I have read numerous complaints about this company and I would like to know why they can not be shut down!! Just go on line and read the angry comments.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc. (PA)

When I paid this debt, I was promised by an agent, that the account would be removed from my credit in full. they have since reported a {$0.00} balance on the account for many months, I was under the impression that after I paid the debt, they would report the {$0.00} balance for 1 month, then remove the account entirely! I have asked the company to investigate this matter many times, and each time they have refused because I paid them! I paid them because they promised to delete the account, I would have had to consider my actions more carefully had they not misrepresented the situation! I know paying an older debt can hurt my credit scores, so I would have taken more time to consider my actions, but since they promised FULL ACCOUNT DELETION, I paid that day, thinking it would benefit me the most! Why are they still reporting?