davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A guy by the name of XXXX XXXX asked me to take a loan for him because we were in a so-called relationship. The XXXX guy stated that XXXX XXXX was one of his vendors that he needed to pay her. I made the transfer and waiting for XXXX to pay me back and he never did and now I am asking for the bank to send me the money back, so I can pay the loan back.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

sequium asset solutions is reporting ( 2 ) accounts on all three of my credit files. the collection account is fron XXXX. I took several calls from them and had to jump through hoops for them to verify. i ask them if you are calling me why should i give you my personal info so you have it. but after a couple of minutes of going back and forth i gave it to them. they told me they would remove it because I GAVE THEM MY CURRENT ACCOUNT WITH XXXX AND SIMPLY ASKED IF i owed money how would I HVE AN ACCOUNT NOW AND FOR THE LAST 10 YEARS. 
AND THEN THEY REPORTED THE TWO ACCOUNTS A FEW DAYS LATER ON XXXX, XXXX AND XXXX.XXXXPLEASE HELP ME.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Please look into Bank of America 's credit card payment system. There is no reasonable way to enable Automatic Payments, that is to have the balance automatically paid each month. Unlike every other credit card I have ever seen. Please look into this. If you XXXX " how to set up auto pay on bank of america credit card '' you will see dozens of people describing the same issue.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

On XX/XX/2020, I tried to link my XXXX account to my bank from my phone. Every time I tried there was an error, so I tried using my computer. I got an email the same day saying within 3-5 business days XXXX would make two small deposits and to give them that information. However, the deposits never came. I later came to learn PNC made changes that are causing me to miss out on financial opportunities.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC (GA)

Company called me about a credit card bill from 1 year ago. I tried to explain my situation, but it seemed like the representative wasn't hearing it. She told me that if this bill wasn't paid by the end of XXXX further action would be filed against me.
Consumer complaint received 2021-01-23
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)

I am a victim of identity theft and my XXXX card was opened fraudulently. After contacting XXXX and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.
Consumer complaint received 2017-07-31
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: EQUIFAX, INC. (IL)

XXXX REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}.
Consumer complaint received 2023-01-11
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: Self Financial Inc. (PA)

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15 U.S code 1681s-2 section 602 states I have the right to privacy. Under 15 U.S. code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (TX)

My card was stolen XX/XX/2019, I asked for a replacement card and I was told I was a payee I need the other person for the replacement card that person is no longer needed as a representative payee for my SSDI and I can't get ahold of that person.. I needed my card sent to me for the remaining balance of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019.Direct Express They wouldn't even let me change my address.. Social Security Administration told me to call Direct Express and request my running balance in a new card but I can not get a hold of them
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I attempted to withdraw cash from my Bank of America prepaid card issued for the EDD for California unemployment benefits. My withdrawal kept getting canceled at the ATM, with no further information. I then tried using the card at multiple point of sale terminals, with each transaction getting declined. 

I tried logging into Bank of America online account, only to be told that my " security information was invalid '', with no further information given. 

When I called the number on my card, the only message given to me was an automated message stating that my account had been closed. 

When I finally spoke to a live person on XX/XX/2020, I was told that my account was not closed but had a hold placed on the account for suspected fraud. 

I was then told that the only way I could fix the issue was to call a specific department at XXXX. 

I have been calling this number for multiple days, each time being on hold for 4+ hours, only to eventually be disconnected. This is the only income I have and my rent is now late. Nobody at bank of America is able to assist me in accessing my money or even answering my calls to resolve the issue. 

I also want to note that I was never contacted via any method ( call, email, or text ) warning my that my account has suspicious activity or was being put on hold. They simply locked all access to the account.
Consumer complaint received 2019-03-07
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. (IL)

I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted Equifax previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NM)

I have been a victim of identity theft and have filed all the appropriate info with the FTC, IRS, local police dept., etc. A common activity is to have someone I do n't know open a credit/debit account in my name using my SS #. Every company that I have contacted for resolution/cancellation has helped me resolve the fraudulent account, except Simple. I contacted Simple ( XXXX ) on X/XX/2017. They refused to speak with me about the account, even though I gave them all of my information, including SS #, because I was " not the one who opened the account. '' They refused to even tell me if the account was active or closed. I have placed security freezes on my credit reports to avoid further experiences like this, but I need to clean up all these loose ends and not have open fraudulent accounts. Identity theft is bad enough, but when companies like Simple refuse to help, it makes it that much worse. All I want is to be sure this account is closed.
Consumer complaint received 2020-05-30
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. (GA)

I contacted this company on XX/XX/XXXX regarding why my payments are being reported late on my credit report, spoke with a manager by the name of XXXX who informed me that I was correct my payments were not being report correctly and were not late, that it was due to a system glitch that my payments were being rejected. She informed me that she has submitted a dispute to have the negative remarks removed and insured the issue would not occur going forward. Since then I have been making more payments to my account and loan that are still being marked as late and in collections with my credit report. Im certain my consumer rights have been violated by this company unethical way of applying my payments and reposting them as past due when they have never been late.
Consumer complaint received 2020-11-30
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: AFNI INC. (FL)

On XX/XX/2020 AFNI added a derogatory mark on my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can say its mines. According to the FCRA AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Signed up for forbearance program In XXXX due to the corona virus pandemic. 
Wanted to keep up with my escrow payments so that I would not owe as much in the end, so I made 2 payments for 3 months of escrow payments each time. They neglected to apply the money I paid to my escrow as I requested and proceeded to XXXX up my whole account. I spent 4 1/2 hours on the phone with them on XX/XX/15 and after speaking to 4 different people in different departments they assured me my problem was rectified so I paid my remaining balance of 6 months of principle and interest. Now in XXXX after making my payment they told me I was 3 months behind in my payments. This is not true so I tried to explain to them what and when I had payed only to have to spend XXXX more hours on the phone and having to speak to 5 different people. I feel it is unfair that they were so negligent in dealing with my account and I fear it may now effect my credit! I have requested them to call me back when they straighten out my account and to send me a letter of apology in case my credit were to be effected. They never called me back and said they would not send me the documentation I requested to verify this was not my mistake.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (MT)

Bank refused to deposit my check for XXXX as I wrote XXXX XXXX and no instead of XXXX XXXX and no. This led to having them have to mail the mail the check back to me, as there is not a Bank of the West in my state. This is the account associated with my RV loan. I I meant XXXX I would have written XXXX and XXXX/XXXX. It's very petty and puts Mt account at risk of over draw on my RV payment.
Consumer complaint received 2023-01-30
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: BARCLAYS BANK DELAWARE (TX)

Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with XXXXXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX XXXX  in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from XXXX inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  I reached out to XXXX XXXX and all XXXX additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an XXXX XXXX XXXX XXXXXXXX called XXXX on the XXXX. I reached out and spoke to the office XXXX and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Barclay 's Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-02
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. (NJ)

A XXXX CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NV)

I made international money transfers to XXXX XXXX. on XXXX for $ XXXX fees.Then i call WU to get my refund but the staff made a cancellllation instead.I call several times but WU gave different excuses and gave me 3 different case numbers.I had the reciept sfter their system confirm the transactions is paid for using my debit card ending in XXXX.The money was not there.attach is the reciept wu email me as proof that it was paid for on that day.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

In XX/XX/2020, I received a solicitation from Capital One about its 360 Performance Savings account. As a longtime customer of Cap One 360, I found it to be compelling. It was my understanding, if I opened a new account with new money ( not from other Cap One accounts ) of {$50000.00} or more and left the funds in place for at least 90 days, I would receive a bonus of {$500.00}. I opened and funded that account on XX/XX/2020. 

In XX/XX/2020, I contacted Cap One by phone to see when I would receive the bonus. The advisor told me it would be up to 60 days after my account was open for 90 days. I determined that to be roughly mid-XXXX. 

In early XXXX, I wrote a letter inquiring about my bonus. On XX/XX/XXXX, I received an email asking me to call. I called that afternoon and was told I wasnt eligible for the bonus because I wasnt a new-to-Capital One customer when I opened it. I told the advisor I would close my accounts. He asked if he could help with it. I told him no, concluded the call and immediately transferred my savings with Cap One to another bank.
Consumer complaint received 2023-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

In late XX/XX/2022, I made a request for a refund of payments made during the XXXX forbearance under the Cares act through Nelnet. 

I requested an amount under but close to {$10000.00}. 

I made the request via phone call however I never received any documentation of when my request was processed or received and I have no documentation of the final amount to be refunded to me. 

I received an email from Nelnet on XX/XX/2022. This was a general email letting me know that the request was processing. 

I called them on XX/XX/XXXX to find out if they had any updates. They could only tell me that the request looked good and it was still processing. 

It has been more than 4 months as of writing this and I have no clue whether when this processing phase will end.
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

This compliant is not about my current student loan servicer, but about Navient regarding refinancing my student loans. While the information on the sheet is accurate and has a disclosure at the bottom of the letter, the issue is whether borrowers may not understand or realize the problems they could face refinancing their federal student loans with their private student loans. Further, the correspondence offers borrowers Prescreen & OPT -OUT- Notice by calling XXXX, but in order to opt-out borrower must provide their full SS # 's. If this letter is not from Navient, we could have a lot of harm borrowers with stolen credit information on our hands.