davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Date : XX/XX/2022 Around XXXX XXXX  EDT Amount : XXXX Incident : At the time incident happened, I and my girlfriend were stopped at a crossing and waiting for the traffic light. Some street gang approached our vehicle and scrub my windshield and asked for money. At that time I refused to accept any service, but they ignore my sign and scrubbed the windshield. After that they asked me for money, I explicitly said I don't have money and don't want to give them anything, and they forcibly took away my phone without my permission, and opened the Bank of America App and used the built-in XXXX app transferred XXXX to a stranger 's account. 

The phone was unlocked at that time and I did not give any passcode to them. They used face ID to pass the BofA app lock. They flashed my phone in front of my face, again I did not touch my phone and no passcode was given during the whole process. 

XXXX is also the daily limitation of BofA XXXX transfer. 

After doing so they gave me back my phone. I did not fight back due to concern for my personal safety, but I called the police immediately after this incident. Police responded to my request very quickly and captured those gangs. Now the defendant is waiting for a trial. 

I contacted BofA immediately and notified them I experienced a robbery, but after investigation, they decided this transfer was initialed from my routine device, so the money won't be given back. 

Thank you
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX  to dispute the information as well and have yet to receive a response. The latest letter I sent to Experian, XXXX and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither Experian, XXXX nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-09-05
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. (CA)

This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

I am a customer of Truist, and have been since XXXXXXXX XXXX XXXX I have had large paychecks direct deposited with no problem, but my last check was a physical printed check for over {$6000.00} from a company I contract for. They immediately froze the funds then today, locked me out of the account completely leaving me stranded and unable to purchase gas in a dangerous area. They said its an administrative hold. 

There is nothing fraudulent about me, my account, this printed check ( from a company thats been around for over 25 years ) and is through XXXX  XXXX XXXX. But I am treated to feel as though I did something wrong. 

This is unacceptable and has put me in a dangerous situation.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (MS)

I have contacted Lexis on several occassion to receive my report due to inaccuracies being reported by them. They continue to refuse me access to my report even after verification of my identity. They continue to transfer me to agents overseas and giving access to my account information and refusing to correct this. They have been doing this as early as XX/XX/XXXX. My most recent request to correct this same information was XXXX, XXXX, and XXXX of XXXX. They are also releasing my information to state entities and other companies without my permission.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: NCC Business Services, Inc. (GA)

My complaint is with NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Back on XXXX XXXX, I called in to set up a payment arrangement to pay the amount i owed which was {$250.00}. However, It was way past the 90 days of my having this particular debt. When I called and made the payment that 's when they put the paid collection onto my credit file which is lawfully wrong. I spoke with a gentleman and he asked me a couple questions, which was as quoted " are we reporting to the credit bureau if so if you can make this payment '' XXXX I can get this account updated and remove from your credit file. This is a big dishonest agreement they made with me because they did not remove it as promised. Once they finally recieved payment, they updated it as paid collection ''!!!!! I then have called to speak to corporate and supervisors about this matter because it is not fair to me. THEY LIED TO ME IN THE ARRANGEMENT AS FAR AS PAYMENT!!!! I also informed them that I have a recorded call from when I originally spoke to call in to make arrangements. They then said they would pull the call also. THEY LIED TO ME!!!!! VERY DISHONEST COMPANY AND THEY WILL BE GETTING SUED IF THEY DO NOT REMOVE THIS LIE THEY HAVE CREATED.
Consumer complaint received 2021-01-22
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. (LA)

Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as Equifax. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my Equifax report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

My checking account was hacked and funds transferred out on  X/XX/22   . I calle d Chase the  same day and reported the theft. I was emailed a form to fax to their online claims department. I was told to go to a chase branch and close my account and opne a new account. I did so and the chase employee sent the claim form to the claim department. I called to check on my status on  X/XX/22   . They said they never received the form. I re faxed form and have. I called again on  X/XX/22    and was told they did not receive the form. I asked to speak to someone or be given a name to fax the form directly to. the call center said they do no have a contact name or number for me to call nor an email address. How can I see if the form was received if they have no person to talk to too.   They claim the are just a call center and all information flow from the claim center. The call center is in the  XXXX .   The address of the claims center is :  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  -  XXXX  FAX  XXXX   XXXX   XXXX
Consumer complaint received 2015-09-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Had XXXX overdrawn fees XXXX/XXXX/2015 for bofa.. XXXX of which were made a XXXX earlier than my deposit of {$410.00}, which would have covered everything therfore avoiding the XXXX hour time limit i have to bring everything current. Then they said i have extended overdrawn fee??? My account was not overdrawn for 5 consecutive days. I have receipts showing I brought it current. My account was current the day before. They say they can waive XXXX overdraft fee per year but they lie ... Liars have n't waived a fee in years.. And the the XXXX that I went overdrawn on I deposited the money XXXX hours after, but of course they tacked on the fees first, then they made my deposit after.. Bank of America account # XXXX
Consumer complaint received 2016-03-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Preferred Collection and Management, Inc. (FL)

Collection company refused to accept the payments that I 've been doing to the Dr.s bill department. They ignore the Dr 's agreement to lower the debt and payments the Dr. is accepting for 4 months. They reported to XXXX that I am not making payments. They refuse to send me information about payments that I owe to them.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NJ)

My Citibank Sunoco card has been closed and paid via settlement since 2017. However, it still shows up on my credit reports with the credit bureaus with a {$950.00} balance and driving my score down. I've disputed several times this incorrect info with the bureaus and the results keep coming back as " information accurate ''. Please do something.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I had a XXXX credit card opened in XXXX with a/c # XXXX I had a job lay off in XXXX and a foreclosure because of that in XXXX. I was working with an attorney and somehow i was given wrong information at that time and i added the credit card account also part of the process. It was charged off in XXXX. Based on understanding from previous research, XXXX settled with Federal govt. and agreed not to proceed with any further collection efforts. I was sent a XXXX and balance of XXXX was reported as income and i paid tax on this amount. However, XXXX is still reporting this to credit agencies as Amount due, and the current balance is showing as XXXX I have been trying to contact XXXX multiple time and have been forwarded to different groups and call centers without resolution. Here are the details below for the calls today XXXX/XXXX/XXXX, after i got the latest update from Equifax that, XXXX verified the past due amount on XXXX/XXXX/XXXX as XXXX Called XXXX at the no given by the Credit Agency - Equifax as the contact details XXXX, DE-XXXX XXXX Was asked to contact - XXXX Talked with XXXX XXXX ( ID ) Confirmed the a/c no is XXXX Got transferred to XXXX XXXX ( ID ) Was advised to contact XXXX XXXX XXXX She transferred me to XXXX XXXX ( ID ) She advised to contact XXXX XXXX XXXX Got disconnected Please find aatached the XXXX form from XXXX. Kindly help
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. ()

It appears my ex husband whom I got divorced from XX/XX/XXXX has been taking out credit in my name. I have been living back in XXXX since XX/XX/XXXX so I have not taken out a mortgage, store card or bank card in the U.S.A. in that time and yet Equifax wants information on all these types of loans to verify my identity for a free yearly credit report. 

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

Your credit file indicates you may have a mortgage loan. Who is the credit provider for this account? 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$670.00} - {$770.00} {$770.00} - {$870.00} {$870.00} - {$970.00} {$970.00} - $ XXXXNONE OF THE ABOVEYour credit file indicates you may have a retail card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX, XXXX, INCNONE OF THE ABOVEYour credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX XXXX XXXXNONE OF THE ABOVE
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (CA)

CITIBANK FAILED TO ADEQUATELY RESPOND TO MY COMPLAINT AND REQUEST FOR ASSISTANCE AND RELIEF FROM CANCELLATION OF MY " HARDSHIP PROGRAM '' WITH THEM. 

I WANT TO RESCIND THE " HARDSHIP PROGRAM '' AGREEMENT BASED ON FRAUD, MISREPRESENTATION, AND DAMAGE FOR USORY AND UNFAIR BILLING PRACTICES
Consumer complaint received 2015-07-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

All Navient does is call all the time demanding money and threatening economic harm if they do n't get it. They wo n't send me the log in info I need to get into their website, they wo n't give me a straight answer to my questions on the phone and they insist on humiliating and harassing me by refusing to get to the point until I answer all sorts of personal questions, as if an identity thief is going to succeed with anything by talking to their collection dept. Please give me another servicer, I am so close to not caring anymore about default because of Navient 's abusive conduct. Please help me.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX. Please do not delete my XX/XX/XXXX account as it is not being disputed because it is closed and reporting accurately. My XXXX account balanced updated by my credit limit did not. My XXXX credit limit is {$17000.00}. My new balance updated to {$410.00} but my credit limit did not. This is affecting my utilization by {$5000.00} as I am sure the bureau is extremely aware. If the new balance updated, how and why was the new credit limit missed?
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MA)

A few years ago when the XXXX breach occurred, I checked my free credit reports for all 3 bureaus and noticed 11 accounts that were opened on XX/XX/XXXX. 1 of those was a XXXX account, opened fraudulently on XX/XX/XXXX. I disputed this account with XXXX directly and it was closed by them on XX/XX/XXXX. On Friday XX/XX/XXXX I received a collection bill from XXXXXXXX XXXX XXXX. I submitted a dispute with the Chief Compliance Officer in the company 's consumer resolution center 's website disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and discovered a tax lien. I disputed the tax lien and asked Equifax to verify the lien. Equifax updated the status of the lien as released. I called Equifax and spoke to a representative who stated they verified the information that I was disputing. XXXX XXXX of XXXX says it was obtained through a third party vendor, XXXX XXXX. I called XXXX XXXX and they reported because I have a security freeze they could not release any information on my credit report. Equifax LIED and said they verified information when they have not which is a straight violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-10-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NM)

My complaint is against Santander who I have my auto loan with.. Reason I am filing a complaint is that I have been paying my car note for almost 3 years and my balance on my car has not gone down, and it 's all going to interest, because Santander has a very high interest rate that they charge their customers. This interest rate is ridiculous!!! And on top of that they do not offer refinancing to get a lower payment, and it 's hard to find a Bank that will want to refinance because my balance is still so high with Santander. I feel they should help consumers who want to keep their cars buy offering refinancing or extending their programs like the deferment or the Trip programs to consumers who really need help and time to catch up ; but seem to offer it only a XXXX times through out the contract of the loan. I want Santander to allow me to catch up on my loan by either offering refinancing and getting me a lower payment or extending to me the program of offering a deferment or the trip program. If they refuse to offer any of these then my only option would be left to Voluntarily surrender my car to them..I think what Santander is doing to customers is deceptive ; with their high interest rates and not allowing any options of refinancing so customers will always be paying them without paying off the car.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (NY)

Subject : Complaint Regarding Misleading Information and Feeling Misled by XXXX XXXX Application Process - this offered was made base on my original current card # XXXX XXXX XXXX XXXX with a credit limit of {$300.00} dollars from a destinycard.com Dear to whom it may concern, I am writing to express my deep disappointment and frustration regarding my recent experience with the Milestone Mastercard application process. Upon receiving communication from your company indicating that I was eligible for a {$1000.00} limit Milestone Mastercard, I proceeded to apply with high hopes and expectations. 

However, upon completing the application and receiving the card, I was shocked and dismayed to discover that the credit limit provided was denied and lowered my credit I was working so hard to improve. I even called XXXX XXXX credit reporting agency to remove the freeze to allow for the processing of the application. This discrepancy has left me feeling misled, cheated, and as if I have fallen victim to a scam. 

The information provided during the application process led me to believe that I would be approved for a {$1000.00} credit limit, which was a significant factor in my decision to apply for the Milestone Mastercard. To discover that this was not the case after going through the entire application process has left me feeling deceived and betrayed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pursuant to license from MasterCard international phone number XXXX. 

As a customer, I expect transparency and honesty from the companies with which I do business. The misleading information provided by your company has not only damaged my trust in your brand but has also resulted in a negative financial impact for me. 

I urge you to investigate this matter promptly and provide me with a satisfactory resolution. This may include honoring the originally promised credit limit, providing compensation for the inconvenience and disappointment caused, or taking steps to ensure that future communication with customers is clear, accurate, and transparent. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX - ( XXXX ) XXXX - XXXX - email : XXXX XXXX
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint against B of A and they sent a letter stating they would remove an inquiry from my XXXX XXXX report as it was not authorized. They sent myself a letter and they sent XXXX XXXX a letter. XXXX XXXX refuses to remove the inquiry because B of A says the date was XXXX, XXXX 2015 and XXXX XXXX says it was XX/XX/XXXX. At this point I do n't know who I should be going against. I would imagine XXXX XXXX but Bank of America promised they would remove the inquiry So, what to do. The woman at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is n't working at the agency that takes care of B of A 's problems. She said it would be removed yet XXXX is refusing. I sent XXXX a letter asking them to remove the inquiry but again they refused. Please get this matter resolved or I have no choice but to sue XXXX for failure to cooperate and B of A for giving false information and obtaining an inquiry without my consent. I file a previous case but since it was supposed to have been resolved it was closed. I do n't actually know what date it is but XXXX XXXX is being a total XXXX over this matter but I believe it is B of A responsibility to take care of this matter. I should not have to be dealing with this any longer.
Consumer complaint received 2016-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

I have received numerous robo calls for a long time from XXXX XXXX XXXX, XXXX ( info on caller ID ). You do n't get a live person when you wait to connect to tell them to quit calling or find out why they 're calling. I have filed complaints with the Illinois Attorney General 's office and XXXX and received no response. I just received another call yesterday ( XXXX XXXX ) and want these calls stopped. If you do an Internet search, you 'll see many people complaining about this law office which is generating the calls.