davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday, XX/XX/XXXX, I made a purchase through XXXX to my Bank of America card that I've owned and used for over 16 years.

Within minutes I was informed that my payment was declined. Because many companies charge users for non-payment on a credit card, I panicked and tried desperately to call Bank of America credit services. First of all, the answering assistant would not let me through, as none of their options fit what I was calling about. I finally got through by pressing 0 about 30 times.
But then I was informed that the payment was declined because of security, a fraudulent charge. As I've had the card for over 16 years, this answer did not make sense. I have used it numerous times via XXXX  and never had any issues with it, paying that way.

I asked for a supervisor and got nowhere. The first agent just put me back into the same call group and I had to wait and wait and wait for another agent to answer and then I had to go through all the explanations all over again. Again a request for a supervisor got ignored.

I was transferred again to another agent who was supposed to be a specialist on fraud ( of course, I was not calling about fraud! ), and he said yes, the payment was declined, but then it was approved. But he would not explain to me why it was declined in the first place - remember, I had used it numerous times in this manner before and there was never any problem. 

On Saturday XX/XX/XXXX, I checked and the payment still had not shown up on my credit card ( it was pending ) and I still had not gotten an answer as to why it was initially declined, which caused me so much stress.

I called again and asked for a Manager. I fought my way through the answering assistant again and then asked for a Manager. 20 minutes later, the person who had put me on hold said she could not get a manager and that I should call back later.
I did. I fought my way through the answering assistant again and this time I got a representative from New Mexico. No answers, and again I was transferred to a fraud specialist.

That specialist ( she said she was in Maryland ) was the most rude, condescending and hateful representative I have ever talked with. Again, no answers, and I was tired of her addressing disrespectfully.

At this point, I really have no one respond as to why the payment was declined. No one can explain what triggered the decline or why. I never got to talk with a Manager. Despite the fact that I have used
this card to purchase on XXXX  via XXXX many times in the past, no one could explain why this happened.

Truly an awful experience and an awful company to do business with.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

RE : CFRB Case XXXX Navient States : Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We have confirmed that Navient services one Spousal Consolidation Loan on your behalf. Due to non-payment, Navient filed a claim with your guarantor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The claim was returned on XX/XX/XXXX. Because we were not able to resolve the past due amount on your account, on XX/XX/XXXX, this caused the loss of guarantee. XXXX did not pay the default claim and Navient continues to service your loan as an uninsured student loan. We have submitted an update to the National Student Loan Data System ( NSDLS ) to update the status to Defaulted Uninsured. By signing the Promissory Note, you have agreed to pay the principal and valid interest that accrues on the account in full. Please contact us at XXXX if you would like a copy of your Promissory Note. If you are interested in bringing your account up to date, please contact our Cures Department at XXXX. 

The purpose of consolidation may have been to take advantage of loan forgiveness programs offered through the Federal Government. By Navient illegally converting this loan to a non-federal loan, those opportunities are eliminated. The promissory note that was forwarded was specifically for Federally guaranteed loans. If a signed Promissory note for NON-federally guaranteed loans can not be produced, then these related accounts need to be expunged from our record.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I had a issue with rent one month and I tried to solve the issue through my bank so I opened a claim but my roommate had the money for it so I had them add the credits to my account and I sent them proof that my roommate paid it and I only ever received a email saying claim was approved and closed but 5 months later they reversed the credit and said they couldnt see the proof, I sent more proof and I was told today that it wasnt enough and that I wont be able to get my money back. I spoke to my apartment and they dont have the money that was taken out my bank either
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

The Bureaus company is reporting to my credit report that I am in collections with XXXX XXXX. On my credit report you can see that XXXX XXXX was not in bad standing and was paid off without getting even close to collections over seven years ago. I currently have another XXXX XXXX as well, also in good standing. I tried to dispute through XXXX XXXX and they said it was legitimate even though there's no history of where it came from and I tried again with XXXX and same result. There's no history on my credit report from them besides this collections which they keep updating to being more and more recent. I asked them to provide me with a copy of the history of the account and they never sent it.
Consumer complaint received 2023-01-11
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. (DE)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 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 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 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 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 2021-04-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Mr. & Mrs. XXXX & XXXX XXXX XXXX Attachments XXXX XXXX  ( 23 minutes ago ) to Bank, Bank, XXXX , enterprise.resolution, assist, security, XXXX all of these charges on the atttached are all FRAUD my account balance shoudl be XXXX I want all of these charges reversed I know who stole my identity here is the information that I gave you several times over and over and over again and again This is the e ; mail and the XXXX  phone number of the person who stole my identity and made the charges on both accounts phone XXXX XXXX XXXX XXXX e mail XXXX Account - XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX NC XXXX Account number ending in XXXX ( credit card ) Account number ending XXXX ( checking ) And the checking account also fraud that the credit card was charged for overdraft Please reverse all the fraudulent charges Please remove all the negative marks on my credit Please refund all extra that has been paid Please stop the auto pay when this is resolved One more time only 2 charges are valid on credit card in XXXX and they were balance transfers to XXXX ... 

I paid XXXX dollars a month from XXXX till XX/XX/XXXX then I paid XXXX dollars a month All the activity on a Bank of America checking account are all fraudulent and then yall charged the credit card for over draft??? 

I have called so many times and I mailed all the proof at least 5 times also I forwarded all the e mail notifications I received that they were fraud in the very beginning of this nightmare I would appreciate a response ... 

I have mailed proof that this entire account is fraud and not mine only 2 transactions in XXXX are valid and they are the balance transfer nothing else is valid and I have proof that I notified you that it was fraud I have mailed all of this information at least 5 times and its hundreds of pages I would appreciate this account being corrected to XXXX I sent you the phone number and contact information and e mail of the person who stole My identity and committed fraud I sent you police report and the Consumer Protection agency fraud report for identity theft I sent you the proof of my laptop and computer and phone being hacked by Ransom ware I sent you all the e mails that I sent back to you telling you transactions were fraud I sent hundreds of pages over and over again and I do not get a response I want the account balance to XXXX ... 

Technically I have been paying on auto pay which you owe me at this point and the account is locked i cant print the transactions etc and there was a fraudulent bank account opened and I was charged XXXX dollars overdrafts There is XXXX of fraudulent charges and I didnt even have a credit line that large??? 

Please fix this mess to XXXX  refund excess Ive paid bc I cant stop auto pay bc you locked the account????
Consumer complaint received 2021-03-20
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I had a bank account with Wells Fargo about a year ago Ill open up the account XXXX   XXXX  friendly one of my account and try to take {$100.00} out of my account I noticed when I was at work Ill call Wells Fargo let them know that it was a fraudulent transaction they denied my claim and I told him I want to close that account because Im not using that account anymore I have a new account I accident on todays date the XXXX to close the account again any constantly keep giving me problems by closing the account
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence.

All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX XXXX as agreed or inaccuracies deleted,.
Consumer complaint received 2023-03-24
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. (PA)

Recently, I did an investigation on my credit report which coused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

XX/XX/20 sent certified letter XXXX to Progressive Management disputing alleged debt I have no knowledge of. no response received sent a second certified letter on XX/XX/20 XXXX again no response received. I have not been able to obtain any such verification that the alleged debt exists yet this company continues to report and verify it's accuracy with the credit bureaus. I have never received any bill from XXXX XXXX XXXX. If any charges were owed I do have medical insurance to cover it. this company continues to violate the law causing me to incur financial damages. this account needs to be removed immediately from all my credit bureaus. they need to be held account for their illegal business practices.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IL)

To me this boils down to one overarching issue and I can only guess that I'm just 1 of 100 's of thousands of Americans who have experienced this. 

Issue : XXXX/PayPal XXXX have too much reliance upon automated algorithms for customer account security at the expense of simply allowing customers to prove account ownership via answering questions. Both companies claim they have limited parameters for consumer questions and when exhausted can not provide account access. 

Their response is simply to " open a new account '' and will not provide any reasons for such actions. 

Consumer recourse to reach a human agent on the phone of either company is nested so deep in their websites that it is nearly impossible to reach a human agent for timely resolution of account issues. 

Additionally, when those resources are found within their websites many times it then asks for the consumer to login to make contact with the company from the same accounts they are currently locked out of. Thus creating a loop where the consumer has even more limited options of reaching the company for assistance. 

Timeline : XX/XX/2020 - I spent 3 hours tediously web chatting with eBay until finally reaching an agent on the phone who was able to provide access. 

XX/XX/XXXX. 2020 - I spent 2 hours tediously web chatting with PayPal and was never able to speak with an agent. My account access was never restored during that time even after answering all of their questions with 100 % accuracy. 

These two dates only represent account lockouts happening since I began documenting the interactions across the XXXX/PayPal XXXX as there have been multiple prior occurrences even though I use both companies very infrequently. 

It's also worth noting the account lockouts occurred after I had successfully logged in to XXXX and PayPal respectively earlier on both days prior to the account lockout.

These two dates also represent the longest periods of account lockout and in the case of PayPal, there is no resolution to-date.

In the case of PayPal which is a registered XXXX XXXX XXXX ( XXXX Registration Number : XXXX ) with XXXX, Im amazed that they are able to wield so much power over consumer finances yet offer so little consumer service and fair reporting.
Consumer complaint received 2023-01-11
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. (GA)

I have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

I use XXXX XXXX and also various credit card FICO score which shows that my score is 810+ I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX+ salary. 

When I went to get Auto loan at Toyota dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the Toyota Loan that I took ). I believe Toyota intentionally showed me a lower score. There is no reason for my score to be less than 800. I checked all agencies, credit card FICO scores they are all above 810. 

I have a suspicion that the score is manipulated when I seek loan by Toyota financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.