davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Summary : my physical address was changed by Bank of America without my permission and I requested an investigation to determine how this happened and prevent it from happening again. XX/XX/23 I received a notification from XXXXXXXX XXXX that my account holder information had changed for my Bank of America account. I called XXXX and they were not able to share additional details. I called Bank of America on XX/XX/23 and they said there was no change. I called Bank of America again on XX/XX/23 and they confirmed that my physical address was changed to an address that a family member owns and they said they submitted an investigation request. Nobody else has access to my bank account or login information, and I have 2-factor authentication set up so I would have received a notification if someone else attempted to log in. XX/XX/23 I followed up and the XXXX XXXX department submitted a service request to further investigate. XX/XX/23 I followed up and there was no update. XX/XX/23 I followed up and there was no update so they escalated and filed a complaint. XX/XX/23 I followed up again and they said someone should call me back within a week but nobody XXXX I followed up again and there was no update. XX/XX/23 I followed up again and there was no update. XXXX I followed up again and there was no update so I closed my account. It is unbelievable that there were no updates within this almost two-month timeframe for an issue of security where my physical information was changed, not by me, and there was nobody else who had access to my account.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (MS)

On XX/XX/XXXX at XXXX am I transferred {$5000.00} from my personal Chime account to my wife 's chime account using the Pay Anyone feature. The money is expected to transfer instantly from account to account but it did not after I have spent XXXX hours on the phone with chime customer service trying to get my money refunded only to have my information switched my personal information ie phone number and email address to my wife 's account I received an email stating that after reviewing the account that they would not be refunding my money! I'm in desperate need of help. I'm including pictures that show Chime is refusing 2 refund my money as well as pictures showing where the money left my account but never reached the receiver 's account.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I contacted Experian as there are numerous accounts listed on my credit report that are obsolete. I know that I do not have to explain that after a certain amount of years I am within my right to request for old accounts to be removed from my credit file. I have asked Experian to remove all the outdated accounts and they have refused.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (NJ)

Discover Card : XXXX As it appears on account : XXXX I have just been made aware of these charges. Discover claims they have me signing up for the service in XX/XX/2010. Through a verbal agreement. I do not recall signing up for this service nor can they provide my with a recording of the agreement. 
Since XX/XX/2010 until present date an estimated $ 3,800+ dollars have been paid out to this protection service. 
I asked for proof of the contractual agreement and they can not provide me with it. 
And as I stated I do not recall signing up for it.
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I planned a trip with my XXXX to XXXX. I have had past issues with ATM machines within casinos, and unfortunately, I did n't have any cash for the trip. I decided to use on of the ATMs to take out cash. And I was alerted to proceed to the teller with my receipt in hand. I made a total of XXXX withdrawals. When I checked my statement on my way back to California, it seemed that I was double charged for each attempt of cash withdrawal. My heart sunk because the total was XXXX. I was terrified that this much money was even capable of being withdrawn in ONE day. Is n't there a limit of withdrawals? Or of the amount. I was petrified. I called BOFA who was kind enough to reverse the charges while I held on to my receipts just in case they were to be needed. I received a message from BOFA stating that the claim was denied and that all charges would be reversed on XX/XX/XXXX.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2017 I called Wells Fargo Card Services to ask for a credit card increase. During this time I also applied with other banks and credit union. Those other company gave me credit and a personal credit. Wells Fargo declined my application. I have been customer of Wells Fargo for over 2 years only had one late payment have been paying my credit card on time. I ask for a XXXX increase because my credit score is way higher than two years ago. That how I know I can get the credit increase.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I am set up on a payment plan with a credit card. In XX/XX/2017 the lender decided that they were no longer accepting credit cards as a payment method. When I called to make the payment with the credit card they told me it had to be done on with a check or debit card because they were no longer taking payments via credit cards. When I asked if their was a notice sent out about this change they said they were n't required to send out a notice to their clients because it was just " a change in operations '' and that I should have been " grateful for being allowed to pay with a credit card for as long as I had. '' A notice would have been nice so I did n't have to default on my loans. I now owe {$2000.00} that I can can pay in a lump sum and the website does n't allow me to pay in increments until the entire {$2000.00} is paid in full. A notice prior to my payment being due could have avoided this entire situation.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I previously had a vehicle with this company. The vehicle was paid for by insurance however this company after a few months reported that I stilI owe {$140.00}. I recently sent them a letter asking for proof of balance. They sent me an unclear printout of transaction corrections that they made on their end with no detailed information. I am requesting proof the of the insurance check and warranty cancellation information. If this information can not be furnished. I am asking this account be deleted from my report.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently got denied credit from XXXX for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just XXXX.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My issue is with Transunion & some incorrect information that they are reporting in my file. They are reporting XXXX out of XXXX of my XXXX student loan accounts negative, when they all should reflect a positive status without any late payments. XXXX contacted each of the bureaus to correct my file on or around XXXX XXXX, 2017 stating that the late payments were an error due to me being in deferment. Transunion only updated XXXX of the XXXX accounts. Furthermore they are reporting a XXXX XXXX account that does n't belong to me. Transunion cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 'm attaching the letter from XXXX that I received which shows the information on all XXXX accounts should have been corrected & updated.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (VA)

After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfairdebtcollection practices bydebtcollectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that discover card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.
Consumer complaint received 2017-04-14
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Performant Financial Corporation (MN)

Performant is the debt collection agency that was handling my federal student loan debt of XXXX. They sent me the wrong form to complete and I sent it in at their request. However, 2 years later I called them to find out that because I did n't complete the correct form, they 'd been keeping my loans in a default status but did not notify me of this to my knowledge. It was only supposed to take me 9 monthly payments of {$5.00} to get out of default status. They were supposed to help me rehabilitate my loans but instead accepted payments from me for 2 years and did not provide me the service they promised : to help me rehabilitate my loan. Also, I am a vulnerable adult with XXXXXXXX and XXXX and feel I was taken advantage of in this situation.
Consumer complaint received 2022-08-10
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)

On XX/XX/XXXX, at XXXX I called in to Equifax to again inform them that they needed to remove the items that I've previously disputed with them & have submitted documented proof that they are continuing to report unverified & un-validated information in direct violation of 15 USC 1681. The representative that I spoke with, XXXX, stated to me that he can not make any changes to my file despite Equifax violating 15 USC 1681 due to Equifax having my consumer report " red-flagged '' with a note that states no one outside of their " office of consumer affairs ''. 

I informed XXXX that the fact that he admitted that Equifax has my file intentionally blocked from removing information that they know to be inaccurate is not only a continued violation of 15 USC 1681, but Equifax is also now committing discrimination against me which is a violation of the The Equal Credit Opportunity Act, 15 USC 1691. He stated that he understood that, however he still refused to perform his job of removing the inaccurate accounts. I am filing this complaint to submit a copy of the audio recording as proof of Equifax continuing to violate my consumer rights as allowed under federal law. I have also attached a copy of my previous CFPB complaint against Equifax which included my previous documentation of their violations.
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is reporting to the XXXX consumer reporting agencies an acct that should be closed because XXXX brought out my contract with XXXX. XXXX was also supposed to have paid the remainder of my bill with XXXX as part of their XXXX promo. I am no longer a XXXX customer so why are they reporting this account as open. I no longer have any XXXX phones. This account should closed and off of my credit reports.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me a promotional offer of 0 % APR until XX/XX/2018. I called in to enroll in the promotional offer but was told by Bank of America customer service representatives that the offer only applies to balance transfers. The offer itself does not even mention balance transfers. 

The offer states : " OFFER 1 - LOWER RATE - 0 % ( O % Daily Periodic Rate ( DPR ) ) Promotional APR until XX/XX/2018. Use offer XXXX or use red check number XXXX.
Consumer complaint received 2023-01-27
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NJ)

Initially leases car for 3 years, at the end of lease decided to purchase around XXXX and was offered 6 % apr. After months of back and forth company stated no longer able to initiate car purchase via email/mail and had to go to an XXXX dealership that in turn said over 17 % apr around XXXX of XXXX with 1st payment due in XXXX of XXXX. I made a {$8000.00}. payment prior to XXXX due date to pay down principal. Around the end of XX/XX/XXXX received call from XXXX who offered a pandemic relief for 12 months, I accepted. In XXXX of XXXX I made another payment of $ XXXX payment towards the principal in anticipation of the the restart of loan. However, when I contacted Audi financial and was advised of around a XXXX balance payofff. The original amount of loan was around XXXX subtracting the amount to have been applied to principal the loan amount shall be around XXXX. I contacted Audi for clarification, Audi has applied all payments to the interest on loan nothing was applied to the principal.
Consumer complaint received 2022-09-07
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-26
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Reali, Inc. (CA)

On XX/XX/2020, I requested that Reali Loans Inc. sent me a payoff statement good through XX/XX/2020. I have not been able to reach anyone at Reali who will do this. 

I have made two calls to the number listed on the First Payment Letter, XXXX, but no one could provide me with a payoff statement or the loan servicing department. I also emailed XXXX XXXX ( Vice President of Operations ), XXXX XXXX XXXX closing, post closing, or MERS  ), and XXXX XXXX. I also mailed the request. 

I checked MERS, and Reali is the servicer for my mortgage.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$3600.00} XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 

XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
and a balance of {$0.00}. 

XXXX XXXX Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$430.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO TRANSUNION CREDIT BUREAU : 1. 3. XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently reached out to Transunion about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX, XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Transunion yet again and was told to file a complaint here. 
This is the list of inquiries that Transunion refuses to remove that I did n't authorize. 
XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.