davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dealing with Bank of America : I had opened a new account with Bank of America on the day of XX/XX/XXXX of 2020. I sent an initial wire of {$1300.00} to the account ( which was all I had due to being unemployed ). Less than hour later I couldn't access the account. Without notice they had shut my account down, I had to call in efforts of understanding what happened. When I called they asked me to come back to the branch to verify an additional form of ID in efforts of getting access to the account and my funds. When I went to the branch I was advised the account couldn't be reopened they're not aware why it couldn't be opened yet and they're mailing a check to my residence. They verified the correct location and advised the check should be there in 7 days. 10 days later nothing had arrived, I called back on XX/XX/XXXX to follow up, they advised it would be there in 7-12 business days. I then followed up on XX/XX/XXXX when I was advised to give account closure a call when they're open the following Monday XXXX XX/XX/XXXX ) by a manager due to me escalating the situation. The manager advised me to ask them to perform a stop payment and pick up a cashier 's check from a local branch. I patiently waited as poor as could be to find there was no way to perform a stop payment prior to 90 days and the checks usually come in 12-15 days by the manager of the account closure department. I had been provided a different story each time I called, I had been hung up on by one associate, and advised I can not speak with a manager by the second associate as I attempted to get this situation resolved today on XX/XX/XXXX!
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanHero, Inc (LA)

I have constantly Informed this company that I do not want are need this loan I did not sign are agree to anything and they do not want to remove my information from there records. 
I have email this company serval times letting them know that I did not want this loan and that I did not sign anything they keep charging me and now are reporting inaccurate information to my credit bueral. I did n't give anyone permission to use my information are sign my name.
Consumer complaint received 2023-02-08
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)

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 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 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to Equifax, XXXX  and XXXX  on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. This is a violation of 15 USC 1681s-2 due to not providing a notice of dispute. This is also a violation of 15 USC 1692e ( 8 ) for failure to communicate that a disputed debt is disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-09-21
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute with XXXX in regards to incorrect items on my credit report, it has been well over 30 days ( 45 days specifically ) and I haven't received any investigation results.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

After making a payment on XXXXXXXX XXXX XXXXXXXX I have waited 2 weeks to see if my report was updated and the credit bureaus via XXXX XXXX is still not showing the recent payment recently applied to my student loan.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC (VA)

I keep receiving garnishment requests from a company called Glasser and Glasser in XXXX, Virginia for a total of {$2300.00}. The original judgement they obtained without my knowledge is over 10 years old and past the statue of limitations as indicated by statute 801-251 section c, and I also believe they are in violation of the FDCPA and FCRA. They call me when I have asked them not to, I started blocking numbers on my cell phone. When trying to resolve and explain the issue directly with them, they laughed at me over the phone and told me 'good luck with that, we are reporting it on your credit next ', and hung up the phone. I appeared in court in XX/XX/XXXX, and their attorney present told me to contact them or they will just keep taking me to court but they were going to dismiss the case because the garnishee said they will not pay. I tried to explain the situation then to the attorney but he did not want to listen that he is possibly representing a company that is breaking at least one and possibly three laws and we should just drop this completely. Now, I am request to appear in court again for the same thing in XX/XX/XXXX, under the same garnishee and everything else all over again. I tried to request they provide proof from the original furnisher of the debt they claim I owe and they again told me they do not have to, and will not prove anything to me and they will continue to just take me to court and inconvenience me until I pay them. Their words, not mine.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX No : XXXX clearly suggest conflicting informations of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ACCT NO XXXX is reporting wrongfully on XXXX and transunion credit files.the date of first delinquency is XX/XX/XXXX. 
THE ACCOUNT IS RE-AGED.The payment histories between the bureaus are wildly different yet both are consistently verified as correct to the credit bureaus.The account was never brought current and was closed by the creditor in XX/XX/XXXX.It IS if reported correctly 2 months short of 7 years to age off the report.
Consumer complaint received 2017-09-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (SC)

Received 3 phone calls in less than an hour from them regarding my bill repeatedly trying to obtain card and payment information over the phone. Just patiently waiting the next call. They used several different phone numbers. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They use two number which are deceptive as they are not clearly from the company unless you look the numbers up on XXXX. 

The agents on the phone are extremely pushy trying to collect on you even though you are not late.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

US BANK applied a wrong check from XXXX XXXX XXXX that they claimed our vehicle was a total loss and send us a check that included our overpayment. We had XXXX XXXX at that time. The overpayment was for XX/XX/XXXX, of {$310.00}. US Bank found the mistake and found out that the check from XXXX XXXX XXXX had been applied to the wrong vehicle. But now they have not send us our overpayment. We have been communicating since XX/XX/XXXX and they keep saying we will receive it XXXX business day but nothing.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

on XXXXan unauthorized transaction for {$2000.00}. And another Unauthorized transaction on XX/XX/XXXX for {$830.00}. I became aware of Unauthorized activity on XX/XX/XXXX when I called US Bank to report I was locked out. This is the second time USBANk has allowed someone, other than me, access to my account. On XX/XX/XXXX a us bank employee informed me that someone made numerous calls in attempt to gain access and that a us bank employee eventually provided that access without verification of passcode on file. She said she would provide that documentation in my file. I provided a written dispute form and a copy of my id within ten days but I recieved a case closed letter XXXX stating no funds would be credited. Us bank 's own customer service representative, XXXX, informed of them allowing someone access without verification of passcode as well as the multiple calls made to gain this access. I tried contacting us bank but employee said it was nothing they could do. 
THESE UNAUTHORIZED TRANSACTION OCCURED ALMOST IMMEDIATLY AFTER USBANK RESOLVED THE FIRST ISSUE.
Consumer complaint received 2018-10-01
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: Bread Financial Holdings, Inc. (IN)

XXXX XXXX XXXX has sent me a letter saying I am wrong and I sent no backup information. I have sent it twice so instead of working with me.They crushed me on my credit rating. it dropped 137 points in one day and they have me paying late up to 60.days. I have already been turned down on a condo because of this and now I cant even get an apartment with them doing this. Theyhas trashed so many people 's lives look on XXXX, XXXX  which they are not approved. My life has been taken away from me from liars and theyhave been in trouble for this before.
Consumer complaint received 2018-06-05
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: NAVY FEDERAL CREDIT UNION (CA)

I bought this watch from XXXX XXXX XXXX for my sons graduation from XXXX XXXX XXXX I went to fitting room and I left my watch in there not knowing what I did i went to the main cashier paid for my other items as I was unloading I suddenly realized that I didnt have my watch I immediately ran inside and to the filling room sadly it was gone I called navy federal and report the insident today I received this insulting letter not only I lost I also have to pay for the lost is that fair?????
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

XXXX XXXX and XXXX XXXX refuse to close my CC account. I have asked them to close it 71 times but it stays open and reports on my credit bureau as open causing my bank to keep asking why the account remains open. My credit card agreement says I can close at anytime but HSBC refuses. This is causing problems for me. I have asked them to call me hundreds of times but they wont. HSBC call center says they can not close the account and it could take years. HSBC told me to drive 280 miles to the nearest HSBC branch and close it and thats the only way.
Consumer complaint received 2020-10-23
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: JPMORGAN CHASE & CO. (GA)

JPMCB CARD is reporting me as an authorized user on someone else 's account.

It is not my account. I have been disputing this with the bureaus and you keep verifying it. It is not mine and I have never signed anything. I demand you remove my name from the account and delete it from my credit file immediately.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked to the credit report bureau verify the information in my credit report about the improper information with 4 accounts. 
In according with the fair credit reporting act XXXX  4 accounts has violated my rights XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX FINA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

9. Identity Theft XXXX CRD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (CT)

On XXXX XXXX, XXXX XXXX sent a transfer from TD XXXX bank to XXXX Bank in XXXX XXXX .... using the same data on another transfer which was sent XX/XX/2019 and the second transfer was received three days later but the first one I sent for {$2200.00} plus {$40.00} transfer fee was lost and not received by my contact but the second one went through. I have included paperwork on the first transfer and the second as well as documents showing funds taken from my account and TD XXXX investigation team data sheet. I have a complaint number for XXXX Bank for your investigation ... XXXX but was told to put an investigation on TD XXXX  not helping the customer.
Consumer complaint received 2019-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (IL)

I received a letter from XXXX  XXXX XXXX. stating that PayPal Inc. has reported that i owe them a past due negative balance of $XXXX. The letter states that payment of this amount must be received to their office in 60 days, and that they were willing to accept partial payment of $XXXX. It reads: "If you accept this offer, our client will cease further collection efforts. Please note that acceptance of this partial payment offer will not reinstate your account with PayPal and the remainder of the negative balance will remain on your PayPal account."I quickly called XXXX  and asked to speak to a rep. I was put on hold and then sent straight to a voicemail. After, I called PayPal to confirm that this information was incorrect. I let them know I rarely ever use my PayPal account and this could not be possible. The PayPal rep asked me if i have a PayPal credit card, which I do not. He said that would be the only way PayPal would ever contact me about any money owed to them, by mail. He confirmed that my account is NOT in a negative standing, and also that there is a small balance on it. I asked him to please email me my statements, and he emailed me statements from XXXX  2019 - XXXX 2019. After reviewing these statements, no where on any of them does it show a negative balance, nor have i ever received any emails, mail, phone calls, etc from PayPal indicating that this information is accurate.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Citibank has been aggressively marketing a Citi Accelerate Savings Account.  On XXXX XXXX I decided to open an account and fund it with savings from my non-Citi bank account.  As soon as I opened the account I noticed that I did not get any email confirmation that the account had been opened.  Concerned that there was no documentation of the transaction, I called and decided to close the account that same day.  The next day I get a call from my regular bank telling me that Citi had withdrawn money from my account.  I called Citi (not easy to do) and spoke to a New Account Supervisor XXXX #XXXX. She said that because the account was closed, the money went into a "subledger account"  I could either wait 4 days to have the money redeposited in my bank account, or she could try to reopen the Citi savings account and deposit the money there.  4 days later she calls and says that I should expect the money to be deposited in the new account.  I checked the citi savings account and the balance was XXXX. I called XXXX and spoke to 3 people, the first two apologized and "disconnected me" finally the 3rd person (XXXX #XXXX) connected me to another supervisor, XXXX  (#XXXX) who said that she never heard of XXXX. She would have to put in a request and I would have to wait.  I asked her what would happen to my funds if this is not resolved.  She said that Cit would send the money to abandoned property and I would lose it.  It's been 14 days and I am concerned that I am stuck in this loop where they keep bouncing me around, giving me excuses, and avoiding the return of my funds.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

Zales COMENITY BANK CREDIT CARD OFFERS A DEFERRED INTEREST WITH NO INTEREST IF PAID IN FULL. ZALES DELIBERATELY PAYS DOWN ON THE VARIOUS PURCHASE IN THE ORDER OF THEIR CHOOSING AS WELL AS THE AMOUNT. THE CHARGE FULL INTEREST ON TOTAL PURCHASE FOR BALANCES NOT PAID. EX. I PURCHASE XXXX RING I PAY DOWN {$600.00} AND HAVE A XXXX BALANCE THE CHARGE 29 % INTEREST ON THE TOTAL PURCHASE {$160.00}. THIS IS ABUSIVE. IF I AM MAKING TIMELY PAYMENT I SHOULD BE ABLE TO CHOSE WICH PRINCIPLE BALANCES I WANT TO PAY AND THE AMOUNT FOR EACH ONE. IF MY BALANCE IS XXXX AT THE END OF THE PROMOTION THEN I SHOULD ONLY BE REQUIRED TO PAY THE BALANCE FOR THE XXXX. NOW THAT THEY HAVE CHARGED ME THE INTEREST FOR THAT 1ST PURCHASE THEY DID NOT APPLY MY PAYMENT TO THE OTHER TWO PURCHASES AND DID NOT GIVE ME THE OPTION TO PAY IT FIRST. FOR EXAMPLE LAST PURCHASE {$60.00}. COULD HAVE BEEN PAID IMMEDIATELY UPON MY FIRST PAYMENT. THEY PREVENT US FROM DECIDING WHAT I WANT MY PAYMENT TO APPLY TO FOR THEIR SELF INTRUST!