davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been unsuccessfully trying to dispute ALL these fraud charges for over a year since XXXX when i first inquired about these charges with Bank of America to XXXX starting the dispute. I have been a victim of identity theft and its effecting my business, banking relationship, and cash flow tremendously because im still making payments and on the hook for charges I didnt do. My cards were stolen and its been plenty of charges made that i am paying for to remain current client with BOA that I didnt do. Everytime we do an investigation the problem is BOA 's fraud department can only look back one year so the majority of charges are not even seen by rep anymore. Also when i first started this dispute the charges could be seen but you have to wait 90 days for an answer on disputes and its no inbound calls to this department to sort out so here i am another year later still disputing this because XXXX cant talk to anyone in department. All the fraud has been removed from previous disputes on same matter and charges have been ruled fraud that they could see and investigate but the issue is the charges started in XXXX and they are not able to be seen now by representatives. When i started this dispute the charges werent properly input so I had to wait 90 days and dispute again, so then even less charges were able to be seen from the past. This is why im reaching out I tried to resolve with the merchants but i cant resolve because i cant get information on account I didnt create to authenticate the charges all i can do is prove they were done on my card. Literally every transaction they investigated has been deemed fraud and that i didnt do it and its been adjusted on my account from my previous disputes about this same matter except the charges from past in XXXX the representatives cant see anymore. Attached are all charges between XXXX XXXX that have occured that have not been addressed due to bank of america back XXXX system only showing 12 month in review. 

Merchants that fraud came from are ALL charges from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ends in XXXX my open fraud case is XXXX
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Every time I add a new person to online bill pay and send that new person a payment through online bill pay, CaptialOne360 locks my account until I call them on the phone. To call them on the phone, I have to wait on hold for more than an hour ( when this happened yesterday, I had to wait 1 hour and 11 minutes ). The effect is that, without warning, the bank unilaterally locks me out of account access, cutting off all access to my money, unless I wait hours on the phone. They also sent me a misleading and coercive email in which they threatened to close my account unless I called them. On the phone, when I asked them about their threatening to close the account, CapitaOne360 SAID AND FULLY ADMITTED THAT THEY DO NOT ACTUALLY CLOSE ACCOUNTS AND THAT THE EMAIL PURPOSEFULLY THREATENS TO CLOSE CUSTOMER ACCOUNTS IN ORDER TO COERCE CUSTOMERS TO CALL and waste hours of their time if a customer wants to get access back to the customer 's money, even though the bank will never actually close an account.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (CT)

Navy federal was offering a service that would credit your account to a positive balance to allow the use of the child tax credit which any moneys owed would be withdrawn in XX/XX/2022. The bank sent a message out Im error of navy federal that provided the incorrect amount, I just received a new amount which is triple. They arent willing to offer any assistance or payment arrangement.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IL)

I have contacted my bank. PNC multiple times because between them and XXXX  XXXX i havent had access to 450 dollars for over 6 days. Its not reasonable or fair that the government allows these large billions of dollar companies to take advatage as they please of normal everyday people. I have literially had no money for 5 days because of this.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (PA)

Recovery specialist, XXXX XXXX, called multiple times, leaving voicemails on my phone as well as on my husband and mother in laws. She left my personal information as well as threatened wage attachment and asset XXXX. I have saved the voicemails. When I called XX/XX/22, she said she did not say that. Accused me of trying to get out of paying my bills. Started yelling and saying I just want to get out of paying my bills. I tried to say to cease and desist any further communication but XXXX XXXX decided to say pay your bills and hung up on me. I called back to verify she heard my cease and desist and she said yes, she did and to pay my bills. Thankfully calls are recorded and I have the saved voicemails. ARS sent a notice of the debt on XX/XX/22 AFTER my cease and desist. Unacceptable behavior by XXXX XXXX and ARS!!!
Consumer complaint received 2019-02-22
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: EQUIFAX, INC. (VA)

I recently received an annual credit report and it include a " HISTORY '' going back several decades. When I asked why they even had that information I was informed it helped with rating my credit score. 

I was under the impression the only thing that affect a score was recent history. I had no idea they could even retain records going beck 30 years or more. 

I also don't believe this should impact my credit rating. When I asked they to delete this information from their records, they refused. 

Is there some way to correct this?
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

made a purchase at XXXX XXXX XXXX at XXXX today, at XXXX i received a text message saying my debit card is temporarily locked, i called my bank, they said not true, the message said to call XXXX XXXX # ) Visa-Card temporarily XXXX, i did not call them, i think it is a scam!!!
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

I have opened an investigation against XXXX ( former XXXX ) with EQUIFAX. I was told that because I had a lot of documents it would be better to fax the information in. So I followed what I was told. After 30 days I receiving a DELEATION notice, after that another and another ... a total of XXXX separate deletion notices. On XXXX XXXX the trade line ( which contains fraudulent information ) with was re-instated! 
I did ask why it 's back on my file? without notice to consumer? and why the creditor was not asked to certify that the information was correct? 
I was told that : the creditor was not asked to certify the information and that it was not necessary. I was also told that Equifax somehow between the fax and phone conversation had opened more than XXXX dispute and even though all contained different information the creditor could choose to answer ONE.. that was enough to be re-instated and even though they did n't answer on time that was OK too! Now they are still on my credit report, a charged-off account for over 7 years to be exact for 7 years and 4 months. See Deletion notice from XX/XX/XXXX XXXX ( un-answered dispute =deleted ), See Deletion Notice XXXX ( un-answered dispute =Deleted ), and XXXX 3rd Deletion provided to me over the phone on XX/XX/2015. EQUIFAX did not follow any of the lawful procedures. If they made mistakes on their part they need to remove the XXXX XXXX trade line. It also defeats the purpose of the dispute process if creditors are allowed to skip over some disputed and only answer some but not others and answer in what ever time frame they wish not when they suppose to answer ... totally unlawful!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Every time that I called to try and alter my repayment type, they were saying that there was really no way to improve upon my payments. For some reason, I was still having to pay over {$2000.00} a month. This took a huge hit on my financial situation, and eventually had to go a different private route that has become difficult on its own. I also felt that every time I made a payment, the total principal barely went down. When I questioned this to them, they were saying that I was unable to pay off the principal more, and was only able to pay the interest at this time and what was minimally owned. It became increasingly frustrating that I was being forced to pay so much off, and the principal barely lessened over time. Something definitely seems off.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies that require your attention. The following are the details of the disputed items : The personal information listed on my credit report is incorrect. The previous addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX are not accurate. This violates my rights under the FCRA to have accurate information on my credit report. 

Several credit inquiries, including those by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, have reached the statute of limitation and should be removed from my credit report. This violates my rights under the FCRA to have only accurate and timely information on my credit report. 

The accounts listed with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have questionable names and numbers. I request that you either clarify this information for me or delete these accounts immediately from my credit report. This violates my rights under the FCRA to have accurate and complete information on my credit report. 

As per the FCRA, I request that you investigate these items and make the necessary corrections to my credit report within 30 days of receipt of this letter. Please inform me of the results of your investigation and the actions you have taken. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

I have made repeated attempts over the last 6 months with XXXX XXXX, XXXX, and Experian to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!
Consumer complaint received 2019-10-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 we purchased a money order to pay for rent, for the amount of {$1000.00} which was dropped off at the post office to deliver to our property management. The money order was stolen and cashed at a Wells Fargo, the MO was written to XXXX and someone else cash it because they never received it. We tried doing a claim directly with Money order with no success, we filled a police report and also no success, and we even filed a claim with the payer, Wells Fargo with also no success. They couldn't do anything to help us, this is why I'm writing this claim, it's {$1000.00} which hurts us financially. I am trying to do everything I can to get that stolen money back.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

I have made repeated attempts over the last 6 months with XXXX XXXX, Equifax, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union (TX)

As the owner of the property XXXX XXXX XXXX, TX XXXX. 

I only need one Flood Insurance Policy. 

My Mortgage company ( First Tech Federal Credit Union ) made a mistake to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX.

I made a complaint and advised them that I was trying to cancel one of the flood insurance and requested them not to send payments to both Insurance companies. 

However, they continue to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX. 

My home is in the flood zone, so the mortgage company automatically deducts escrow money from my checking account. I have no way to stop them
Consumer complaint received 2016-09-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (NV)

My account with Miss managed by reps causing me to be further behind affecting my credit report when I was told different by reps that claimed I could make arrangements to avoid going negative on my account when I was not able to afford to make a full month 's payment. When I unexpectedly went into collections for my loan I was surprised I was assured I would be in good standing then when I called in to address the situation I was yelled at, I was contradicted and I was asked " my version '' of the events when I confronted the ref who had made the mistake he said quote he works so many accounts I ca n't really recall what happened
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

On the XXXX of XX/XX/2021 my employer XXXX XXXX XXXX XXXX XXXX contacted Netspend ( Skylight One ) Bank and had my account closed with {$15000.00} still in the account and prepaid card. When trying to contact the bank/company they could not enter into the account nor aid me with withdrawing the money my employer had deposited. After trying to contact my employer numerous times regarding the money still in my account they blocked my phone number and refuse to take any calls. The bank refuses to aid in any way to withdraw or transfer the money from that prepaid account onto a seperate bank account saying I need to contact my employer so they can allow the withdrawl or transfer. My prepaid card no longer works and I can no longer make purchases using the card or withdraw money from ATMs.
Consumer complaint received 2022-02-09
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: FB FINANCIAL CORPORATION (FL)

FirstBank mortgage unfairly reported our account as 30 days late. This was the first late charge my wife and I have EVER had in our 20 years of credit history. 
FirstBank failed to notify us in a timely manner, that our payment had not been processed. By the time we learned about the late payment, FirstBank had already submitted a negative report to the credit bureaus. This is not right. 

FirstBank failed to provide even the most basic level of customer service. If they had simply called us to let us know there was a problem, we would have gladly wired them the money the very same day. Instead, FirstBank 's incompetence, and continued indifference has resulted in a significant impact to our credit scores.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (DE)

NCC Business Service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account is paid in full and was told that if was paid the account will be taken off my credit report.
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Funding took me to court and after 3 court appearances the judge dismissed case with no Prejudice. I sent in court docs to all XXXX credit bureaus and they will not take off and Midland is calling and sending docs trying to still collect.
Consumer complaint received 2022-08-04
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. (TN)

TransUnoin File Number : XXXX. | ** They are denied my request for dispute stating that it is unauthorized. So TransUnion won't process my request for File # XXXX. I am reaching out to CFPB to help with the delay tactic and refusal of my rights to dispute. | * See Attached Documents
Consumer complaint received 2016-09-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PROSPERITY BANCSHARES, INC. (TX)

The banks 's account holder and his employees testified under oath and admitted to wrongfully endorsing checks made payable to my Company and ( XXXX ) and depositing them into accounts with Prosperity Bank without my authorization. Also, he admitted that he attempted to get an assumed name the same as Company. Prosperity Bank and it 's account holder are not disclosing the total amount in which were deposited but we know that it around {$100000.00} XXXX or more. This has really affected my business and have sent me through extreme financial difficulties. I have lost everything and it seems as if my issues are not being acknowledged. 

Properity Bank told me that there was a document is place in which allowed the endorsing and depositing of checks made payable to my company ( XXXX ) but they refuse to produce it. Any document in which purports to authorize their actions is a Fraud Document. 



Thanks
Consumer complaint received 2016-06-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/16, a company called XXXX from XXXX XXXX XXXX XXXX XXXX, SD XXXX did a hard pull of my credit report. 

I must say, I applied for a credit card at Citibank and the hard pull from Citibank it shows on my XXXX report ; as a result I have to hard inquiries on XXXX/XXXX/16 : XXXX from XXXX and another from Citibank. I do n't own any products from Citibank. 

I do n't know who XXXX is? Or why are they doing a hard pull on my report when I did n't authorized it.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (OH)

I turned in a Honda Civic I was leasing in XX/XX/XXXX. On that date, I received a new Honda Civic. On XXXX/XXXX/2015 I woke up and found my new Civic was gone. After calling everyone I needed to report the car stolen, I found out it had been repossessed. I called Honda Financial and asked why. They informed me it was due to nonpayment and I was XXXX days behind. I asked how since I made every payment. They did check into it when I stated all my payments have been made. They saw the money had been routed to my old account instead of my new one. I asked if there was anything I could do to get it out of repossession and clean this off of my credit report since I have never missed any payments and they could see that when they checked my accounts. They informed me I had to talk to the recovery department about this. I had many issues with the recovery department the first day I tried to talk with them. I called numerous times to be routed to someone else I could speak with to work out my problems with the person I was dealing with in recovery and with my account. However, every call was forwarded to the person I was having problems with and I was told by her, there was no supervisor available and no one else to take the calls or complaints. 
I admit, I forgot to change the account number on my online banking. I also did not open any mail due to the fact I knew how much my bill was and what date it was due and that I had made all the payments. I never received a check back from Honda until after it was repossessed. Had I received this, that would have sent a flag up to me to call and fix the problem. 
After trying to work something out with Honda, I was told there was absolutely nothing I could do and would have to pay all repossession fees, the lot fees and have it on my credit report.
Consumer complaint received 2022-02-09
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. (MS)

Please see the attachment letter which ask you to validate bankruptcy record and supply proof of how it was verified. Please note that I have attached proof from the bankruptcy court which shows that they did not furnish this record nor did they verify it.