davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a victim of shipping scam issue. On XXXX XXXX, a person approach me from my country, XXXX acting as a staff working in shipping company, telling me that I have a gift box sent from the States with some money in it. XXXX custom has found out and suspect that it is a money laundering case. To be able to clear the custom, I have to pay them XX/XX/XXXXXX/XX/XXXX or XX/XX/XXXXXX/XX/XXXXusd to them. I was panic of getting into a lawsuit case with the government. So at that moment, I fell into their trap, and transfer XXXXusd, which was my maximum limit of transfer to a XXXX XXXX XXXX account. But later, I feel something is not right, and called Bank of America, my own bank to seek for help, maybe can reverse the transaction or stop the transfer. I am currently in XXXX and have waited until the operation time of BOA, but they only reply with filing a fraud report. However, I did not receive any email from them after the international call to BOA. They said I need to wait for ten days for a form to sign. But since the call, Ive never get any updates from them. I hope you can help me.
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-10-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I/We have previously DISPUTED, this ( joint ) account on two separate occasions with the company through Experian ( includes, the amount owed ). However, Experian refuses to attach our consumer statement ( s ) this is a joint account. My husband and I, mailed ( Via Certified Mailing w/Return Receipt Requested signed and dated by Experian on XX/XX/2020 ) our consumer statement ( s ) to be attached to our XX/XX/XXXX XXXX XXXX Account ( for vehicle ). We have shared with XXXX XXXX XXXX  on numerous occasions in writing ( via emailed correspondence ) that due to the National Pandemic ( Covid-19 and extended unemployment ), we are having difficulty paying our car payment ( s ) on time since XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; including, going forward of the National Pandemic and until our financial hardship have changed. However, as of this filing, our ( Joint ) statement isn't included on our personal consumer credit files. XXXX XXXXXXXX XXXX XXXX continues to report late payments to our personal Experian accounts in spite of our filed DSIPUTES, emailed correspondences. Experian, is guilty of violating, the Fair Credit Reporting Act 15 U.S. C.1681 ; AND ALL CREDIT REPORTING ACTS. ALL SUPPORTING DOCUMENTS WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU FOR PROCESSING OF THIS COMPLAINT!
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

So I had a credit card purchase denied today on a Citibank branded credit card. I logged onto my citibank account and saw all of my credit cards and my wife 's credit cards closed. In addition XXXX citi thank you points, {$710.00} in cashback ( and based on the credit cards terms I should have a bunch more they just posted ) {$200.00} in cahsback, and another XXXX in citi thank you points were gone from my account. I received no email or letter regarding this. 

I called citibank and the representative confirmed my accounts were shut by the bank, they claimed an email was sent on XX/XX/XXXX ( it was not, I have nothing in my inbox or my trash and the representative confirmed my email is on file ). He also claimed i am losing all of my points and cashback, and said he can't discuss this over the phone and didn't give me another options saying possibly a letter will come in the mail and maybe I can respond there. Regardless on the citibank website it told me to call the number I called, so it seems they are giving me a runaround. 

I would definitely like to get my points and cashback, like to know why they shut all my accounts and if possible get it reinstated. 

Thank you
Consumer complaint received 2024-03-01
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. (TX)

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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-12-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

3 months ago, I got my college graduated and move back to XXXX, therefore I need to transfer the rest of my money ( a little more that {$50000.00} ), into the account of my girlfriends. 
I had very limited time, so I took more than 3 phone calls to the Bank of America to ensure they know it is me doing this tranaction. And I was promised that such transaction can be done through online banking services. Knowing that, I steped on the plane back home. 
Then I found that this transaction could not be done, and my online banking account got blocked, because what I did was somehow suspicious. 
So I start calling the customer service number, since XXXX, till now. Trying to convince BoA to finish the wire transfer, or at least unlock my online banking accuont os that I can transfer it to any other account. But I was told the only way of unlocking it, is to visit a off-line counter with two forms of my IDs. Which is physically impossible for me. First, I am not anywhere near US. Second, even if I was at US, passport was all I need and I never had two forms of IDs. 
My money has to be back. The account can not be unlocked. From what I have been told by BoA, it seems, there's no department to report to, no Email address to talk to, and absolutly no way to solve my problem. 
All they need is a proof of I am acually me. I suggested that we could contact by email, or find a off-line counter and make a video call. I can prove that I am the holder of the card. I can even send my passport to them to prove that I am who I am. But none of that works. 
So I have this question for BoA : Is it real that as long as I don't set foot on the land of the United States, I can never get full access of my own account?
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2020-12-04
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Google Compare Credit Cards Inc. (MA)

Date : XX/XX/2020 Amount : {$500.00} XXXX play & {$1200.00} XXXX Action : I tried reaching out to both companies but no help. 

Someone acted as if they were one of my managers and emailed my work email from a personal email. It's not out of the ordinary for one of my managers to have us pick up something or drop off something somewhere. So the person ( acting as if he was one of my managers ) asked for my cell phone number and told me to pick up gift cards for clients. He mentioned that he was on a conference call. ( sidenote : a few of our clients are coming into our office next week which made it more believable. ) My manager wasn't in the office for me to ask him personally so all of our messages were via text. He told me to urgently pay for gift cards for clients and scratch the back off and take a picture of it. The sad part is, this is something my manager would actually do. He would rush us to complete something. I guess the only difference is that my manager would have provided with his company card. But since he wasn't here, he claimed to reimburse me. Then after he rushed me to make different purchases with gift cards, I discovered it was a scam after scratch the gift card backs and sending the scammer a picture and talking to my coworker about it!
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

We have been trying to get a demand for payoff of this loan since XX/XX/2020. We provided Fay Servicing all they needed to confirm the borrower, XXXX XXXX passed away and his wife XXXX is in escrow to sell this property. Escrow is scheduled to close TOMORROW and we still don't have the payoff. I spoke with XXXX XXXX who is a manager in the payoff department, and he advised me to re-submit my entire request to another department, so now we are having to start all over on our request. I did that, but still don't have a response from XXXX. I need a demand TODAY as they are holding up the sale of this property, and the buyer 's interest rate is expiring tomorrow. This will cause our seller to have to pay to extend the buyer 's interest rate.
Consumer complaint received 2020-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

Navient is continuing to charge student loan interest. When I asked them they said that is only department of education loans. My loan originated from there and I was in default but have been out of default for some time now.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I noticed a change of Credit reporting back in XX/XX/XXXX where there was a collection fee and affected my credit substantially. 

In an effort to lower my debt and be current with all debtors i contacted XXXX XXXX XXXX XXXX about a debt they reported in my Credit report. 

I filed all documents and sent them by email faxed, explaining this charge was not made by me since i do not have this card anymore since XXXX or earlier. 

And that on that date, i was not in The USA, i was overseas doing some work. 

So i ask them to verify where the merchant sent this order and verify it was not in XXXX XXXX. 

i received a document from capital one, card, stating than i have a purchase made on XXXX, XXXX, XXXX for {$120.00} to a web page XXXX for a charge of XXXX GBP in XXXX Pounds, Clearly not local, so is a charge of ID Theft. moreover from an account number which was not in use for more than 5 years, so how come the credit card Agency does not close an account where no card has been registered in more than 6 months. 

I ask to take this charge write off my credit report, since i will not pay for any expenses, since i did not make this purchase, but is clearly affecting my credit report, So hard trying to keep it clean as it was before the Divorce. 

Please i request your assistance removing this from my credit reports.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (KS)

To whom it may concern, I am writing today, to request an investigation into an incorrectly deposited check from XXXX XXXX. On XXXX XX/XX/2020, I requested a balance transfer with XXXX XXXX in the amount of {$650.00}. This was meant to go to a credit card with XXXX XXXX - XXXX ; however, the form with XXXX XXXX  auto-filled to Citibank and the following Citibank address : Citibank XXXX. XXXX XXXX XXXX KY, XXXX I did not catch this error during the balance transfer process, nor fully discover the error until XXXX XX/XX/2020, when I contacted XXXX XXXX. A stop was issued for this check : check # XXXX in the amount of {$650.00} from XXXX XXXX. However, the check was cleared by Citibank on XXXX XX/XX/2020. After speaking with several representatives with both XXXX XXXX and Citibank, I was advised to send a letter to formally request an investigation into the funds ending up in an unclaimed property bucket, or more simply put where the funds ended up, as well as request a refund in the amount of {$650.00} be issued directly to me, as there is no Citibank account for this to post to. XXXX XXXX advised due to the check being cleared by Citibank, they can not and will not be offering any further assistance with the matter, offer any investigation on their end, or speak directly to Citibank, and that I am to handle this directly through Citibank to get this resolved. Any assistance in this matter would greatly be appreciated, as I am currently stuck in limbo. 

I sent a letter with this information, and more, on XXXX XX/XX/2020 to Citibank, then again on XXXX XX/XX/2020. I have sent this information to two addresses : Citibank XXXX. XXXX XXXX XXXX KY, XXXX Citibank XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX I have not heard a thing, and on XXXX XX/XX/2020 I opened a checking account with Citibank, in an attempt to now be a customer, and receive some assistance. I am still receiving the same run around from Citibank, and no headway has been made, as they tell me they will not look into the matter, without XXXX XXXX XXXX involvement, which XXXX XXXX stated they will not assist with.
Consumer complaint received 2020-12-09
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 (PA)

On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows : XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX. XXXX The creditor ( Bank of America ) received my written request identifying the merchant, amount and date of transaction and it has responded stating that Bonk of America is unable to process inquiry I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX  to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. Bank of America representative XXXX XXXX, Bonk of America, Resolution Specialist kept looking for excuses inventing reasons to deny helping me. First, XXXX XXXX stated that he is unable to find disputed transaction. When I provided him with letter identifying the disputed transaction, XXXX XXXX falsely claimed that there have not been claims filed for these transactions within the allowed timeframe. When I provided him with the banks response to my dispute stating they are unable process inquiry. XXXX XXXX  stop responding to my communications. Eventually he run out of excuses. XXXX XXXX  is either inept and unable to help or he is just dishonest and purposely avoiding answering my inquiries. 
It appears that the creditor ( Bank of America XXXX either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX XXXX, XXXX had money provided ( {$220.00} ) in my suntrust checkings account for a certain transaction that was due the next following day. I paid my bill to a creditor that was {$160.00} afterwards the next day but made an additional transaction prior ( that same day ) that was for a fast food place that I was covered for. Only 2 transactions. I was charged twice ( just afterwards Suntrust made my account go over ) for an overdraft fee for both in which I had funds still available. {$54.00} remains. Suntrust fails to remove both overdraft fees making it seems like I didnt have any money when i did. And Suntrust just charged another excessive overdraft fee.