davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I applied for an XXXX Signature Visa card, but was not immediately approved. Without my consent or knowledge, Bank of America issued me a Visa Platinum card instead ... without nearly any of the sign-on bonus or benefits of the Visa Signature card I applied for. The point is that I applied on the website for the Visa Signature card and was automatically issued a lower-grade credit card without my knowledge. I did n't know until I received the card in the mail, despite checking the application status website daily! The website also at no point indicates that I might be assigned a different card. This is a blatant example of bait-and-switch by Bank of America that has left me ineligible for future sign-up bonuses from XXXX.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SYNCHRONY FINANCIAL (NH)

repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against Equifax Information Services LLC regarding inaccurate information and unauthorized changes made to my credit report. Despite multiple attempts to address these issues directly with Equifax, I have not received satisfactory resolution, prompting me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ). 

Background Information : I am a consumer who was affected by the Equifax data breach. In response to this breach, I submitted a claim for the extended settlement. Approximately three weeks after submitting my claim, I noticed several unauthorized changes made to my Equifax credit report, which have negatively impacted my creditworthiness and exposed me to potential identity theft risks. 

Issues of Concern : Reinstatement of Negative Accounts : Following my claim submission, Equifax inexplicably reinstated derogatory accounts on my credit report, which had previously been addressed through the settlement process. These accounts were erroneously re-added without my consent or justification, adversely affecting my credit score and financial well-being. 

Reappearance of Outdated Addresses : Equifax also re-added outdated addresses to my credit report, despite my previous efforts to have them removed. These obsolete addresses do not reflect my current residence history and serve no legitimate purpose in assessing my creditworthiness. Their presence exposes me to identity theft risks and inaccurately represents my credit profile.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

Received credit card statement from Citi - which is a Costco Anywhere Card. 
Nowhere in XXXX PAGES of the bill, could I find where it states who I should make my check payable to. XXXX call : She said Citi Cards then I was disconnected ( my fault ). I called back, another said Citi or Citi XXXX. I explained that I wanted something in writing to say EXACTLY who I should make my check out to. She wanted my full SS #, my complete name and address, and my account number and full date of birth. I would n't give her that so she said she could n't pull up my account. Transferred to Supervisor XXXX ( XXXX ) who said I should make my payment to Citi Bank. Again, wanted all my info so I could get something in writing as to where as to whom I should be making my payments to. I would like to know why a major financial institution is not practicing normal business and financial protocol. If I were running a business, I would be so grateful to a customer pointing out such a glaring omission on my invoices. I hope Citi, or whoever I 'm supposed to make my payments to, appreciates my feedback and gets this corrected.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (GA)

I paid an advance payment of {$500.00}. just to pay down my balance, then noticed that it said pmtonhold. I called them and they said they do this to protect themselves from my bank rescinding the payment. They hold the payment for 7 days. I said this had not been done ever, and was not acceptable. I paid it down so I would have credit available for other things. They said this might be done for 3 to 6 months before it would be off my record. This started when I inadvertently paid {$1000.00} pmt twice by accident, but my bank caught it. Said they would recall it from Barclay. I had accidentally paid it on XX/XX/XXXX & XX/XX/XXXX. I 've talked to everyone, but they say once it goes into their system, it ca n't be reversed & they ca n't tell me how long it will remain on my account. I pay a payment 2 or 3 or 4 times monthly so that I keep my balance down and have more credit to use. I want my points. 
This is NOT SATISFACTORY to me. I am human and made an honest mistake. 
They say they ca n't rely on my bank not to recall another pmt. so they are protecting themselves. I ca n't send them {$1000.00} so they will hold it 7 days before I can use it. I told them I thought this was illegal. 
Please help me get this hold removed off my account Thank you/ XXXX XXXX XXXX
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

More than ice I 've consolidated wit h Navient and s et up a payment plan with autodraftst from my bank. It 's never the price they say it would be and I felt with it but the worst part is every time I set it up they cancel it, stop autodrafting and call me back to make new plans. Sometimes as early as a month later. I 'm tired of dealing with them.
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IA)

In XX/XX/XXXX I pulled copies of all 3 credit reports from the credit bureaus. I noticed I C Systems Collections listed as a collection account. In XX/XX/XXXX I disputed with all 3 bureaus and it came back as verified. On XX/XX/XXXX I sent a certified letter demanding validation of alleged account. ( Certified mail receipt enclosed ) Prior to this I never received a dunning notice. I was never notified within 30 days of placing negative information into my credit file.
Consumer complaint received 2015-04-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc. (NC)

Optimum Outcomes, Inc. filed a collection on my credit report. In the past, my late fathers medical bills had been mixed with my bills because I cared for him and we shared the same doctors. I disputed the debt with the credit reporting agency. Their investigation came back verified. I contacted Optimum outcomes and the lady was rude and was not willing to communicate other than stating I owed the debt. I then wrote a request to Optimum Outcomes for proof of the debt. They responded with only a letter showing the same information that was on the credit report and stated this was their validation and they were only required to do this once. No proof of agreements between me and the original creditor, the creditor and collector, payment history, original agreement, itemized statement or anything else that would prove the debt. Only XXXX insulting letter for verification.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please note that on XX/XX/2020, BOAincorrectly debited my EDD debit card for {$16000.00}. 
I filed a complaint against BOA with CFPB. 
Then, in XXXX of 2020, BOA credited my EDD debit card for {$11000.00}. 
BOA still owes me {$5000.00}.
Consumer complaint received 2022-02-10
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: Synovus Bank (TX)

XXXX XXXX, the consumer sent out a notice with my id and bank statement for proof f address regarding the transaction and experience reporting on my consumer report. First Progress is reporting utilization on my credit card which is a clear violation of 14 USC 1681a2 ( A ) ( i ). Not only that but late payments are being reported which is a clear violation of 15 USC 1666b.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (IL)

Convergent Outsourcing Inc never sent me anything in writing concerning a debt from XXXX. Furthermore they have been calling me numerous times on my personal mobile from a local number ( XXXX ) and they are located in Washington. I spoke with a representative and she informed me that the amount that Convergent Outsourcing was charging me an additional collection fee because my account was sent to collection. Lastly the representative express that they have a random automatic dialing system that calls me numerous times a day from a local number to increase the chances of speaking with me.
Consumer complaint received 2016-01-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

THERE WAS A FRAUDULENT PURCHASE MADE ON MY MACY 'S STORE CARD XX/XX/2015. CALLED COMPANY, INVESTIGATION WAS MADE AND THE FEES WERE SUPPOSED TO BE REMOVED, TOTALING A BALANCE OF {$0.00}. I REQUESTED CLOSURE OF THE ACCOUNT IN XXXX 2015. 

MY FIRST PHONE CALL TO THE COMPANY WAS IN XX/XX/XXXX, TO CLOSE THE ACCOUNT AND START AN INVESTIGATION. THEN I CALLED IN XX/XX/XXXX, BECAUSE THE REQUEST IN XX/XX/XXXX WAS NEVER DONE. TRIED AGAIN IN XX/XX/XXXX, TO FIND OUT THAT MY OLD ACCOUNT WAS CLOSED AND MACY 'S SIGNED ME UP FOR A NEW ACCOUNT. AND MY LAST CALL WAS IN XX/XX/XXXX, WAS NOTIFIED THAT MY NEW ACCOUNT WAS ACCRUING THE LATE FEES FROM THE OLD FRAUDULENT ACCOUNT. I SENT THE COMPANY XXXX EMAILS, WITH NO RESPONSE. AND I AM STILL RECEIVING EMAILS THAT I NEED TO MAKE PAYMENTS ON THE NEW ACCOUNT, THAT I ASKED THEM TO CLOSE IN XX/XX/XXXX.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC (NC)

Multiple calls from two numbers : XXXX Call asking for an " XXXX '' ( After finally calling the company back, the communication was EXCEEDINGLY rude, and I was hung up on after asking for them to identify themselves and WHY they continued to call me. Particularly when I had said I didn't know who this person was. ) and XXXX Call asking for a " XXXX '' ( Multiple calls. Final call was with harsh communication stating there had been " several letters sent on letterhead ; very much a lie. And threats of legal action. Also tried to call back, left messages to have them call back and identify themselves, with no response, after I stated I was NOT XXXX nor did I know who this person was. )
Consumer complaint received 2016-09-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Colony Brands, Inc. (NY)

I was called on XXXX XXXX to make payment -at the time I did not have the money - 4 days later I called this very company to make full payments on all the companies they work through -call was recorded - I paid all my accounts that the customer service rep could see that had a balance - I asked about XXXX account and the lady said there was no balance showing. XXXX XXXX XXXX call me dunning me for a payment- I had made all my payments to my knowledge ( XXXX other companies- they sister with ) if the balance for XXXX themselfs would have been visable to the customer service rep that account would have been paid off also.Now after I have been verbally assaulted by XXXX of there debt collectors and told " good Luck with getting this off your credit report '', they had turned it over to a credit collector in TX - I have made it very clear to this company XXXX when I 'm able to pay the balance I would- I have been under going several medical procedures and treatments do to a car accident and I 'm barely squeeking by month by month on No-Fault insurance payments! This is why I tried to pay ALL of my accts XXXX XXXX because I knew I was going to be under going these treatments and money was going to be non existing - So now Company is Destroying my credit scores by reporting this to the credit agencies and I have worked my but off trying to get scores up so to better my living arrangements - they are illegally punishing me for there lack of available information for there customer service reps- Does it make since I would pay off all my other accounts but not this XXXX? I have proof of the payments made through XXXX payment center on XXXX they had the information avalible to customer service rep it would also have been paid off! I do not have money on demand at their error-I paid all accounts with my tax return money so this needs to be pulled off my credit NOW because this was and is their fault not mine!
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

My husband has a bill from a hospital. I am not a guarantor or responsible party as far as hospital is concerned. Debt Collection company added me on the bill and is reporting to Credit Reporting Agencies that i am in collection. They said California is a community property state so my husbands debts are mine also and they wo n't take my name off.
Consumer complaint received 2017-03-13
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (NY)

Navient agent XXXX has been calling my neighbors and my wife 's work after we have told them repeatedly to stop. We have told them repeatedly to stop calling her work and our neighbors but they continue. They say they will take the number out of their system, but we have voicemail proof they still call.
Consumer complaint received 2015-05-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial (CA)

On XXXX/XXXX/XX/XX/2015, at XXXX XXXX PST, I received a voice mail from XXXX XXXX with XXXX XXXX at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in New York. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.
Consumer complaint received 2017-02-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Mandarich Law Group, LLP (CA)

i was sued and my wages were garnished for a account that was identity theft and the company refuses to give me my money back also put a judgment on my credit report this is gone way to long now they dont answer me case # is XXXX i have sent all paper work for this and they ignore all request
Consumer complaint received 2017-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am owner of an XXXX and XXXX XXXX - XXXX XXXX of XXXX in XXXX, FL. XXXX.Phone number XXXX XXXX XXXX. 

On XX/XX/XXXX we were duped by an erroneous person pretending to be the real estate agent by email for funding of the sale of a property at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The money was wired to a Bank of America Accoun at XXXX XXXX XXXX, XXXX, TX with the name of XXXX XXXX XXXX XXXX XXXX. The checking Account number was XXXX XXXX XXXX and the routing number was XXXX. 

The wire was initiated at XXXX XXXX. At XXXX XXXX we called our bank XXXX XXXX to report the incident and to stop the wire. Right after that the wire department at XXXX XXXX was calling Bank of America and trying to stop the transfer. 

At the same time a complaint was also initiated by us to the FBI. Which will be included if we can upload a copy of the complaint. 

Until now Bank of America will not confirm to our bank as to where the funds are and any details of what has transpired. They just keep telling us that it will take 60-90 days to complete the investigation. 

It is now the XX/XX/XXXX and over 30 days from the incident. In the mean time the seller has initiated a lawsuit to recover the funds from us. Please advise us as to why Bank of America will not contact us and give us information on our funds.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MO)

I currently have an investment account with Coinbase the leading cyrto exchange company out of XXXX XXXXXXXX XXXX. On XX/XX/2022 I received an email from Coinbase stating that I needed to update my identity profile by XX/XX/2022 or I was subject to being out of compliance with some federal regulations. I contacted Coinbase support group on XX/XX/2022 via a phone call to verify the email. I changed my password on XX/XX/2022 prior to this call. The agent from the support team was very difficult to understand so after 45 minutes or so of getting nowhere my account was locked until I could have my son help me with updating my identity profile. This was scheduled for XXXX XX/XX/2022 afternoon. 
On XX/XX/2022 I received another email from Coinbase stating the same information about being out of compliance and I had until XX/XX/2022 to fix the update. Since my account was to my understanding locked I waited until XXXX the XXXX to contact Coinbase 's support group to update the profile. We my son and I were able to successfully update the profile after about 60 minutes or so working with the Coinbase support group. I received an text from Coinbase late on XX/XX/2022 stating that the identity update was successful. I logged into my account that evening and found out my a large portion of my assets had been converted to a cash position and transfer to a bank account that I never heard of or authorized by me. I immediately contacted Coinbase 's support group who transferred me to their fraud group. I followed up on XX/XX/2022 with Coinbase 's support group and found out they were sorry but there is nothing they could do. The date of the theft was XX/XX/2022 the same day I received the first email stating I needed to update my identity profile. I never received any communications either by text, email or a phone call stating that an unknown device was entering my account or that my transfer bank name and location changed. As an custodian on a customer 's assets this is totally out of the norm in an age of hacking and cyber theft. I expect a total return of my assets from Coinbase based on the value the day of the theft or if appreciated the value the day of recovery. XXXX  that are using Coinbase need to be aware of how dangerously risky it is to leave their assets with a custodial company that does not secure their investment.
Consumer complaint received 2017-01-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC (NV)

The companies were using a finance company to sell a fraudulent product and I believe since the companies went out of business shortly after, the finance company knew of there scam and the fraud method used. Also numerous complaints on the internet and I 'm sure with the finance company.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I was approved for a forbearance and I was told it would cover all the time I was late. But it still shows on my credit report as late on both occasion that I was approved for an forbearance. I wrote to have them removed and I have still not heard anything from the company.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/21 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 45 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.