davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
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: CITIBANK, N.A. (FL)

In XX/XX/2017, my wallet was stolen along with all of my identification and credit cards, including an XXXX XXXX issued by XXXX XXXX XXXX XXXX ( " XXXX '' ) were taken. 

Following this event, my XXXX XXXX was then used to make charges at different locations in Florida. For example, on a day in which I was working at my business in XXXX, XX/XX/2017, the card was used three times at XXXX in XXXX Florida. Fourteen separate charges were made out of my area between XXXX XXXX, none of which I made. 

I filed a police report with the City of XXXX Police Department, report number XXXX. I also alerted XXXX XXXX Fraud Department and faxed over further documentation. 

When I recently applied for a mortgage, I learned that, despite reporting the cards as stolen and having them canceled, the XXXX XXXX 's card continued to report to my credit as an open account that is over 90 days late, with a balance of over {$4300.00}. I disputed this information to the credit bureaus as fraudulent and provided paperwork. XXXX  deleted the account ; however, XXXX and XXXX XXXX left it continuing to report to my credit history because, they stated, XXXX 's " verified '' the balance as accurate and not the result of fraud. I am well aware the Fair Credit Reporting Act ( " FCRA '' ) requires XXXX to make a " reasonable '' investigation into disputes -- how exactly did they make anything even close to this?
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OH)

As of today, my former bank, Simple, transitioned over to its parent bank, BBVA, and since yesterday I could not set up my online banking. I called customer service and they said it would be active today, XX/XX/XXXX, since today is the " official '' transition date. Well, it's now XX/XX/XXXX and I still can not set up online banking due to " technical difficulties '', nor can I reach customer service that is SUPPOSED to be open today at this time of day, also due to " technical difficulties ''. I am not sure if my debit card works as promised as I haven't tried to use it yet, but this is PREPOSTEROUS!! How did they have months to prepare for this and still mess this up, and not even give people the opportunity to call customer service to find out what's going on WITH THEIR MONEY?!
Consumer complaint received 2021-05-08
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. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (CT)

I opened a checking account with TD Bank in 2020 when they offered a promotion. I deposited {$100.00} as the promotion required. But, then the pandemic occurred and I wasn't able to get service from TD Bank. Each time I called, I was on hold endlessly without anybody picking up. The branches were closed during the pandemic, but the drive thru was open. Since I couldn't reach a service rep, I decided this account wasn't worth the hassle and went thru the drive thru and told them I wanted to close the account and I wanted my {$100.00} back. The teller person said they would close the account and refunded my {$100.00}. I never got to use the account but TD Bank then began charging me fees because the {$100.00} was no longer in the account. 
I have tried to resolve this issue with TD Bank several times but now they give me a recovery company who is trying to recover fees for a checking account I couldn't get service on, never used, and closed, however, they didn't close the account so they could charge me fees. I am not paying for something I didn't get and they were negligent and did not close the account when told to.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Equifax is not showing that I have any credit all. There is nothing on my Equifax file at all. XXXX and XXXX both have my correct credit files with over a XXXX score. 

Equifax almost kept me from getting my mortgage for my new house and HAS kept me from getting a loan to make some improvements on our new house. 

I have called them multiple times to try and fix this and they have said it is my fault that they do not have my accounts on their file. Anytime I ask to speak to a supervisor I get put on hold being told it will be a few minutes. I ended up being on hold for over an hour and a half and eventually hang up with Noone having ever answered. 

This is not an error or mistake on my end it is definitely the fault of Equifax and needs to be fixed immediately.
Consumer complaint received 2021-12-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Second call to Bank of America on XX/XX/2024, around XXXX XXXX  Spoke to someone named XXXX who was very professional and patient. 

According to XXXX in order to select an option for repayment I will need to send some documents. These documents will be reviewed and a decision will be made in 30 days. 

In 30 days will escalate the account to possible foreclosure. 

When I started the foreberance I did not have to submit anything. But provide my financial over the phone. 

Intake number. XXXX
Consumer complaint received 2022-04-28
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. (MA)

On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to XXXX XXXX. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to XXXX Mortgage. I contacted XXXX XXXX about this matter, and they told me that they were going to send the XXXX mortgage payment to XXXX automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called XXXX, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from XXXX that they reported me to XXXX due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from XXXX XXXX. 

Instantly, I contacted XXXX XXXX, and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from XXXX XXXX indicating they received my payment. 

I have sent XXXX various statements, pictures and documents showing proof that I made the payment on time, and XXXX XXXX did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, XXXX still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between XXXX XXXX and XXXX. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXX I called in a payment of {$600.00} and gave my debit card information for my comenity credit card, the rep stated the payment went through I explained to the representative I keep my card locked for security reason and asked if the payment would be processed right then and there and the representative stated yes. However the put the payment through the next day when my debit card was disable. So I called back on the XXXX on site realized the payment wasnt processed and make a other payment on XX/XX/XXXX and the same thing happened again where the payment was processed on the XXXX from my debit card and the waited till the XXXX to put the payment through on their end while my card was disabled. On the XXXX after realizing they did not take the money off my debit card I went online and signed in to my XXXX credit card and had them debit my XXXXXXXX XXXX checking account where the payment was satisfactory. On XX/XX/XXXX Comenity. A man closed my a. Oh thank stating I was a high risk. I have never been late with a credit card payment with XXXX since having this account close to two years.
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (NC)

As a result of my most recent complaint about unfair credit reporting, both Experian and XXXX have since dropped authorized credit lines with XXXX XXXX, XXXX XXXX and XXXX XXXX all compromising of XXXX in total credit limits, thus dropping my score further. My original complaint was specific in requesting no adverse actions be taken against me as a result of my complaint to the CFPB. However, I have been further impacted as a result of this complaint. If FCRA is protecting us from unfair credit reporting with creditors. Who is protecting us from the bureaus? 

On XX/XX/XXXX, following this complaint, I attempted to login to my equifax account to find that it no longer existed. It had been deleted. I had to re-enroll and to reinstate my subscription. Upon doing so, I came to find my tradelines were deleted. 

Additionally, they updated unpaid collections balances on XX/XX/21 causing further impact to my score. I will file this complaint with every governing agency up to and including the Supreme Court until they stop impacting me as a result of these complaints. 

Any blocks they have placed on these and and existing reporting creditors are to be removed immediately. 

I want all three accounts reinstated as actively reporting with the tradeline, credit limit, balance, high balance and payment history all fully reported and accurately.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dept of education/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission
Consumer complaint received 2021-12-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received a text message from Bank of America saying that I transferred {$5000.00} Which I didnt. I tried to check my online banking I couldnt access it. So I called them trying to find out what happened. Apparently I was a victim of identity theft and my email, password and security question for my online account were all changed, then the fraudulent transfer happened. I managed to get back my account. I filed a claim that took them 2 weeks to file. Then I received a letter of temporary deposit of the {$5000.00}, then another letter on XX/XX/XXXX saying their investigation resulted in a false claim by me and that the amount will not be credited.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I attempted to access the TransUnion Website (https://www.transunion.com) on XX/XX/2019 to obtain a free copy of my credit report. I followed the links on the website to what I believed were the steps required to have TransUnion pull a copy of my free credit report. However, I was charged $XXXX. Nowhere was I shown a confirmation that I would be billed or what my credit card number would be used for. The website was deceptive and difficult to navigate. After searching for about 30 minutes and multiple web searches, I finally was able to cancel my subscription. I then tried to call TransUnion to dispute the charge but I was never able to get anybody on the line after waiting for upwards of 30 minutes.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FREEDOM FINANCIAL NETWORK (AL)

This company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (DC)

n accordance with the Fair Credit Reporting Act Fair XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Account # XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Account # XXXX XXXX  Account # XXXX 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
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I transferred some points from my HSBC World Elite MasterCard on XX/XX/XXXX to an airlines partner. This usually takes 2-3 days in my experience, but the confirmation and the email always state it can take up to 14 days. Points had not been transferred on XX/XX/XXXX, so I called HSBC. It took me 20 minutes and multiple calls navigating their imposible to use phone system to get a hold of somebody in the rewards department. That person didnt even know you could transfer points to airlines, basically she didnt know her know. So again I had to hang up and call again. Next I got a person who at least had an idea, but asked me to call next day, on the XXXX. I called the next day and every day after that, and nothing. They opened a case for me on the XXXX. Case number XXXX. Every time I call and provide this case number, I get the same answer. Oh you have to call later. No resolution. Nobody knows anything.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I have reach out to each of these companies to remove the inquiry, they advised me to reach out to credit bureaus. I have sent several letters and the inquires has not been removed yet.
Consumer complaint received 2022-04-07
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. (FL)

TRANSUNION HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with XXXX. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXXs, XXXX XXXX and transunion are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXX.I would like the information sold to all XXXX, bureaus without my consent, causing turmoil for almost XXXX years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE XXXX BUREAUS