davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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 (MI)

Bank of America failed to conduct a fair investigation into claims against XXXX  XXXX  XXXX  XXXX XXXX. 

BOFA covered up police and fire reports and colluded with XXXX XXXX to defraud me regarding total fire damage to my auto. 

BOFA owes me over {$1700.00} in refund. 

XXXX XXXX XXXX has used police to harass me in my effort to receive fair treatment.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

I had unauthorized charges on my bank card and immediately filed with the FTC and also filed a dispute with Chime as soon as allowed. I reported my card as stolen as well. 
Chime has refused to stop or reverse the charges requesting that I offer proof. There is no proof. I do not know the company that made the charges, I do not live in Florida so I did not swipe the card there, I did not order from them. This is obviously a card scammer and Chime is allowing it. 
I will be happy to provide whatever information you need.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation (NC)

I received a XXXX XXXX card from Card.com and XXXX that I didn't apply for. When I tried reaching customer service the automated system simply asks me to provide personal information including zip code and social security number. I did not provide this.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (VA)

On XX/XX/XXXX I filed fraudulent charges on my spend account with credit karma. On XX/XX/XXXX they locked my checking and my savings! Claiming they were under review for 10 business days. It is now XX/XX/2022 and I have yet to receive access to my account .... they tell they are delayed. But it's people that submitted cases after me that have received a decision! I truly believe I am being discriminated against. XXXX  bank has been know help either.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (TX)

Attachment of non-verified line item provided- Credit Bureaus currently displaying non-verified information, thus breaking the law. They have yet to provide evidence regarding account ownership and the method of verification. They have not provided any documentation regarding their investigation.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I paid my Citibank card off and it posted one day late ... i got a {$39.00} charge and interest started accruing on that {$39.00}. This should not be allowed ... earning interest on fees is just double dipping ... making fat cats richer. Well ... i paid my $ XXXX dollars this month and the due date is on a saturday so it didnt post until the next week ... which again resulted in another {$39.00} fee and then a minimum interest charge of {$2.00} because interest on {$39.00} is well less than {$2.00}. So basically i have paid nearly $ XXXX in fees and interest in fees. My problem is not the late fee but the interest on it ... and then charging another fee on a fee ... which happened this month. I work in the computer industry and they can absolutely program to not earn interest on fees or add a fee on a fee ... this is how consumers get into trouble when these companies charge fee after fee after fee on fees. I paid it ... but this should not be allowed. This bank would not even be in business if it werent for the taxpayers of this country and we need to be treated with more respect. Sure they need to pay their bills too ... but fees on fees is unscrupulous.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (GA)

The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation. 

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

My rights as a consumer are being violated repeatedly by this company.
Consumer complaint received 2019-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc. (FL)

I am formally listing a complaint against iLendingDirect.com. I received an offer for credit to refinance my vehicle at 84 months with a 3 % rate indicating an approval for the terms based on a soft inquiry. The lender then proceeded to make an unauthorized hard inquiry and offered terms substantially different than the terms ( 100bps higher ) expressed in the offering. Their marketing strategy is deceptive, offering teaser rates and terms they are not able reasonably extend to an individual. As this company has engaged in such deceptive tactics, I felt it necessary to report this activity to the CPFB. Please contact me with additional questions.
Consumer complaint received 2022-06-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Capital Benefit, Inc. (CA)

During Covid all business was shut down, requested forbearance. Submitted without response. Quickly recovered and within 90 days made 2 overpayments overpayments to bring account current. Continued to make overpayments. Servicer added fees continually, REDUCED principal but added fees, and did not apply payments as requested. During this entire process and COVID lockdown threatened foreclosure.

Has a history of Real Estate Issues and license suspended
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX  is reporting as settled but it was supposed to be deleted from XXXX and Experian. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on XXXX, XXXX, and Experian.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

This account was transferred from XXXX to Rushmore earlier this year while in the middle of a forbearance plan. At the end of the forbearance plan on XX/XX/2022, I was given 2 options, either have the missed payments put on the end of the loan OR new higher payment amount. These options were done with a click of a mouse on the XXXX website. 

Since my account was sold to Rushmore, 1. I have been locked out of my account 2. I can not make online payments 3. I have to call in to make a payment with a average hold time of XXXX minutes plus. 
4. Im redirected to lose mitigation who are rude and arrogant. 
5. I was given a list of documents to submit for approval of a loan modification most of which I do not have and will not submit due to privacy. 

Back in XXXX XXXX XXXX, I was sent a letter with my contact person in charge of my account. I have tried to reach this person numerous times and they never return my call or answer their phone. 
This forebearance plan was agreed upon with the prior servicer XXXX and Rushmore needs to abide by the original agreement.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I have attached Approved Court Class Action with Judgment order for remove from credit report.
Consumer complaint received 2022-06-07
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: FORD MOTOR CREDIT CO. (NJ)

In accordance with the fair credit reporter act XXXX  account number XXXX of XXXX XXXX XXXX Has violated my rights ( 15 US Code 1681 section 602 ( 8 ) states I have the right to privacy And 15 US Code 1681 604a section 2 states a reporting agency can NOT furnish my information without my written consent. XXXX XXXX was put on notice that I do not nor does my co-signor XXXX XXXX wish for our information be reported and has not given written consent to do so.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (GA)

Please send to XXXX and Equifax. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed XXXX  : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The complaint below was sent to Equifax, XXXX and XXXX in XXXX. So far XXXX and XXXX did their part. Equifax has not responded about the status of my dispute with XXXX card. Nor can I get into my Equifax account online. I want this XXXX card removed from my credit report. Theres a 30 day late mark that should not be there due to fraudulent activity with this credit card. XXXX failed to send paperwork for dispute that I put in which, I did inform several XXXX reps. I want this 30 late mark removed from my Equifax report **previous dispute below** XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2022-06-07
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 XXXX XXXX XXXXXXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANKMOBILE TECHNOLOGIES, INC (TX)

BankMobile Vibe, a division of customers bank, has not provided the terms of check cashing. You can deposit a check using the app. The only instructions is to make sure there is proper lighting, the background is neutral and check endorsed. 
A check a submitted through the app on XX/XX/XXXX was rejected because I didnt write for mobile deposit only on the back. There is no instruction to do so on the app! I was told it is told in the online account once you log in using a computer, however, that is not what you use to deposit the check! The instructions should be included on the app, especially if its a requirement! 
I have also submitted a check in XX/XX/XXXX that was approved and cleared and it didnt state for mobile deposit only. An institution can not pick and choose when they want to enforce a rule! 
I am now out of town with no money because of this! I can not add those words to the check for another week! The physical check is at home! This is not right!
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

My husband and I applied to refinance our home. In the credit report, they advised that there was a collection for a debt for XXXX  thru IC Systems for {$1500.00} that I needed to take care of. I contacted the company, IC Systems, and the representative told me I needed to pay them as XXXX reported the debt as unpaid. I needed to contact the previous debt collection agent, XXXX XXXX, XXXX. I contacted XXXX XXXX and they were absolutely NO HELP. Representative told me that they reported the debt paid to XXXX and it wasn't their problem. In the interim, IC Systems continues to contact me stating that the debt is still owed to them. I have sent the receipts from XXXX XXXX to XXXX  Credit Reporting Service to show that the debt was paid and to remove from my credit. IC Systems refuses to remove this debt from my credit - they insist it isn't their problem. Despite having receipts showing debt is paid - neither company will assist in getting this debt removed from my credit.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act _XXXX XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 Section 604 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 then seven years. 

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 2021-07-20
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. (CA)

XX/XX/XXXX, XX/XX/XXXX I sent XXXX a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent Equifax, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On Equifax, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

In the past, I was told that overdraft fees would be waived if I was unemployed due to COVID-19, which I currently still am. I received several {$38.00} overdraft fees on my primary checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX and XX/XX/XXXX. I also received one {$28.00} fee on XX/XX/XXXX. After asking that these be waived, as was previously the case, the agent stated that COVID-19 related refunds were no longer being honoured but I did not realise this, and one of the above overdrafts were refunded.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XXXX I posted a table on XXXX XXXX XXXX. I was messaged by a man who was interested in purchasing my table for his son. He asked if he could pay me through Zelle and I said yes. We agreed on {$50.00}. 

I gave him my Zelle QR Code and my email. After a few minuets I received an email from Zelle saying that the transaction was not approved because I didn't have. " business account ''. He asked for a screenshot of the email, I sent it to them, and he said he has done this before. The email stated that I I had to participate in a transaction of {$400.00} in order to become a " business account ''. So the man said he was going to transfer me {$450.00} via Zelle. After a few minuets I received another email from Zelle saying that his transaction came through. 

I immediately transferred him back {$400.00} ( so that I only profited {$50.00} ). As per the email instructions, I sent a screenshot of the transaction to the Zelle email. He told me to let him know when I received the fund in my bank, after a few minuets nothing happened and I knew I had been scammed out of {$400.00}. 

I have screenshots of the email and the messages as proof of everything. 

I reached out to XXXXXXXX XXXX  multiple times. Twice on XXXX but they said they couldn't help me since the transaction was still pending. I called again the morning of XXXX and they said I could submit a dispute via online but because Zelle is like a cash money transaction that it's unlikely that I will get my money back.
Consumer complaint received 2022-06-07
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 (WA)

I open the online banking and the Bank Credit card tells me I owe money {$560.00} or something like that and it says my account is closed. Can I sue the Band Of America? 
I called them twice and the said I did not owe money and the account is open.
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX #, has violated my rights. 
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