davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Bank of America checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Bank of America. I contacted XXXX and they insisted they posted the return. I submitted a claim to Bank of America for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Bank of America account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Bank of America to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Bank of America debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Bank of America is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped!
Consumer complaint received 2022-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for a Home line of credit with Bank of America in XX/XX/XXXX. It is now XX/XX/XXXX and loan is not complete. I have no employment gaps or credit issues and need loan for home repairs. I provided all of the needed documents in a timely manner even though they sent request by mail and documents were needed before I received the letter. When contacting the bank because there was no response, they told me it would be 3 months before my loan would be processed. However they previously approved me for a car loan in seconds about a month before. One of here home loan processor closed my application stating documents were missing documents or he could not contact me after I had been leaving messages for months with my contact information. They were calling my home number before XXXX and I stayed on the application to call after XXXX pm because application noted they closed at XXXX. If they leave a message on my home phone they are closed by the time I retrieve the message. I gave my cell phone number every time I called because they said it was incorrect in the system. However I was able to get them to reopen the application. I told them I felt discriminated against because there was no reason for my application to not be approved. I am an XXXX American woman. I turned in everything requested in a timely manner via electronic by email. Once the application was approved by underwriting it was sent to closing who contacted me by calling my home phone only because he said cell phone was incorrect, as I stated earlier I gave my cell phone number every time I called, which was at least 2 times a week. Closer called Wednesday, XX/XX/XXXX, but I had been contacting my loan processor who was out of the office for the week and when I called the closer on Monday, XX/XX/XXXX, I was informed documents expired and they had to request again, unbelievable. If time is of the essence why are they taking so long to process paperwork was my question to loan processor. They can contact me by home phone, cell phone, or email but they choose to only contact me by home phone which I am not able to retrieve until after XXXX or later when I return and they are closed. I feel as though they are purposely mishandling my application because I am continually contacting them providing all information that is needed but I'm not receiving the proper response in return.
Consumer complaint received 2021-10-08
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: Resurgent Capital Services L.P. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2015-10-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

I paid this debt to the creditor who purchased it in XX/XX/XXXX 2015. the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid
Consumer complaint received 2021-11-04
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. (NJ)

For my credit report with XXXX, XXXX & Equifax on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX Bank for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by XXXX, XXXX & Equifax and my credit score should be returned to what it was in the previous credit report.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The CRA 's ( XXXX, XXXX, and Experian ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I went to check my credit report on XX/XX/2017 and found a couple items on my report that I was not aware of that was in collections from a company XXXX FUNDING LLC in the amount of XXXX and XXXX. I have sent in multiple letters to this company and even placed a police report with my local department. I also have made a complaint via this platform which should show on file of my previous letters sent to the company. They have not provided me with the proper information to verify this alleged debt. They continue to report negative only on my XXXX credit report. Included is the letter I have sent them along with a copy of the police report.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The CRA 's ( XXXX, Equifax, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

this is debit that is not mine and was suppose to paid by the company. I get this call from someone claiming to be with XXXX XXXX XXXX about a bill that I do n't owe and I believe that it was a scam call my wife asked what this was about and she wont tell her anything and the was very rude and I called back the person name did sound like a real name the name of a new reporter on tv. and I wont paid the that amount for the cell phone that I do n't have and was the company paid it off.
Consumer complaint received 2016-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

They are trying to collect a debt that does not belong to me just because the person has my same name, and they Obtained my information illegally without my permission, they are doing identity theft.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX I received notification that there were unauthorized changes to my account with USAA. I called USAA in order to alert them to the situation and had my information corrected. At approximately XXXX that night I received notification that my information was changed once more. On XXXX I called USAA multiple times in order to correct my information and file a fraud dispute. I even went as far as to request a call from the USAA call center manager XXXX ( never once receiving that managers call ). I filed the dispute successfully ( I thought ) and asked that my account be placed into a higher alert status. I called back later that night in order to try and gain access to my account, I was transferred back over to the fraud department and filled out another fraud dispute with them. During this secondary fraud dispute I requested access to my account and was told there was n't much they could do about getting access to my account because whoever took over my account placed a " CyberCode Token '' on my account and it allowed them to maintain access despite USAA 's efforts. Over the weekend ( XXXX XXXX and XXXX ) I made XXXX purchases with my debit card and began feeling as though things might be clearing up. On Monday ( XXXX XXXX ) I was called by XXXX XXXX of USAA 's fraudulent activity investigations department and was asked to submit my statement. After giving my statement, expressing my frustrations with USAA for the lengthy process, and expressing my disdain for the call center that constantly dropped call transfers and seemed to not have any ability to solve my crisis, I began to inquire about the activities taken place in my account. I was informed that multiple credits and debits had taken place and the imposter requested a replacement debit card. I was then informed that I was to receive a call the next day to receive notice if the investigator deemed me " at fault '' of giving my personal information to an unknown persons. On XXXX XXXX I received a call from XXXX XXXX and she informed me that her office believed I gave my information out for XXXX reasons. First, my understanding of her explanation of an account takeover scheme and second, a trend where MANY other USAA members have given out there account information. Now I can not speak for the MANY other members who may have been at fault here, but I can speak for myself and I did not give out my information to anyone. I have a XXXX year old girl, a soon to be fiance, and a son on the way. I have way too many responsibilities to risk it all by giving my information to someone else. Since being told I was at fault I have contact my local police department and the FBI in order to investigate this ordeal. I have been contacting USAA but still have n't been granted access to my account. It 's been a real nightmare and I would like a resolution please! 

Thank you very much for reading, sorry if it is n't well written.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2019-05-21
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. (CA)

Equifax will NOT unlock my credit. They keep telling me that there is a glitch that they are trying to fix. I have a potential new employer that is hiring me, however they need to pull credit for a financial fitness check. They can't do it because Equifax will not unlock my credit. I tried to unlock it myself using the Equifax lock & alert app. However it is not working. I have called Equifax several times in the course of four days and hours on the phone. Equifax REFUSES to unlock my credit. They keep telling me that they can't do it. I have every right to my credit report. My spouse and I are trying to purchase a new home as well, however my lender needs access to my credit report. Equifax still refuses to unlock my report. My only other option is to take LEGAL action.
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

sent them a request to validate the alleged debt on XX/XX/22 certified mail they failed to send the proper validation of debt within 30 days further more they sent my private medical records to me with out proof of my authorization for them to release them and or any type of contract and form Bering my signature giving them authorization to have and or release my medical records, there for the debt is un-validated and they have failed to validate the debt and are in direct violation of HIPPA privacy act and are not cfpb or fdcpa compliant.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION (TX)

I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The CRA 's ( Transunion, XXXX, and XXXX ) have refused to communicate via phone, letters, or internet on why my account is frozen. I have sent in paperwork without getting a response. I have called ... each CRA has refused to rectify this situation. My credit report has not been updated in over 9 months. I have creditors calling me about accounts I have not opened. I need this situation to be corrected. I need help. Please reach out to me @ XXXX
Consumer complaint received 2021-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

I attended XXXX XXXX in XXXX, TX from XXXX which was when our school was full of FBI one afternoon as the students were arriving. We were informed by the FBI agent that there was no school and we had to go home. It was a weird time for sure. I don't use that degree at all and I am in really really deep in the school debt from that 2 year degree. 

I am trying to get help with this, the people at Navient call me all the time trying to collect a payment but I don't have the funds to pay them back.
Consumer complaint received 2015-12-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

RE : Common Wealth Financial Systems Account # XXXX and XXXXXXXXOn XXXX XXXX, 2015, I requested debt verification/validation of the alleged debt claimed owed in the amounts of {$750.00} and {$300.00}. Correspondence was sent via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, which Common Wealth Financial Systems received on XXXX/XXXX/2015. After not receiving verification/validation, I then requested, on XXXX/XXXX/2015 via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX which they received on XXXX/XXXX/2015, for Common Wealth Financial Systems to remove theses negative items from my credit report. They have failed to respond to either of my request.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX BANK ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ) I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company remove the inaccurate reporting from my consumer report within 30 days! XXXX has yet to respond to my dispute. I would like for this account to be removed immediately as it is affecting my privacy.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

I have a RushCard and had a deposit of over {$400.00} automatically put into my account on XXXX/XXXX/2015 and have not been able to access any funds. I can not reach a customer service representative when I call their contact number on the card or get access through the app or online. I 've been trying to access my money for over a week now and do not know what to do.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (IL)

Again, ERC/Enhanced Recovery Corporation has ignored my demand to cease calling me and called again today, XXXX XXXX, XXXX, XXXX. I've told ERC in writing in XXXX and again during intercepted calls in XXXX that I DO NOT KNOW PERSON WHOM IT SEEKS ; TO CEASE CALLING ; AND REMOVE MY NUMBER IMMEDIATELY! 
I'd just made a similar complaint to CFPB yesterday, XX/XX/XXXX. Complaint # XXXX.
Consumer complaint received 2018-12-04
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. (NV)

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Experian and XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2019-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Leap Credit, LLC (TX)

I visited this website on XX/XX/2019 to see about an online payday loan. Upon entering my information the loan was shown as only being available for {$250.00} and I choose not to proceed and closed out of the website, however I received an email and text message that my loan was approved for {$600.00} and the company has stated they have my signature but I adamantly would not have taken a payday loan for {$250.00} and was not emailed nor given any information regarding {$600.00}. At this time I have had to contact my bank in order to make sure that this loan is not funded and this company does not have any further access to my account. Upon my call to the company the woman proceeded to remind me that I did this, this is a 600 % interest rate which should be illegal and I did not want this at all. I have contacted my bank and made sure to get this money stopped from being deposited but I do not trust that this company will not try again or that they aren't using other lenders as their documents show different names : XXXX XXXX XXXX XXXX XXXX or Leap Credit or XXXX XXXX XXXX XXXX XXXX. I also do not see ANYWHERE where I signed anything or even entered my initials.