davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

We were scammed by someone posing as a loan officer from XXXX XXXX and promised us {$20000.00} if we verified funds by sending money to someone by XXXX XXXX. The guy told us that it was just a verification process and once it was done we would have {$20000.00} in our account as a loan. Gave us prepayment terms and all. A mobile check deposit to our bank of america account of XXXX was done on XX/XX/XXXX. On XX/XX/XXXX we sent XXXX to a XXXX XXXX plus XXXX XXXX fee Total {$680.00} no out of pocket money as we thought at the time. Once we done what they asked, they then said we had to pay a out of state tax fee of {$200.00}. I refuse and that is when we realize this was a scam. We contacted the FBI on XX/XX/XXXX filed a report with them and they told us to contact Consumer Protection Bureau ( consumer finance ) and also do a report with IC3.gov. We just learned today XX/XX/XXXX that the check was returned and it was a United State Government check done by Mobile deposit and the bank has returned it causing our account to be seriously overdrawn. The mobile deposit was done by a out of town cellphone that is not ours. I have {$2.00} to my name. Contacted Bank of America Fraud Dept and was told there was nothing they could do to recover the money so we basically have to eat the cost because we withdrew the money and gave the scammers access to our account. I explained only to do a verification and at the time we did n't know ... .had no idea it was a scam. The FBI agent told us this is a well known scam and they are investigating this. But I live paycheck to paycheck and ca n't afford to eat {$680.00} cost and now we have no idea how we go make it to work with no funds because the return of the {$680.00} check ate up what money we did have in our account to make it to our next pay period. We have been scammed and are the victims in this matter and we should not have to pay for fraudulent activities from heartless and cruel people in this world taking advantage of people in need of money but took money from us.
Consumer complaint received 2024-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-05-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A Bank of America employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank ( Formerly GE Capital Retail Bank ) I 've notice XXXX charge off accounts on my credit file so I have disputed the information with all three credit report agency and they came back verified. I Then contacted Synchrony Bank ( Formerly GE Capital Retail Bank ) and I spoke to a Customer Service Representative named XXXX XXXX she would n't provide me with an employee ID. XXXX XXXX informed me that these synchrony/GEBank accounts do n't have any information on them that it was all sent to a collection agency. How did they investigate these accounts with the credit report agents without any documentation?
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank # XXXX - SOLD to : XXXX Acct # XXXX This account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the Chase account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at Chase Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at Chase then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written Chase numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *XXXX Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CT)

A balance of {$210.00} was paid on or around XX/XX/2022. The balance is still on the account after countless phone calls and emails. I mailed a dispute acknowledgement form when I called about the status they said it was closed ( I was never notified ) and it was double credited and I still owe the {$210.00} plus interest and late fee. I never received a refund for the {$210.00} and if I pay it again I'll be paying it twice.
Consumer complaint received 2022-02-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I have done many disputing items with these companies they are not investigating the items at all they are only letting you creditors send them payment history and leaving it on the credit report I have 3 late payments on my credit report and have had a payment plan with the companies I was told they will delete the late payments when payment was made I was told something different Im trying to get my life together and when I called these companies they was rude I got hung up on and it not fair as people we are control by a computer and can make your life so that you can live in this world
Consumer complaint received 2022-07-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

Current loans are thru navient and they are all outstandintg. Over past couple years it appears that my interest rate has triple and made it hard for me to ever repay and on top of that it is really effecting my credit.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX, SS XXXX DOB XXXX I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my accounts without noticing me. I checked all credit reports and could not find any negative information. Now i have a XXXX. I have to spend a lot of time to open new accounts and transfer everything. It causes me huge problems.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

This is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.For your benefit, and as agesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized CCR Date of Inquiry : XXXX  Please remove it from my credit report.

3. The inquiry was not authorized QUALITY Date of inquiry : XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX Date on iquiry : XXXX Please remove it from my credit report.

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
Consumer complaint received 2016-06-10
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Brelvis Consulting, LLC (MA)

I am a recent graduate of a XXXX looking for guidance with loan repayment options. I came across a company called the student loan help center who helped me through the whole process and explained the loan forgiveness options I qualified for. After all was explained they said they would help to consolidate my loans and enroll me into the loan forgiveness program if I made a one time payment of XXXX dollars. I impulsively agreed and setup a three month payment plan thinking this was a good investment. After reading several articles online I realized no one should have to pay for these services, and there are free student loan repayment help centers available through the federal government. I unfortunately signed a contract which is why I am contacting you to help guide me through this process. I am going to call my credit card company to cancel the first of three payments scheduled to this company.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc. (AZ)

I switched phone companies to save money and avoid the inconsistent information I was getting from XXXX 's employees. The new phone company advised they would pay off the final amount owed for the phone ( approximately XXXX ) but when they gave me the money for the final payment they failed to tell me that they used part of the money on my new phone. Therefore, they led me to believe that I would owe nothing, when in fact I now needed {$190.00} to pay to XXXX the first phone company. This collector ( for XXXX ) has continuously placed calls to me at all hours of the day. They usually call at least twice but usually about four to five times in a day. I have already received final bills from XXXX itself ( and only switched phones a few months ago ), as well as another letter from a collector explaining its collecting a debt. But they continue to place calls all day to me despite the fact it is receiving payments and was told incorrect information by both companies from the beginning.
Consumer complaint received 2018-03-16
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: EQUIFAX, INC. (TX)

I filed An ID theft report with Equifax well over six months ago and equifax cleared up issues regarding two accounts that were showing up on my credit file that were not mine. Unfortunately, today, I discovered that those account have reappeared on my report after over six months of disappearance. Not only has this negatively impacted my credit report, but it has also pointed to a greater problem with equifax data systems. 

These two credit card accounts listed from XXXX are not mine and are the result of fraud. XXXX has confirmed receipt of my ID theft report before and they took measures to remove them from my report. These accounts need to be deleted permanently and immediately under my rights according to the FCRA. 

Also, there is an inquiry on my equifax report that is the result of fraud and I did not initiate this at all. XXXX says that i need To have equifax to delete this inaccuracy
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-02-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

My 5th 3rd Credit Card increased its bank hold period by 10 days without informing me. I payed {$250.00} to pay down this line of credit, but they put a hold on receiving the payment, effectively denying me the use of this credit until it clears, which has never happened before. Whats more, this credit line is used as overdraft protection for another 5th 3rd account, with a {$12.00} fee assessed for using this credit card in this fashion. I over-drafted by {$88.00}, expecting my credit line to kick in ( {$12.00} fee ) and transfer {$88.00} from my credit account, but nothing happened. I was assessed an over draft fee of {$74.00} dollars by my bank instead. Customer service indicated that my {$250.00} transfer to my credit card was on hold and it was the reason my overdraft protection did not work. Both the credit card and bank account are administered by 5th 3rd Bank. Had I known they could hold my credit card payment for 10 days, I would not have transferred the XXXX to my credit card account yesterday and would have left it in my original bank account, and would not have over-drafted at all. I find it really convenient for 5th 3rd that I did not pay {$12.00}, but instead now have to pay {$74.00}. I believe they did this on purpose ; and strategically used this holding period to push me into overdraft and charge higher fees. By effectively not allowing my credit payment to post, they invalidated my overdraft protection, so they could garner higher overall fees.
Consumer complaint received 2016-04-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

What do you think would be a fair resolution to your issue? 
should have forbearance from XXXX to XXXX ( when I became employed ). 

Then from XXXX, I would be due the outstanding balance and be back on my original loan. 

However, Freedom Mortgage failed to process my forbearance. Instead, they are restructuring my loan at a higher rate and with a higher principal to capture the amount that should have been on forbearance because they failed to process my forbearance in a timely manner in XXXX. 

I requested the forbearance in XXXX and the forebearance should have been processed in XXXX before I became employed in XXXX. However, due to Freedom Mortgage 's negligence, the forbearance was never processed and instead, Freedom Mortgage is restructuring my loan since we are now in XXXX. 

Please process the forbearance with a date of XXXX and update my accounts. 
Please send me the full amounts due as of XXXX XXXX, 2016 and I will issue payment. 

Then I will be back on my original loan with the original principal and interest rate rather than the inflated principal and interest rate as a result of Freedom Mortgage 's negligence. 

Once the forbearance is on my account, then the credit bureaus will need to be contacted to revise my credit scores since I am not past due but in forbearance. Then my credit will be better so I can move to another lender in a year. 

Right now, because Freedom Mortgage has failed to process the forbearance and is moving to a loan restructure, I have a more negative credit as a late payment rather than loan on forbearance. This makes it impossible for me to move to another lender in the future and forces me to remain with Freedom Mortgage at a higher principal, higher interest rate and in a loan restructure I did not consent to. 

Had they processed the forbearance request in a timely manner, then I would just pay my amounts due as of date of first employment and be back on my original FHA loan. 

Freedom Mortgage is using their own negligence to force me into a new loan with them and exclude me from being able to borrow from someone else and get away from their unprofessionalism.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Prior to my late payments that were reported to credit bureaus. I called to advise them that I was going to be late on payment XXXX payment. This was to avoid late fees. I always make payments on the XXXX of the month. I thought I was in good terms, because I was enrolled in automatic payments as well. Capital Onedid not call me leave a message or advise me that I had 2 missed payments. Which It was not true. I have been in good terms with Capital One. Now they have refuse to remove negative reporting to credit bureaus, can you please help