davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My father died on XX/XX/2018. When he died he had an IRA account with Bank of America with a value of about {$3800.00}. I am handling my father 's estate and the amount in the IRA is to be shared equally between my father 's XXXX children. 

I have contact Bank of America ( BOA ) to begin the process of providing the necessary documents to enable BOA to transfer the account 's value to the new owners. Each time I contact BOA I am told that someone will contact me in 24-48 hours but no one from BOA ever call me. 

I believe BOA is currently understaffed and unable to respond to their customers at this time. This has been confirmed by the numerous staff that I have spoken to at BOA, but unfortunately the people I speak to are only there to answer calls but not actually help customers. 

I believe this is a systemic problem at BOA and is worthy of being looked into by the CFPB. 

To provide some specifics and to give you a better idea of my problem here are some facts : 1. XX/XX/XXXX - mailed death certificates, small estate affidavit and letter to BOA XXXX XXXX in XXXX, Florida 2. XX/XX/XXXX - XXXX in XXXX AZ says no one had looked at the documents I sent in and call back in a few days. 
3. XX/XX/XXXX - XXXX was not available. XXXX took my name and number and said someone would call me back. 
4. XX/XX/XXXX - I call and reached XXXX. XXXX says a new Estate Unit will handle my case. 
5. XX/XX/XXXX - I called and reached XXXX who said I should call back on XX/XX/XXXX. 
6. XX/XX/XXXX - I call and reached XXXX who said a case manager would call me. 
7. XX/XX/XXXX - XXXX called me and said that a case manager should be assigned on XX/XX/XXXX. 
8. XX/XX/XXXX - I called and was told that XXXX XXXX was now my case manager and that she will call me. 
9. XX/XX/XXXX - I called XXXX 's extension but reached XXXX. XXXX said a manager would call me in 72 hours. 
10. XX/XX/XXXX - I called and reached XXXX XXXX who said that someone will call me 11. XX/XX/XXXX - I called and reached XXXX who would try to transfer me to a case manager. When he put me on hold I was disconnected. 
12. XX/XX/XXXX - Called back after XXXX disconnected me, was told to call during East Coast hours since that is where all the case managers are. 
13. Called at XXXX Pacific and reached XXXX who said she would leave a message for XXXX XXXX, XXXX 's manager to call me. 

As you can see, I've tried to resolve this many times without response from BOA. I should also note that my father had three other IRA accounts at the time of his death, one each at XXXX, XXXX, and XXXX. Since my father 's death I have been able to successfully close those accounts and get the funds to the appropriate individuals.
Consumer complaint received 2019-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

Hello, I've had a car loan with Ally bank for the past few years now, in which I pay $ XXXX monthly towards, from my XXXX XXXX XXXX checking account. 

On XX/XX/2019 Ally bank used my checking & routing information to deduct an unauthorized payment {$1000.00}, and deposited it into another Ally customer 's account. I have no relation whatsoever to the recipient of the funds and Ally bank has done nothing to help resolve this claim. They have refused to correct the blatantly fraudulent charge, have failed to contact the recipient of the funds, and have completely denied responsibility for their error. 

Additionally, after more than 2 months Ally has failed to even explain the nature of the amount and have even blamed me for the error. Ally has the transaction details clearly showing the transfer was not made by me, but is claiming complete ignorance as to why and how it was made. 

My bank- XXXX XXXX XXXX has had to provide me with all of this information, but unfortunately can not move forward with the claim because I have had previous business with the banking entity ( Ally Bank ). 

I'm running out of resources on how to dispute this. Since the amount stolen from my account is well over {$1000.00}. I am need of this funds as soon as possible. 

I need your help with this please. 

Ally confirmation of Payment # : XXXX Much appreciated, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (FL)

On XX/XX/2018 i entered a store and apply to buy two twin beds to be finance. I was informed that i would have three months 0 % interest if i applied and qualify. The application fee was XXXX i got approved and decided to finance the beds. Which total {$560.00} including taxes. 
I signed up for automatic debit from my account for XXXX every month which they always took from my bank account with no problem. 
They told me about the interest i was going to pay if I didnt pay it in the 3 month period which was fine I totally understand and didnt mind paying interest in what i thought was owed which it was {$250.00} after the 3 payments that were automatically withdrawn from my account. Little did i know AND WAS NOT informed that i was going to be charged a 100 % FEE ( or more ) of whatever amount was due and other FEES that were not disclosed as soon as the 90 day PERIOD arrived. So when the 90 day was up my total balance was XXXX When i log in to check my account i see that the total balance due was XXXX which i didnt understand. 

I called West Creek Financial asking why is so much and thats when i was informed of so many fees which i was not aware and supposedly they gave me a discount if i paid the balance in full that same day of XX/XX/XXXX XXXX TOTAL PAID THAT DAY {$890.00} totally deceptive. Total scam. From a purchase that was supposed to be {$560.00} including taxes i ended up paying {$1200.00} with fees that i wasnt aware of. On top of everything else the bed has broken two times first time they came to fix it but didnt replace any parts. Now is broken again and i have to buy a new one because i know they will try to fix it again when in reality it needs to be completely replaced as i was told, i have one year warranty but they wont replaced it just fix it. This is a total ripoff towards people that work hard to earn every penny.
Consumer complaint received 2019-05-10
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. (MO)

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (AL)

My father passed away toward the end of XXXX. I was still in possession of his truck at the time. There was an outstanding auto loan for the vehicle with BBVA Compass. In early XX/XX/XXXX, I called the bank to get the total amount outstanding. I was transferred to several departments ( auto loans, marketing, default, probate, etc ) prior to finally finding an individual to give the entire amount due, including interest and fees. I asked if I could take the payment in to a local branch and was told it would not be accepted. I was advised the check could only be accepted by the probate department by mail. I wrote check XXXX on XX/XX/XXXX and sent it via XXXX Priority Mail. The check cleared XX/XX/XXXX. I awaited the title but it never came. On Saturday, XX/XX/XXXX, my wife and I had to leave town to attend the funeral of a beloved family member. A close friend agreed to stay at our home to watch our XXXX year old son while we were out of town. At approximately XXXX, my friend heard " a loud crash '' and ran outside to see the truck being repossessed by a local towing company. She panicked and asked him to stop because the owner wasn't home. She was told she could get nothing out of the car, but pleaded with the driver and was allowed to get my son 's car seat. The driver told her to inform us to call the bank. Because I live in a small middle-class subdivision, several people witnessed the commotion. As I was sitting inside the church over two hours away from home during the funeral service my wife and I received a text message from the friend advising what just happened. We were horrified and completely humiliated. By the time we returned home, the friend was able to provide details of the event and give me the name of the tow company. I waited until Monday to take my wife to work so i could use her car to visit a local branch of the bank to advise of what happened. They were initially unable to get any information and was told they would call me. Several hours later, I received a call from what I assume was at minimum a state-level individual stating he was directed by his boss to return the truck. The towing company returned the truck to my home later that evening along with my possessions that had been placed into a trash bag. I suffered a very public humiliation in front of friends and neighbors due to a wrongful repossession. To make matters worse, I have still not received the vehicle title.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (TX)

I received a letter on XX/XX/2019 regarding an account ( ref # : XXXX ) requesting for me to pay a balance of {$350.00}. I replied to the letter from the company ( diversified Adjustment Services INC ) requesting for them to validate the debt. I have yet to get a response, however, they have inserted this information to my credit report. This has caused me to have to delay proceeding with buying my home due to a recent collection that hit my credit report. As a result, I will have to pay an inflated market rent for an undetermined time to my landlord due to me not being able to signing an extended lease. No one at Diversified 's office has helpful with determining the validity of this debt. I have never done any business with the company and am not sure how they have received my information. I requested a validation due to the fact that I am a XXXX and I have had to fight recently to remove information that belonged to my father from my report.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TN)

I took out a high interest rate loan with the company XXXX XXXX in XX/XX/2017. That company closed suddenly and without notice. A couple of weeks later I start getting collection calls from World Finance   claiming they purchased the contracts from XXXX  XXXX and I owed the debt to them. World Finance had already put a late fee on my loan even though I had no idea who this company was. I worked with the company trying to make arrangements to pay as their collection calls were coming in at least 3 times a day every weekday. If I didn't pick up the phone, they would call my friends and relatives whom I had listed as references on my XXXX XXXX accounts. 
I finally wanted World Finance to prove to me that I owed them the debt from the other loan company. They sent what was claimed to be a " court document '' to prove they bought my loan. It was just a typed up document with no official markings like a judge 's signature or a docket number. 
When I informed World Finance that I would be a filing an official complaint against them, the manager became more aggressive and demeaning ( even yelling at me ) insisting I was just trying to get out of my debt. He then informed me he would put it on my credit report if I didn't pay. After about 6 months of harassing me, my friends and family, I was able to block all of their phone numbers. Unfortunately my friends and family were not able to do so. 
I pay debts that are mine, but they are expecting me to pay a random company I have never done business with just on their word. 
I have included some of the collection notices and a copy of my original contract with XXXX. It appears to me from the language in that contract that my debt from XXXX XXXX was nullified if the company went out of business. Even if that is not correct, I am not just giving my money to a random company that says I have a debt with them.

( The section where I list the last 4 of my Social on this system keeps giving me an error. I included the account number from XXXX XXXX as none of the correspondence from World FinancXXXX has an account number listed. )
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinstein & Riley, P.S. (TX)

Thursday XX/XX/XXXX, I tried to make a debit purchase and was declined, I then tried to get money from ATM my balance was XXXX in my checking and saving. My husband reach out to XXXX XXXX ( who we bank with ) was told that that both account were on freeze due to a ( court order ) judgment which I never received and XXXX also provided a phone number XXXX. I called this number which is Weinstein & Riley law firm the operator connected me with a collection rep she proceeded by verifying who I was and stated they were trying to collect a chase credit card debt from back in XXXX. 
for the amount of {$5800.00}. Again I never received any notice via phone call or mail of anything. I'm not disputing that I once held a XXXX credit card and I also know that the balance I owe was not {$5800.00} my credit limit on only $ XXXX.and if my memory serves me well what I owe was {$200.00} and due to falling on hard times I could not pay the {$200.00} owe to them. Right now I'm at a lost, I don't know which court granted the judgment against me in order to try vacate this judgment and have this freeze removed. Is this legal for 3rd party collection to freeze your account for debt over 10years .I also pulled my credit report with XXXX to see if I had any collections against me and I have nothing that is pending on me.
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC. (CA)

Ally bank issued cashier 's check on XX/XX/2018 for XXXX from my checking account, and it did not arrive in time to be used due to deadline. Requested the check be returned to account. It has been almost a year now, and they still wont return the money without continuing dragging of feet like requesting the check be returned to a post office box that will not accept certified mail, signed, listed as not used for purpose, and with a letter of instruction requesting where the funds are to be deposited.
Consumer complaint received 2019-05-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

THIS HAS TO STOP! I HAVE SENT IN MY SOCIAL SECURITY CARD AND UTILITY BILL TWICE. I HAVE CONTACTED THE CREDIT CARD COMPANIES AND THEY CAN NOT PROVIDE ME WITH SIGNED CREDIT CARD AGREEMENT. THIS IS MY FINAL ATTEMPT BEFORE SEEKING COUNCIL. I HAVE SENT IN MY PROOF XX/XX/19 AND IT IS NOWXX/XX/19 AND STILL THERE IS INFORMATION THAT IS ERRONEOUS AND ADDRESSES THAT DO NOT BELONG TO ME. MY NAME IS NOT XXXX XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX, NEVADA. I DO NOT WILL NOT BE SENDING ANY THIRD PARTY COMPANIES MY DRIVERS LICENSE DUE TO HIGH FRAUD AND THEFT AMONGST AMERICANS. MY UTILITY BILL AND SOCIAL SECURITY CARD IS MORE THAN ENOUGH AND IT MEETS THE LIST OF DOCUMENTATIONS NEEDED TO CLEAN UP THIS MESS. NONE OF THE CREDITORS HAVE SENT ME A SIGNED CREDIT AGREEMENT. NONE OF THE CREDITORS HAVE STATEMENTS SHOWING XXXX XXXX. I HAVE STARTED CONTACTING LEGAL REPRESENTATIVE IF THIS LAST ATTEMPT IS NOT RESOLVED! EXPERIAN, XXXX  HAVE THE DISPUTES FROM MY PRIOR DISPUTES! I WILL NOT KEEP SENDING MY INFORMATION! FIX THE PROBLEM AND UPDATE MY CREDIT REPORT. BANKRUPTCIES DO NOT REPORT FULL SOCIAL SECURITY NUMBERS NOR DO THEY SEND INFORMATION TO THIRD PARTY COMPANIES NOR DO THEY MAIL OR GIVE INFORMATION OVER THE PHONE SO NOT ONLY SHOULD ANY OF THESE ACCOUNTS BE SHOWING ON MY CREDIT REPORT WHILE IN DISPUTE WHICH IS AGAINST THE FCRA LAW ACCORDING TO FCRA. THE BURDEN TO PROVE ACCOUNTS DO NOT BELONG TO CONSUMERS IT SHOULD BE THE CREDITOR. IF SOMEONE HAS BEEN IDENTITY THEFT THERE IS NO WAY FOR CONSUMER TO GIVE PROVIDE ANY DOCUMENTATION TO ANYONE. REMOVE THE BANKRUPTCIES AND ALL THE ERRONEOUS ACCOUNTS THAT FALL UNDER THEM : XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ACCOUNT FROM XXXX, XXXX XXXX, XXXX, XXXX/XXXX  WHICH IS TWO ACCOUNTS ON THE REPORT, TARGET ALL THESE ACCOUNTS ARE UNDER A XXXX XXXX. I AM XXXX XXXX!
Consumer complaint received 2023-04-19
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)

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

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-25
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. (FL)

In XX/XX/XXXX, I disputed several inaccurate entries that were reflected on my Experian and XXXX  reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XX/XX/XXXX, neither Experian nor XXXX have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for Experian reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for XXXX  reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. Experian has had 58 days and have yet to respond. XXXX has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a XXXX balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (FL)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for Phoenix Financial reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help