davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a customer of Bank of America that ( due to Covid ) is collecting unemployment. On XX/XX/2020, I attempted to transfer funds from my unemployment EDD prepaid account to my regular checking account ( transaction ref # XXXX ) and accidentally entered an account number ending in XXXX, instead of XXXX. I realized this error 2-weeks later, I contacted the bank ( Bank of America ) and filed a transfer error claim. I received a letter two weeks later stating there was no error, and I needed to contact the merchant/individual that I transferred the funds to. I don't know who received the funds I transferred because I do not do business with this individual. I have made several attempts to resolve this issue with Bank of America, but all they do is take notes and transfer me to various departments.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I received my credit report on XXXX XX/XX/2020. I disputed with Equifax ( Online ) an address and received confirmation on XXXX XX/XX/2020, that it was deleted. Today, XXXX XX/XX/2020 when I refreshed my credit report, the address in question was Not deleted. Please forward this concern for correction to Equifax. Thanks
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV sent me the consumer [ XXXX XXXX ] emails on the following dates XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 about an alleged debt. After looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with LVNV, this is my right as the consumer under the FCRA. 
On XX/XX/2023 I sent LVNV a letter tracking # XXXX XXXX XXXX XXXX XXXX of dispute with a conditional communication via mail correspondence only. 
I did not receive a response from LVNV to the first dispute letter. 
After 30 days I sent LVNV a final letter ( Notice ). The last letter was sent on XX/XX/2023 for the alleged debt. I stated in the final letter that LVNV was being deceptive in sending two ( 2 ) other collection companies to collect on the same alleged debt. I've already reported one of the collection companies for Identity theft with the FTC, CFPB, and XXXX. In this formal complaint I want to do the same for this third party collection company. 
They never responded to any of my letters for the alleged debt. I have the right to dispute a lawful validation of debt pursuant to CFR 1006.34 Notice for validation of debts under the FDCPA. 
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which LVNV did continue to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 
LVNV is in violation of the following Laws ; 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 
15 U.S. Code 1681 q - Obtaining information under false pretenses. 
18 U.S. Code 1028A - Aggravated identity theft.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

Chase Freedom Card : I am being charged late fees on waived late fees. It is a rip off and despite speaking with a Chase supervisor, they contend that waived late fees form non waived balances due. In other words, they mislead card holders into compounded new late fees. 

It is what XXXX and day lenders do to run up debt. I hope you can look into this practice and issue them a reprimand or embarrass the company to stop this practice. 

I have been a Chase account holder for decades. This behavior is causing me to rethink my former loyalty and wonder what low income families must be doing when they are faced with similar circumstances. 

Thank you in advance for your potential assistance. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-07
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$470.00} XXXX {$0.00} XXXX XXXX {$470.00} XXXX XXXX {$57.00XXXX XXXX XXXX {$3900.00} XXXX  XXXX {$1300.00}
Consumer complaint received 2022-08-04
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 (TX)

Claim number : XXXX Never in my life I have seen such a bad, useless customer care service and a department for Fraud & Dispute which does not know its work.

After 3 days of trying to get hold of fraud team and after numerous call holds for 2 -3 hours each finally on XX/XX/2022 - XXXX XXXX  I was able to speak to someone from Fraud and Dispute team. ( I wish I could have spoken to someone more knowledgable on subject ) Cust Rep Name : XXXX Team : Fraud & Dispute I told her reason for the call, asking her reason on why my dispute claim was rejected. She said I should submit a police complaint and they will help me get money back. I asked why we have fraud/ dispute team then, she said I dont know. I told her about " FCBA '' and asked about points mentioned in " https : //consumer.ftc.govXXXX XXXX XXXX XXXX FTC for which she said she is not aware and put me on mute. I was shouting/ asking questions on call, but she went somewhere and later I could only hear keyboard noice and finally she disconnected me. 
If this is kind of team you have with such kind of persons, then BOFA is a bigger fraud and their banking license must be cancelled.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

I have had the Chase Saphire Reserve Card since XXXX of 2018. I agreed to a {$450.00} annual fee upon signup. This year, it looks like they fraudulently charged a {$550.00} annual fee. 

I called to resolve this, the agent refused to let me speak with a supervisor, citing coronavirus. She said that they sent an email ( they did not ). She claimed that an email is all that is necessary to violate contract and raise the annual fee without notice. She then disconnected the call. 

Furthermore, Chase Saphire airport lounges are closed, travel credits can not be used due to travel restrictions, and most of the card benefits can not be used by anyone. Finally, concierge is unavailable, and customer service is unable to provide support due to being understaffed from the pandemic as my recent call proves. 

This issue can be resolved by refunding the full annual fee ( {$550.00} ) that was charged without notice or authorization.  Otherwise, Chase needs to be sanctioned for this fraud perpetrated on millions of Americans.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid off a home equity loan on about XX/XX/2022. The balance was just under {$2800.00}. After the balance was paid off, the bank, XXXX XXXX, charged me interest on {$0.00} in the amount of {$4.00}. I didnt realize this, assuming I had paid off the balance and owed no more. The {$4.00} incurred a late fee of {$0.00} and two weeks later this was reported to Transunion who the dropped my credit score by XXXX XXXX for a late payment. I believe this looks nothing like a fair credit report for me. My score was XXXX, Ive had a mortgage for 13 years with no late payments, I took out a second mortgage, all utilities, car payments, two mortgages, all paid on time. Always. Its all on autopay. But now, my bank charges me a strange maintenance fee on a paid account and a month later my score is destroyed. How is this a fair portrait?
Consumer complaint received 2023-07-25
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. (SC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

On or about mid XX/XX/2019 my identity was stolen and accounts opened in my name at XXXX XXXX XXXX and XXXX XXXX XXXX. These issues were resolved. Several months later I received a bill from Capital One for over {$2000.00}. I had filed a complaint regarding my identity as well as spoke with a Capital one representative. My credit report currently shows a Charge off of this amount but states the dispute was determined to be my responsibility. Obviously, there was NO investigation as I never opened a Capital One account. They do not have my signature nor was my identity verified. There must be some one to determine who opened this account and who used the card. There are cameras everywhere and it should be simple to look up a purchase and determine who is using the card. 
I have disputed the addresses listed on my credit report 3 different times and yet they remain. I have NEVER lived anywhere other than XXXX XXXX XXXX XXXX   XXXX, & XXXX XXXX XXXX XXXX. both located in XXXX, WA. 
I need this resolved and I need a REAL investigation. People should not be able to open up credit without a picture ID & verification that the individual is the person seeking credit. The burden should not be on the consumer with these types of reckless policies.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX I paid my balance in full with Citi as well as multiple other creditors. Current utilization is 15 %. I used the card for large purchases since were building our home and utilizing that credit to assist us. I paid that balance again down to XXXX. I received notice shortly after that ( XX/XX/XXXX ) that my limit was being decreased from {$9500.00} to {$600.00} which is almost a 95 % decrease due to substantial debt owed to other creditors. Ive contacted them multiple times and even submitted documentation to support the correct balances being XXXX  and having low utilization. Ive submitted current credit report information showing the correct balances as well. Ive submitted screenshots of bank accounts to show over $ XXXX in savings to support my higher limit. Citi refuses to work with me and return the limit to where it was. This could have a severe impact on our home build.
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF THE WEST (TN)

I applied for a loan on XX/XX/XXXX. I received a response the application was received and I would hear back in 3-4 days. I never heard back. I received notice in the mail my credit had been pulled and my credit score was over 800. I have not received an approval or denial letter or phone call. It's my understanding they are required to notify me one way or another to be in compliance with the law. Today is XX/XX/XXXX and I still have not heard back. I've tried to call multiple times and I sit on hold only to be hung up on eventually. I emailed with no response. I feel this is not a legitimate operation and I'm concerned I've given my NPI info to an unworthy party. I take my personal information and credit very serious. 

The company name is Essex Credit and division of Bank of the West.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

The complaint is against JPMorgan Chase Bank I opened a tenant landlord escrow account on XX/XX/XXXX On XX/XX/XXXX Chase sent the funds to the unclaimed property state remittance and never notified me. Chase had been sending letters to the tenants to claim the deposit money, but she never did. She could have just claimed the money and took the security while she was still living there, which would have left me without a security deposit. How is this legal? How is the bank operating under these terms and landlords continue to put their money there? When I inquired I was told the letters were sent to the tenant because of inactivity. I, the escrow agent ( landlord ), never received notification and neither did I see anything on the my statements. The money now needs to be returned to the tenant because she has left the apartment. Chase put me in liability because I have the right to deduct the deposit for damages to my property or nonpayment of rent. After all these years with Chase I am terribly upset and concern about the financial damages and liabilities they have caused myself and the tenant. First, from accounts at other banks that I have spoke to they have not mentioned that money would be sent to unclaimed properties in that short of a time frame and the bank would notify me both online and through the mail. Chase did not. Under Illinois law ULC Uniform Act ( RUUPA ) under Treasurer XXXX there are changes in XX/XX/XXXX which my account was opened in XX/XX/XXXX. I did not received notification of the changes and the law required email contact. I have used online banking and have had an email on my profile. In addition, I visit different chase branches and no mentioned of that law or my accounts. I hope others will learn from my experience and will tell other landlords and realtors of what Chase is doing. When Chase sent the money they only left of XXXX of interest in the account. It was never officially closed until on XX/XX/XXXX and Chase allowed me to open it. Do you think that if landlords found out about this, they would keep their business with Chase?
Consumer complaint received 2020-06-18
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. (MS)

I have been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I WAS INQUAIERING ONLY ABOUT THE XXXX BANK HELP. BUT DID NOT TELL THEM I WANTED IT AND DIDN'T OK IT. AND MY WIFE SAID NO. 
OUR ACCOUNT HAS BEEN PERFECT TILL XXXX AND XX/XX/2020. THE BANK OUT XXXX INTO IT AND PUT MONEY INTO A SEPARATE ACCOUNT. THEY SAID THEY WOULD FIX IT. 
NOW THE WAY IT'S WORDED AND WHAT THEY DID MAKES OUR ACCOUNT LOOK BAD AND NOW IT LOOKS LIKE WE OWE THEM MORE MONEY. NOW THEY REFUSE TO FIX IT CORRECTLY. THEY PUT TERMS IN THERE LIKE REVERSAL, REVERSAL, ETC. MAKES IT LOOK LIKE WE WERE LATE. AND WERE NEVER LATE. THEY REFUSE TO LET ME SPEEK TO A SUPERVISOR OR THE CEO. 
PLEASE PROVIDE ME WITH A FAX NUMBER SO I CAN SEND YOU THE PRINTER OUT PROOF ON WHAT THEY DID. I DON'T KNOW HOW TO UPLOAD A FILE. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX NC XXXX
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing to ask that you provide to me a true, correct and complete copy of the promissory note and any other evidence of indebtedness, with any modifications or endorsements thereto, as disscused in California civil code & 294 3 ( b ) ( 1 ). 

Please provide to me a true, correct and complete copy of the deed of trust with any modifications and assignments thereto, as discussed in California civil code & 2943 ( b ) ( 1 ).

Please also provide, pursuant to the truth in lending act ( 15 u.s.c & 1641 ( f ) ( 2 ) the name and address and telephone number of the secured obligation 's owner or master servicers. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca, XXXX Account # XXXX XXXX * XXXX XXXX pm *
Consumer complaint received 2020-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

I setup XXXX to move money around XX/XX/XXXX or XXXX and put through a transaction to my nephew, who uses the same bank I do. Instead of his receiving the money right away, as advertised, it took three days. 

I called TD Customer service and was told when first setting it up, that's their policy. 

Today, Thursday, XX/XX/XXXX, I went to send money to my daughter-in-law, and found out she will not get the funds until Tuesday, XX/XX/XXXX. Making the service useless to me, and also not as advertised. 

Now, a person at the branch told me that the first transaction to a new recipient takes 3 days. That's not as advertised. Not as promised. And makes no sense at all.
Consumer complaint received 2020-06-18
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: Opportunity Financial, LLC (NV)

Opp loans has failed to provide verification of the charge off listed under my name. The account is inaccurate and even after several disputes they have not verified ownership or accuracy of the charge off.
Consumer complaint received 2020-06-18
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 (NV)

XX/XX/2020 - I purchased an item from XXXX XX/XX/2020 - I returned an item to XXXX XX/XX/2020 - Item arrived at XXXX XX/XX/2020 - Contacted XXXX regarding a refund and why I haven't gotten a response yet. 
XX/XX/2020 - Contacted XXXX again sending additional proof that I sent my item in along with a signed affidavit that XXXX made me sign. 
XX/XX/2020 - Attempted a charge back with Bank of America because XXXX refuses to refund me despite item arriving. 
XX/XX/2020 - XXXX contacts me asking why I started a charge back, XXXX later tells me to not worry and let the charge back to go through. 
XX/XX/2020 - Bank of America closes claim and re bills my credit card.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? 
This is grounds for removal. 
They also violated my rights under 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 15 U.S.C 1692c Section A : States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt