davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX I received a Bamk of America Transfer Order in the amolunt of {$150000.00} US. I thought this looked to be a scam so I investigated it by several emails to XXXX XXXX, Executiver Vice President of the Bank of America Escrow After many emails in the months that followed I sent her a form to comfirm this was real. I asked her if it was fraud not to sign it. Also that if it turned out to be fraud later, she would have to pay for this from her own funds, thus guaranteeing the funds would be sent to me. This was on XX/XX/XXXX that she sugned and returned it to me. I was requested to pay {$2800.00} US to XXXX XXXX XXXX XXXX. I paid {$1000.00} on about XX/XX/XXXX and the balance on XX/XX/XXXX. Aftere many, many more emails to her requesting my funds be release and paid to me, I got a message from her on XX/XX/XXXX stating that they totally agree with the guarantee that was signed, that the money is only waiting for the payment to be released. Being it is impossble to make any more payuments from here, can not do a bank transfer etc, I requested any furher charges be deducte from the transfer. Many more mails were written, threats were made to have the Bank of America math any funds transferred out of that bank, and other things. Now she won't even answer my emails, the last time I tried to write to her I got an error message saying my message was not delliverable. I never received any money whatsoever, My local police department declared this to be fraud. I have lost the {$4000.00} US plus the funds promised to me. i am a XXXX citizen living in XXXX. If more information is requred please email me.
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

XXXX applied for financing for a new vehicle. We were told we were approved yo which I verified more than once with approving bank. We were told the interest rate, agreed on down payment, agreed on trade in amount. 
I asked them for manufacturer discount for being XXXX veteran and was told no. 
The dealership used high pressure tactics and told us deal was only good through XXXX. I explained that my wife is a XXXX XXXX and had to work but could come to dealership XXXX. We were again pressured to go to dealership by XXXX. We went to dealership XXXX. We signed a contract, paid our cash down payment, left our trade in and drove new car home. 5 days later the dealership called and frantically told us that we needed to return the car. They didnt say a word about returning our down payment or trade in. They said either return the car or finance through the manufacturer at a much higher interest rate. The dealer did not disclose the buy rate or other banks that would finance us. The only option was to finance through manufacturer at much higher rate and we were told this had to be done immediately. We felt enormous pressure to sign new contact out of fear of losing new car, losing down payment, losing trade in. To us, the dealership did a classic Yo Yo finance scam. They completely took advantage of me and wife knowing that we have good income and knowing we were getting car for our daughter. Now our monthly payment is considerably higher and the amount paid through end of loan is much more. They also tried to sell an extended warranty which we refused but as we were walking out of finance office we were told car has lifetime powertrain warranty if we brought car in for annual inspection. High pressure, deceptive tactics, Yo Yo scam. Told by sales manager to refinance it if we didnt like loan terms with manufacturer. Shameful behavior. Finance guy is very dishonest and should not be working in a position of trust.
Consumer complaint received 2023-12-07
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. (PA)

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX. This account is not accurate. Please delete it. 
XXXXXXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX XXXX. This account is not accurate. Please delete it. 
XXXX XXXX. This account is inaccurate, please delete this information. 
XXXX XXXX XXXX This account is not accurate. Please delete it. 
XXXX XXXX XXXX XXXX. This account is not accurate. Please delete it. 
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove 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
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX at around XXXX I received a call from a number that identified as BOA. A man on the phone identified himself as a BOA fraud specialist XXXX XXXX and gave an ID #. He even said the call was being recorded for training purposes. He asked if I had opened a new checking account. I told him no. He then asked if I had made two XXXX payments, one for XXXX and XXXX. I told him no. He then said the account had been closed but he had to transfer me to a XXXX fraud specialist, his name was XXXX, to reverse the transactions. He gave ne a confirmation number XXXX to give to the XXXX specialist. He transferred me and this guy walked me though the reversal process. He gave me a code which was XXXX to put into XXXX, with myself as the recipient. He had me put in XXXX. He said it would com back to me and it did. He then had me do the XXXX and said this would take a bit more time. The message came up about sending and warning but he said to disregard it as this was the only way to keep the funds in my account and prove I did not send them. I kept telling him I was not comfortable doing this. He kept saying he was only there to protect my funds. He was so professional and believable. I am always wary of scammers but these individuals took it to another level. I even called the number with my husband 's flip phone to verify it was BOA. It was. I am on XXXX and this devastated us. Luckily I had an emergency account at XXXX XXXX and I transferred XXXX into my account to cover my bills that hit my account that Nighy. I was even questioned about that. One BOA person suggested my husband did this. My husband does not do any banking as I handle all finances. One BOA fraud personal said it went into another BOA account! I've been a customer with them since XXXX. I am so distrustful now of everyone. 
XX/XX/XXXX I got a phone call from XXXX XXXX XXXX saying XXXX would be my Fraud specialist going forward. Giving her number as XXXX XXXX XXXX. When you call it it just says XXXX XXXX and beeps. BOA says no one will call me so they were scammers. This is insanity! I just want my XXXX back and to.never have to answer my phone again.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (GA)

In XXXX or XXXX, I received a notice in the mail stating that FNBO was going to increase my APR in XXXX. On XX/XX/ I paid the full balance {$2300.00}. On XX/XX/ I received a letter stating that my credit limit was decreased due to delinquency on my account with them, total monthly payments and DTI. When I called to find out how I was delinquent when I paid it in full, I was told that I had a {$13.00} balance that I didnt pay. I informed to rep ( XXXX XXXX # XXXX ) that I never received a bill for the {$13.00} and was told that I was enrolled in e-statements. I said I never enrolled in e-statemets and always received a bill in the mail. I requested to have the issue elevated and to speak to a supervisor. She placed me on hold for a few minutes and told me her supervisor XXXX XXXX XXXX said there was nothing they could do and to figure it out with the credit union, XXXX. She said I could also request a credit increase in four months but it would require a credit pull. I reiterated that I never enrolled in e-statements and how they could address that. She told me if I wanted a bill for that, she would send it. I wasnt allowed to speak to a supervisor nor would she address the fees on the account after I paid the account in full or that I didnt enroll in e-statements.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NC)

XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 : XXXXF Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights . Or 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

RE : METHOD OF VERIFICATION/XXXX. 
TO WHOM IT MAY CONCERN, ON XX/XX/2023, I REQUESTED A COPY OF METHOD OF VERIFICATION DOCUMENTS FROM EXPERIAN CREDIT BUREAU TO VALIDATE DISPUTED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. IT HAS BEEN 47 DAYS SINCE MY LAST NOTICE OF THIS LETTER. EXPERIAN HAS NOT RESPONDED TO MY PREVIOUS REQUEST AND I HAVE BEEN IGNORED, YET AGAIN WITH THE SAME COMPREHENSIVE WRITTEN NOTICE OF WE TAKE DISPUTES SERIOUSLY AND IMPARTIALITY SERIOUSLY. NONE GIVEN. I DID NOT SENT IN ADDITIONAL INFORMATION TO EXPERIAN, IF I HAD DONE THAT, IT WOULD CONSTITUTE AN ADDITIONAL 30 DAYS. WHICH IS A VIOLATION OF MY STATE, AND FEDERAL CONSUMER LAW IN ACCORDANCE TO 15 USC 1681i AND 15 USC1692. I HAVE SENT IN THE PROPER IDENTIFICATION POSSIBLE TO EXPERIAN FOR ALLEGED DEBT. LIST OF DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN 'S FAILURE TO RESPOND TO MY REQUEST FOR VALIDATION IS A VIOLATION OF THE FDCPA AND FCRA LAWS AND MAY RESULT IN AN INVESTIGATION OF EXPERIAN BY THE FEDERAL TRADE COMMISSION AND ALL FEDERAL BUREAUS. ANY ATTEMPT TO COLLECT A DEBT WITHOUT PROPERLY VALIDATING WOULD BE A VIOLATION OF THE FDCPA AND STATE CONSUMER PROTECTION LAWS. SHOULD EXPERIAN CONTINUE TO ATTEMPT TO COLLECT THESE DEBTS, WITHOUT VALIDATION, I HAVE THE RIGHT TO SUE EXPERIAN IN SMALL CLAIMS COURT AND SUBJECT THEM TO A FINE OF {$1000.00} PER VIOLATION AS WELL AS MY ATTORNEY FEES AND COURT FEES AS DAMAGES. I WOULD LIKE TO REMIND EXPERIAN, THAT THEY ARE LEGALLY OBLIGATED NOT TO REPORT A DEBT THAT HAS NOT BEEN PROPERLY VALIDATED. I AM SURE THAT EXPERIAN WISH TO RESOLVE THIS MATTER AS QUICKLY AS POSSIBLE AND AVOID ANY UNNECESSARY COMPLICATIONS. SHOULD EXPERIAN FAIL TO RESPOND TO THIS LETTER WITHIN 15 DAYS, I WILL NOT HESITATE TO REPORT THESE VIOLATIONS TO MY STATE ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

I deposited a check for services to my business account & Chase JPMorgan has held the check for over a week. They have said they are verifying the check with the maker & paying bank. I have spoken to the maker & paying bank myself with a Chase branch manager & the paying bank said funds have cleared. But yet, chases fraud department will not release the funds. And they have since completely locked my business account. Restricting me from using other funds I had in the account. They told me this morning if the check can not be verified they are going to close my account & refund the pending check to a customer I have already assisted in receiving the equipment. XXXX XXXX XXXX, manager of the XXXX, XXXX branch will back all of this information.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to formally request the reversal of late payments reported on my credit history. All payments should show OK or not be present. I understand the importance of maintaining a positive credit profile, and I am committed to rectifying any discrepancies in my credit report. 
I have recently reviewed my credit report and noticed that late payments were reported on the following accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Late Payment ( XXXX ) : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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

15 USC 1681a 2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1618s-3 of this title, any- ( i ) -a report containing information solely as to transaction or experience between the consumer and the person making the report.

15 U.S.C 1681 Section 604 Section 2 : 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. Any other adverse item of the 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 
XXXX XXXX I Last reported XX/XX/2023 XXXX XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ( tel : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ) XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX ( XXXX )
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (IL)

15 USC 6803 Disclosure of Institution Privacy Policy. I XXXX XXXX here on behalf XXXXXXXX XXXX\Principal are notifying National Credit Systems are violating my principals right to privacy. Henceforth you and your client are sharing non public information which furthermore violates the principals rights and federal law without the principals consent. If these torturous acts are to continue you will be held civilly liable for willfully and knowingly causing harm to such principal, you have been notified if this continues we will bring litigation to one of the high courts of the land concerning the matter.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Last year in XXXX, I deposited a check into my Bank of America account. It took a month to verify the check after the check was verified. I was unable to pull money out of my account. Bank of America gave me a number to call. I called the number they advised me that my account was under review. I waited another month, and the account reopened. I was able to withdraw money after all that occurred. My account was locked again, and I was unable to withdraw any money. My account was then closed, and I have not received the funds from Bank of America. I have called them multiple times they told me that the check I deposited was fraudulent I asked them for proof of the check Been fraudulent and they never sent me anything. I called back, requested information again and again and again and they never sent me anything. At this point it has been over a year and I still have not received any information from Bank of America so I decided to file a complaint with your organization.