davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom this may concern : As defined within the following message my name is XXXX XXXX XXXX XXXX and I am trying to file a complaint about the response that was sent to me by the XXXX personnel ... a correspondence was sent to the U.S. treasury department for there evaluation of the enclosed! 

There is one other issue concerning transactions which have taken place during my account business with the Bank of America ; on or about XX/XX/2015 when I opened my BOA account ( s ) I owned a Savings Account with Bank of America... but for some strange reason my Bank of America Savings Account was abruptly closed by the BOA branch located at, XXXX XXXX XXXX XXXX in the city of XXXX, state of Florida XXXX their telephone numbers are XXXX ( XXXX ) XXXX. 

What I am asking with this complaint is to be refunded for the more than {$800.00} that was in my BOA Savings Account which that BOA branch decided to close without my approval resulting in taking those funds from me... I requested a refund with an associate working in the branch via the address above, her name is XXXX XXXX XXXX XXXX she responded to my requests with her business card, and asked me to contact Customer Service at XXXX XXXX and try and resolve these fraudulent problems with my account. 

Please help, Sincerely, XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Florida XXXX
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

I am currently a XXXX XXXX  customer and have been for several years with automatic payment on all activities. I have had nearly perfect credit for at least a decade. Recently on XX/XX/21 when trying to refinance my mortgage, I was notified by my broker that my credit score had dropped over 100 points. I learned that the cause of this was a {$120.00} internet bill from XXXX XXXX ( XXXX ). As a result I was unable to be qualified for a mortgage that would have saved me thousands of dollars each month for the next 30 years. To this day I have never received any notice of a debt owed either by postal mail, phone or email. That day, I immediately contacted XXXX and Amsher collection services to resolve the issue. The only information I was able to get from these companies was that the bill was from unreturned internet equipment. Both companies have denied requests for a credit mark deletion letter despite their error, despite XXXX receipt and proof of equipment rental return ( XXXX claims the debt is from unreturned equipment ). They have made it nearly impossible to resolve the issue as I have given them proof but the credit report marks are not being reversed. I immediately paid the fee out of desperation even though I am not at fault. Both companies have still refused deletion letters. I have been a loyal paying customer to XXXX for several years and yet this company couldnt appropriately notify me of a simple debt, despite having all of my contact information. This behavior in a large company is troubling to me as it is directly responsible for a negative effect on my finances and many other consumers over the long term. What is more troubling is that this behavior occurs regularly to other consumers and there is little recourse against XXXX.
Consumer complaint received 2021-12-08
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: AMERICAN EXPRESS COMPANY (NV)

I purchased ( 2 ) XXXX XXXX XXXX  XXXX 's for {$1900.00} on XXXX  on XX/XX/2021. I received one of the phone, but to find out when going to get it activated at my cell phone provider, that the phone was blacklisted, So it is basically a paper weight. I contacted XXXX Numerous times, and they were not helpful at all and would not help me. I contacted my Credit Card Provider ( American Express ) and explained that I had only received one of the products, and still was waiting on the other item. I waited about 2 more weeks, contacted XXXX once again to see where my item was and to see if they could help me with the other item as well, To find out that the other item was delivered, but was not received by me. I tried to get XXXX to help me with both of the items as I hadn't received one of the items and the other item was blacklisted and could not be used. They Refused. I then contacted my bank ( American Express ) and filed a dispute, the dispute got denied as XXXX was stating that I had received the items, This is about a month later. After seeing that the dispute was denied and they rebilled me for 2 items that one was blacklisted and the other was not delivered to me as they stated, I saw on the letter they sent me stating they were rebilling me for the purchase, that there was a signature but it was not mine, I then brought this to my banks attention, and once again we are disputing the charge again. We do this for about 2 months, With proof and everything that one item was unusable, and the other item was not delivered to me. We disputed the charge about 5 times. After the 5th time of being denied of the dispute, I called my bank once again and the guy stated i could do an insurance claim. So i go through the process of the Insurance claim with my bank, and provide everything they asked for, and once again was denied the claim. This has been a complete utter nightmare. When i pay off the remaining balance i will be closing my account with American Express. I thought they were suppose to protect the customer, But from my experience i see that, that is not true at all. They are the worst Bank i have ever dealt with and wouldn't recommend anyone to use them for banking at all.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (CO)

On XX/XX/2021, I attempted to add {$400.00} to my XXXX gift card using my Citibank credit card. My Citibank credit card was charged {$400.00}, but the money was never desposited on the gift card. I filed a dispute with my credit card company and with XXXX. Citibank says that they have been unable to get XXXX to reverse the charge and XXXX has been giving me the runaround on the transaction. At this point I just want the {$400.00} refunded since I no longer trust putting the money on to a XXXX gift card. It has been four months since this occurred and the problem is still not resolved.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2021-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Hello, I have been working on this issue for 18 months, so I'm happy to see that I am able to report Experian to the CFPB here. Long story short, my current mortgage is not reflected on my credit report and I need it to be ( it should increase my credit score ). This was a problem a year ago and I tried so many times to have it fixed that I just quit. Now I am trying again. About 6 months ago I started some credit disputes through Experian. I am disputing the fact that my mortgage is not reflected on my credit report. 

Their disputes department has directed me every time to have my mortgage lender upload the documents showing the details of my mortgage. My mortgage lender XXXX XXXX XXXX XXXX ) has done this 4 or 5 times now in the last 6 months. Each time, XXXX XXXX is sending me screenshots of the cases in the XXXX system showing me they are sending my mortgage documents to Experian. They also give me a case reference number every time that I can give to Experian. However, Experian still never updates my credit report to show my existing mortgage. Every single time I call about this, they literally tell me they can't tell me if they have received the info from my mortgage company or not, and they have me direct my mortgage company to call their Experian rep. I tell them we have done this many times already, and they tell me this is all that I can do. 

My mortgage company has tried contacting their Experian rep several times over the past few months. The rep never calls back, and they never confirm that they are receiving my mortgage information. At this point it seems like it is literally impossible to get Experian to give me an answer about how to get this fixed, and also impossible for my lender to even contact them .I don't know what else to do. 

Thank you for hearing me out, XXXX XXXX
Consumer complaint received 2021-12-08
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. (FL)

Im really disappointed! I pulled my credit report ant I see no changes! I sent you complaints before that I have no idea where these accounts came from! Im sure that someone hacked my personal information
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Amount of {$90.00} for an hour parking at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
It took me over an hour of driving around to find parking throughout this historic neighborhood. I went in and out multiple times of different and the same parking lots since they were all full. I did park and pay at a Parking space and then I also parked at another handicapped parking spot. I also had to input the make and model vs the license plate. There were also people taking cash payments in some of them. It was chaotic. They have provided a pic of a moving car... Yes a car in movement in a parking lot. Not a parked car. This is unacceptable. And as I said, I also paid someone and cash to park. They need to have signs to say how they collect and how if you fail to keep your stub 3 months later as proof, a {$100.00} payment will be requested. I demand for this to be removed. For any parking facility to have ample handicap spaces close to were payment is to be made and a notice to keep your stub for 3 months down the row in order to provide proof of payment.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On two occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, Equifax and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and additionally I am to grant permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost XXXX months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-08
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: JPMORGAN CHASE & CO. (MD)

I disputed ALL XXXX XXXX charges to my credit card on XX/XX/XXXX and wrote XXXX XXXX a letter terminating all service agreements with them on XX/XX/XXXX when I realized that XXXX XXXX is a fraud and I had been scammed. They never intended to fulfill any of the services I paid for. Chase has yet to credit my account with XXXX of the XXXX charges -- {$5000.00} and {$15000.00}, providing me with phony excuses from the merchant after I disputed the charges continually for FOUR months. I did not receive ANY service nor product from XXXX XXXX and requested refunds of the two highest charges. Today Chase wrote me that it has been too long since the charges were made, so the merchant doesn't have to refund my money. The length of time since the charges were made is Chase 's fault! They have been stalling for FOUR months! I immediately responded to them with an EIGHTH letter rejecting their alleged " resolution. '' The result is that, not only was I scammed by XXXX XXXX and suffered THAT traumatic experience, I am being scammed by my own credit card company who refuses to credit my account for charges for which I never received anything and had canceled. The anxiety and trauma has continued for FOUR and a half months! 

I've attached a full report on Chase, entitled " FTC JP Morgan Chase Report '' and I've attached all the documentation I provided Chase since XX/XX/XXXX proving I was scammed.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with Bank of America twice, regarding blatant fraudulent activity that occurred on my dads trust account that I recently opened, as the trustee. The initial time that I filed, I simply told them what occurred. The second time, I spoke directly to a manager and had him send it through. After it being rejected a second time, I had to take approximately 15 hours total out of my own personal time to basically do the claim workers job. I contacted each of the merchants where the transactions occurred and several of them agreed and had found prior to speaking with me that the transaction ( s ) were in fact fraudulent. Including a hotel manager who provided me with a personal statement that the criminal was in her hotel with a card, with my debit card number on it, the card had a mans name on it. She also said that he was in the hotel for a couple of days and trashed the place. I am a woman and I do not reside in Florida where the transaction occurred. I live in XXXX XXXX. Several of the transactions occurred out of state and even internationally. I find it utterly unfortunate that instead of protecting their clients, Bank of America has resorted to treating me as if I am the criminal. They had placed me in a position not once or twice, but three times. Bank of America personnel was supposed to take the time, just as I did to contact each of the merchants, and they clearly did not. Please view further information via my personal statement and police report filed. Please note : that one of bank of America 's reason for denial was that the trust account was not drained, and it clearly was, with about approximately {$4.00} left on the account after all the activity occurred. During the initial report, I was given inaccurate information also by one of the reps with regards to a certain transaction and its amount. The whole process has been an absolute nightmare for me and I will not stop until Bank of America does their job to treat me as though I am actually their client and not that of a criminal.
Consumer complaint received 2021-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (OH)

On XX/XX/XXXX my doorbell camera filmed a man taping a notice to my door to contact my mortgage company Village Capital urgently! So I did, and I was told that my XX/XX/XXXX payment had not been received. My payment is automatically drafted from my checking account on the XXXX of each month, and I have a monthly statement from Village Capital showing that my payment had in fact been received on XX/XX/XXXX. 
After being put on lengthy holds and speaking with numerous frontline representatives about this, I was finally able to speak with Supervisor XXXX XXXX who informed me that my Original Loan Amount of {$350000.00} was incorrect and that the Loan Amount was being changed to {$350000.00}. The Loan History that I am including shows the loan starting over a year ago with the amount of {$350000.00}. Thirteen timely loan payments have been made since then. The Loan History also shows that on XX/XX/XXXX that {$540.00} was added to my Principal. 
XXXX XXXX informed me that an audit was done and that my original loan amount should have been {$350000.00}. He had the loan department send me a Closing Disclosure with that amount on it dated XX/XX/XXXX. I've sent Village Capital 's loan department a Corrected Closing Disclosure that was e-signed on XX/XX/XXXX prior to the Loan Funding on XX/XX/XXXX with the dollar amount of {$350000.00} that the loan began with. 
While I have spoken with Supervisor XXXX XXXX on numerous occasions, he has informed me that he can not make any changes on my account and that I would have to speak with someone in the Loan or Loss Mitigation Department. He tells me that he has sent numerous emails ( 5 ) to that department for someone to call me and discuss this error with me, but as of today XX/XX/XXXX No one has called me! Supervisor XXXX XXXX tells me it's out of his hands and that he can not understand why nobody has contacted me from the Loan/Loss Mitigation Department XXXX 
If I could talk with someone from that Department, I would let them know that the reason for the Corrected Closing Disclosure was that the original Homeowners Insurance was quoted too high in the amount of {$220.00} a month and that it was corrected to {$110.00} per month, a difference of {$530.00} which is ironically almost identical to the amount they have increased my principal by ( {$540.00} ).
Consumer complaint received 2022-04-22
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. (FL)

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

XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  XXXX XXXX XXXXXXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS 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 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.