davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (FL)

the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX XXXX XXXX.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Have tried to get a modification well over a year. Hours and hours of phone calls receiving little, conflicting or no information about status, talking to new people each time who read me notes on file of issues already resolved or discussed. I was not allowed to discuss my loan with the person actually reviewing it and making requests. Requested new customer representative, only means of getting info and could rarely get ahold ( had to make an appointment date and time for him to call me, sometimes not getting a call ). My rep repeatedly seemed as if he had never talked to me or knew of our previous conversations. After telling him of my husbands death and requesting a certificate, he called my cell and left a message for my husband to call him, just a small example of many.Told it could take XXXX5 weeks to receive a new rep. Never heard back Also took a week and a half to track the right person down who could confirm they got my ( same day ) fax of the death certificate that they desperately needed to go forward. Called them yesterday because I received an insurance letter mentioning the change in status of my loan. BOA says there was a sale date of XXXX and modification denied XXXX. Called FHA today and HUD. Was asked if BOA had offered me a required TPP Agreement? which I no nothing of, but then referred me back to Bank of America. Rep could not tell me why I was denied. She did see a sale date but no denial letter. On hold ( again ). She could not get a supervisor on the line to find out why denied. ( Past issues with payments were due to seriously ill husband who passed away in XXXX and my job status ( in current job almost a year and I can afford my home ) I have been advised by BOA to call the banks local law firm if I want a redemption. Lawyers have n't responded. I believe modification file is probably closed at bank for the 3rd time ( in which the other 2 times I had to start from scratch in applying and w/supplying all required info as its somehow disappears after a certain time and you no longer have a contact person. ) I am in fear that not only I and my XXXX young daughters will soon be kicked out of my home w/no notice just as I had not received notice of modification denial or property sale date ( and previous sales dates and sale dates on hold ). Also my loan balance has probably increased by thousands in fees and delinquencies due to the time this has taken.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting a credit line on my credit report that is not mine. The most current status shows an update amounts owing and due as zero, however, the report shows serious delinquent history. This credit line is not mine and the derogatory and adverse credit history should be removed.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (AZ)

I was an authorized user on this account up until I removed myself in XXXX 2015. According to my credit report, the balance has stayed the same and it looks like there has n't been any data reported since XXXX 2015. Is there a way to show a XXXX balance here?
Consumer complaint received 2016-05-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Telephone conference was scheduled for XXXX XXXX, 2016 at XXXX EST., with the Line of Credit Deparment and the assigned Resolution Specialist ( XXXX XXXX ). The Bank of America 's XXXX Branch in Virginia, one of their Personal Banker assisted me on XXXX XXXX with the following : 1. Checking account 2. Loan Modification 3. Payments 4. Discrepancies due dates is it the XXXX of the month or the XXXX of the month and 5. Negative information being reported to the XXXX major credit bureaus. The Personal Banker was very helpful but it was upto the LOC to resolve my issues. I contacted XXXX XXXX and left a voice message asking her to contact me regarding our XXXX scheduled telephone meeting. Also, I contacted the LOC department and was placed on hold for approximately XXXX minutes or longer and was discounted. I visited the XXXX XXXX Branch on XXXX XXXX, 2016 and asked the associate to help with my checking account and the LOC and was told to contact the LOC department. This is not good customer service.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

For the past 12 months I 've been advised by the Equifax credit reporting agency that my file is too large and currently is being reporting in XXXX different reports. The agency has falsely reported to me that the situation was being reviewed and/or resolved with negative results to date .... I last spoke with a Equifax supervisor yesterday afternoon who provided me a confirmation number of # XXXX. 

This issue is adversely impacting my credit score and violating my rights under the Fair Credit Reporting Act based on this information being inaccurately reported to potential creditors for the past 12 months. 

During the past 12 months this problem has caused my file to be misrepresented in terms of the true credit score and history because the majority of my good standing accounts are n't being captured in the credit reporting process with Equifax.
Consumer complaint received 2016-10-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sherloq Group, Inc (CT)

Received a call from an " Unknown '' caller, which they said was being recorded, regarding a debt that they will not verify until I provide my birth date and last XXXX digits of my social security. I said I would not provide sensitive information prior to understanding where the debt came from, as I have not received any prior notice to owing anyone anything. I asked to speak to a manager and was sent to a voice mail that did not list anyone 's name or number.
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

I received a XXXX Cancellation of Debt form from Chase for tax year 2012. I paid income tax on their write off. However, they are still reporting my account as " charge-off '' and it is still effecting my credit score negatively.
Consumer complaint received 2020-10-14
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 (TX)

I reported that I made a purchase and did not receive, what I paid for. Therefore I wanted a refund. You pay before you get the service. I also had put in a complaint with the XXXX   months before, because they would not respond to me or the XXXX  complaint. I came to American Express because, I could see that XXXX XXXX was not going to do anything and were just stalling for time. 
When I came and told American Express about the situation, and I did not get what I paid for. They should have refunded my money, back to the card, They took his word for fixing this situation. Knowing all of the steps that I went to try to remedy the situation before I even came. As of XX/XX/XXXX, he tried to retaliate against me for reporting him, as he picked that day to tell me that he was not going to refund my money or fix the situation. After all this time saying otherwise. During the dispute period you told me that I did not have to pay, you took it out of dispute. and did not tell me. Now the card is in arrears. When this situation didn't have to be.They also violated my Hippa rights by photocopying my personal medical records and sending them to American Express. Who does that?
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (PA)

I have multiple checking accounts with M & T bank and have had accounts there since I first opened an account with a local bank as a child. The bank was bought several times and has been M & T for many years at this point. I am aware that they have an excessive fee structure, so I take painstaking steps to avoid any kind of possible fees including keeping the bulk of my funds in credit unions and online accounts such as XXXX XXXX in order to avoid their extensive ATM fees and lousy savings account interest rates. I have even opened up lines of credit for almost every checking account I have with them in order to avoid overdraft fees. I basically only deposit enough money in my M & T account to pay my monthly bills via web bill pay and checks. Their web bill pay is the only financial service of value to me. Their rates and service for loans, credit cards, etc are so poor that I never even consider them when shopping for other financial products such as a vehicle loan. 
This week I happened to overdraft my account by {$1.00}. Fortunately I have a line of credit attached to the account so they did me a huge favor of transferring {$1.00} from that line instead of charging me the typical $ XXXX dollars for an overdraft. I watch my accounts constantly via XXXX so, seeing the transfer, I logged on the following day and transferred some money from XXXX of my other accounts ( I had over {$1000.00} on deposit with the institution at the time ) and then transferred the {$1.00} back to the line. For the service of providing me the {$1.00} for less than XXXX hrs, they decided to charge me {$12.00}. I work next to an M & T and have a great relationship with the manager, but as I 've learned from previous experience, the branches have no control over fees associated with the automated system, so I figured I would just call their customer service line and discuss this with someone there since they have effectively removed customer service from the branches. I discussed the situation with the customer service person who also had no ability to do anything at all. I understand the policy, I know what the fee is, and honestly I would care less about paying {$12.00} if they had to advance even {$50.00} on my behalf. But to have no money at all of their own at risk and to charge 833 % percent does not seem at all reasonable. I know it is within their rights per the agreement of use or whatever miscellaneous fine print I had to agree to in order to use web banking, overdraft lines of credit etc, but this is extremely usurious and many of their clients do n't have the means to absorb these kinds of fees routinely. If I could find an institution with equal web banking capabilities, I would close all of my accounts tomorrow.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To : Trans Union I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2023-09-01
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. (TX)

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION. 
-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (LA)

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.

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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.

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 2017-02-24
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a credit card solicitation from Bank of America in the mail to transfer high interest CC debt onto a Bank of America CC offering 0 % interest for two years with a 3 % balance transfer fee. I filled out the provided application in the BOA website that I was directed to in the solicitation and entered all the information asked for along with the {$8000.00} dollar amount of credit I needed to pay off the high interest card. I was expecting to be either approved for that whole $ XXXX amount or disapproved entirely. I immediately received an approval but for only XXXX % of the amount of the balance transfer I was asking to be credited. I was going to close the other high interest rate card if I was approved to eliminate the number of CC 's I have to better my Credit Score so that I could consolidate existing CC debt in a low interest personal or heloc loan. Instead, now I have an unwanted CC that I paid {$75.00} for, ( 3 % of balance ) which lowered my credit score XXXX to XXXX points. There was no disclosure to warn me that if I applied and was n't approved for the entire requested amount that I would be approved and given a CC for a lesser amount. This is a bait and switch unfair practice and I would like to know what my options are to rectify the damage that was done to my credit score.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My HOA covers the structure insurance, I do n't need to purchase further insurance. 
SLS asked for insurance, I sent, repeatedly, spoke to them on the phone, they kept sending notices that they were going to force place insurance, and I would respond and give them my insurance. They force placed the insurance, I FINALLY got them to UNDERSTAND, that I HAD the insurance. They said they would remove the insurance. They send me a refund check of approximately {$700.00}. This month my mortgage payment went up {$280.00} for additional escrow charges ( CHARGED MIND YOU, THAT I SHOULD N'T HAVE ). The only thing they said I could do is send a written dispute, but I have to pay the inflated amount otherwise my mortgage payment would n't posit. My taxes have not increased, my PITI payment had been and should be XXXX. This month they are demanding {$1500.00} and I 'm told next month will be {$1300.00}. I should n't have changing payments because my taxes have not changed, and they do not do my insurance, my HOA does.
Consumer complaint received 2016-05-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MORGAN STANLEY & CO. LLC (IL)

On XXXX XXXX, XXXX I transferred XXXX shares of XXXX ( XXXX ) out of my Morgan Stanley account into my XXXX brokerage account. All the shares were deposited, however the cost basis was never updated via XXXX. I have called and contacted both XXXX and Morgan Stanley since then multiple times, but I still do not have the cost basis. Currently I have a ticket open with Morgan Stanley ( # XXXX, opened on XXXX XXXX, XXXX ) but no one has followed up or resolved my issue. I ca n't sell these shares without proper cost basis as it will have tax implications. Please help resolve this issue!
Consumer complaint received 2016-06-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMB FINANCIAL CORPORATION (MO)

We scheduled a time to open an IRA account for my wife in XXXX. A XXXX cancelled the appointment and rescheduled if for XXXX XXXX, a week later, on XXXX XXXX after XXXX, XXXX, left a message, they do not provide the services on Sat. When asked, why such a late notice, he states, he called before XXXX, time stamp shows XXXX then states, we did not keep the last appointment. He should have just apologized ; there was no excuse for us to wait a week to be told that. We are closing all our accounts this week.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Hello, I have called the collections account on my credit report and I do not remember opening let alone using this account with XXXX. They insisted the account was mine without any written proof, other than this rude guy, looking at his computer screen and insisting me that the account is mine. I was checking my credit report before I ship out with the XXXX to defend our nation, so, this came to a real surprise to me. Please assist me in having this account removed from my credit report.